Magnifi Communities LLC Supplement to Terms and Conditions

By clicking accept or opting to use the Website or Services of the Company (as defined below), you agree to abide by and be bound by each of (i) these Magnifi Communities Supplemental Terms set forth below, (ii) the Company Group Terms and Conditions (located at https://tifin.com/terms-conditions/) and (iii) the Company Group Privacy Policy (located at https://tifin.com/privacy-policy/).

General Risk Disclaimer

Magnifi Communities LLC (the “Company”) is a publisher of financial news, opinions and research and is not a securities broker-dealer or an investment adviser.

1. The information provided by the newsletters, opinions, and research related to various markets (collectively referred to as the “Services”) is not customized or personalized to any particular risk profile or tolerance. Trading and investing is not for everyone. The information published by the Company is not a customized or personalized recommendation or solicitation to buy, sell, hold, or invest in particular financial products, and the Services are not intended to provide money management advice or services. The Services are intended to supplement your own research and analysis.
2. Past performance is not necessarily indicative of future results. Trading and investing involve substantial risk. Trading on margin carries a high level of risk, and may not be suitable for all investors. The Company does not make any guarantee or other promise as to any results that may be obtained from using the Services.  No person subscribing for the Services (“Subscriber”) should make any investment decision without first consulting his or her own personal financial adviser, broker or consultant. The Company disclaims any and all liability in the event anything contained in the Services proves to be inaccurate, incomplete or unreliable, or results in any investment or other loss by a Subscriber.
3. You should trade or invest only “risk capital” – money you can afford to lose. Trading and investing involves high risk and you can lose the entire principal amount invested or more.
4. All investments and trading strategies carry risk and all trading decisions made by a person remain the responsibility of that person. There is no guarantee that systems, indicators, or trading signals will result in profits or that they will not produce losses. Subscribers should fully understand all risks associated with any kind of trading or investing before engaging in such activities.
5. Some profit examples are based on hypothetical or simulated trading. This means the trades are not actual trades and instead are hypothetical trades based on real market prices at the time the recommendation is disseminated. No actual money is invested, and no trades are executed. Hypothetical or simulated performance is not necessarily indicative of future results. Hypothetical performance results have many inherent limitations, some of which are described below. The hypothetical results do not include the costs of subscriptions, commissions, or other fees that may be charged. Because the trades underlying these examples have not actually been executed, the results may understate or overstate the impact of certain market factors, such as lack of liquidity. Simulated trading services in general are also designed with the benefit of hindsight, which may not be relevant to actual trading. In addition, hypothetical trading does not involve financial risk, and no hypothetical trading record can completely account for the impact of financial risk of actual trading. The Company makes no representations or warranties that any person will or is likely to achieve profits similar to those shown.
6. No representation is being made that you will achieve profits or the same results as any person providing a testimonial. No representation is being made that any person providing a testimonial is likely to continue to experience profitable trading after the date on which the testimonial was provided, and in fact the person providing the testimonial may have experienced losses.  Any profit amount mentioned in a testimonial may be unrealized gains.
7. The results and experiences described in the Services are not typical. Most people do not make a profit trading or investing; however, they still receive a financial education from the Services.  You cannot necessarily expect to achieve the results described in the Services and your results will vary depending on risk tolerance, amount of risk capital utilized, size of trading position and other factors. Any modification or change to a trading strategy can completely alter the results of a trade or investment. Oftentimes, persons ignore rules or risk parameters, and any such actions are taken entirely at the Subscriber’s own election and at the Subscriber’s own risk.
8. Auto-trading, or any broker or adviser-directed type of trading, is not supported or endorsed by the Company. For additional information regarding auto-trading, you may visit the SEC’s website: All About Auto-Trading, https://www.sec.gov/reportspubs/investor-publications/ investorpubsautotradinghtm.html. The Company does not recommend or refer subscribers to broker-dealers.  You should perform your own due diligence with respect to satisfactory broker-dealers and whether to open a brokerage account. You should always consult with your own professional advisers regarding equities, options on equities, and any other type of trading.

Lifetime Subscription Terms and Conditions: If you purchase a lifetime subscription to a component of the Service (a “Lifetime Subscription”), you are entitled to access such components covered by your online order for such Lifetime Subscription (collectively, an “Order”) for as long as such components of the Service are offered and supported by us. The Lifetime Subscription applies only to such components of the Service defined in the applicable Order and does not extend to any future services that may be developed or other components of the Service. Lifetime Subscriptions are intended for private, non-commercial use only. You may not assign, transfer or resell in any way Lifetime Subscriptions to any other person or entity. We reserve the right to revise the terms or make changes to the Lifetime Subscription, which will be communicated in these Terms of Service.  Once you have purchased a Lifetime Subscription, your membership will last until the earlier of 99 years or for as long as we continue to offer the components of the Service for which you have purchased a Lifetime Subscription, unless you earlier choose to cancel your Service account in accordance with these Terms of Service or we discontinue business operations related to the Services.  We make no warranties as to the expected duration of access to the Lifetime Subscription. In receiving a Lifetime Subscription, you acknowledge and agree that the components of the Services for which you purchase a Lifetime Subscription could change or terminate in the future.

RENEWAL POLICY AND REFUND POLICY FOR PAID SUBSCRIPTION SERVICES

This Section does not apply to one-time purchases of special research reports or any other products that are not subscription services. All sales for the aforementioned products are final without refund.

This section describes the subscription renewal policy and refund policy (collectively, the “Policy”) of the Company for paid subscription services you purchase from the Company. In the event that such content originates from a third party and is resold by the Company, the Company’s policy shall at all times and in all places supersede any other renewal policy and refund policy of any third party whether stated or not.

U.S. Government Required Disclaimer – Commodity Futures Trading Commission

Futures and Options trading has large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the futures and options markets. Don’t trade with money you can’t afford to lose. This is neither a solicitation nor an offer to Buy/Sell futures or options. No representation is being made that any account will or is likely to achieve profits or losses similar to those discussed on this web site. The past performance of any trading system or methodology is not necessarily indicative of future results.

CFTC RULE 4.41 – HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL AREb ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN.

All trades, patterns, charts, systems, etc., discussed in this advertisement and the product materials are for illustrative purposes only and not to be construed as specific advisory recommendations. All ideas and material presented are entirely those of the author and do not necessarily reflect those of the publisher or the Company.

Modifications to Service

The Company reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that the Company will not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

General Practices Regarding Use and Storage: You acknowledge that the Company may establish general practices and limits concerning use of the Service, including the maximum period of time that data or other content will be retained by the Service. You agree that the Company has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Service. You acknowledge that the Company reserves the right to terminate accounts that are inactive for an extended period of time. You further acknowledge that the Company reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

Fees

To the extent the Service or any portion thereof is made available for any fee, you may be required to select a payment plan and provide information regarding your credit card or other payment instrument. You represent and warrant to the Company that such information is true and that you are authorized to use the payment instrument. You will promptly update your account information with the Company or the Payment Processor (as defined below), as applicable, of any changes (for example, a change in your billing address or credit card expiration date) that may occur. You agree to pay the Company the amount that is specified in the payment plan in accordance with the terms of such plan and these Terms of Service.  If your payment plan includes an ongoing subscription that is automatically renewed periodically, you hereby authorize the Company (through the Payment Processor) to bill your payment instrument in advance on such periodic basis in accordance with the terms of the applicable payment plan until you terminate your account, and you further agree to pay any charges so incurred. If you dispute any charges you must let the Company know within sixty (60) days after the date that the Company charges you. We reserve the right to change prices. If the Company does change prices, the Company will provide notice of the change through the Service user interface, a pop-up notice, email, or through other reasonable means, at the Company’s option. Your continued use of the Service after the price change becomes effective constitutes your agreement to pay the changed amount. You will be responsible for all taxes associated with the Service, other than taxes based on the Company’s net income.

Payment Processing

MAGNIFI COMMUNITIES LLC DOES NOT PROCESS PAYMENT FOR ANY SERVICES. To facilitate payment for the Service via bank account, credit card, or debit card, we use a third-party payment processor (the, “Payment Processor”). These payment processing services are provided by the Payment Processor and are subject to the Payment Processor’s terms and conditions, privacy policy, and all other relevant agreements (collectively, the “Payment Processor Agreements”). By agreeing to these Terms of Service, users that use the payment functions of the Service also agree to be bound by the Payment Processor Agreements, as the same may be modified by the Payment Processor from time to time. You hereby authorize the Payment Processor to store and continue billing your specified payment method even after such payment method has expired, to avoid interruptions in payment for your use of the Service. Please contact the Payment Processor for more information. The Company assumes no liability or responsibility for any payments you make through the Service.

Performance Guarantees

In some cases, we may offer you a limited guarantee around the performance of a particular Site (a “Performance Guarantee”).   Our Performance Guarantee varies for each publication, service, and product.  Specific Performance Guarantee terms are outlined on the original form you filled out when you became a subscriber.  You expressly acknowledge that the Performance Guarantee applies only to your personal access and use of the applicable Site, and does not apply to your access and use of any of the other Sites.  In the event that a Performance Guarantee is not met, you may be eligible to receive a refund of all, or a portion, of the amounts paid by you to access and use the Site for which the Performance Guarantee applies (the “Eligible Refund”).  Your Eligible Refund will never exceed amounts paid by you to access and use the Site for which the Performance Guarantee applies, and your actual refund will ultimately be determined by the applicable Site Supplement.  In no event will amounts paid by you for access to any of the other Sites be considered within the scope of your Eligible Refund.

You must contact us within 30 days of the events giving rise to a prospective Eligible Refund in order to be eligible for refunds under this section.

RENEWAL POLICY AND REFUND POLICY FOR PAID SUBSCRIPTION SERVICES

This Section does not apply to one-time purchases of special research reports or any other products that are not subscription services. All sales for the aforementioned products are final without refund.

This section describes the subscription renewal policy and refund policy (collectively, the “Policy”) of the Company for paid subscription services you purchase from the Company. In the event that such content originates from a third party and is resold by the Company, the Company’s policy shall at all times and in all places supersede any other renewal policy and refund policy of any third party whether stated or not.

Renewal Policy for Automatically Renewing Subscriptions

This section describes the subscription renewal policy and refund policy of the Company for paid subscription services you purchase from us. In the event that such content originates from a third-party and is resold by the Company, our policy shall at all times and in all places supersede any other renewal policy and refund policy of any third-party whether stated or not.

This section does not apply to one-time purchases of special research reports or any other products that are not subscription services.  All sales for the aforementioned reports and products are final without refund.

Cancellation Policy

Company subscriptions may be set to auto-renew by default.  You will receive an email at least seven (7) days before the automatic renewal occurs.  If we do not hear from you at least two (2) business days before it is due to renew, your credit card will be charged.

If you do not wish to have your subscription renew or if you would like to cancel a trial subscription, you must request cancellation at least two (2) business days before the subscription is set to renew or trial period expires.

Billing Terms & Refund Policy

Our refund policy varies for each publication, service, and product.  Specific billing and offer terms are outlined on the original form you filled out when you became a subscriber.  Many of our subscriptions are non-refundable and others carry a cancellation fee, so please make sure you are aware of your specific policy. A chart may be viewed below detailing each product’s refund policy:

Products billed quarterly: full refund during the first 60 days  of the first billed quarter

Products billed monthly: no refund

All of the Company’s subscription products come with a refund policy in effect from the moment you purchase your subscription.

If you receive a full or partial refund for a particular publication/service, no future refunds will be issued for that publication/service at any point should you remain a subscriber or wish to resubscribe.  Subsequent subscriptions to the same product or publication are non-refundable.

We reserve the right to terminate your paid or unpaid subscriptions and access to our web sites at any time without notice.  If we terminate a paid subscription of a fixed term and provided you have not breached our Terms of Service, we will refund the unused portion of your subscription fee.

Any refund due will be returned to the original debit or credit card used for the purchase.  It may take up to 10 business days after the refund is issued for it to show up on your credit card statement.  On occasion, your issuing credit card bank, in their sole discretion, may delay the processing of refunds.

All refunds initiated by the Company, whether full or partial, shall be paid in U.S. dollars. If you reside outside the United States your card issuer may convert your refund to your local currency at whatever exchange rates it has in effect at such time. You are advised to consult your card issuer prior to initiating a refund.

Your subscription will be considered cancelled and access to your subscription and the web site will be discontinued once your subscription amount has been refunded by the Company, regardless of the actual date you receive any proceeds from the refund.

—Updated March 11, 2025