THIS PARAGRAPH CONTAINS AN IMPORTANT NOTICE: PLEASE READ IT CAREFULLY. YOU AGREE THAT DISPUTES BETWEEN YOU AND PRIVATE INVESTOR COALITION (AS DEFINED BELOW) WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION UNLESS YOU OPT-OUT IN ACCORDANCE WITH THE PROCESS DESCRIBED IN SECTION 11 (DISPUTE RESOLUTION) BELOW. UNLESS YOU OPT-OUT OF ARBITRATION, YOU CANNOT FILE A LAWSUIT IN COURT. IF YOU WISH TO OPT-OUT OF ARBITRATION, FOLLOW THE OPT-OUT PROCEDURE SPECIFIED IN THE SECTION 11 (DISPUTE RESOLUTION). YOU ALSO WAIVE CERTAIN OTHER RIGHTS, INCLUDING THE RIGHT TO A JURY TRIAL AND TO BRING A PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING.
Last Updated April 22, 2025
Terms - Please read these Terms before using this Site.
Your access to, and use of, this Site is subject, in all respects, to these terms and conditions (as revised from time to time, the “Terms”) described herein and all applicable laws and regulations. BY CLICKING “I AGREE” OR SIMILAR LANGUAGE OR BY REGISTERING FOR, ACCESSING AND USING THIS SITE, YOU (“YOU” OR “THE USER”) ACCEPT THESE TERMS WITHOUT LIMITATION OR QUALIFICATION. IF YOU DO NOT AGREE TO, AND ACCEPT, THESE TERMS WITHOUT LIMITATION OR QUALIFICATION, PLEASE EXIT THIS SITE. The Private Investor Coalition may revise these Terms, at its sole option and in its sole discretion, at any time without notice. You should revisit this Site periodically to make sure you are aware of the most recent Terms because they will be binding on you. You can review the most current version of these Terms at any time at https://privateinvestorcoalition.com/terms-and-conditions/. Your use of the Site after such changes constitutes your agreement to such changes. The Private Investor Coalition may (i) terminate, change, suspend or discontinue any aspect of this Site, including the availability of any features of this Site, at any time; (ii) impose limits on certain features and services; or (iii) restrict your access to parts or all of this Site without notice or liability.
1. Ownership of Materials
SITE: This Site and all of its Materials are owned and copyrighted by the Private Investor Coalition, with all rights reserved, unless otherwise noted. Any Materials that include a trademark, logo, or service mark are the property of the Private Investor Coalition or its licensors. Your use of any Materials in violation of those rights is strictly prohibited.
MARKS: The Private Investor Coalition name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Private Investor Coalition or its affiliates or licensors. You must not use those marks without the prior written permission of the Private Investor Coalition. Any other names, logos, product and service names, designs, and slogans of the Site are the trademarks of their respective owners. Under no circumstances will you acquire any ownership rights or other interest in any such marks or content through your use of the Site. All rights not expressly granted in these Terms are reserved exclusively by the Private Investor Coalition Except as provided in these Terms, you are not granted a license or any right, title, or interest in any intellectual property right in the Site or the Materials.
FEEDBACK: With respect to all communications you make to Private Investor Coalition, including but not limited to feedback, questions, comments, suggestions and the like (collectively, “Feedback”): (i) you shall have no right to the confidentiality of such Feedback and Private Investor Coalition shall have no obligation to protect Feedback from disclosure; (ii) Private Investor Coalition shall be free to reproduce, use, disclose and distribute your Feedback to others without limitation; and (iii) Private Investor Coalition shall be free to use any ideas, concepts, know-how, information, data, content or techniques contained in your Feedback for any purpose whatsoever, including, but not limited to, the development, production and marketing of products and services that incorporate such information.
2. Restrictions
You may use the Materials for your internal business purposes; provided You agree not (i) download, use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell or otherwise exploit the Materials or any portion thereof for use in any publications, in public performances, or on Site for any other commercial or business purpose, (ii) use the Materials for the purpose of training, developing, or improving any machine learning or artificial intelligence models, including but not limited to large language models, (iii) use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, scrape, “data mine,” copy, access, acquire information, generate impressions or clicks, input or store information, search, monitor any portion of the Site, or in any way reproduce or circumvent the navigational structure or presentation of the Site or the Materials; (iv) use the Materials or any portion thereof in any manner that is likely to cause confusion among consumers, that causes harm, disparages or discredits the Private Investor Coalition, that dilutes the strength of the Private Investor Coalition’s intellectual property rights, or that otherwise infringes the Private Investor Coalition’s intellectual property rights; (v) upload, distribute, or otherwise publish through or in connection with the Site, any content that is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable, or that may violate the rights of any party; (vi) post, e-mail or otherwise transmit any harassing or defamatory messages, or any messages that would reflect poorly on Private Investor Coalition (in Private Investor Coalition’s sole discretion), malicious code, files or programs designed to interrupt, damage, destroy or limit the functionality of the Site or any computer software or hardware or telecommunications equipment or surreptitiously intercept or expropriate any system, data or personal information; (vii) modify, adapt, translate, reverse engineer, decipher, decompile or otherwise disassemble any portion of the Site; (viii) use any portion of the Site for any illegal purpose or in violation of any local, state, national, or international laws (ix) violate or encourage others to violate any right of or obligation to a third party, including by infringing, misappropriating, or violating intellectual property rights, confidentiality, or privacy rights; (x) use the Site in any manner that could disable, overburden, damage, or impair the Site, or interfere with any other individual’s or entity’s use and enjoyment of the Site; or (xi) cause or attempt to cause any third party to engage in the conduct restricted under this Section 4.
Without modifying the foregoing restrictions, you agree that you are solely responsible for your use or reuse of Materials made available through the Site. As between you and the Private Investor Coalition, all Materials are solely owned or licensed (i.e., used with permission of the owner) by the Private Investor Coalition. Materials on the Site may include stock images or other content that Private Investor Coalition licenses from third parties, including Materials that Private Investor Coalition obtains from applicants and grantees. Notwithstanding the foregoing, if Private Investor Coalition provides attribution of any Materials to a third party, you must contact that third-party directly for its permission to use the Materials. All such use is subject to any agreement you make with such third party and there is no license of any kind granted from or through Private Investor Coalition for such use.
3. Access
From time to time, we may restrict access to the Site, including any Materials, without notice for any reason. You acknowledge that the Private Investor Coalition may in its sole discretion modify, remove, or cease providing the Site to you at any time in our sole discretion and without notice to you.
You may not impersonate another individual or entity, or misrepresent your affiliation with another individual or entity when using the Site. You may not use or attempt to use another’s account or personal information. You may not attempt to gain unauthorized access to the Site, or the computer systems or networks connected to the Site, through hacking, password mining or any other means.
You are solely responsible for maintaining the confidentiality and security of your login credentials, including usernames, passwords, and any authentication tokens. You agree to accept full responsibility for all activities that occur under your account, whether or not you authorized them. You must take all necessary steps to keep your credentials secure and must not share them with any unauthorized party.
You also agree to comply with any third-party terms and conditions that govern access to the system or services, including but not limited to those imposed by Microsoft or other identity providers. This includes adhering to requirements and any terms and conditions for multi-factor authentication (MFA), password complexity, token-based access, or any other authentication mechanisms specified by such third parties.
4. Links to Third Party Sites
This Site contains links to sites owned or operated by parties other than the Private Investor Coalition (“Third Party Sites”). If you visit any of these Third Party Sites, including clicking any links to documents hosted on Third Party Sites, you will leave this Site. If you decide to visit any Third Party Sites, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements and comply with the terms and conditions applicable to such Third Party Sites. In addition, certain Materials and other content available on this Site is provided by third parties (“Third Party Content”). Third Party Content is provided for your convenience and for informational purposes only. The Private Investor Coalition does not control and is not responsible or liable for, and does not assume any responsibility or liability for such Third Party Content, nor has the Private Investor Coalition reviewed or verified any such Third Party Sites or Third Party Content. Any reference to a commercial or noncommercial product, process, service or company is not an endorsement or recommendation by the Private Investor Coalition, nor a guarantee of the reliability of the information or product. Without limiting the foregoing, the Private Investor Coalition specifically disclaims any responsibility if Third Party Sites (i) infringe any third party’s intellectual property rights, (ii) are inaccurate, incomplete or misleading, (iii) do not provide adequate security or privacy, (iv) contain viruses or other items of a destructive nature or (v) are libelous or defamatory. Links to Third Party Sites or use of Third Party Content do not imply that the Private Investor Coalition or this Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of the Private Investor Coalition or any of its affiliates or subsidiaries.
If the Site contains links to Third Party Sites, these links are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by the Private Investor Coalition of any of the products, services or opinions of the corporation or organization or individual. The Private Investor Coalition bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links. The Private Investor Coalition accepts no responsibility for Third Party Sites or for any loss or damage that may arise from your use of any Third Party Site or Third Party Content.
Nothing in this Site is intended to override the entity separateness of the entities that may be referred to in this Site. The Private Investor Coalition has numerous affiliates. For convenience and simplicity in this Site, terms such as “partnership,” “company,” “corporation,” “our,” “we,” “it,” “joint venture,” “co-venturer” and “partner” are sometimes used in this Site for convenience and simplicity or as abbreviated references to specific affiliates or affiliate groups and may not indicate precise legal relationships.
5. Disclaimer of Warranties; Liability
THE SITE AND MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. THE PRIVATE INVESTOR COALITION DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE SITE OR MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THIS SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. THE PRIVATE INVESTOR COALITION RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THIS SITE. THE PRIVATE INVESTOR COALITION MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.
The Site and the Materials are only intended to be general summary information for public use. You acknowledge that the Private Investor Coalition does not make, and specifically disclaims, any representations or warranties about the Site and the Materials to which you may have access as part of, or through your use of, the Site. THIS SITE, THE INFORMATION AND MATERIALS ON THE SITE, AND THE MATERIALS MADE AVAILABLE ON THE SITE, ARE PROVIDED “AS IS” WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
IN NO EVENT WILL THE PRIVATE INVESTOR COALITION OR ITS AFFILIATES, EMPLOYEES, OFFICERS, DIRECTORS, OTHER AGENTS, LICENSORS OR PROVIDERS BE LIABLE TO YOU ON ANY LEGAL THEORY FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, CONSEQUENTIAL, EXEMPLARY, OR OTHER SPECIAL CATEGORIES OF DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF REVENUE OR INCOME, LOST PROFITS, COST OF SUBSTITUTE GOODS OR SERVICES, OR SIMILAR DAMAGES SUFFERED OR INCURRED BY YOU OR ANY THIRD PARTY THAT ARISE IN CONNECTION WITH THE SITE OR MATERIALS (OR THE TERMINATION OF YOUR ACCESS THEREOF), WHETHER BASED ON CONTRACT, WARRANTY, PRODUCT LIABILITY, TORT (INCLUDING NEGLIGENCE) OR OTHER LEGAL THEORY AND EVEN IF THE PRIVATE INVESTOR COALITION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR RECOVERY OF ANY DIRECT DAMAGES IS LIMITED TO THE LESSER OF WHAT YOU PAID FOR ACCESS TO THE SITE OR USD $100.00.
Certain jurisdictions do not permit the exclusion of certain warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply to you. IN THESE JURISDICTIONS, THE FOREGOING EXCLUSIONS AND LIMITATIONS WILL BE ENFORCED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.
6. Indemnification
To the extent not prohibited by law, you agree to indemnify and hold harmless the Private Investor Coalition and its affiliates, employees, officers, directors, other agents, licensors and providers from and against any and all claims, damages, expenses, costs, including reasonable attorneys’ fees, and other losses resulting directly or indirectly from or arising out of (i) your violation of these Terms, (ii) your use of the Site, or (iii) your violation of any other individual’s or entities’ rights or applicable law.
7. Forward Looking Information
Users of this Site are cautioned that certain statements by or regarding the Private Investor Coalition, its subsidiaries and/or its affiliates available on or accessible through this Site, as well as some statements in such affiliates’ press releases, webcasts, and other documents or Materials or content available on or accessible through this Site constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Act”). Forward-looking statements include, without limitation, any statement that may project, indicate or imply future results, events, performance or achievements, and may contain the words “expect,” “intend,” “plan,” “anticipate,” “estimate,” “believe,” “will be,” “will continue,” “will likely result,” and similar expressions. In addition, any statement concerning future financial performance (including future revenues, earnings or growth rates), ongoing business strategies or prospects, and possible actions by the Private Investor Coalition, its subsidiaries and/or its affiliates are also forward-looking statements as defined by the Act.
Forward-looking statements are based on current expectations and projections about future events and are inherently subject to a variety of risks and uncertainties, many of which are beyond the control of the Private Investor Coalition, its subsidiaries and/or its affiliates, that could cause actual results to differ materially from those anticipated or projected. Forward-looking statements speak only as of the date they are made and the Private Investor Coalition expressly disclaims any obligation or undertaking to update these statements to reflect any change in expectations or beliefs or any change in events, conditions or circumstances on which any forward-looking statement is based.
8. Termination
BY THE PRIVATE INVESTOR COALITION: Private Investor Coalition may modify, suspend, or terminate the operation of, or access to, all or any portion of the Site at any time for any reason. Additionally, your individual access to, and use of, the Site may be terminated by Private Investor Coalition at any time and for any reason.
BY YOU: If you wish to terminate these Terms, you may immediately stop accessing or using the Site at any time.
AUTOMATIC UPON BREACH: Your right to access and use the Site terminates automatically upon your breach of any of these Terms.
SURVIVAL: Sections 3 (Feedback), 4 (Restrictions), 6 (Links to Third Party Sites), 7 (Disclaimer of Warranties; Liability), 8 (Indemnification), 9 (Forward Looking Information) 10 (Termination), 11(Dispute Resolution), and 12 (Miscellaneous), and this any other provision that is necessary to survive to preserve Private Investor Coalitions rights granted under these Terms will survive any termination.
9. Dispute Resolution
AGREEMENT TO ARBITRATE: You agree that any dispute, claim or controversy arising out of or relating to these Terms, the Site or the Materials (“Dispute”) will be settled by binding arbitration, except that each party retains the right: (i) to bring an individual action in small claims court and (ii) to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents or other intellectual property or confidentiality rights. You will also have the right to litigate any other Dispute if you provide us with written notice to opt out of arbitration (“Arbitration Opt-Out Notice”) by e-mail at [PIC@privateinvestorcoalition.com] or by regular mail to [The Private Investor Coalition, 2020 Pennsylvania Avenue NW, Box 301, Washington, DC 20006] within 30 days following the date you first accept these Terms, if you have not registered for an account, then within 30 days following the date you first use our Site. If you do not provide us with an Arbitration Opt-Out Notice within the 30-day period, you will be deemed to have knowingly and intentionally waived your right to litigate any Dispute, except as expressly set forth in (i) and (ii) above. The exclusive jurisdiction and venue if you timely provide us with an Arbitration Opt-Out Notice, will be the state and federal courts located in [New York, USA], and each of the parties to these Terms waives any objection to jurisdiction and venue in those courts. Unless you timely provide us with an Arbitration Opt-Out Notice, you acknowledge and agree that you are waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding. Further, unless you otherwise agree with us in writing, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of any class or representative proceeding.If a decision is issued stating that applicable law precludes enforcement of any limitations set forth in this Agreement to Arbitrate on the right to arbitrate claims on a class or representative basis, or as part of a consolidated proceeding, as to a given claim for relief, then that claim (and only that claim) must be severed from the arbitration and brought in the state or federal courts located in the state of [New York]. All other claims will be arbitrated. This Section 11 will survive any termination of these Terms.
ARBITRATION RULES: The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the Commercial Arbitration Procedures and the Supplementary Procedures for Consumer Related Disputes (the “AAA Rules”) then in effect, except as modified by this Section 11. (The AAA Rules are available at https://adr.org/rules or by calling the AAA at 1-800-778-7879.) The Federal Arbitration Act will govern the interpretation and enforcement of this Section.
ARBITRATION PROCESS: A party who desires to begin arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. AAA provides a general form for a Demand for Arbitration. The arbitrator will either be a retired judge or an attorney licensed to practice law and will be selected by the parties from the AAA’s roster of arbitrators. If the parties are unable to agree upon an arbitrator within seven days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules.
ARBITRATION LOCATION AND PROCEDURE: Unless you agree with us otherwise, the arbitration will be conducted in the county where you reside. If you claim does not exceed $10,000, then the arbitration will be conducted solely on the basis of the documents that are submitted to the arbitrator, unless you request a hearing or the arbitrator determines that a hearing is necessary. If your claim exceeds $10,000, your right to a hearing will be determined by the AAA Rules. Subject to the AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration.
ARBITRATOR’S DECISION: The arbitrator will render an award within the time frame specified in the AAA Rules. The arbitrator’s decision will be confidential and include the essential findings on which the arbitrator based the award. Judgment on the arbitration award may be entered in any court with competent jurisdiction. The arbitrator’s award of damages must be consistent with the terms of Section 7(Disclaimer of Warranties; Liability) above as to the types and amounts of damages for which a party may be held liable. The arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide relief warranted by the claimant’s individual claim.
FEES: Your responsibility to pay any AAA filing, administrative and arbitrator fees will be solely as set forth in the AAA Rules.
10. Miscellaneous
CHOICE OF LAW: These Terms (and all Disputes) are governed by and construed by the laws of the State of New York in the United States, not including its choice of law rules.
ELECTRONIC NOTICE AND ELECTRONIC SIGNATURE: You agree and consent to receive electronically all communications, agreements, documents, receipts, notices and disclosures (collectively, “Communications”). The Private Investor Coalition may provide these Communications to you by posting them via the Site, by e-mailing them to you at the e-mail address you provide, or by sending an SMS or text message to a mobile phone number that you provide. You should maintain copies of all Communications. You may contact us through email at [PIC@privateinvestorcoalition.com] if you have any questions regarding any Communication. You further consent and agree that your use your finger, a key pad, mouse or other device to select an item, button, icon or similar act while using the Site, or in accessing or making any transactions regarding any agreement, acknowledgment, consent, terms, disclosures or conditions, constitutes your signature, acceptance, and agreement as if actually signed by you in writing. Further, you agree that no certification authority or other third party verification is necessary to establish the validity of your electronic signature, and that the lack of such certification or third party verification will not affect the enforceability of your signature or any resulting contract between you and us.
NO WAIVER: Either party’s failure to insist on or enforce strict performance of any of these Terms will not be construed as a waiver of any provision or right.
SEVERABILITY: If any part of these Terms is held to be invalid or unenforceable by any law or regulation or final determination of the arbitrator, that provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions. If any provision of these Terms are so held invalid or unenforceable by a court of competent jurisdiction, in whole or in part, such provision shall be interpreted so as to remain enforceable to the maximum extent permissible consistent with applicable law and the parties intent.
RELATIONSHIP OF PARTIES: The parties agree that no joint venture, partnership, employment, or agency relationship exists between you and the Private Investor Coalition as a result of these Terms or from your use of any portion of the Site. You may not enter into any contract on our behalf or bind us in any way.
ASSIGNMENT: The Private Investor Coalition may assign these Terms, in whole or in part, at any time with or without notice to you. You may not assign these Terms or assign, transfer, or sublicense your rights, if any, to access or use the Site or Materials, and any attempt by you to do so is void.
INTEGRATION: These Terms constitute the entire agreement between you and the Private Investor Coalition relating to this subject matter and supersede any and all prior communications and/or agreements between you and the Private Investor Coalition relating to access and use of the Site.