Terms of Service
Last Updated: February 16, 2026
Please read these Terms of Service ("Terms") carefully before using the joedowns.ai website ("Service") operated by Joseph Downs ("us", "we", or "our").
1. Acceptance of Terms
By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, then you may not access the Service.
2. Intellectual Property
The Service and its original content, features, and functionality are and will remain the exclusive property of Joseph Downs and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Joseph Downs.
3. Content Disclaimer
For Informational Purposes Only: The content provided on this website, including podcasts, articles, and newsletters, is for informational and educational purposes only. It does not constitute professional financial, real estate, legal, or investment advice.
No Fiduciary Relationship: Your use of this website does not create a client, fiduciary, or professional relationship between you and Joseph Downs. You should consult with a professional advisor before making any investment decisions.
4. User Accounts & Subscriptions
When you subscribe to our newsletter or create an account, you must provide us with information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.
5. Links To Other Web Sites
Our Service may contain links to third-party web sites or services that are not owned or controlled by Joseph Downs.
Joseph Downs has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. You further acknowledge and agree that Joseph Downs shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.
6. Limitation of Liability
In no event shall Joseph Downs, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage.
7. Governing Law
These Terms shall be governed and construed in accordance with the laws of the Commonwealth of Pennsylvania, United States, without regard to its conflict of law provisions.
8. Changes
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
9. Contact Us
If you have any questions about these Terms, please contact us at:
- Email: joe@joedowns.ai