Terms of Service

Last updated: July 2025

By accessing or using market-phase.com (the "Site"), you agree to be bound by these Terms of Service. Please read them carefully. If you do not agree, do not use the Site.

1. About MarketPhase

MarketPhase is a free financial education and data platform operated as an independent media site. We provide market timing signals, economic indicator dashboards, educational guides, and daily market summaries sourced from publicly available data.

2. Not Financial Advice

All content published on MarketPhase — including signals, indicators, guides, digest summaries, and any other materials — is provided for informational and educational purposes only. It does not constitute:

• Financial advice or investment advice of any kind
• A recommendation to buy, sell, or hold any security, fund, or asset
• A solicitation or offer to buy or sell any financial instrument
• Tax, legal, or accounting advice

Past market patterns do not guarantee future results. All investing involves risk, including the possible loss of principal. You are solely responsible for your own investment decisions.

3. Accuracy of Information

We make reasonable efforts to ensure the accuracy of data displayed on the Site. However, market data is sourced from third parties (including the Federal Reserve, FRED, OECD, and other public sources) and may be delayed, inaccurate, or unavailable at times. MarketPhase makes no warranties, express or implied, regarding the completeness, accuracy, or timeliness of any information on the Site.

4. Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Scrape, crawl, or systematically download data from the Site in a way that burdens our infrastructure
• Reproduce or republish our original editorial content without permission
• Use the Site in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the Site or its infrastructure

5. Intellectual Property

The MarketPhase name, logo, original editorial content, and site design are the property of MarketPhase. Third-party data displayed on the Site remains the property of its respective owners. You may share individual article links for non-commercial purposes with attribution.

6. Third-Party Links and Data

The Site may contain links to third-party websites or display data from third-party sources. These are provided for convenience only. MarketPhase does not endorse and is not responsible for the content, accuracy, or practices of any third-party site or data provider.

7. Advertising

MarketPhase displays advertisements served by Google AdSense and potentially other ad networks. We are not responsible for the content of third-party advertisements. Clicking an ad takes you to a third-party site governed by that site's own terms and policies.

8. Limitation of Liability

To the fullest extent permitted by law, MarketPhase and its operators shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on any information provided. This includes, without limitation, losses from investment decisions made based on information found on this Site.

9. Disclaimer of Warranties

The Site is provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

10. Changes to These Terms

We may update these Terms of Service from time to time. Continued use of the Site after changes are posted constitutes your acceptance of the revised terms. We will update the "Last updated" date at the top of this page.

11. Governing Law

These Terms are governed by the laws of the United States. Any disputes arising from use of this Site shall be resolved in accordance with applicable law.

12. Contact

If you have questions about these Terms of Service, please contact us via our Contact page.