Economics, Inc. Terms of Use 

August 21, 2026

 

Welcome to Economics, Inc. Site and Content.  These Terms of Use (“Terms”) govern your access to and use of our websites, web services, and mobile applications, including but not limited to www.Economics.Solutions and any other products, services, or features (collectively, the “Site”) owned and operated by Brett P. Phillips and Companies, LTD. CO. DBA,  Economics, Inc.

Your Acceptance of These Terms of Use

These Terms apply to all users of the Site, whether or not you have a paid product or service. By accessing or using the Site, you agree to comply with and be bound by these Terms, our Privacy Policy, and any supplemental terms referenced or linked to herein. If you do not agree, you may not access or use the Site.

Company does not provide investment, securities, tax, accounting, legal, insurance, or other professional advice unless expressly stated in a separate written agreement. Nothing in the Site is advice to buy, sell, hold, or transact in any particular security, investment, or financial product at specific time or price.

Please read these Terms carefully. They address payment obligations, refunds, intellectual property, disclaimers, limitations of liability, communications, dispute resolution, arbitration, and Oklahoma law.

Our Privacy Policy

Before using the Site, please click here to review our Privacy Policy. All personal information provided to us as a result of your use of the Site will be handled in accordance with our Privacy Policy. To the extent there are inconsistencies between these Terms and our Privacy Policy, the Privacy Policy controls.

Who Should Use The Site

The Site and the information contained therein is intended for a United States audience ages 18 and up. 

By visiting the Website and viewing our web-based services you, the Visitor of the Website, agree to the terms of this Agreement.  This agreement contains the entire Agreement between the Visitor and Company, regarding the use of the Website.  The Visitor hereby warrants and represents that he or she is in all respects qualified and competent to enter into this agreement.

When you use our Website you agree to all of these terms.  Your use of our Website is also subject to our  Privacy Policy.

Ownership of the Site and its Content

The Site, including all its content (“Content”), is protected under applicable intellectual property and other laws, including without limitation the laws of the United States and other countries. All Content and intellectual property rights therein are the property of Company or Company’ affiliates and partners and are protected pursuant to applicable copyright and trademark laws. The presence of any Content on the Site does not constitute a waiver of any right in such Content. You do not acquire ownership rights to any such Content viewed through the Site. Except as otherwise provided herein, none of this Content may be used, copied, reproduced, distributed, republished, downloaded, modified, displayed, posted, or transmitted in any form or by any means, including but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without our express prior written permission, which may be withheld in our sole discretion. Permission is hereby granted only to the extent necessary to lawfully access and use the Site and to display, download, or print portions of the Site, but only on a temporary basis and for your personal, educational, and noncommercial use, provided that (i) you do not modify the Content; (ii) you retain any and all copyright and other proprietary notices contained in the Content; and (iii) you do not copy or post the Content on any network computer or broadcast the Content in any media. All rights in and to the Site and Content not expressly granted are hereby reserved by Company.

Trademarks

The Company names and logos (including, without limitation, those of its affiliates), all product and service names, all graphics, all button icons, and all trademarks, service marks and logos appearing within the Site, unless otherwise noted, are trademarks (whether registered or not), service marks, and/or trade dress of Company and/or its affiliates (the “Company Marks”). All other trademarks, product names, company names, logos, service marks and/or trade dress mentioned, displayed, cited, or otherwise indicated within the Site are the property of their respective owners. You are not authorized to display or use the Company Marks in any manner without our prior written permission, which may be withheld in our sole discretion. You are not authorized to display or use trademarks, product names, company names, logos, service marks, and/or trade dress of other owners featured within the Site without the prior written permission of such owners. The use or misuse of the Company Marks or other trademarks, product names, company names, logos, service marks, and/or trade dress or any other materials contained herein, except as permitted herein, is expressly prohibited.

Your Feedback

The feedback you provide to us through or about the Site or any of our other products and services (“Feedback”) will be and remain our exclusive property. Your submission of Feedback will constitute an assignment to us of all worldwide rights, title, and interests in your Feedback, including all copyrights and other intellectual property rights in your Feedback. We will be entitled to reduce to practice, exploit, make, use, copy, disclose, display, or perform publicly, distribute, improve, and modify any Feedback you submit for any purpose whatsoever, without restriction and without compensating you in any way. For this reason, we ask that you not send us any Feedback that you do not wish to assign to us.

Your Obligations

In consideration of your use of the Site, you agree that to the extent you provide personal information to Company, it will be true, accurate, current, and complete and that you will update all personal information as necessary. You also agree that you will use an image that you are authorized to use for your profile picture, if any. The use of company logos, advertisements, web addresses, contact information, pictures of celebrities, or the unauthorized use of images owned by others is prohibited. To the extent you create an account through the Site, you understand and agree that any account you create, including your username and password, are personal to you and may not be used by anyone else. You are responsible for maintaining the confidentiality of your username and password and are fully responsible for all activities that occur under your username and password, whether by you or by anyone else using your username and password and whether or not authorized by you. You agree to change your password immediately if you believe your password may have been compromised or used without authorization.

Account Misuse and Consequences

You are solely responsible for all activity that occurs on your account. You agree to use your account and the Site in accordance with any and all applicable laws, rules, and regulations. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We reserve the right to suspend or terminate your account or disable your access to our Site at our sole discretion, without notice or liability, for any conduct that we believe violates these Terms of Use or is otherwise harmful to other users of the services, us, or third parties. This includes misuse by you, members of your household, or any third party using your account, with or without your authorization. Misuse includes, but is not limited to, sharing your login credentials to allow non-subscribers to access paid content or uploading or transmitting through the Site any computer viruses, trojan horses, worms, or anything else designed to interfere with, interrupt, or disrupt the normal operating procedures of a computer or the safeguards we have implemented around Artificial Intelligence features of the Site or on the Site in general. Any unauthorized modification, tampering, or change of any information, any interference with the availability of or access to the Site, or any unauthorized scraping of the Content on the Site is strictly prohibited.

Acceptable Use 

You agree that you will:

  1. Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, and regulatory requirements;
  2. Provide accurate information to us and keep it updated; and
  3. Use your real name

You agree that you will not:

  1. Create a false identity, misrepresent your identity, create a profile for anyone other than yourself (a real person), or use or attempt to use another’s account;
  2. Develop, support or use software, devices, scripts, robots or any other means or processes (including crawlers, browser plugins and add-ons or any other technology) to scrape the content on the Website or otherwise copy data from the Website;
  3. Override any security feature or bypass or circumvent any access controls or use limits of the Website (such as caps on keyword searches or profile views);
  4. Copy, use, disclose or distribute any of Company’s property obtained from the Website, whether directly or through third parties (such as search engines), without the consent of Company;
  5. Violate the intellectual property or other rights of Company, including, without limitation, (i) copying or distributing our learning videos or other materials or (ii) copying or distributing our technology, unless it is released under open source licenses; (iii) using our Company name our logos in any business name, email, or URL except as specified in writing from Company;
  6. Transmit anything that contains software viruses, worms, or any other harmful code;
  7. Reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for the Website or any related technology that is not open source;
  8. Imply or state that you are affiliated with or endorsed by Company without our express written consent;
  9. Rent, lease, loan, trade, sell/re-sell or otherwise monetize the Website or related data or access to the same, without Company’s consent;
  10. Deep-link to our Website for any unauthorized purpose;
  11. Use bots or other automated methods to access the Website;
  12. Monitor the Website’s availability, performance or functionality for any competitive purpose;
  13. Engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of the Website;
  14. Overlay or otherwise modify the Website and/or it’s content or their appearance (such as by inserting elements into the Website or removing, covering, or obscuring an advertisement included on the Website);
  15. To gather information about others (such as email addresses, personal information); 
  16. Mining of data or interference to any host or network;
  17. To perpetrate any type of fraud; 
  18. Interfere with the operation of, or place an unreasonable load on, the Website (e.g., spam, denial of service attack, viruses, gaming algorithms); and/or
  19. Violate any additional terms of Company’s terms with their Agreements and Policies 

Intellectual Property.  You understand and acknowledge that the Confidential Information and Intellectual Property has been developed or obtained by Company by the investment of significant time, effort and expense, and that the Confidential Information and Intellectual Property is a valuable, special and unique asset of Company which provides Company with a significant economic value, competitive advantage, and needs to be protected from unauthorized use.   

You agree not to copy, derive, reproduce or distribute the Company’s Confidential Information and Intellectual Property in any way.

Company owns Literary Works, Visual Artwork, Motion Pictures, Audiovisual Works, Photographs, Performing Art, Digital Content (the “Authored Work”) on the Website.  Company retains title and ownership of the Authored Work and derivative works from the Authored Work will be assigned to Company.  You agree that the web-based services and content on the Site created and owned by the Company are the property of the Company, including all content related to copyrights, trademarks, trade secrets, patents, and other intellectual property (“Company IP”).  You agree that the Company owns all right, title and interest in and to the Company IP and that you will not use the Company IP for any unlawful or infringing purpose.  You agree not to copy, derive, reproduce or distribute the Company IP in any way.

You shall not acquire any intellectual property rights under this Agreement except the limited right to use as set forth above.  You acknowledges that, as between the Company and you, the Confidential Information and all related copyrights and other intellectual property rights, are (and at all times will be after the term of this agreement) the property of the Company, even if suggestions, comments, and/or ideas made by you are incorporated into the property of Company or related materials during the period of this Agreement.

Unauthorized Use.  At Company’s sole discretion, if Confidential Information and Company IP has been used (or has mentioned to be used) in an unauthorized manner in violation of this Agreement, the Company shall be entitled to an injunction to restrain you from using Company IP and Confidential Information in whole or in part.  The Company shall not be prohibited by this provision from pursuing other remedies, including a claim for losses and damages.   

The Company may terminate this agreement with you at its sole discretion for unauthorized use of Company’s Confidential Information and Intellectual Property.  

Your Email Address

Company does not sell or share your email address to third-parties, except to deliver any services you have requested.  Users agree to provide Company, with an up-to-date email address.   Unsubscribing from any email list may not necessarily unsubscribe you from other email lists within Company.  

Calculators, Analysis Tools, and Advice

The calculators, spreadsheets, and analysis tools found on the Site (“Tools”) are designed to be used for informational and educational purposes only and do not constitute investment or financial advice. 

Company recommends that you (a) seek the advice of professional advisors, including financial advisors, before making any type of financial decision, and (b) independently verify any calculation or output obtained from a Tool. 

Your use of Tools and Content found on the Site is at your own risk. 

The results from Tools and Content presented may not reflect the actual return of your own investments. 

Company is not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided. Furthermore, Company is not responsible for any human or mechanical errors or omissions.

Additionally, Company may offer opportunities to receive coaching or information directly or indirectly from Company’ personnel or independent contractors (“Coaching”). 

Coaching is informational in nature. 

Company is not engaged in the provision of legal, tax, medical, mental health, or any other advice.  

Company does not make, and hereby disclaims, any representations and warranties regarding the content of the Coaching, whether express or implied, including implied warranties of merchantability or fitness for a particular purpose.  

You use the advice and information provided in the Coaching at your own risk. 

Company hereby disclaims any liability to you for any loss, damage, or cost arising from or related to the Coaching, including, without limitation, the accuracy, appropriateness, quality, or completeness of the information provided in the Coaching, regardless of the cause. 

Company IS NOT LIABLE OR RESPONSIBLE TO YOU WITH RESPECT TO ANY LOST PROFITS, LOSS, OR DAMAGE, INCLUDING, WITHOUT LIMITATION, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES CAUSED, OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY, BY THE COACHING. 

Third-Party

The Site may (a) provide links to other websites operated by third parties or (b) allow you to interact with third party businesses. Company is not responsible for the availability of those websites and does not endorse any third party business except as expressly stated on the Site, and with respect to any businesses endorsed on the Site, Company expressly disclaims all responsibility and liability for any services, products, content, advertising, services, products, or other materials on or available from such third parties. Company IS NOT LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH THE USE OF OR RELIANCE ON ANY CONTENT, ADVERTISING, SERVICES, PRODUCTS, OR OTHER MATERIALS ON OR AVAILABLE FROM SUCH THIRD PARTIES OR THEIR WEBSITES. 

These Terms do not apply to your use of third-party websites; your use of such websites is subject to the terms and policies of the owner of such websites. 

Company has financial relationships with some of the companies, products, and services mentioned on the Site and may be compensated if users choose to follow the links pointing to those companies, products, or services. Company may from time to time recommend certain vendors and service providers, including but not limited to vendors and service providers through the Site. Company does not make, and hereby disclaims, any representations and warranties regarding the products or services. Your engagement of a Third Party is solely between you and that person or business and is governed by the terms of the agreement between you and them. 

Company IS NOT LIABLE OR RESPONSIBLE TO YOU WITH RESPECT TO ANY LOST PROFITS, LOSS, OR DAMAGE, INCLUDING, WITHOUT LIMITATION, INCIDENTAL, INDIRECT, OR CONSEQUENTIAL DAMAGES CAUSED, OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY, BY YOUR USE OF A PREFERRED PROVIDER.

User-Generated Content Disclaimer

Our Site may include blogs, forums, comment sections, and other spaces where users and third parties can share information, opinions, or other materials (“User-Generated Content”). This content comes from individuals who are not affiliated with us. We do not create, control, verify, or endorse any User-Generated Content.

While we aim to maintain a respectful and safe environment, we make no promises about the accuracy, reliability, validity, or completeness of any User-Generated Content. The opinions expressed are those of the authors and do not necessarily reflect our own.

No Professional Advice

User-Generated Content may include information about legal, medical, financial, or other professional topics. Such information should not be considered professional advice. You should not rely on any User-Generated Content as a substitute for advice from a qualified professional in the relevant field. You are solely responsible for how you use or rely on User-Generated Content, and you do so entirely at your own risk.

Reliance and Reuse of Information

If you create, share, or distribute content (including tools, analyses, or advice) using your own information or information from other users or third parties within the Site, you are solely responsible for verifying the accuracy, completeness, and appropriateness of that information before use. We are not liable for any errors, omissions, or consequences resulting from the use of inaccurate, outdated, or incomplete information obtained through the Site.

To the fullest extent allowed by law, we are not liable for any loss, damage, or harm arising from your use of, or reliance on, such content.

We reserve the right, but are not obligated, to monitor, edit, or remove any User-Generated Content that we believe violates our Terms of Use or is otherwise harmful.

Fees and Payments

Users can elect to upgrade their accounts to levels that require payment.  By registering for a paid account level, or other subscription service, you agree to pay Company the fees for the services applicable to the account level you choose.  Company reserves the right to change the fees at any time, upon notice to you.  

All fees are paid in advance and are non-refundable. If you provide us with a payment method that expires during the term of these Terms, we reserve the right to charge any renewal card issued to you as a replacement. You agree to promptly pay Company in the event of any refusal of your payment method issuer to pay any amount to Company for any reason. You agree to pay all costs of collection, including attorneys’ fees and costs, on any outstanding balance. In the event you fail to pay any reasonable amount when due, Company may immediately suspend or terminate your use of or access to any or all of our services.

Automatic Renewal

Your paid account or subscription will renew automatically, unless you cancel your account or subscription (see Cancellation section below on how to cancel). To avoid the fees for the renewal term being billed to your payment method, you must cancel your account or subscription before the day it renews (the day of the month you are to be charged).

Trial Period Pricing

We may elect to offer free or discounted pricing for use of paid account levels or other subscription services (a “Trial”). If you do not cancel your subscription prior to the expiration of the Trial, then your payment method will be billed for the account or subscription fees stated in the advertising for the Trial. You agree to comply with any additional terms, restrictions, or limitations we impose in connection with any Trial. 

You may not sign-up for multiple accounts in order to receive additional benefits under any Trial.

Cancellation

You may cancel your account or subscription at any time by going to our website. Choose the “Sign In” link at the top right of the page. If you cancel before the last day of your current paid month, your cancellation will take effect immediately and you will not be charged again.   

Disclaimer

Company makes no representations or warranties with respect to the Site or its Content, or any Tool, Feedback, coaching service, information, product, or service available on or promoted through the Site, including products or services from third-parties. The Site, all Tools, any Feedback, and all Content are provided on an “as is,” “as available” basis, without representations or warranties of any kind. TO THE FULLEST EXTENT PERMITTED BY LAW, Company DISCLAIMS ANY AND ALL REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, ARISING BY STATUTE, CUSTOM, COURSE OF DEALING, COURSE OF PERFORMANCE, OR IN ANY OTHER WAY, WITH RESPECT TO THE SITE, ITS CONTENT, TOOLS, ANY COACHING, INFORMATION, AND ANY PRODUCTS OR SERVICES AVAILABLE OR PROMOTED THROUGH THE SITE. Without limiting the generality of the foregoing, Company, its affiliates, and their service providers and licensors disclaim all representations and warranties of the following: (a) title, non-infringement, merchantability and fitness for a particular purpose, (b) security of the Site, (c) that the Content of the Site, Feedback, or any Tools are accurate, complete, or current, or (d) that the Site will operate securely or without interruption or error. Your use of the Site is at your own risk.

We do not represent or warrant that the Site, its servers, or any transmissions sent from us or through the Site will be free of any harmful components (including viruses).

Limitation of Liability

To the fullest extent permitted by applicable laws, we, on behalf of our owners, directors, officers, employees, agents, suppliers, licensors, and service providers, exclude and disclaim liability for any losses and expenses of whatever nature and howsoever arising, including, without limitation, any direct, indirect, general, special, punitive, incidental, or consequential damages, loss of use, loss of data, loss caused by a virus, loss of income or profit, loss of or damage to property, claims of third parties, or other losses of any kind or character, even if we have been advised of the possibility of such damages or losses, arising out of or in connection with the use of the Site. You assume total responsibility for establishing such procedures as you consider necessary for data back up and virus checking. This limitation of liability applies whether the alleged liability is based on contract, tort (including negligence), strict liability, or any other basis. If any part of this limitation on liability is found to be invalid or unenforceable for any reason, then the aggregate liability of the released parties for liabilities that otherwise would have been limited shall not exceed the amount you paid Company in the two (2) months immediately preceding the event giving rise to the liability.   

Indemnification

You shall indemnify, defend, and hold harmless Company, its affiliates, and their respective owners, members, officers, employees, and agents (collectively, the “Indemnified Parties”) from and against any and all claims, demands, suits, proceedings, damages, liabilities, losses, costs, and expenses

(including reasonable attorneys’ fees) arising out of or related to (1) your use of the Site in violation of any applicable law, regulation, or ordinance, (2) any claim that your use infringes, misappropriates, or otherwise violates the rights of any third party, or (3) your breach of these Terms, including your

representations and warranties. We reserve the right to defend any such claim, and you agree to provide us with such reasonable cooperation and information as we may request. However, we may choose for you to assume full control of the defense of any claim subject to indemnification under this Section, including the employment of counsel reasonably acceptable to us, and payment of all expenses. You shall not settle any such claim without our prior written consent, which consent shall not be unreasonably withheld, conditioned, or delayed.

Geographic Restrictions

Our Sites and web-based services are intended for access and use within the United States only and comply with applicable United States privacy laws. Our Sites and web-based services are not intended for, or directed to, citizens, domiciles, or residents outside of the United States, including those of the European Union. By accessing our Sites and web-based services, you affirm that you are not a citizen, domicile, or resident of a country outside of the United States, including those of the European Union. If you access the Site from a country other than the United States, your use of the Site is unauthorized and at your own risk. 

Text Messaging Services & Communication

We may offer communications via calls, SMS text messages, or similar technology subject to our receiving from you any consents required by applicable law. These communications may be sent or initiated by Company or any of its service providers, such as when we send agents notifications for lead requests submitted to Company through the Site. Message and data rates may apply. Message frequency may vary according to how you interact with our platform. For assistance, text HELP or visit our website. To stop receiving text messages from Company, reply STOP. You agree we may send you a message to confirm our receipt of your STOP request. 

You acknowledge and agree that our platform may not recognize and respond to texted unsubscribe requests that do not include the STOP keyword and agree that Company will have no liability for failing to honor such requests. Not all mobile devices may be supported, and text messaging may not be available in all areas. Company and the mobile carriers supported on our platform are not liable for delayed or undelivered text messages, text messages delivered to the wrong number, or inaccurate or incomplete content in a text message. We are not liable for your use or reliance on the content of any text message. 

You agree that all information you provide through the Site (including but not limited to your telephone number(s) and other contact information) will be accurate, current, and truthful to the best of your knowledge. You consent to the Company’s use of such information in accordance with our Privacy Policy. If you have any questions about your text plan or data plan, you must contact your wireless provider.  

Modification, Discontinuation, and Termination

We reserve the right, at any time and from time-to-time and with or without notice, to modify, edit, delete, suspend, or discontinue, temporarily or permanently, the Site (or any portion thereof) and/or the information, materials, products, and/or services available through the Site (or any part thereof). 

You agree that we shall not be liable to you or to any third party for any such modification, editing, deletion, suspension, or discontinuance of the Site. You also agree that Company, in its sole discretion, may terminate your password, account (or any part thereof), or use of the Site for any reason, including, without limitation, for lack of use or if Company believes that you have violated or acted inconsistently with the letter or spirit of these Terms. You agree that any termination of your access to the Site for violation of any provision of these Terms may be effected without prior notice, and you acknowledge and agree that Company may immediately deactivate or delete your account and all related information in your account and/or bar any further use of or access to the Site. Further, you agree that Company shall not be liable to you or any third-party for any termination of your use of or access to the Site. If Company terminates your use of or access to the Site due to a violation of these Terms, Company will not issue any refunds to you but also will not charge your payment method again.

Waiver

Our failure at any time to require immediate performance of any provision of these Terms or to exercise any right provided for herein will not be deemed a waiver of such provision or such right. All waivers must be in writing. Unless the written waiver contains an express statement to the contrary, Company’s waiver of any breach of any provision of these Terms or of any right provided for herein will not be construed as a waiver of any continuing or succeeding breach of such provision, a waiver of the provision itself, or a waiver of any right under these Terms.

Severability

If any provision of these Terms is held by a court of competent jurisdiction to be contrary to law, such provision will be changed and interpreted so as to best accomplish the objectives of the original provision to the fullest extent allowed by law, and the remaining provisions of these Terms will remain in full force and effect.

Governing Law, Jurisdiction, and Venue

These Terms will be governed under the laws of the State of Oklahoma without regard to its conflicts of law provisions. In the event of any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or the relationship between the Parties, the Parties shall first attempt in good faith to resolve the dispute directly and informally.

The Party asserting the dispute shall provide written notice describing the dispute and the requested resolution.

The Parties shall have thirty (30) calendar days after receipt of the notice to attempt to resolve the dispute.

Voluntary Mediation. At any time before arbitration, the Parties may mutually agree to attempt mediation. Mediation is not required unless both Parties agree in writing.

Terms of Use May Change

These Terms are current as of the effective date set forth above. Company reserves the right to change these Terms from time to time and as it deems necessary, including to be consistent with applicable laws. These changes will be effective as of the date we post the revised version on the Site. Your continued use of the Site after we have posted the revised Terms constitutes your agreement to be bound by the revised Terms. If at any time you choose not to accept the revised Terms, you may not access or use the Site.

Entire Agreement

These Terms, together with our Privacy Policy and any supplemental terms referenced or linked to herein, contain the entire understanding and agreement between you and Company with respect to the Site and supersede all previous communications, negotiations, and agreements, whether oral, written, or electronic, between you and Company with respect to the Site and your use of and access to the Site.

Questions

If you have any questions about the Site or these Terms, please contact us using the following contact information:  support@economics.solutions