The sections below titled “Binding Arbitration” and “Class Action Waiver” contain a binding arbitration agreement and class action waiver. They affect your legal rights. Please read them.
We provide Visitors and Registered Users with access to the Platform as described below.
Visitors, as the term implies, are people who do not register with us, but want to explore the Platform. No application is required for Visitors. Visitors can: (i) view all publicly-available content on the Platform; and (ii) e-mail us.
“Registered Customers” are individuals that have agreed to contribute personal data in various forms to Delphia Technologies Inc. (“Delphia”) via the Platform (the “App Services”).
“Registered Clients” are U.S. Resident individuals that have entered into a separate Discretionary Investment Advisory Agreement (“Investment Advisory Agreement”) with Delphia (USA) Inc. (the “Investment Adviser”) pursuant to which the Investment Adviser provides such individuals with investment management advice and services through the access to the Platform (the “Investment Services”, and together with the App Services, the “Services”).
“Users” are Registered Customers or Registered Clients who have subscribed for Investment Services on the Platform.
Registered Customers and Registered Clients can do all the things that Visitors can do, and: (i) complete surveys, as well as connect social media and other data sources to the Mobile App; (ii) create, access, manage, and update their own personal accounts on the Platform; and (iii) sign up for alerts and other notifications.
Delphia is not under any obligation to accept any individual as a Registered Customer and may accept or reject any registration in its sole and complete discretion. The Investment Adviser is under no obligation to accept any individual as a Registered Client and each may accept or reject any registration in its sole and complete discretion.
In addition, Delphia or the Investment Adviser may deactivate or suspend any account at any time, including, without limitation, if Delphia or the Investment Adviser determines that a Registered Customer or Registered Client, respectively, has violated this Agreement.
Each of Delphia and the Investment Adviser reserve the right, in its sole and absolute discretion, to deny you access to the Mobile App or Platform, or any portion of the either, without notice and without reason.
Subject to the terms in the Investment Advisory Agreement, you can cancel your subscription and terminate the Investment Advisory Agreement in respect of your investment account(s) (the “Investment Account”) managed by the Investment Adviser at any time. Please note that uninstalling the Mobile App or closing your Registered Customer account will not automatically stop your Subscription Fee or terminate the Investment Advisory Agreement that applies to your Investment Account(s)— you must actively cancel the subscription and terminate your Investment Advisory Agreement. Please contact us at email@example.com to cancel your subscription and terminate your Investment Account.
Subscription fees (the “Subscription Fees”) can be found on Delphia’s website (delphia.com) and in the mobile app. Special terms and conditions may apply. The Investment Adviser reserves the right to change the Subscription Fees from time to time.
The Subscription Fee will be charged in arrears and deducted from Investment Account monthly. The Investment Adviser will liquidate some of the investments in your Investment Account to pay for the Subscription Fee if your Investment Account does not have enough cash to pay it. Please refer to your Investment Advisory Agreement for more details on fees and charges.
Details on what services are covered by the Subscription Fee are available at Fees and Charges.
Except when required by law, paid subscription fees are non-refundable.
Our community, like any community, functions best when our Users follow a few simple rules. By accessing the Platform, you agree to comply with these community guidelines (the “Community Guidelines”) and that:
If you wish to register for the Platform you will be prompted to sign up for the waitlist, which may include a First Name, Last Name, and Email sign up. When creating your account, you must provide true, accurate, current, and complete information. You are solely responsible for the confidentiality and use of your Waitlist Names and Unique Identifiers, as well as for any use, misuse, or communications entered through the Platform using one or more of them. You will promptly inform us of any need to deactivate a Sign-In Name, or change any Unique Identifier. We reserve the right to delete or change your Sign-In Name, or Unique Identifier at any time and for any reason and shall have no liability to you for any loss or damage caused by such action.
As a user of the Mobile App, you can sign up for an account with Delphia using your email, establishing a username and password of your choice.
Within the Mobile App, you take surveys and connect apps such as social media to get unique, investor focused insights. For each piece of information you contribute, you also receive points which give you access to our reward program that we call “data dividends”.
There are four types of push notifications that you may receive from the app (and you can choose to opt-out of these under “Settings > Notifications”). They will be sent when:
Points can be converted into a “data dividend” and the allocation of this data dividend is proportional to the points that have been distributed that week. Delphia reserves the right to the discretionary allocation of these points.
This function only works with individuals who are permanent legal residents of the United States. Residents of other jurisdictions cannot redeem data dividends.
The Platform contains material, such as videos, photographs, software, text, graphics, images, sound recordings, and other material provided by or on behalf of Delphia (collectively referred to as the “Content”). The Content may be owned by us or by third parties. The Content is protected under both United States and foreign laws. Unauthorized use of the Content may violate copyright, trademark, and other laws. You have no rights in or to the Content, and you will not use the Content except as permitted under this Agreement. No other use is permitted without prior written consent from us. You must retain all copyright and other proprietary notices contained in the original Content on any copy you make of the Content. You may not sell, transfer, assign, license, sublicense, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose. The use or posting of the Content on any other website or in a networked computer environment for any purpose is expressly prohibited.
The trademarks, service marks, and logos of Delphia (the “Delphia Trademarks”) used and displayed on the Platform are registered and unregistered trademarks or service marks of Delphia . Other company, product, and service names located on the Platform may be trademarks or service marks owned by others (the “Third-Party Trademarks,” and, collectively with Delphia Trademarks, the “Trademarks”). Nothing on the Platform should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademarks, without our prior written permission specific for each such use. Use of the Trademarks as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by us in writing. All goodwill generated from the use of Delphia Trademarks inures to our benefit.
Elements of the Platform are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including, but not limited to, the use of framing or mirrors. None of the Content may be retransmitted without our express, written consent for each and every instance.
Visitors should note that no information set forth in areas of the Platform that Visitors have access to (the “Visitor User Areas”) should be construed as investment or financial advice. The Visitor User Areas are limited to the dissemination of general information pertaining to Delphia’s data collection and investment advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of information on the Visitor User Areas on the Internet should not be construed by any client and/or prospective client/investor as Delphia’s solicitation to effect, or attempt to effect, transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.
Delphia is neither a law firm nor an accounting firm, and no portion of the Platform should be interpreted as legal, accounting, or tax advice. To the extent that past performance is available through the Platform, past performance is not indicative of future results, and no representation is being made that any investment will or is likely to achieve profits or losses similar to those achieved in the past, or that significant losses will be avoided.
No material available through the Platform shall be used or considered as an offer to sell or a solicitation of any offer to buy the securities or services of any of our affiliated entities. Offers can only be made where lawful under, and in compliance with, applicable law.
Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Delphia ), will be profitable or equal any historical performance levels.
Investments discussed on the Platform, if any, may not be suitable for all investors. Investors should make their own investment decisions based upon their own financial objectives and financial resources, and should obtain independent investment and tax advice before deciding to invest.
Investments discussed on the Platform ultimately may generate positive returns, and other investments made in these asset classes or geographic regions, but not discussed on the Platform, may generate negative returns, or vice versa. It should not be assumed that investments made for any particular account will match the performance or character of the investments discussed on the Platform, or that the returns of any accounts managed by Delphia will equal the performance of the investments discussed on the Platform. Investors may experience materially different results.
Delphia obtains information from a wide variety of publicly-available sources. Delphia does not have, nor does it claim to have, sources of inside or private information. The recommendations developed by Delphia in connection with its services are based upon the professional judgment of Delphia, and Delphia cannot and does not guarantee the results of any recommendations.
The Platform contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential,” and other similar terms. Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and the success or lack of success of Delphia’s investment process or strategy. All are subject to various factors, including, but not limited to, general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory, and technological factors affecting Delphia’s operations that could cause actual results to differ materially from projected results.
Certain portions of the Platform may contain a discussion of, and/or provide access to, Delphia’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current positions and/or recommendations. Moreover, no Registered Client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Delphia or from any other investment professional.
Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a Registered Client as a guarantee that he/she will experience a certain level of results if Delphia is engaged, or continues to be engaged, to provide investment advisory services, nor should they be construed as current or past endorsements of Delphia by any of its Registered Clients. Rankings published by magazines and others generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Moreover, with regard to any performance information contained on the Platform, directly or indirectly, users should note that past results are not indicative of future results.
Although we encourage you to e-mail us, we do not want you to, and you should not, e-mail us any content that contains confidential information. With respect to all e-mails and communications you send to us, including, but not limited to, ratings, feedback, questions, comments, suggestions, and the like, we shall be free to use any ratings data, ideas, concepts, know-how, or techniques contained in your communications for any purpose whatsoever, including but not limited to, the development, production, and marketing of products and services that incorporate such information without compensation or attribution to you.
You acknowledge that Delphia does not represent or warrant that the content and any other data or information provided through the platform will be accurate or complete.
You also acknowledge that the platform may contain bugs, errors, and other problems that could cause system failures. Consequently, the platform and the content are provided “as is” and “as available” without any warranties of any kind, including that the platform or content will operate error-free or that the platform, its servers, or the content are free of computer viruses or similar contamination or destructive features.
We disclaim all warranties, including, but not limited to, warranties of title, merchantability, non-infringement of third parties’ rights, and fitness for particular purpose and any warranties arising from a course of dealing, course of performance, or usage of trade.
In connection with any warranty, contract, or common law tort claims: (i) we and our licensors shall not be liable for any incidental or consequential damages, lost profits, or damages resulting from lost data or business interruption resulting from the use or inability to access and use the platform or the content, even if we have been advised of the possibility of such damages; and (ii) any direct damages that you may suffer as a result of your use of the platform or the content shall be limited to the total fees that you have paid to us within the six (6) months immediately preceding the events giving rise to any claim.
Some jurisdictions do not allow the exclusion of certain warranties. Therefore, some of the above limitations on warranties in this section may not apply to you.
The Platform may contain links to third-party websites (“External Sites”). These links are provided solely as a convenience to you and not as an endorsement by us of the content on such External Sites. The content of such External Sites is developed and provided by others. You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links or any content located on such External Sites. We are not responsible for the content of any linked External Sites and do not make any representations regarding the content or accuracy of materials on such External Sites. You should take precautions when downloading files from all websites to protect your computer from viruses and other destructive programs. If you decide to access linked External Sites, you do so at your own risk.
You agree to defend, indemnify, and hold us and our officers, directors, employees, agents, successors, licensees, licensors, and assigns harmless from and against any damages, liabilities, losses, expenses, claims, actions, and/or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from: (i) your breach of this Agreement; (ii) your misuse of the Content or the Platform; and/or (iii) your violation of any third-party rights, including without limitation any copyright, trademark, property, publicity, or privacy right. We shall provide notice to you of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit, or proceeding. We reserve the right to assume the exclusive defense and control (at your expense) of any matter that is subject to indemnification under this section. In such case, you agree to cooperate with any reasonable requests assisting our defense of such matter.
We make no claims concerning whether the Content may be downloaded, viewed, or be appropriate for use outside of the United States. If you access the Platform or the Content from outside of the United States, you do so at your own risk. Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.
We reserve the right, in our sole discretion, to restrict, suspend, or terminate this Agreement and your access to all or any part of the Platform, at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Platform at any time without prior notice or liability. Sections 3.3 to 3.19 shall survive the termination of this Agreement.
This Agreement and any action related thereto will be governed by the laws of the State of New York without regard to its conflict of laws provisions.
In the event of a dispute arising under or relating to this Agreement, the Content, or the Platform (each, a “Dispute”), either party may elect to finally and exclusively resolve the dispute by binding arbitration governed by the Federal Arbitration Act (“FAA”). Any election to arbitrate, at any time, shall be final and binding on the other party. If either party chooses arbitration, neither party shall have the right to litigate such claim in court or to have a jury trial, except either party may bring its claim in its local small claims court, if permitted by that small claims court rules and if within such court’s jurisdiction. Arbitration is different from court, and discovery and appeal rights may also be limited in arbitration. All disputes will be resolved before a neutral arbitrator selected jointly by the parties, whose decision will be final, except for a limited right of appeal under the FAA. The arbitration shall be commenced and conducted by JAMS pursuant to its then current Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those rules, or, where appropriate, pursuant to JAMS’ Streamlined Arbitration Rules and Procedures. All applicable JAMS’ rules and procedures are available at the JAMS website www.jamsadr.com. Each party will be responsible for paying any JAMS filing, administrative, and arbitrator fees in accordance with JAMS rules. Judgment on the arbitrator’s award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The arbitration may be conducted in person, through the submission of documents, by phone, or online. If conducted in person, the arbitration shall take place in the United States county where you reside. The parties may litigate in court to compel arbitration, to stay a proceeding pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator. The parties shall cooperate in good faith in the voluntary and informal exchange of all non-privileged documents and other information (including electronically stored information) relevant to the Dispute immediately after commencement of the arbitration. As set forth in Section 3.18 below, nothing in this Agreement will prevent us from seeking injunctive relief in any court of competent jurisdiction as necessary to protect our proprietary interests.
You agree that any arbitration or proceeding shall be limited to the Dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any Dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. You agree that you may bring claims against us only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
You acknowledge and agree that in the event of a breach or threatened violation of our intellectual property rights and confidential and proprietary information by you, we will suffer irreparable harm and will therefore be entitled to injunctive relief to enforce this Agreement. We may, without waiving any other remedies under this Agreement, seek from any court having jurisdiction any interim, equitable, provisional, or injunctive relief that is necessary to protect our rights and property pending the outcome of the arbitration referenced above. You hereby irrevocably and unconditionally consent to the personal and subject matter jurisdiction of the federal and state courts in the State of New York, Borough of Manhattan for purposes of any such action by us.
Our failure to act on or enforce any provision of the Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement. No waiver shall be effective against us unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. Except as expressly agreed by us and you in writing, this Agreement constitutes the entire Agreement between you and us with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter. The section headings are provided merely for convenience and shall not be given any legal import. This Agreement will inure to the benefit of our successors, assigns, licensees, and sublicensees.
In order to connect your banking transaction activity to Delphia, you will need to link your bank account by providing Plaid Technologies Inc. (“Plaid”), our third-party vendor with a password and a debit card number, credit card number, username, or similar information (collectively, the “Credentials”).
If you are choosing to share your banking transaction activity with Delphia, when you make a purchase for goods and/or services at any stores (including physical and online sales channels) (each, a “Purchase”), Plaid will collect and we will receive from Plaid, information about your Purchases, including the date of the transaction, the dollar amount spent on the Purchase, the merchant’s name, the transaction location, the transaction categorization, pending status, and related information about the Purchase (the “Transaction Information”). Plaid, will have access to the Transaction Information only as necessary to perform their functions and to the extent permitted by law. Our contract with Plaid requires them to protect the confidentiality of the Credentials and Transaction Information they receive.
In order to connect your email accounts to Delphia, you will need to link your email account by providing Nylas, Inc. (“Nylas”), our third-party vendor with login information for your email account or permission to access your email account (collectively, the “Email Account Credentials”). As with all Delphia services offered on the Platform, you may not use this service if you are under 13 years of age.
If you are choosing to share your email activity with Delphia, Nylas and Delphia will be able to read your email messages (the “Email Messages”). Nylas will have access to the Email Messages only as necessary to perform their functions and to the extent permitted by law. Our contract with Nylas requires them to protect the confidentiality of the Email Account Credentials and Email Messages they receive.
You agree to (a) provide accurate, current and complete Email Account Credentials when prompted on the Platform; (b) maintain the security of your password and identification; (c) keep your Email Account Credentials accurate, current and complete; and (d) be fully responsible for all use of the email account you connect (the “Connected Email Account”) and for any actions that take place using your Connected Email Account. By connecting to the Platform with Nylas, a third-party email service provider, you give us permission to access and use your information from that service.
You may never use another User’s account under any circumstances. You must notify us immediately of any breach of security or unauthorized use of your account. Delphia will not be liable for any losses caused by any unauthorized use of your account. You may revoke Delphia’s access to your Connected Email Account at any time by contacting Delphia at firstname.lastname@example.org.
Delphia Technologies Inc. ("we," "Delphia" or "Company") may at times offer you the opportunity to refer friends via a referral program ("Program") offered on the Platform.
Delphia’s social media accounts are run by individual analysts or other Delphia team members. Social media posts are not necessarily the opinion of Delphia (USA) Inc. and its affiliates (collectively, “Delphia”) as a whole. As a quantitative investor, Delphia and its related persons (including Andrew Peek), use conversations via social media as part of its investment research process. As a result, Delphia and clients as well as its related persons such as Andrew Peek may (but do not necessarily) have financial interests in securities or issuers that we discuss. However, any discussion of securities or issuers by Delphia or Andrew Peek in such conversations is not a recommendation to buy, sell or hold any particular security.
Effective: March 29, 2021