Terms of Service
Effective date: July 28, 2026
These Terms of Service (the "Terms") govern your access to and use of brendanhart.com and The Power Curve, including all pages, publications, reports, newsletters, and related services (together, the "Service"). The Service is operated by Brendan Hart ("The Power Curve," "we," "us," or "our"). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. The Service
The Power Curve is an independent economic intelligence publication. The Service provides written analysis, research reports, charts, data visualizations, email newsletters, and related editorial content, along with informational pages describing advisory and speaking engagements. The Service is provided for general informational purposes only.
2. Not Investment, Legal, or Professional Advice
Nothing on the Service constitutes investment advice, financial advice, trading advice, legal advice, tax advice, or any other form of professional advice, and nothing on the Service should be treated as a recommendation to buy, sell, or hold any security, asset, or financial instrument. Content reflects the author's analysis and judgment as of the date of publication and may become outdated without notice. Markets, policy, and economic conditions change. You are solely responsible for your own decisions, and you should consult a qualified professional before acting on anything you read here. We are not a registered investment adviser, broker-dealer, or fiduciary to any reader.
3. Accounts
Certain features, including member-only content, may require an account. You agree to provide accurate information when creating an account, to keep your credentials secure, and to notify us promptly of any unauthorized use. You are responsible for activity that occurs under your account. Accounts are for individual use; sharing credentials or reselling access is not permitted.
4. Subscriptions, Billing, and Cancellation
Some content on the Service is free. Paid subscriptions, where offered, provide access to member-only content for a recurring fee. Payments are processed by Stripe, our third-party payment processor; we do not store your full payment card details. Subscriptions renew automatically at the end of each billing period until cancelled. You may cancel at any time through your account or by contacting us, and cancellation takes effect at the end of the current billing period. Except where required by law, fees already paid are non-refundable, though we may issue refunds at our discretion. We may change subscription pricing with reasonable advance notice; price changes apply from your next billing period.
5. Intellectual Property and Permitted Use
All content on the Service, including text, reports, charts, exhibits, graphics, and design, is owned by Brendan Hart or licensed to us, and is protected by copyright and other intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable license to access and read the content for your own non-commercial use. You may quote brief excerpts with clear attribution and a link to the original. You may not republish, redistribute, sell, or commercially exploit the content; systematically scrape, harvest, or archive it; use it to train machine learning or artificial intelligence models; or remove any attribution or proprietary notices, in each case without our prior written permission.
6. Acceptable Use
You agree not to use the Service in any way that violates applicable law, infringes the rights of others, interferes with the operation or security of the Service, circumvents access controls or paywalls, or imposes an unreasonable load on our infrastructure through automated means.
7. Third-Party Services
The Service relies on third-party providers, including hosting, analytics, email delivery, and payment processing, and may link to third-party websites. We do not control and are not responsible for third-party services or their content. Your use of third-party services is governed by their own terms and privacy policies.
8. Disclaimers
The Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement. We work to keep the analysis rigorous and the data accurate, but we do not warrant that the Service will be uninterrupted, error-free, or free of inaccuracies.
9. Limitation of Liability
To the fullest extent permitted by law, Brendan Hart and The Power Curve will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or investment losses, arising out of or related to your use of the Service, even if advised of the possibility of such damages. To the fullest extent permitted by law, our total aggregate liability for any claim arising out of or relating to the Service will not exceed the greater of the amount you paid us in the twelve months preceding the claim or one hundred U.S. dollars.
10. Indemnification
You agree to indemnify and hold harmless Brendan Hart and The Power Curve from any claims, damages, liabilities, and expenses, including reasonable attorneys' fees, arising out of your violation of these Terms or your misuse of the Service.
11. Termination
We may suspend or terminate your access to the Service at any time for violation of these Terms or for any other reason with reasonable notice. Upon termination, your license to use the content ends. Sections of these Terms that by their nature should survive termination, including intellectual property, disclaimers, limitation of liability, and indemnification, will survive.
12. Changes to These Terms
We may revise these Terms from time to time. When we do, we will update the effective date above and, for material changes, provide notice on the Service or by email. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
13. Governing Law and Disputes
These Terms are governed by the laws of the District of Columbia, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Service will be resolved in the state or federal courts located in the District of Columbia, and you consent to their jurisdiction. Nothing in this section limits any rights you may have under mandatory consumer protection law in your place of residence.
14. Contact
Questions about these Terms may be directed to contact@brendanhart.com.