Terms of Service

Last Updated: January 2026

Welcome to A Fixed Income. By accessing or using our website and services, you agree to be bound by these Terms of Service. Please read them carefully before using our website.

1. Acceptance of Terms

By accessing and using A Fixed Income, you accept and agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any part of these terms, you must not use our website or services.

2. Age Requirement

You must be at least 18 years of age to use this website and purchase our products or services. By using our website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms of Service.

3. Use of Our Website

You agree to use our website only for lawful purposes and in a way that does not:

• Infringe on the rights of others
• Restrict or inhibit anyone else's use of the website
• Violate any applicable local, state, national, or international laws
• Attempt to gain unauthorized access to our systems or networks
• Transmit any malicious code, viruses, or harmful content
• Collect or harvest user information without consent
• Use automated systems to access the website without permission

4. User Responsibilities

As a user of our website, you are responsible for:

• Maintaining the confidentiality of any account information
• All activities that occur under your account or email subscription
• Ensuring that any information you provide is accurate and complete
• Complying with all applicable laws and regulations
• Making your own independent decisions regarding any information or advice found on this website

5. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and software, is the property of A Fixed Income or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, duplicate, copy, or redistribute our content without express written permission
• Use our trademarks, logos, or branding without authorization
• Create derivative works based on our content
• Remove any copyright or proprietary notices from our materials

6. Digital Products

When you purchase our digital guides or products:

• You receive a personal, non-transferable, non-exclusive license to use the product for your own personal use
• You may not redistribute, resell, share, or make the product available to others
• You may not modify, adapt, or create derivative works from the product
• The license granted is revocable if you violate these terms

7. Refund Policy

Due to the digital nature of our products, all sales are generally final. However, we want you to be satisfied with your purchase. If you are not satisfied with a digital product, please contact us within 30 days of purchase at darrin@noticememedia.com to discuss your concerns. Refund requests will be evaluated on a case-by-case basis.

8. Affiliate Disclosure

9. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE
• WARRANTIES OF NON-INFRINGEMENT
• WARRANTIES THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT

Any reliance on the content of this website is at your own risk. We do not guarantee any specific results from the use of our information, products, or services.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, A FIXED INCOME, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or data
• Personal injury or property damage
• Any damages resulting from your use or inability to use the website
• Any damages resulting from reliance on information provided on the website
• Any damages from unauthorized access to your information

Our total liability for any claim arising from these terms or your use of the website shall not exceed the amount you paid to us, if any, in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless A Fixed Income, its owners, officers, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your use of the website or services
• Your violation of these Terms of Service
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations

12. External Links

Our website may contain links to third-party websites, products, or services. These links are provided for your convenience and do not constitute an endorsement. We are not responsible for the content, accuracy, privacy practices, or availability of these external sites. Accessing third-party websites is at your own risk.

13. Termination

We reserve the right to terminate or suspend your access to our website and services, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms of Service
• Conduct that we believe is harmful to other users or our business
• Any fraudulent, abusive, or illegal activity

Upon termination, your right to use the website will immediately cease. Provisions of these terms that by their nature should survive termination shall survive.

14. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. We will update the "Last Updated" date at the top of this page when changes are made. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

15. Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity shall not affect the validity of the remaining provisions, which shall continue in full force and effect.

16. Entire Agreement

These Terms of Service, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and A Fixed Income regarding your use of the website and supersede any prior agreements or communications.

17. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States and applicable state laws, without regard to conflict of law principles. Any disputes arising from these terms or your use of the website shall be resolved in the appropriate courts.

18. Contact Information

If you have questions about these Terms of Service, please contact us at:

Email: darrin@noticememedia.com