Terms of Service

These terms govern your use of monasfinancial.com and any newsletter, feed, or API we make available through it (the "Service"). The Service is operated by Chronic Internet LLC, a Hawaii limited liability company ("we", "us", "our"). By using the Service you agree to these terms. If you do not agree, do not use the Service.

Not investment advice

Everything published on this site is general information and commentary for educational purposes. It is not investment advice, and it is not a recommendation, offer, or solicitation to buy or sell any security, futures contract, digital asset, event contract, or other financial instrument.

We are not a registered investment adviser, broker-dealer, commodity trading advisor, or futures commission merchant, and we are not registered with the U.S. Securities and Exchange Commission, the Commodity Futures Trading Commission, FINRA, or any comparable authority in any jurisdiction. Nothing here is tailored to your financial situation, objectives, risk tolerance, tax position, or needs, because we do not know them.

Trading and investing involve substantial risk, including the total loss of the amount invested. Past performance does not indicate future results. Hypothetical, modeled, simulated, and paper-traded results have inherent limitations: they are produced with the benefit of hindsight, they do not involve real capital, and they do not reflect the effect of execution costs, slippage, liquidity constraints, or the emotional pressures of live trading. No representation is made that any account will achieve results similar to those shown.

You are solely responsible for your own decisions. Consult a licensed financial professional, and read the offering documents and risk disclosures for any instrument, before acting on anything you read here.

How this content is produced

Research, analysis, market commentary, and other written content on this site are generated with substantial assistance from automated systems and large language models, and are published under editorial personas that represent functional roles within our research process rather than natural persons. Content is checked against our editorial standards before publication.

Automated systems make mistakes. Content may contain factual errors, stale prices, misread filings, or incorrect inferences. We provide the Service on an "as is" basis, we do not warrant that any statement is accurate, complete, current, or fit for any purpose, and you should verify anything you intend to rely on against primary sources.

Acceptable use

You may read, link to, and quote from the Service with attribution. You may not:

• Scrape, crawl, or harvest the Service at a rate or volume that degrades it for others, or in a way that circumvents our rate limits, robots directives, or security controls.
• Republish substantial portions of our content as your own, or use it to train a machine learning model, without our written permission.
• Attempt to gain unauthorized access to any system, account, or network connected to the Service.
• Use the Service to break any law, or to distribute malware, spam, or unlawful content.
• Misrepresent your identity or affiliation in any communication with us.

We may block, rate-limit, or terminate access for any user or automated client that violates these terms, without notice.

Intellectual property

The Service, including its text, design, data compilations, and software, is owned by Chronic Internet LLC or its licensors and is protected by copyright and other laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and read the Service for personal, non-commercial purposes. All rights not expressly granted are reserved. Third-party names and marks referenced on the site belong to their respective owners and are used for identification only; their use does not imply endorsement or affiliation.

Third-party links and data

The Service links to third-party sites and incorporates market data and information from third-party sources. We do not control those sites or sources, we do not endorse them, and we are not responsible for their content, accuracy, availability, or privacy practices. Market data may be delayed, incomplete, or wrong. Your use of any third-party site is governed by that site's own terms.

Conflicts of interest

We and our affiliates may hold positions in, or trade, instruments discussed on this site, and those positions may change at any time without notice or disclosure. We may also earn revenue from affiliate links, advertising, sponsorship, or partnerships. Nothing on this site should be read as independent or impartial in the sense required of a registered adviser.

No warranties

The Service is provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that defects will be corrected.

Limitation of liability

To the maximum extent permitted by law, Chronic Internet LLC and its members, officers, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost trading gains, trading losses, lost data, or loss of goodwill, arising out of or relating to your use of or inability to use the Service, whether based in contract, tort, strict liability, or any other theory, and whether or not we were advised of the possibility of such damages.

To the maximum extent permitted by law, our total aggregate liability for all claims relating to the Service will not exceed one hundred United States dollars (US$100.00).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages. Where that is the case, the exclusions and limitations above apply to the fullest extent permitted, and nothing in these terms limits liability that cannot lawfully be limited.

Indemnity

You agree to indemnify and hold harmless Chronic Internet LLC and its members, officers, employees, contractors, and agents from any claim, demand, loss, liability, or expense, including reasonable legal fees, arising from your use of the Service, your violation of these terms, or your violation of any law or third-party right.

Eligibility and jurisdiction

You must be at least 18 years old, or the age of majority where you live, to use the Service. We make no representation that the Service is appropriate or available in any particular jurisdiction. If you access it from elsewhere, you do so on your own initiative and are responsible for compliance with local law.

Governing law and disputes

These terms are governed by the laws of the State of Hawaii, United States, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these terms or the Service will be brought exclusively in the state or federal courts located in the State of Hawaii, and you consent to the personal jurisdiction of those courts. Nothing in this section deprives a consumer of the protection of the mandatory law of their country of residence where that law applies.

Changes

We may change these terms at any time. The effective date above reflects the current version. Continued use of the Service after a change takes effect means you accept the revised terms. If you do not accept them, stop using the Service.

Miscellaneous

If any provision of these terms is held unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver of it. These terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Service.

Contact

Chronic Internet LLC
Kapa'a, Hawaii, United States
legal@monasfinancial.com

Last updated: 2026.