Terms of Service

Effective Date: August 12, 2026

Welcome to fortisanalytics.com (the "Site"). The Site is operated by Fortis Analytics LLC ("Fortis Analytics," "we," "us," or "our"). These Terms of Service (the "Terms") are a binding contract between you and Fortis Analytics that governs your access to and use of the Site. Please read them carefully.

Accepting and Changing These Terms

You accept these Terms by accessing or using the Site in any way. That use also confirms your consent to how we handle your information, as described in our Privacy Policy. If any part of these Terms is unacceptable to you, your only option is to stop using the Site.

We may update these Terms whenever we see fit. Any updated version takes effect once we post it here and update the "Effective Date" shown above, and your continued use of the Site afterward means you accept the revised Terms. We are not obligated to notify you of changes individually, so please check this page periodically.

Some features, products, or services offered through the Site may come with their own supplemental terms (each, a set of "Additional Terms"), which you must also follow. If Additional Terms conflict with these Terms for a given feature, product, or service, the Additional Terms control for that item unless they say otherwise. Any pricing or deal terms shown to you when you make or start a purchase through the Site count as Additional Terms.

Who May Use the Site

The Site exists to serve licensed financial professionals and their agents (each, a "Financial Advisor"), not consumers or the investing public, and everything on it is provided purely for informational and educational purposes. By using the Site, you certify that you are a Financial Advisor — a registered representative, registered investment adviser, registered insurance agent, or an agent of someone authorized under applicable law to sell or offer securities or to give financial advice.

You may not use the Site if you are under 18, if you otherwise lack the legal capacity to enter a binding contract with us, or if applicable law or regulation prohibits you from receiving what the Site offers. In using the Site, you agree to obey every law, statute, ordinance, regulation, directive, and agreement — local, state, federal, national, foreign, supranational, or international — that applies to you.

No Investment Advice; No Fiduciary Duty

Nothing on the Site is investment advice. Fortis Analytics does not recommend that anyone buy, hold, trade, or sell any investment in any jurisdiction, and no material or output generated through the Site is individualized to the circumstances of any particular investor or client. In providing the Site, Fortis Analytics is not acting as an investment adviser within the meaning of the Investment Advisers Act of 1940 or as a broker-dealer within the meaning of the Securities Exchange Act of 1934.

Fortis Analytics is not a fiduciary to any Financial Advisor or to any client of a Financial Advisor, and using the Site — including relying on anything it produces — creates no such relationship. Each Financial Advisor alone bears responsibility for judging whether any strategy, allocation, or holding is suitable, appropriate, and consistent with the risk profile of its own clients' portfolios, and Fortis Analytics takes on none of the duties a Financial Advisor owes to those clients. To put it plainly, with respect to a Financial Advisor's clients, Fortis Analytics does not contract with them, does not trade for them, does not control the advice they receive, owes them no fiduciary duty, and collects no fee or compensation from them.

Our Content and Your License to Use It

The Site and its contents — including its design, layout, and "look and feel," together with the databases, articles, posts, text, data, files, images, scripts, graphics, illustrations, photographs, audio, video, advertising copy, URLs, software, interactive features, trademarks, logos, trade names, trade dress, service marks, and every other form of intellectual property it contains (collectively, the "Content") — belong to Fortis Analytics, our licensors, or other third parties. All of it is protected to the greatest extent allowed by U.S. and international copyright, trademark, trade dress, patent, unfair competition, and related laws. Every right we do not expressly grant you here is reserved to us, our licensors, and those third parties; nothing in these Terms should be read to grant any right or license by implication, estoppel, industry custom, or otherwise.

So long as you fully comply with these Terms and any Additional Terms, we grant you a personal, limited, revocable, non-exclusive, non-transferable, and non-assignable license to view, download, display, and use the Site. This license transfers no ownership of, and no intellectual property interest in, the Site or the Content, and we may suspend or revoke it at any time, for any reason, in our sole discretion, without notice or liability. Using the Site or Content outside the bounds of this license may infringe copyright, trademark, privacy, publicity, communications, or other laws and can expose you to civil and even criminal liability.

Acceptable Use

When you use the Site or Content, you agree that you will not:

• do anything unlawful, harmful, offensive, obscene, violent, threatening, harassing, abusive, or otherwise objectionable to us;
• scrape, harvest, or otherwise collect information from the Site or Content;
• reverse engineer, decompile, or modify the Site or Content;
• disrupt or interfere with the Site's proper operation or its security features;
• infringe any third party's intellectual property or other rights;
• use the Site or Content in a way that falsely suggests an association with Fortis Analytics or anyone else, or that exceeds the license granted above; or
• otherwise breach these Terms or any Additional Terms.

You further agree to cooperate with our reasonable requests and to tell us promptly if you learn of any actual or suspected unauthorized use or abuse of the Site or Content, or if you breach these Terms or any Additional Terms.

Accounts, Access, and Fees

Your use of the Site must conform to any procedures, forms, formats, displays, and operating hours we establish or change at our discretion. Everything required for you to reach and use the Site — hardware, software, connectivity, and any related fees, costs, expenses, and taxes — is your responsibility.

Certain Content is available only to account holders. If you create an account, you are solely responsible for keeping your credentials secure and confidential, for the accuracy and upkeep of your registration information, and for all activity that occurs under your account. Notify us right away at david@fortisportfolio.com if you suspect any unauthorized use of your account or any other security breach; even so, you remain responsible for unauthorized activity that continues after that point. You may not sell, transfer, or assign your account or any rights to it.

Some Content may also require a membership or other fee. Where it does, you agree to pay every charge at the prices presented to you or your agent, you authorize us to bill your chosen payment provider, and you confirm that you are permitted to use whatever payment method you supply.

Availability, Suspension, and Termination

We may change, discontinue, interrupt, suspend, or terminate all or part of the Site — including any Content, feature, availability window, or equipment requirement — at any time, for any user or every user, at our sole discretion, and without prior notice or liability. Access may also be disrupted by circumstances inside or outside our control, including routine maintenance. If your access ends, or if we notify you, every right granted to you under these Terms and any Additional Terms terminates at once and you must immediately stop using the Site.

Electronic Communications

We may contact you electronically about the Site, including by email, and we may keep records of those communications. You agree that any notice, disclosure, agreement, or other communication we send electronically satisfies any legal requirement that it be in writing, and that each time you transact, agree, or consent through the Site electronically you are providing an electronic signature that binds you as if signed on paper.

You can opt out of our marketing emails using the instructions in those messages, which will not affect any later subscriptions. We may still send you non-marketing messages about your account or the Site — such as administrative and service notices — and opting out of marketing does not stop those.

Publication Dates

Material on the Site speaks as of the date it states or, if it states none, as of the date it was first posted. Neither we nor anyone else has any obligation to update it.

Disputes and Arbitration

Should a dispute arise between you and Fortis Analytics, we both agree — to the extent the law allows — to resolve any claim or controversy, whether at law or in equity, that arises out of, relates to, or connects in any way with the Site through binding arbitration, or by another method we agree to in writing. We encourage you to email us first at david@fortisportfolio.com so we can try to resolve the matter directly, and we will give reasonable consideration to alternatives to litigation such as mediation or arbitration. The provisions of this section that call for arbitration are intended as a "written agreement to arbitrate" that satisfies the writing requirement of the Federal Arbitration Act, and they may be amended only by mutual agreement.

Binding arbitration. Any controversy, allegation, or claim connected in any way to your use of the Site (a "Dispute") will be submitted to confidential arbitration in Illinois — except that, where you have infringed or threatened to infringe our intellectual property rights, we may instead seek injunctive or other appropriate relief in any state or federal court. You consent to the personal jurisdiction and venue of the state and federal courts of Illinois and waive any objection based on lack of personal jurisdiction or forum non conveniens. Arbitration will follow the Commercial Arbitration Rules of the American Arbitration Association then in effect; the arbitrator decides questions of arbitrability; and the arbitrator's award is final, binding, and enforceable as a judgment in any court of competent jurisdiction. Illinois's internal laws govern any Dispute without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs the arbitration provisions themselves. If any claim proceeds in court rather than arbitration, you and Fortis Analytics each waive the right to a jury trial.

What arbitration does not cover. Claims either of us brings in small claims court, and claims we bring to protect our own or our licensors' intellectual property, are not subject to these arbitration provisions.

Deadline to bring claims. Regardless of any law to the contrary, any claim or cause of action arising out of or relating to the Site must be brought within one year after it arises, or it is permanently barred.

No class actions. Disputes will be arbitrated only individually and will not be joined or consolidated with any other person's claim or proceeding. You may bring claims against Fortis Analytics only in your individual capacity, never as a plaintiff or member in any class or representative action.

Disclaimer of Warranties

The Site, the Content, and all related links and communications are provided "as is," and you use them entirely at your own risk, to the fullest extent the law permits. Fortis Analytics makes no warranties, representations, or conditions of any kind, express or implied, about the Site — including its Content, hardware, software, and links — and expressly disclaims all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, as well as any implied assurances about results, accuracy, completeness, accessibility, compatibility, security, or freedom from viruses. Where the law does not allow some or all of these disclaimers, they apply to you to the fullest extent it does allow.

Limitation of Liability

Your sole and exclusive remedy for any dissatisfaction with, or dispute about, the Site — including your use of it or any communication you receive — is to stop using it. To the fullest extent permitted by law, neither Fortis Analytics nor our vendors will be liable for any direct, indirect, special, incidental, consequential, or exemplary damages arising from or relating in any way to your use of the Site or receipt of any communication, including damages for lost profits, lost data, lost goodwill, work stoppage, or computer failure, and including any other commercial loss — even if we were advised such damages were possible, and regardless of the legal or equitable theory on which the claim rests. Because some jurisdictions do not permit the exclusion or limitation of consequential or incidental damages, in those jurisdictions our and our vendors' liability is limited to the greatest extent the law allows. We do not endorse, warrant, or guarantee any product or service offered through the Site or any linked site, and we are not a party to and take no responsibility for monitoring any transaction between you and a third-party provider. If any limitation in this section is held unenforceable in a given jurisdiction, our maximum liability there will not exceed the amount you paid us for the product or service underlying the claim.

No Injunctive Relief

You agree that you will not seek or obtain any injunction or other equitable relief — including any court action or order — that would interfere with or prevent the development or exploitation of any website, application, Content, submission, product, service, or intellectual property that Fortis Analytics owns, licenses, uses, or controls.

Indemnification

You agree to defend, indemnify, and hold Fortis Analytics harmless from every claim, liability, damage, loss, cost, and expense — including reasonable attorneys' fees — that arises out of or relates to: your breach or alleged breach of these Terms or any Additional Terms; your use of the Site; your violation of any law, rule, regulation, code, statute, ordinance, or governmental order; your infringement of any third party's rights, including intellectual property, publicity, confidentiality, property, or privacy rights; or any misrepresentation you make. We may, at your expense, take over the exclusive defense and control of any matter you would otherwise be required to indemnify, and you agree to cooperate with our defense and not to settle any claim without our prior written consent.

Third-Party Content, Links, and Business Transfers

For your convenience, the Site may include content, links, and other information supplied by third parties we neither control nor answer for. We have no duty to monitor or restrict third-party sites or services reachable through the Site, and — whether or not they are affiliated with us — we are not responsible for their accuracy, legality, decency, copyright compliance, or any other aspect of their content. Including a link does not mean we endorse the site or service or have any association with its operators.

We may also transfer information gathered through the Site as part of a joint venture, partnership, merger, or similar collaboration, or if we sell or transfer all or part of our business or assets — for example, in a reorganization, liquidation, or other transaction, including negotiations toward one.

General Terms

Severability and headings. If any provision of these Terms or any Additional Terms is found invalid, unlawful, void, or unenforceable, it will be severed and the rest will remain in full effect. Section headings and any provision summaries are for convenience only and do not limit the Terms.

Assignment. We may assign our rights and obligations under these Terms or any Additional Terms, in whole or in part, to anyone at any time without notice. You may not assign these Terms or any Additional Terms or delegate your duties under them without prior written consent from an officer of Fortis Analytics.

Entire agreement and no waiver. These Terms and any Additional Terms are the complete agreement between us about the Site and supersede any earlier agreement, representation, warranty, or discussion about it. Except as these Terms expressly state, no delay or failure by us to exercise a right, power, or remedy waives it, and no waiver or modification of any term is effective unless we put it in writing and sign it.

Investigations and law enforcement. We may investigate and pursue any suspected or actual violation of these Terms or any Additional Terms, and we may disclose information as needed to comply with any law, regulation, legal process, or government request.

International use. We control and operate the Site from the United States and make no representation that it is appropriate or available elsewhere. If you use it from another location, you do so on your own initiative and are responsible for complying with your local laws where they apply. We may limit the Site's availability, and the availability of any content, program, product, service, or feature, to any person, entity, place, or jurisdiction, and may limit quantities, at any time in our sole discretion.

Intellectual Property Notice

© 2026 Fortis Analytics LLC ("Fortis Analytics"). All rights reserved. The services provided here are protected by copyright, trade secret, and patent law and are furnished under license. "We follow the markets, so you don't have to" and "We manage the money, you manage the feelings" are trademarks of Fortis Analytics. Please review these Terms and do not use the Site if you do not accept them.

Regulatory Disclosures

Fortis Analytics LLC ("Fortis Analytics") is affiliated with and supervised by Fortis Portfolio Solutions LLC, a Registered Investment Adviser. Advisory services are offered only to clients and prospective clients in places where Fortis Analytics, Fortis Portfolio Solutions LLC, and their representatives are properly licensed or exempt from licensure. The Site is for informational purposes only. Past performance is no guarantee of future results, and investing involves risk, including the possible loss of principal. No advice will be given by Fortis Analytics or Fortis Portfolio Solutions LLC unless and until a client service agreement is in place.

Contact Us

Questions about these Terms or the Site can be sent to us by email at david@fortisportfolio.com.