Terms of Service

Last Updated: February 15, 2026

1. Acceptance of Terms

By accessing or using FactorsToday.com (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you must not access or use the Website. We reserve the right to modify these Terms at any time without prior notice. Your continued use of the Website following any changes constitutes acceptance of those changes.

2. No Investment Advice

THE CONTENT ON THIS WEBSITE IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE INVESTMENT ADVICE, FINANCIAL ADVICE, TRADING ADVICE, OR ANY OTHER SORT OF ADVICE.

FactorsToday.com is operated by Lukasz R. Tomicki, Founder and Managing Partner of LRT Capital Management, LLC. While LRT Capital Management is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC), this Website is not affiliated with LRT Capital Management's advisory services and does not provide investment advice. The information and tools provided on this Website are for educational and informational purposes only and are separate from any advisory services offered by LRT Capital Management.

Nothing on this Website should be construed as a recommendation to buy, sell, or hold any security, investment product, or financial instrument. The information provided does not take into account your specific investment objectives, financial situation, or particular needs. Use of this Website does not create an advisory relationship with LRT Capital Management or any of its affiliates.

You should consult with a qualified financial advisor, accountant, attorney, or other professional before making any investment decisions.

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All investments involve risk, including the possible loss of principal.

3. No Warranties; Accuracy of Information

THE WEBSITE AND ALL CONTENT, MATERIALS, INFORMATION, DATA, SOFTWARE, PRODUCTS, AND SERVICES PROVIDED ON THE WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.

We expressly disclaim all warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to:

  • Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
  • Any warranties that the Website will be uninterrupted, error-free, secure, or free of viruses or other harmful components
  • Any warranties regarding the accuracy, completeness, timeliness, reliability, or availability of any content or information
  • Any warranties regarding the results that may be obtained from the use of the Website

While we strive to provide accurate information, we make no representations or warranties about the accuracy, completeness, or reliability of any data, factor loadings, stock analyses, hedge recommendations, or other content on the Website. Data may contain errors, be delayed, or be incomplete. You assume full responsibility for any actions taken based on information obtained from this Website.

4. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FACTORSTODAY.COM, ITS OWNER, OPERATORS, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:

  • Direct, indirect, incidental, special, consequential, punitive, or exemplary damages
  • Loss of profits, revenue, data, goodwill, or other intangible losses
  • Investment losses or damages arising from investment decisions
  • Damages resulting from your use of or inability to use the Website
  • Damages resulting from any content obtained from the Website
  • Unauthorized access to or alteration of your transmissions or data

This limitation applies regardless of the legal theory (contract, tort, strict liability, or otherwise), even if we have been advised of the possibility of such damages. In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the maximum extent permitted by law.

5. Indemnification

You agree to indemnify, defend, and hold harmless FactorsToday.com, its owner, operators, affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from: (a) your use of the Website; (b) your violation of these Terms; (c) your violation of any third-party rights, including intellectual property rights; (d) any investment decisions you make based on information from the Website; or (e) any claim that your use of the Website caused damage to a third party.

6. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, software, and the compilation thereof, is the property of FactorsToday.com or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website without our prior written consent, except for personal, non-commercial use.

7. User Conduct

You agree not to use the Website:

  • In any way that violates any applicable federal, state, local, or international law or regulation
  • To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website
  • To attempt to gain unauthorized access to any portion of the Website or any systems or networks connected to it
  • To use any robot, spider, scraper, or other automated means to access the Website for any purpose without our express written permission
  • To introduce any viruses, trojan horses, worms, or other harmful material
  • To interfere with or disrupt the Website or servers or networks connected to it

8. Third-Party Content and Links

The Website may contain links to third-party websites or resources. We provide these links only as a convenience and are not responsible for the content, products, or services on or available from those websites. You acknowledge sole responsibility for and assume all risk arising from your use of any third-party websites or resources. We do not endorse and are not responsible or liable for any content, advertising, products, or other materials available from such sites.

9. Account Security

If you create an account on the Website, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss or damage arising from your failure to protect your account credentials.

10. Termination

We reserve the right, in our sole discretion, to terminate or suspend your access to all or part of the Website, with or without notice, for any reason or no reason, including without limitation, breach of these Terms. Upon termination, your right to use the Website will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in Travis County, Texas, and you consent to the personal jurisdiction of such courts.

CLASS ACTION WAIVER: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

12. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, shall be severed from these Terms. Such modification or severance shall not affect the validity and enforceability of the remaining provisions.

13. Entire Agreement

These Terms, together with any other legal notices or policies published by us on the Website, constitute the entire agreement between you and FactorsToday.com regarding your use of the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral.

14. Contact Information

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

FactorsToday.com
Email: ltomicki@lrtcapital.com