Terms of Service

Last updated: April 12, 2026

Exoswan Insights is a publication operated by Challenger Media LLC (“Company,” “we,” “us,” or “our”). By subscribing to or accessing Exoswan.com, you agree to the following terms. Please read them carefully.

1. About Exoswan Insights

Exoswan.com is operated by Challenger Media LLC, a Washington State limited liability company. Exoswan Insights publishes original equity research and thematic investment resources for individual subscribers. All content is subject to the disclosures published at exoswan.com/disclosures.

2. Eligibility

You must be at least 18 years of age to subscribe. By subscribing, you represent that you are legally capable of entering into a binding agreement and that all information you provide is accurate and complete.

3. Subscriptions

Exoswan Insights offers a single-tier annual subscription. Access to premium content is granted upon successful payment and remains active for one year from the date of purchase.

Auto-renewal

Your subscription renews automatically at the end of each annual period at the listed rate. If you locked in a lifetime rate at purchase, your subscription rate will continue at your original rate. You may cancel at any time before renewal to prevent the next charge.

Payment

Payments are processed securely by Stripe. Exoswan Insights does not store your payment card information. By subscribing, you also agree to Stripe's terms of service, available at stripe.com/legal.

Account sharing

Your subscription is for individual use only. You may not share, transfer, sublicense, or resell access to your account or any content delivered through it. We reserve the right to terminate subscriptions that are being used in violation of this policy.

4. Cancellations and Refunds

Cancellations

You may cancel your subscription at any time through your account settings or by contacting us directly. Cancellation takes effect at the end of your current billing period. Your access will continue until the end of your current annual term and will not renew.

Refunds

Due to the immediate access to our digital research archives, all subscription fees are non-refundable, and we do not offer prorated refunds for canceled subscriptions. However, we want to ensure our research is a good fit for you. If you are dissatisfied with your subscription or believe there has been a billing error, please contact us directly at support@exoswan.com so we can help resolve the issue.

5. Content and Intellectual Property

All content published by Exoswan Insights—including research reports, thesis updates, watchlists, and any other materials—is the intellectual property of Challenger Media LLC and is protected by applicable copyright law.

Permitted use

Your subscription grants you a personal, non-exclusive, non-transferable license to access and read Exoswan Insights content for your own private, non-commercial use.

Prohibited use

You may not, without our prior written consent:

  • Reproduce, redistribute, or republish substantial portions of our content in any medium
  • Share, resell, or otherwise make our content available to non-subscribers
  • Use our content for any commercial purpose
  • Scrape, index, or systematically extract our content by automated means

Fair use quotation with clear attribution to Exoswan Insights is permitted. If you are uncertain whether a specific use is permitted, contact us before proceeding.

6. Disclaimers

All content published by Exoswan Insights is subject to the disclosures and risk disclaimers available at exoswan.com/disclosures, which are incorporated into these terms by reference. In particular:

  • Our content is for informational purposes only and does not constitute investment advice
  • We are not registered investment advisers, broker-dealers, or financial planners
  • Past performance is not indicative of future results
  • Investing in early-stage and small-capitalization securities involves substantial risk, including total loss of capital

The service and all content are provided 'as is' without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability or fitness for a particular purpose.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Challenger Media LLC, its principals, and its operators and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on Exoswan Insights content. This includes, without limitation, any investment losses incurred as a result of acting on information published by Exoswan Insights.

Your sole remedy for dissatisfaction with Exoswan Insights is to cancel your subscription and, if within the 30-day window, request a refund.

Notwithstanding the foregoing, and to the fullest extent permitted by applicable law, our total aggregate liability to you for any claims arising out of or relating to your use of Exoswan Insights or these terms shall not exceed the total subscription fees paid by you in the twelve months preceding the event giving rise to the claim.

8. Termination

By you

You may cancel your subscription at any time as described in Section 4.

By us

We reserve the right to suspend or terminate your subscription at any time:

  • For cause — including but not limited to material breach of these terms, unauthorised sharing or redistribution of content, or abusive conduct — without notice and without refund.
  • Without cause — with reasonable notice and a prorated refund of any unused subscription period.

9. Modifications

We may update these terms at any time. For material changes, we will notify subscribers by email before the changes take effect. Continued use of your subscription following that notice constitutes acceptance of the revised terms. If you do not agree, you may cancel your subscription before the changes take effect.

10. Dispute Resolution

We would rather resolve any concern quickly and fairly than escalate it. If you have a complaint or dispute, please contact us first at support@exoswan.com and give us a reasonable opportunity to address it.

If we are unable to resolve the matter informally, the following process applies:

  1. Time limitation on claims — Any claim or cause of action arising out of or relating to your use of Exoswan Insights or these terms must be filed within one year after the claim arose, regardless of any statute of limitations to the contrary. Claims not brought within this period are permanently barred.
  2. Mediation — either party may request non-binding mediation administered by a mutually agreed neutral mediator. Costs are shared equally.
  3. Arbitration — if mediation does not resolve the dispute within 60 days, either party may submit the matter to binding arbitration under the rules of the American Arbitration Association (AAA), conducted in Washington State.
  4. Small Claims — Notwithstanding the foregoing, either party may bring an individual claim in a small claims court of competent jurisdiction, provided the claim qualifies for small claims court under that court's jurisdictional limits and is brought on an individual (non-class) basis. A party that files a small claims action waives the right to arbitrate that particular dispute. If a small claims claim is transferred, removed, or appealed to a different court, it will be subject to arbitration under these terms.

All disputes shall be governed by the laws of the State of Washington, without regard to its conflict of law provisions. You agree that any dispute will be resolved on an individual basis and not as part of a class or representative action.

To the fullest extent permitted by applicable law, you and Challenger Media LLC each waive any right to a jury trial in connection with any dispute arising out of or relating to these terms or your use of Exoswan Insights. All such disputes shall be resolved by a single arbitrator as described above.

11. Indemnification

You agree to indemnify and hold harmless Challenger Media LLC, its principals, and contributors from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your misuse of the service or violation of these terms.

12. Miscellaneous

  • Entire agreement — these terms, together with our Disclosures and Privacy Policy, constitute the entire agreement between you and Challenger Media LLC with respect to your use of Exoswan Insights.
  • Severability — if any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
  • No waiver — our failure to enforce any provision of these terms does not constitute a waiver of our right to enforce it in the future.
  • Assignment — you may not assign your subscription or any rights under these terms without our prior written consent. We may assign these terms in connection with a merger, acquisition, or sale of assets.
  • Force Majeure — We do not guarantee uninterrupted access or publication on any fixed schedule. We are not liable for delays or failures resulting from causes beyond our reasonable control.

Exoswan.com is operated by Challenger Media LLC. For questions regarding these terms, contact support@exoswan.com.