Last updated: April 27, 2025
Welcome to www.caldric.com (the “Site”), operated by Caldric, LLC (“Caldric,” “we,” “our,” “us”). By accessing or using the Site you agree to these Terms of Use (the “Terms”). If you do not agree, please exit the Site immediately.
1 · Informational purpose only — no offer, no advice
- Not an offer – The material on this Site is for general information. Nothing herein constitutes an offer to sell or a solicitation of an offer to buy any securities or investment products.
- No fiduciary relationship – Use of this Site does not create an adviser-client relationship. Fiduciary obligations arise only after you execute a written advisory agreement.
- Regulatory status – Caldric is registered as an investment adviser in Mississippi and may transact business only where properly registered, excluded, or exempt.
2 · Forward-looking statements
Certain statements on the Site may constitute “forward-looking” information that involves risks and uncertainties. Actual results may differ materially, and Caldric undertakes no obligation to update such statements.
3 · Intellectual property
- Copyright – All content is © 2025 Caldric LLC unless otherwise noted.
- Trademarks – “Caldric,” “Caldric Core,” and related marks are pending or registered trademarks of Caldric LLC.
- License – You may view, download, or print Site content for personal, non-commercial use only.
4 · User conduct
You agree not to misuse the Site, introduce malware, scrape data, or attempt unauthorized access. We may suspend or terminate access for violations.
5 · Third-party content & links
The Site may link to external sites; Caldric is not responsible for their content or privacy practices. Analytics scripts (GA4, PostHog) and Cloudflare Turnstile are loaded from third-party domains; their terms apply in addition to ours.
6 · Disclaimer of warranties
The Site is provided “as is” without warranties of any kind. We do not warrant it will be error-free or uninterrupted.
7 · Limitation of liability
To the fullest extent permitted by law, Caldric shall not be liable for indirect or consequential damages. In no event will our aggregate liability exceed US $100.
8 · Indemnification
You agree to indemnify and hold harmless Caldric from any claims arising out of your misuse of the Site or breach of these Terms.
9 · Governing law & dispute resolution
These Terms are governed by Mississippi law. Any dispute will be resolved by binding arbitration in Hattiesburg, MS under the AAA Commercial Rules.
10 · Changes to the Terms
We may revise these Terms at any time; continued use constitutes acceptance. The “Last updated” date indicates the effective date.
11 · Contact
Questions? E-mail [email protected].
12 · Performance & risk disclaimer
Past performance is not a guarantee—or even a reliable indicator—of future results. All investments involve risk, including the possible loss of principal. Before investing, consider whether a strategy is appropriate given your objectives, time horizon, and risk tolerance.
13 · No tax or legal advice
The materials on this Site are provided for general, educational purposes only and do not constitute tax, accounting, or legal advice. Viewing or using the Site does not create an attorney-client, CPA-client, or investment-adviser relationship with Caldric. Personalized tax or legal advice is offered only through a separate written engagement letter signed by you and Caldric (or its affiliated professionals). To understand the tax and legal consequences of any investment strategy, consult your own qualified advisor.
IRS Circular 230 Notice: Any U.S. federal tax information on this Site is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding tax-related penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending any transaction to another party.
14 · Electronic communications
- E-mail and other Internet transmissions may be insecure; do not send confidential information to us via unencrypted channels.
- Caldric is not obligated to act on instructions received via electronic means unless and until we acknowledge receipt.
- We may monitor or retain copies of any electronic communications with you as permitted by law and regulation.
15 · Severability
If any provision of these Terms is held invalid or unenforceable in any jurisdiction, such provision will be reformed only to the extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.