These Terms of Use were last updated on July 5, 2019. PLEASE READ OUR TERMS OF USE CAREFULLY BEFORE SIGNING UP FOR OUR NEWSLETTER, REGISTERING AND/OR USING OUR WEBSITES… Maximus Strategic Consulting Inc. (“Pinnacle Digest” “we,” “us,” "our," “Maximus” ) provides its websites, PinnacleDigest.com and StockChallenge.PinnacleDigest.com, located at http://pinnacledigest.com and https://www.stockchallenge.pinnacledigest.com respectively, to you, an individual user (“you”) for your individual usage, subject to compliance with the Terms of Use (and the Rules and Information for our Stock Challenge) set forth herein. The following also applies to Pinnacle Digest’s account at https://twitter.com/pinnacledigest and https://www.facebook.com/pinnacledigest/ and https://www.youtube.com/user/PinnacleRadio

Acceptance of Terms

All website services provided to you by Maximus Strategic Consulting Inc. and any of its respective affiliates, related companies, unaffiliated partners and/or sponsors are provided to you subject to the following Terms of Use of service. By using or accessing (either by computer, e-reader, mobile or other electronic device now or hereafter devised) any Maximus website,  mobile enabled website, or mobile application (each a "Maximus Site" and collectively, the "Maximus Sites") or any products, content or other services available on a Maximus Site (each a "Service" and collectively, the "Services"), including Services offered on a payment basis (each a "Paid Service" and collectively, "Paid Services"), you agree to be bound by these Terms of Use and such other additional or alternative terms, conditions, rules and policies which are displayed or to which you may be directed in connection with any particular Maximus Site or Service (collectively the “Terms of Use"), all as may be modified by Maximus in accordance with these Terms of Use. Without limiting the generality of the foregoing, the Terms of Use will also apply if you access a Maximus Site or Service, or authenticate as a user, through a third party website or social media application (for example, through Twitter® or Facebook®). These Terms of Use, along with any modifications or additional or alternate terms or conditions referred to, including those related to your agreement to use a Paid Service (a "Paid Services Agreement"), shall be the entire agreement between you and Maximus and any prior communications between you and Maximus (including, for example, e-mails) do not form part of these Terms of Use. If you do not agree with these Terms of Use, do not use any Maximus Site or any of the Services.

Usage Agreement

Pinnacle Digest is Copyright © by Maximus Strategic Consulting Inc. All rights are reserved. Under no circumstances is content on this website, or any Maximus owned website, allowed to be reposted, copied or redistributed without the express consent of Pinnacle Digest. In respect to posting any blogs or comments on PinnacleDigest.com, you are by no means allowed to repost content published by another author unless you have received written and explicit consent by that author to do so. If you are in violation of this rule, and have posted copyrighted material on a blog or comment on PinnacleDigest.com or StockChallenge.PinnacleDigest.com, it will be removed from our Site, and you will be banned. You are legally responsible for all the blogs, comments and private messages you post on PinnacleDigest.com and StockChallenge.PinnacleDigest.com.

Financial Information Disclaimer

Be advised, Maximus Strategic Consulting Inc., Pinnacle Digest and its writers, employees and consultants are not a registered broker-dealer or financial advisors. Before investing in any securities, you should consult with your financial advisor and a registered broker-dealer. Nothing on this website or in Pinnacle Digest's newsletter is to be construed as investment advice. Pinnacle Digest and the content on the Maximus Sites predominantly focus on micro-cap and small-cap publicly traded companies. These types of stocks are VERY RISKY and are not suitable investments for most investors. Never, ever, make an investment based solely on what you read on Pinnacle Digest or in its online newsletter, especially if the investment involves a small, thinly-traded company that isn't well known. Most companies featured in the Pinnacle Digest newsletter (which you become a subscriber to when submitting your email address in any form on Maximus' Sites), and on our website, are paying clients of Maximus'. The clients typically pay Maximus a cash fee for the coverage provided and research conducted. And in many cases, we own shares in the companies we feature and advertise for. For those reasons, please be aware that we are extremely biased in regards to the companies we write about and feature in our newsletter and on our website. Because we are paid by featured companies and sponsors (often referred to in our reports as 'clients'), and therefore we are not independent reporters, our coverage of our clients feature many of their positive aspects, and not the potential risks to their business or to investing in their stock. Because we are paid by public companies to provide our online advertising and marketing services, and we (Maximus Strategic Consulting Inc. and our employees) may own shares in the companies featured in our newsletter and on our website, you must recognize the inherent conflict of interest involved that may influence our perspective on these companies; this is why we stress that you conduct extensive due diligence as well as seek the advice of your financial advisor and a registered broker-dealer before investing in any securities mentioned in our reports. It is critical that you independently investigate and fully understand all risks before investing in any securities. We want to remind you again that Maximus is often paid editorial fees for its writing and the dissemination of material on publicly traded companies. The clients represented by Pinnacle Digest are typically exploration-stage or development-stage companies that pose a much higher risk to investors than established companies. When investing in speculative stocks of this nature, it is possible to lose your entire investment over time or even quickly. In all biased reports published by Maximus pertaining to a publicly traded company (clients/sponsors of Maximus), our financial interest and compensation are disclosed at the bottom of the report. We will always disclose to our readers/viewers if we were paid to provide online advertisement coverage for a company, and clearly state if we own shares in the company in our disclosure statements. You can also visit our “Disclosure & Compensation” page for more information pertaining to this. All information on Pinnacle Digest and Maximus' Sites regarding publicly traded companies' market caps, stock prices and trading information is found/sourced via online platforms and quotes. There are no guarantees that these figures are accurate or complete.

Your Registration Obligations and Our Opt-out Policy

As stated on our registration forms (which require you to submit your email address), by registering for PinnacleDigest.com on this website and any Maximus Sites (involves you voluntarily submitting your email address), or by downloading any free Ebooks we provide (also involves you voluntarily submitting your email address), you agree that you would like to receive a free subscription to our weekly newsletter. We typically email our newsletter once per week - mainly on Saturday or Sunday. In our weekly newsletter, we sometimes write about our clients and sponsors. Opting out of our newsletter is simple. In every email newsletter we send out there is an unsubscribe link included at the bottom. Click that link and the rest is self-explanatory. You can also email support [at] pinnacledigest.com, subject 'unsubscribe,' to opt out of our free newsletter subscription at any time. You may be required to establish an account or otherwise register to participate in certain Services on Maximus Sites. When you provide registration information, you agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the applicable Services' registration form (such information collectively being the "Registration Data"); and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof). During registration on Maximus Sites, you will be asked to provide a personal e-mail address and to create your own password. Your e-mail address will become your user identification ("User ID”) unless you provide an alternative username. You are responsible for maintaining the confidentiality of your password and your account, and you are fully responsible for all activities that occur under your password or account. You agree to: (a) immediately notify Maximus of any unauthorized use of your password or account or any other breach of security; and (b) ensure that you log out from your account at the end of each session. Maximus cannot and will not be liable for any loss or damage arising from your failure to comply with “Your Registration Obligations” in this section. Email support[at]pinnacledigest.com immediately if you think your PinnacleDigest.com or StockChallenge.PinnacleDigest.com account security may have been compromised.

Privacy Policy

Registration Data and certain other personal information about you is subject to our Privacy Policy. For more information, please see our Privacy Policy. By submitting your personal information you signify your agreement to the Privacy Policy which may be amended from time to time. You agree that Maximus has the right, but not the obligation, to monitor the Maximus Sites and the Services electronically from time to time. You acknowledge and agree that where you are required to set up an account (for example, to comment on a story or register for our newsletter(s)), if you choose to do so using personal information provided by a third party website or application such as Facebook® or Twitter®, this paragraph constitutes prior written notice to you of, and your consent to, the collection and use of your personal information by Maximus for the purposes of setting up the account. You acknowledge that in the event that a third party service provider is located in the United States or another foreign country, your personal information may be processed and stored in the United States or such other foreign country, and the governments, courts or law enforcement or regulatory agencies of that country may be able to obtain disclosure of your personal information through the laws of the foreign country. Whenever we engage a third party service provider to do work for us, we confirm that its privacy and security standards meet our requirements. You acknowledge and agree that this paragraph constitutes prior written notice to you of, and your consent to the collection, use and disclosure of your personal information as described above.

Eligibility for Membership

Use of and membership in any of the Maximus Sites, including without limitation any Site content, Applications and/or Services, is void where prohibited. Access to and use of any of the Maximus Sites, including without limitation any site content, applications and/or services, are intended solely for persons who can form legally binding contracts under applicable law and who have lawful Internet access. Without limiting the foregoing, the Maximus Sites, including without limitation any site content, applications and/or services, are not intended for individuals under the age of 19, or age of majority in your jurisdiction of residence, whichever is less; if you do not qualify, please do not use any of them. You are responsible for obtaining lawful Internet access, including without limitation your responsibility for any equipment necessary to access the Internet and the Maximus Sites, including without limitation any site content, applications and/or services, and for any third party fees (such as Internet service provider or carrier airtime, messaging, data and other rates and fees) associated with such access.

Pinnacle Digest Contest Eligibility and Rules (Stock Challenge)

Stock Challenge is a monthly contest provided by Maximus (website here). No purchase required. Contest open for entry monthly starting on the 1st and closing on the last day of each month. Entries for upcoming month's contest must be received by 8:00 p.m. PST on the last day of each month. There is a total of 1 Stock Challenge winner's prize package available to be won per contest period (a Stock Challenge Champ Hoodie, Pinnacle Digest polo and 10-ounce silver bar - approximate combined retail value CAD$379.99, but varies depending on the value of an ounce of silver). There is a total of 1 Stock Challenge 2nd place prize package available to be won per contest period (a Pinnacle Digest polo and 5-ounce silver bar - approximate combined retail value CAD$200.00, but varies depending on the value of an ounce of silver). There is a total of 1 Stock Challenge 3rd place prize package available to be won per contest period (a Pinnacle Digest polo - approximate retail value CAD$100.00). Skill testing question required. Open to members of Pinnacle Digest and non-members who are Canadian residents and age of majority in the province or territory of residence at time of entry excluding Quebec. Odds of winning depend on number of eligible entries received before a contest closes and stock-picking skill of entrants. Limit one entry per person per month - cheaters will be permanently banned. For full rules and entry details click here.

No Investment Recommendations or Professional Advice

Pinnacle Digest, or any Maximus Site, is not intended to provide tax, legal, insurance or investment advice, and nothing on this site or in the Pinnacle Digest newsletter should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Pinnacle Digest or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation. You should also consult a licensed professional, such as your financial advisor or broker-dealer, when dealing in any securities. Maximus does not guarantee the accuracy or thoroughness of the information reported in its site or in the Pinnacle Digest newsletter.

General Notice and Disclaimer

This notice and disclaimer applies to PinnacleDigest.com, operated by Maximus Strategic Consulting Inc. a company continued under the laws of Alberta, Canada and its subsidiaries, affiliates, assigns, successors and related entities (“Maximus”). PinnacleDigest.com and StockChallenge.PinnacleDigest.com are online portals focusing on financial information. Maximus does not represent, warrant, or endorse the accuracy, reliability, completeness or timeliness of any of the information, content, views, opinions, recommendations or advertisements (collectively, the “Materials”) contained on, distributed through, or linked, downloaded or accessed from any of the services contained on PinnacleDigest.com and StockChallenge.PinnacleDigest.com, nor the quality of any products, information or other materials displayed, purchased, or obtained by you as a result of an advertisement or any other information or offer in or in connection with the Service (the “Products”). You hereby acknowledge that any reliance upon any Materials shall be at your sole risk. In particular, none of the Materials is provided on PinnacleDigest.com and StockChallenge.PinnacleDigest.com with a view to inviting, inducing or encouraging any person to make any kind of investment decision. Securities or other investments referred to in the Materials may not be suitable for you and you should not make any kind of investment decision in relation to them without first obtaining independent investment advice from a person authorized to give it. Maximus reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any error or omissions in any portion of the Service or the Materials. Materials may be delayed as specified by Stock Exchanges and other sources. Maximus specifically represents that it does not give investment advice or advocate the purchase or sale of any security or investment. None of the information contained in the Materials constitutes an offer to sell or the solicitation of an offer to buy any security or other investment or an offer to provide investment services of any kind. Maximus and our affiliates, officers, directors, and employees, including persons involved in the preparation of proprietary content on PinnacleDigest.com and affiliated websites, may from time to time, have long or short positions in, and buy and sell the securities or derivatives (including options) of companies mentioned in proprietary content on PinnacleDigest.com, StockChallenge.PinnacleDigest.com, the Pinnacle Digest newsletter, and affiliated websites. Please be aware and note the date in which articles and newsletters are published. As a result of the passing of time, the relevancy of the opinions and facts in articles are likely to diminish over time and may change without an update to the articles. As such, you cannot rely on the accuracy and timeliness of the information provided and should consider many of the articles irrelevant after an extended period of time from the date which it was published. Since there is no specific guideline as to how long an article may remain relevant, you should consider that all articles may be irrelevant shortly after they are published. This is especially true for articles that include information on publicly traded companies. THE SERVICE AND THE MATERIALS ARE PROVIDED BY MAXIMUS AND OTHER INFORMATION PROVIDERS ON AN “AS IS” BASIS, AND MAXIMUS AND OTHER INFORMATION PROVIDERS EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF SATISFACTORY QUALITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SERVICE OR ANY MATERIALS AND PRODUCTS. IN NO EVENT SHALL MAXIMUS AND OTHER INFORMATION PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE SERVICE, THE MATERIALS, AND THE PRODUCTS. This website contains the opinion(s) of PinnacleDigest.com and it's officers and employees. Through viewing or using this site, you agree to hold Maximus, its operators, owners and employees harmless and to completely release them from any and all liability due to any and all loss (monetary or otherwise), damage (monetary or otherwise), or injury (monetary or otherwise) that you may incur. Neither the information presented nor any statement or expression of opinion, or any other matter herein, directly or indirectly constitutes a representation by the publisher nor a solicitation of the purchase or sale of any securities. The information contained herein is based on sources which we believe to be reliable but is not guaranteed by us as being accurate and does not purport to be a complete statement or summary of the available data. Maximus and its associates and employees are not responsible for errors and omissions. They may from time to time have a position in the securities mentioned herein and may increase or decrease such positions without notice. Anytime Maximus has a position in a security mentioned in an article, video or podcast on this website, it will disclose such interest. Any opinions expressed are subject to change without notice. USE OF THIS WEBSITE IS AT YOUR OWN RISK. AS A CONDITION OF USE OF THIS WEBSITE, YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS, MAXIMUS STRATEGIC CONSULTING INC. AND PINNACLEDIGEST.COM AND ITS SUPPLIERS, EACH OF THEIR PARENT AND AFFILIATED COMPANIES, AND EACH OF THEIR RESPECTIVE PARTNERS, SUPPLIERS, LICENSORS, OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS AND AGENTS, FROM ANY AND ALL CLAIMS (INCLUDING, BUT NOT LIMITED TO, CLAIMS FOR DEFAMATION, TRADE DISPARAGEMENT, PRIVACY AND INTELLECTUAL PROPERTY INFRINGEMENT) AND DAMAGES (INCLUDING ATTORNEYS' FEES AND COURT COSTS) ARISING FROM OR RELATING TO ANY ALLEGATION REGARDING: (A) YOUR USE OF MAXIMUS STRATEGIC CONSULTING INC. SITES, INCLUDING PINNACLEDIGEST.COM; (B) MAXIMUS STRATEGIC CONSULTING INC. AND PINNACLEDIGEST.COM'S USE OF ANY CONTENT OR INFORMATION YOU PROVIDE, AS LONG AS OUR USE IS NOT INCONSISTENT WITH THIS AGREEMENT; (C) INFORMATION OR MATERIAL POSTED OR TRANSMITTED THROUGH YOUR MEMBERSHIP ACCOUNT, EVEN IF NOT POSTED BY YOU; AND, (D) ANY VIOLATION OF THESE TERMS OF SERVICE BY YOU. If you are dissatisfied with any Maximus Strategic Consulting Inc. and PinnacleDigest.com material, or with any of Maximus Strategic Consulting Inc. and PinnacleDigest.com ‘Terms of Use,’ your sole and exclusive remedy is to discontinue using the Maximus Strategic Consulting Inc. and PinnacleDigest.com Website.

Changes to Terms of Use and Website

We may at any time, without notice, revise the Terms of Use, effective when posted, and/or change any aspect of the Website, without any liability to you. By continuing to use the Website, you agree to be bound by such revisions to the Terms of Use and agree to periodically revisit this page to review the current version of the Terms of Use, as modified from time to time. If you do not agree to the Terms of Use, please do not use the Website or any Maximus Sites, including StockChallenge.PinnacleDigest.com and PinnacleDigest.com.

Copyright and Other Intellectual Property Rights Infringement and Violations of Agreement

You may not post on PinnacleDigest.com and StockChallenge.PinnacleDigest.com, including without limitation any Site Content, Applications and/or Services, any materials that violate another party's copyrights, trademarks and/or other intellectual property rights. When Maximus receives proper notification of alleged copyright, trademark and/or other intellectual property infringement from the copyright, trademark and/or other intellectual property owner or such owner's legal agent, Maximus' policy is to remove or disable access to the allegedly infringing material. If you reasonably believe that any User Content or other material posted on PinnacleDigest.com or StockChallenge.PinnacleDigest.com, including without limitation any Site Content, Applications and/or Services, infringes upon any copyright, trademark and/or other intellectual property which you own or control, please provide Pinnacle Digest with the following information: 1. a description of the copyrighted work, trademark and/or other intellectual property that you claim has been infringed; 2. a description of where the material that you claim is infringing is posted on PinnacleDigest.com or StockChallenge.PinnacleDigest.com (provide URL) 3. your address, telephone number, and email address; 4. a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright, trademark and/or other intellectual property owner, its agent, or the law; and 5. a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright, trademark and/or other intellectual property owner or authorized to act on such owner's behalf. If you wish to make a complaint regarding a possible violation of the Agreement by any User conduct and/or any User Content or other material posted on PinnacleDigest.com or StockChallenge.PinnacleDigest.com, including without limitation any Site Content, Applications and/or Services, you may either: Email us at support (at) pinnacledigest.com with a written statement providing all the information requested above or provide a written statement providing all the request information above and mail it to the address below: Maximus Strategic Consulting Inc., 310-1117 1 St. SW, Calgary, AB, T2R 0T9, Canada SPECIAL WARNING ON USE OF FINANCIAL MESSAGE BOARDS: Please be aware that the Service includes information, views, opinions and recommendations of individuals from the general public who may remain largely anonymous while on our site and whose use of our site implies an interest in discussing and sharing information related to the stock market and/or other investments. Maximus Strategic Consulting Inc. assumes no responsibility for the accuracy, timeliness, completeness or usefulness of information available via member comments, forums and blogs. Maximus Strategic Consulting Inc. does not endorse any opinions or recommendations posted by members. Maximus Strategic Consulting Inc. does not advocate the purchase or sale of any security or investment. You should exercise discretion and skepticism when reading and weighing information posted on message boards and in other areas of PinnacleDigest.com and StockChallenge.PinnacleDigest.com. Such information may be incorrect or misleading. Members may pretend to be other than who or what they are. Some members may have dishonest and/or deceitful intentions or may share inaccurate and misleading information. You should make every reasonable effort and attempt to independently verify any and all claims made on this or any other message board service. Before making any financial decisions you should consult a professional money manager or other financial advisor. If you choose to rely on information posted by other members you do so solely at your own risk. WARNING! Do not ever share any personal information of yours with other members of PinnacleDigest.com or StockChallenge.PinnacleDigest.com. That includes your telephone number, email address, home address, place of work and any other personal information. By submitting your comments we reserve the right, at our sole discretion, to change, modify, add, or delete your comments and portions of these Terms of Use at any time without further notice.

Account Information

Be aware that the identifying information specific to your use of PinnacleDigest.com and StockChallenge.PinnacleDigest.com, including your IP address, name, and email address will be delivered when requested by a legal subpoena. If the subpoena is for a civil matter, you will be notified immediately by email and/or a message sent to your PinnacleDigest.com account so that you may seek to prevent our delivery of this information or quash the subpoena. If you have any questions about our Terms of Use, please email support [at] pinnacledigest.com.