TERMS & CONDITIONS

Last Revised: August 7, 2026

ACCEPTANCE OF THESE TERMS

These Terms of Service govern your access to and use of dianarichey.com and any related newsletters, memberships, podcasts, communities, communications, events, educational materials, and other content or services offered by Diana Richey and Athena Capital, LLC, a Wyoming limited liability company, collectively referred to as the “Publisher.” The website, content, communications, and related offerings are collectively referred to as the “Services.” By accessing the Services, creating an account, purchasing a subscription, or otherwise using the Services, you agree to these Terms of Service and acknowledge that you have read and understood our Privacy Policy. If you do not agree to these terms, please do not access or use the Services.

PLATFORM TERMS

The Services are operated using technology provided by Beehiiv and may rely on other third-party service providers. Your use of Beehiiv’s platform may also be subject to Beehiiv’s Terms of Use and Privacy Policy. These Terms govern your relationship with the Publisher concerning the Content and Services offered by the Publisher. Beehiiv’s terms separately govern your use of its technology and platform. If there is a conflict between these Terms and Beehiiv’s terms, each set of terms will govern the relationship and subject matter to which it applies.

ABOUT THE SERVICES

The Services provide educational content relating to investing, personal finance, financial markets, portfolio management, and related subjects. Depending on the membership or offering you select, the Services may include written articles, market commentary, trade alerts, portfolio updates, Friday Recaps, live calls, recordings, podcasts, community discussions, educational resources, and opportunities to submit questions. The nature, format, frequency, and availability of the Services may change over time. The Publisher may add, modify, replace, pause, or discontinue particular features or content when reasonably necessary.

PROFESSIONAL CREDENTIALS AND CAPACITY

Diana Richey is an attorney licensed in Wyoming, Colorado, Illinois, and Massachusetts and is a CFP® professional. Unless you have entered into a separate written professional engagement expressly providing otherwise, Diana is not acting as your attorney, investment adviser, fiduciary, or personal financial planner in connection with the Services. Your subscription, participation in a call, submission of a question, receipt of a trade alert, or communication with Diana does not create an attorney-client relationship, investment adviser-client relationship, financial-planner relationship, fiduciary relationship, or other professional relationship. Any separate legal, financial-planning, or investment-advisory relationship must be established through a distinct written agreement. If you have entered into such an agreement, that agreement will govern the services provided under it.

EDUCATIONAL PURPOSES ONLY

The Services are provided for general informational and educational purposes. Nothing provided through the Services constitutes individualized legal advice, investment advice, tax advice, financial-planning advice, accounting advice, or other professional advice. The Services may include opinions and discussions concerning securities, funds, financial markets, economic conditions, portfolio allocation, risk management, or investment strategies. These discussions are not individualized recommendations or instructions to buy, sell, or hold any particular investment. The Content does not take into account your financial circumstances, investment experience, tax situation, risk tolerance, liquidity needs, time horizon, objectives, or other personal considerations. You should consult your own qualified legal, financial, tax, or accounting professionals before making decisions for which professional advice is appropriate.

YOUR INVESTMENT DECISIONS

Investing involves risk, including the possible loss of principal. Investments discussed through the Services may be volatile, speculative, illiquid, leveraged, concentrated, or otherwise unsuitable for some investors. Past performance does not guarantee future results, and no investment approach can ensure a profit or protect against every loss. You are solely responsible for evaluating whether any investment, transaction, strategy, portfolio allocation, or other course of action is appropriate for you. You are also responsible for conducting your own research and independently verifying information before acting on it. You should not buy, sell, or hold an investment solely because it is discussed through the Services. Any investment decision you make is made at your own discretion and risk.

PERSONAL PORTFOLIO AND TRADE ALERTS

Diana may discuss investments that she owns, is considering, has previously owned, or may buy or sell in the future. She may share transactions from her personal portfolio as a transparent educational reference. The purpose of sharing these transactions is to allow subscribers to observe a real investor making decisions under uncertain conditions. These disclosures are not instructions to copy Diana’s portfolio, position sizes, timing, or transactions. Diana’s financial circumstances, tax considerations, risk tolerance, objectives, time horizon, liquidity needs, and position sizes may differ materially from yours. An investment that is appropriate for her may not be appropriate for you. Diana may buy or sell an investment before or after discussing it through the Services. She may change her opinion, position size, investment thesis, or portfolio without providing advance notice. Market prices may change before you receive or act on an alert. Technical problems, market conditions, research needs, travel, illness, personal circumstances, platform limitations, or other factors may delay, prevent, or alter a communication. No representation is made that you will receive an alert before a market price changes, that every transaction will be communicated immediately, or that you will be able to obtain the same execution price. You remain solely responsible for your investment decisions, order instructions, trade execution, position sizing, monitoring, tax consequences, and results.

CONFLICTS OF INTEREST

Diana may have a financial interest in securities or other investments discussed through the Services. She may benefit if an investment she owns increases in value and may avoid a loss by selling an investment. Positions may be initiated before or after related Content is published and may be changed or closed at any time. This creates an actual or potential conflict of interest, which you should consider when evaluating the Content. The disclosure of a conflict does not eliminate the conflict. You should independently evaluate any investment discussed and should not assume that Diana’s interests, circumstances, or decisions are the same as yours. The Services may occasionally include links to books, services, platforms, products, or other resources. If the Publisher receives compensation, referral fees, affiliate revenue, free products, or another material benefit connected with a recommendation or endorsement, that relationship will be disclosed where required. Nothing in these Terms requires you to waive, and you do not waive, any right or remedy that cannot lawfully be waived.

NO GUARANTEE OF RESULTS

The Publisher does not promise or guarantee any particular investment return, level of income, financial outcome, portfolio result, or improvement in financial circumstances. Examples, estimates, projections, model results, valuation ranges, backtests, scenarios, and discussions of potential returns are illustrative and depend on assumptions that may prove incorrect. Historical, hypothetical, projected, and model-based performance information has inherent limitations. Actual results may differ substantially because of market conditions, transaction costs, taxes, timing, liquidity, investor behavior, data limitations, and other factors. No statement concerning an investment opportunity, potential return, risk range, expected outcome, or market condition should be interpreted as a guarantee or promise.

ACCURACY AND TIMELINESS

The Publisher makes reasonable efforts to provide thoughtful and accurate information. However, financial data, market prices, company information, economic conditions, laws, regulations, and other facts can change quickly. The Content may contain errors, omissions, delayed information, estimates, or opinions that are later revised. The Publisher does not warrant that information is complete, accurate, current, or suitable for a particular purpose. You should independently verify information that is important to your decisions. Content reflects the information and judgment available when it is published and may not be updated after publication.

ELIGIBILITY AND ACCOUNTS

You must be at least eighteen years old and legally capable of entering into a binding agreement to use paid Services. You agree to provide accurate and complete information when creating an account or purchasing a subscription and to keep your account and payment information current. Your account and membership are for your personal, noncommercial use. You may not share your login credentials, provide another person with access to paid Content, or allow multiple people to use an individual membership. You are responsible for maintaining the confidentiality of your account and for activity occurring through it. Please notify the Publisher promptly if you believe your account has been accessed without authorization.

SUBSCRIPTIONS AND AUTOMATIC RENEWAL

Paid memberships are offered at the price and billing frequency disclosed when you subscribe. By purchasing a recurring subscription, you authorize the Publisher and its payment processor to charge your selected payment method at the beginning of each billing period until you cancel. Monthly subscriptions renew each month, and annual subscriptions renew each year, unless cancelled before the next renewal date. Applicable taxes may be added to the subscription price. The Publisher may change subscription prices in the future. Reasonable advance notice will be provided before a new price applies to the renewal of an existing subscription. If a free or discounted trial is offered, the length of the trial and the price that will apply after the trial will be disclosed when you enroll. Unless you cancel before the trial ends, your subscription will automatically convert to a paid recurring subscription at the disclosed price.

CANCELLATION

You may cancel your subscription through the account or subscription-management process provided by the platform through which you subscribed. You may also contact the Publisher through the contact form at dianarichey.com if you need assistance. Cancellation stops future renewal charges but does not ordinarily end access immediately. Unless otherwise stated, you will continue to have access through the end of the billing period for which you have already paid. You are responsible for cancelling before your next renewal date if you do not wish to be charged again. The Publisher will not require you to use a cancellation method that is materially more difficult than the method used to subscribe.

REFUNDS

Except where required by law or expressly stated at the time of purchase, subscription payments are nonrefundable. The Publisher does not ordinarily provide prorated refunds or credits for partially used billing periods.If you believe you were charged in error or experienced a material technical problem that prevented you from accessing the Services, please contact the Publisher promptly. The Publisher may issue a refund or credit in its discretion. Providing a refund or credit in one instance does not create an obligation to do so in another.

COMMUNITY PARTICIPATION

If the Services allow comments, questions, messages, calls, or other community participation, you agree to communicate respectfully and lawfully. You may not harass another person, impersonate someone else, distribute spam, promote unrelated products or services, publish unlawful or materially misleading content, interfere with the operation of the Services, or share another person’s confidential information. You should not submit Social Security numbers, financial-account numbers, passwords, private keys, medical records, or other highly sensitive personal information through comments, calls, texts, emails, or community features. The Publisher may moderate, remove, or restrict access to community content or participation when reasonably necessary to protect subscribers, enforce these Terms, comply with applicable law, or preserve the intended character of the community.

QUESTIONS AND PERSONAL COMMUNICATIONS

Membership may include opportunities to submit questions or communicate with Diana. Access to a telephone number, email address, messaging feature, live call, or community does not guarantee an immediate or individualized response. Availability may vary. The Publisher may establish reasonable boundaries concerning the timing, frequency, length, format, and subject matter of communications. Emergency, time-sensitive, trade-execution, legal, tax, or highly individualized financial questions should be directed to an appropriate professional rather than submitted through the Services. A response to a question reflects only the information provided and is offered for general educational purposes unless it is delivered under a separate written professional agreement.

INTELLECTUAL PROPERTY

The Services and their original content, including articles, newsletters, research, graphics, frameworks, checklists, videos, recordings, podcasts, presentations, trade commentary, branding, and educational materials, are owned by the Publisher or used with permission and are protected by applicable intellectual-property laws. Your membership gives you a limited, personal, nonexclusive, nontransferable, and revocable right to access the Services for your own noncommercial use. You may not reproduce, republish, distribute, sell, sublicense, record, scrape, systematically download, publicly display, create derivative products from, or otherwise commercially exploit paid Content without prior written permission. You may quote brief excerpts for legitimate commentary or discussion if you provide appropriate attribution and do not disclose a substantial portion of paid Content. You may not forward paid newsletters, redistribute trade alerts, share recordings, share account access, or use the Services to create a competing publication, membership, course, dataset, artificial-intelligence training collection, or commercial product.

CONTENT YOU SUBMIT

You retain ownership of original content you submit through the Services. By submitting a comment, question, testimonial, photograph, or other material, you grant the Publisher a nonexclusive right to host, store, reproduce, and display that material as reasonably necessary to operate the Services. The Publisher will not publicly identify you in connection with a testimonial or personal story without your permission, except where your submission was clearly intended for public display, such as a public comment. Testimonials and endorsements may be edited for length, grammar, or clarity but will not knowingly be altered in a misleading manner. Any use of testimonials or endorsements remains subject to applicable law.

PRIVACY

The collection, use, and disclosure of personal information are described in the Privacy Policy. By using the Services, you acknowledge that no online communication, transmission method, or storage system can be guaranteed to be completely secure.

THIRD-PARTY SERVICES AND LINKS

The Services may rely on or link to third-party platforms, payment processors, email providers, video services, market-data sources, brokerage information, social networks, or other websites. The Publisher does not control and is not responsible for the availability, security, content, privacy practices, terms, accuracy, or performance of third-party services. A link or reference to a third-party service does not necessarily constitute an endorsement. Your use of a third-party service is governed by that provider’s own terms and policies.

AVAILABILITY AND CHANGES TO THE SERVICES

The Publisher does not guarantee that the Services will always be available, uninterrupted, secure, or free from errors. Access may be affected by maintenance, platform outages, cybersecurity incidents, technical limitations, illness, travel, market events, or circumstances beyond the Publisher’s reasonable control. The Publisher may make reasonable changes to the Services, schedule, format, platform, or included features. If the Publisher permanently discontinues a material portion of a prepaid Service, it may provide a reasonable substitute, credit, or prorated refund where appropriate.

SUSPENSION OR TERMINATION

The Publisher may suspend or terminate your access if you materially violate these Terms, misuse the Services, share paid Content or account credentials, engage in unlawful or abusive conduct, fail to pay applicable fees, or threaten the safety or integrity of the Services or their users. If the Publisher terminates a paid membership because of a material violation, you will not ordinarily be entitled to a refund. You may stop using the Services at any time, subject to the subscription, cancellation, and refund provisions above.

DISCLAIMER OF WARRANTIES

To the fullest extent permitted by applicable law, the Services are provided on an “as is” and “as available” basis. The Publisher disclaims all warranties, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, noninfringement, availability, and investment performance. Nothing in these Terms excludes a warranty, obligation, right, or remedy that cannot lawfully be excluded.

LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, the Publisher and its officers, employees, contractors, agents, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to the Services. This limitation includes, to the extent permitted by law, investment losses, lost profits, lost opportunities, trading losses, tax consequences, data loss, reputational harm, business interruption, reliance on Content, delayed communications, or the inability to access an alert or other portion of the Services. To the fullest extent permitted by law, the Publisher’s aggregate liability arising from or relating to the Services will not exceed the amount you paid to the Publisher for the Services during the twelve months immediately preceding the event giving rise to the claim. These limitations do not apply to fraud, willful misconduct, violations of applicable law, or any liability, claim, right, or remedy that cannot lawfully be limited or excluded. Nothing in these Terms is intended to require you to waive compliance with any federal or state securities law or any other applicable law. Nothing in these Terms limits any non-waivable right or remedy available to you under applicable law.

INDEMNIFICATION

To the fullest extent permitted by applicable law, you agree to indemnify and hold harmless the Publisher and its officers, employees, contractors, agents, affiliates, and service providers from claims, liabilities, damages, losses, and reasonable expenses arising from your unlawful use of the Services, your material violation of these Terms, your infringement of another person’s rights, or content you submit through the Services. This provision does not require you to indemnify any person for conduct for which indemnification cannot lawfully be required.

GOVERNING LAW

These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-law principles. Any dispute that is not resolved informally will be brought in a court of competent jurisdiction located in Wyoming, unless applicable law requires otherwise. Before filing a legal claim, you agree to contact the Publisher and make a good-faith effort to resolve the dispute informally. Nothing in this provision prevents either party from seeking urgent injunctive relief when appropriate or exercising a right that cannot lawfully be restricted.

CHANGES TO THESE TERMS

The Publisher may update these Terms from time to time to reflect changes in the Services, business practices, technology, or applicable law. Updated Terms will be posted with a revised “Last updated” date. If a change materially affects an existing paid subscription, the Publisher will provide reasonable notice when required. Your continued use of the Services after updated Terms become effective constitutes your acceptance of the revised Terms.

SEVERABILITY

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in effect. Any invalid or unenforceable provision will be interpreted or limited as closely as possible to accomplish its intended lawful purpose.

NO WAIVER

The Publisher’s failure to enforce a provision of these Terms does not waive the right to enforce that provision later. No waiver of any provision will constitute a continuing waiver or a waiver of any other provision.

ASSIGNMENT

You may not assign or transfer your account, subscription, or rights under these Terms without the Publisher’s prior written consent. The Publisher may assign these Terms in connection with a merger, acquisition, reorganization, sale of substantially all relevant assets, or transfer of the Services to a successor entity, subject to applicable law.

ENTIRE AGREEMENT

These Terms of Service, together with the Privacy Policy and any additional terms presented when you purchase a particular Service, constitute the entire agreement between you and the Publisher concerning the Services. These Terms supersede prior understandings or agreements concerning the same subject matter. If separate written terms apply to an investment-advisory, legal, financial-planning, or other professional relationship, those separate terms will govern that relationship.

CONTACT

Questions about these Terms of Service may be submitted to [email protected].