TERMS, PRIVACY & DISCLAIMERS - Everlife Capital

Last Updated: November 16, 2025

Website: https://everlifecapital.com
Newsletter: https://everlifecapital.substack.com

1. NOT INVESTMENT ADVICE {#not-investment-advice}

General Disclaimer

The content on this website, including all articles, analyses, company evaluations, newsletter content, social media posts, videos, and commentary, is provided for educational and informational purposes only. Nothing on this website or in any EverLife Capital content constitutes:

Investment advice
Financial advice
Trading advice
Tax advice
Legal advice
Any other type of professional advice

You should not treat any of the website’s content as such.

No Recommendations

EverLife Capital does not recommend that any security should be bought, sold, or held by you. We do not provide personalized investment recommendations or advice tailored to your individual financial circumstances, investment objectives, or risk tolerance.

Do Your Own Due Diligence

You must conduct your own independent due diligence and consult with qualified financial, tax, and legal advisors before making any investment decisions. Any investment decisions you make are solely your responsibility.

SEC Compliance

This website is not registered with the U.S. Securities and Exchange Commission (SEC) as an investment advisor. Content provided does not constitute investment advice as defined under the Investment Advisers Act of 1940 or state securities laws.

2. PAPER PORTFOLIO DISCLOSURE {#paper-portfolio-disclosure}

Simulated Portfolio

The “$2.5 Million Paper Fund” referenced on this website and in all EverLife Capital content is a simulated portfolio used for educational and research purposes only.

Key Facts:

It does NOT represent actual investments
It does NOT represent real trading or investment performance
NO money is actually invested in any securities
It is a research tool to demonstrate application of the 14 Gates evaluation framework
It is for educational tracking and analysis purposes only

Not Actual Performance

Past performance, whether actual or simulated, is not indicative of future results.

Simulated performance has inherent limitations, including but not limited to:

No actual trading is conducted
Simulated results do not represent actual trading
Simulated trading programs are generally designed with the benefit of hindsight
No representation is made that any account will or is likely to achieve similar results
Results shown do not account for transaction costs, slippage, or market impact
Tax implications are not considered in simulated performance

Hypothetical Nature

All performance data related to the paper portfolio is hypothetical and for illustrative purposes only. No actual money has been invested using the strategies described.

3. NO PROFESSIONAL RELATIONSHIP

No Advisory Relationship

Nothing on this website creates an investment advisor-client, broker-dealer, attorney-client, accountant-client, or any other professional advisory relationship between you and EverLife Capital, Eric [Last Name], or any affiliates.

No Licensing

The operator of EverLife Capital is not a:

Licensed investment advisor (state or federal)
Registered broker-dealer or registered representative
Certified Financial Planner (CFP)
Chartered Financial Analyst (CFA)
Certified Public Accountant (CPA) or tax professional
Attorney or licensed legal professional
Medical doctor or licensed healthcare professional

No Fiduciary Duty

No fiduciary duty or obligation exists between EverLife Capital and any user of this website or subscriber to the newsletter.

4. RISK DISCLOSURE

General Investment Risks

ALL INVESTMENTS IN SECURITIES INVOLVE RISK, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL.

Before investing, you should carefully consider:

Your financial situation and ability to bear investment losses
Your investment objectives and time horizon
Your risk tolerance
The suitability of any investment for your particular circumstances

Biotech and Pharmaceutical Risks

Biotech and pharmaceutical investments carry particularly high risks, including:

Clinical Trial Risks:

Clinical trials may fail at any stage (preclinical, Phase 1, 2, or 3)
Trial results may not support regulatory approval
Adverse safety events may halt development
Enrollment challenges may delay or prevent completion

Regulatory Risks:

FDA or other regulatory agencies may reject applications
Approvals may be delayed indefinitely
Post-approval requirements may be burdensome
Regulatory standards may change

Intellectual Property Risks:

Patents may expire, reducing competitive advantage
Patent challenges may succeed
IP infringement claims may arise
Trade secrets may be compromised

Financial Risks:

Companies may run out of cash (“burn rate” risk)
Additional financing may be dilutive to existing shareholders
Companies may go bankrupt
Total loss of invested capital is possible

Market Risks:

High volatility in biotech sector
Liquidity risk (inability to sell positions quickly)
Market sentiment shifts can cause rapid price changes
Sector-wide selloffs can affect all holdings

Early-Stage Company Risks:

Pre-revenue companies have no product sales
Limited or no operating history
Unproven business models
Management teams may lack experience
Higher probability of failure

Longevity Biotech Specific Risks:

Unproven mechanisms of action
Extremely long development timelines (10+ years)
Uncertain regulatory pathways for “aging” as indication
Limited precedent for successful companies
Speculative nature of life extension claims

Concentrated Position Risk

Any portfolio concentrated in a single sector (such as longevity biotech) carries additional risk compared to a diversified portfolio.

Suitability Warning

Biotech investments may not be suitable for all investors. You should only invest what you can afford to lose entirely.

5. NO GUARANTEES OR WARRANTIES

Information Accuracy

EverLife Capital makes no representations or warranties regarding:

The accuracy, completeness, or timeliness of any information
The reliability of data sources
Freedom from errors or omissions
Investment performance or outcomes
Company evaluations or analyses
The 14 Gates framework’s effectiveness or predictive value

“As Is” Basis

All information is provided “as is” without warranty of any kind, express or implied.

We disclaim all warranties, including but not limited to:

Warranties of merchantability
Warranties of fitness for a particular purpose
Warranties of non-infringement
Any warranties arising from course of dealing or usage of trade

No Guarantee of Results

We make no guarantee that:

Companies evaluated will succeed
Investment strategies discussed will be profitable
Analysis provided will be accurate or complete
Future performance will match historical or simulated results

6. FORWARD-LOOKING STATEMENTS

Nature of Forward-Looking Statements

This website may contain forward-looking statements regarding:

Company prospects and potential outcomes
Drug development timelines and probabilities
Clinical trial expectations
Regulatory approval predictions
Market opportunities and sizing
Lifespan extension possibilities
Technology development timelines
Investment return expectations

Risks and Uncertainties

Forward-looking statements involve known and unknown risks, uncertainties, and assumptions that may cause actual results to differ materially from projections, including:

Regulatory actions and decisions
Clinical trial outcomes
Competitive developments
Market conditions
Technological changes
Macroeconomic factors
Unforeseen events

Do Not Rely

Do not rely on forward-looking statements as predictions of future events. They represent only opinions and estimates at the time made and are subject to change without notice.

Safe Harbor

To the extent permitted by law, EverLife Capital claims the protection of safe harbor provisions for forward-looking statements under applicable securities laws.

7. THIRD-PARTY INFORMATION

Sources

EverLife Capital relies on publicly available information from various sources, including:

Company press releases and investor presentations
SEC filings (10-K, 10-Q, 8-K, S-1, etc.)
Regulatory databases (FDA, EMA, ClinicalTrials.gov)
Scientific publications and preprints
News sources and media reports
Industry research and analyst reports
Conference presentations

No Verification Guarantee

We cannot independently verify all third-party information and are not responsible for:

Errors or omissions in source materials
Misleading statements by companies
Inaccurate media reporting
Outdated information
Changes that occur after publication

Independent Research Required

Users should conduct independent research and verify information from multiple sources before relying on any content.

8. COMPANY MENTIONS & CONFLICTS OF INTEREST

Educational Purpose Only

Companies mentioned on this website are discussed for educational and informational purposes only. Mention of a company does NOT constitute:

A recommendation to buy, sell, or hold securities
An endorsement of the company or its management
Investment advice
A prediction of future performance
A guarantee of any outcome

Personal Investment Positions

IMPORTANT CONFLICT OF INTEREST DISCLOSURE:

Eric [Last Name] and EverLife Capital may hold positions (long or short) in securities discussed on this website or in the newsletter. This includes:

Direct equity ownership
Options positions
Short positions
Positions held in retirement accounts
Positions held by family members

Trading Activity

Positions may be:

Added at any time without notice
Eliminated at any time without notice
Changed in size without notice
Established before, during, or after publication of content mentioning the security

We are under no obligation to disclose trading activity or current positions.

Material Conflicts

These potential ownership positions create material conflicts of interest because:

Published content may affect stock prices
The author benefits financially from price movements
The author may be biased toward positive coverage of holdings
The author may trade based on research before publication
Followers may trade based on published content

No Front-Running Protection

There is no guarantee that the author will not trade before, during, or after content publication. Users should assume positions may change at any time.

Company Relationships

EverLife Capital may have relationships with companies discussed, including but not limited to:

Receipt of information or briefings
Attendance at company events
Communication with management or investor relations
Receipt of promotional materials

None of these relationships constitute compensation or endorsement unless explicitly disclosed.

9. NOT MEDICAL ADVICE

Healthcare Disclaimer

Discussion of longevity treatments, drugs, therapies, clinical trials, health interventions, supplements, or medical procedures is for informational purposes only and does NOT constitute:

Medical advice
Healthcare recommendations
Treatment recommendations
Diagnosis of any condition
Prescription of any therapy

Consult Healthcare Professionals

ALWAYS CONSULT QUALIFIED HEALTHCARE PROFESSIONALS before making any health-related decisions, including:

Starting or stopping any medication
Beginning any supplement regimen
Participating in clinical trials
Changing your diet or exercise routine
Seeking treatment for any condition

Do Not Delay Medical Care

Do not delay seeking medical care or ignore professional medical advice because of information on this website.

No Doctor-Patient Relationship

No doctor-patient or healthcare provider-patient relationship is created by use of this website or consumption of any content.

Clinical Trial Participation

Information about clinical trials is for educational purposes only. Participation in any clinical trial should only occur:

After consultation with your physician
After careful review of informed consent documents
After consideration of all risks and benefits
Through proper medical channels

Experimental Treatments

Many treatments discussed are experimental, unapproved, or highly speculative. They may:

Not work as described
Have unknown side effects
Cause serious harm
Not be available outside clinical trials
Never receive regulatory approval

10. SOCIAL MEDIA & FTC COMPLIANCE

Federal Trade Commission (FTC) Endorsement Disclosures

EverLife Capital complies with FTC Guidelines Concerning the Use of Endorsements and Testimonials in Advertising (16 CFR Part 255, updated 2023).

Material Connections

Required Disclosures:

When EverLife Capital has a material connection with any product, service, or company mentioned in social media content (Instagram, TikTok, YouTube, Facebook, Twitter/X, LinkedIn, etc.), we will clearly and conspicuously disclose that relationship.

A “material connection” includes:

Monetary compensation for mentions or endorsements
Free products or services received
Discounted products or services
Affiliate relationships (see Section 11)
Equity ownership in companies mentioned
Business partnerships or relationships
Family or personal relationships with companies or individuals
Any other relationship that might affect the credibility of endorsements

Disclosure Standards

All disclosures will be:

Clear and conspicuous – Easy to understand and notice
Unavoidable – Visible without clicking “more” or additional links
Prominent – Placed where viewers/readers will see them (not buried in hashtags)
Timely – Made at the time of endorsement, not later
Platform-appropriate – Adapted for each social media format

Social Media Specific Requirements

Video Content (Instagram Reels, TikTok, YouTube Shorts):

Verbal disclosure in audio AND/OR
Visual text disclosure on screen
Disclosures repeated periodically in longer videos
Disclosures in both video and video description

Static Posts (Instagram, Facebook, Twitter/X):

Disclosure in post caption, visible without “more” click
Clear language like “#ad”, “#sponsored”, “#partner”, or “Paid partnership with [Brand]”
Not mixed into large groups of hashtags
Disclosure in image overlay when applicable

Stories (Instagram, Facebook):

Disclosure superimposed over image/video
Readable for sufficient time (minimum 3 seconds)
Clear language explaining relationship

Live Streams:

Disclosures repeated periodically throughout stream
Verbal disclosures preferred
On-screen text disclosures as backup

Platform Disclosure Tools

While we may use platform-specific disclosure tools (Instagram’s “Paid Partnership” tag, YouTube’s “Includes paid promotion” checkbox, etc.), we do not rely solely on these tools. We provide additional clear disclosures in content itself.

Honest Opinions Only

All endorsements and product discussions reflect honest opinions based on actual experience. We do not:

Endorse products we haven’t used or researched
Make false or misleading claims about products
Claim benefits without adequate substantiation
Give positive reviews for compensation when opinions are actually negative

Newsletter Endorsements

When the EverLife Capital newsletter mentions products, services, or companies with which we have material connections, disclosures appear clearly in the content.

11. AFFILIATE RELATIONSHIPS & COMPENSATION

Affiliate Disclosure

EverLife Capital may earn commissions or compensation from affiliate links, referrals, or partnerships. This includes but is not limited to:

Financial Services:

Brokerage account referrals
Investment platform referrals
Financial advisory service referrals

Information Services:

Subscription services (research, data, analytics)
Educational courses or programs
Books or publications

Products and Services:

Health and longevity products
Software tools
Laboratory testing services

Clear Disclosure

All affiliate relationships will be clearly disclosed:

At the point of the recommendation
In a manner compliant with FTC guidelines
With clear language (e.g., “I earn a commission if you use this link”)

No Obligation

You are never obligated to use affiliate links. You may always:

Navigate directly to companies’ websites
Use alternative links or sources
Negotiate your own terms
Decline to purchase

Effect on Content

While we may receive compensation from affiliate relationships, this does NOT affect:

The objectivity of our analysis
Our commitment to honest assessments
Our disclosure of risks and drawbacks
Our comparison of alternatives

We strive to maintain editorial independence even when affiliate relationships exist.

Tracking

Affiliate links may contain tracking codes to attribute referrals. These do not affect the price you pay or services you receive.

12. INTELLECTUAL PROPERTY

Copyright

All content on https://everlifecapital.com, including but not limited to text, graphics, logos, images, videos, audio, software, and compilations, is the property of EverLife Capital or its content suppliers and is protected by U.S. and international copyright laws.

Trademarks

“EverLife Capital,” the EverLife Capital logo, “14 Gates,” and other marks used on this website are trademarks or service marks of EverLife Capital. You may not use these marks without prior written permission.

Fair Use

You may:

Link to our content
Quote brief excerpts with proper attribution
Share our content on social media using platform share functions
Use content for personal, non-commercial purposes

You may NOT:

Republish substantial portions of content without permission
Remove copyright notices or attributions
Use content for commercial purposes without permission
Modify or create derivative works without permission
Scrape, harvest, or systematically collect content
Use content in a manner that implies endorsement

DMCA Compliance

We respect intellectual property rights of others. If you believe your copyrighted work has been infringed, please contact us with:

Identification of the copyrighted work
Identification of the allegedly infringing material
Your contact information
A statement of good faith belief
A statement under penalty of perjury
Your physical or electronic signature

User-Generated Content

By submitting comments, questions, or other content to EverLife Capital:

You grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and display such content
You represent that you own or have rights to the content
You agree content does not violate any third-party rights

13. PRIVACY POLICY

Information We Collect

Information You Provide:

Email addresses (newsletter subscriptions)
Names (if provided in forms)
Comments or communications you send
Survey responses
Social media interactions

Automatically Collected Information:

IP addresses
Browser type and version
Device information
Pages visited and time spent
Referring websites
Click-through data
Cookies and similar technologies

How We Use Information

We use collected information to:

Deliver newsletter content
Improve website functionality
Analyze traffic and user behavior
Respond to inquiries
Send relevant updates (with consent)
Comply with legal obligations
Protect against fraud or abuse

Third-Party Services

We use third-party services that may collect information, including:

Newsletter Platform:

Substack (see Substack Privacy Policy)

Analytics:

Google Analytics or similar services
Provides aggregated, anonymized traffic data

Social Media:

Instagram, TikTok, YouTube, Facebook, Twitter/X
When you interact with our social content, those platforms collect data per their policies

Email Service Providers:

May track email opens, clicks, and engagement

Cookies

We use cookies and similar technologies for:

Essential site functionality
Analytics and performance measurement
Personalization
Advertising (if applicable)

You can control cookies through browser settings, though some site features may not function properly if cookies are disabled.

Data Security

We implement reasonable security measures to protect your information, including:

Encryption of data in transit (HTTPS)
Secure data storage
Limited access to personal information
Regular security reviews

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

Data Retention

We retain information for as long as necessary to:

Fulfill purposes for which it was collected
Comply with legal obligations
Resolve disputes
Enforce agreements

Newsletter subscribers may unsubscribe at any time using links in emails.

Your Rights

Depending on your location, you may have rights to:

Access your personal information
Correct inaccurate information
Request deletion of information
Object to processing
Withdraw consent
Data portability

To exercise rights, contact us at https://www.linkedin.com/company/106017900/admin/dashboard/

Children’s Privacy

This website is not directed to children under 13. We do not knowingly collect information from children under 13. If you believe we have collected such information, contact us immediately.

California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA):

Right to know what personal information is collected
Right to know if personal information is sold or shared
Right to opt-out of sale of personal information
Right to deletion
Right to non-discrimination

We do not sell personal information.

To exercise CCPA rights, contact us at https://www.linkedin.com/company/106017900/admin/dashboard/

European Users (GDPR)

If you are in the European Economic Area, you have rights under the General Data Protection Regulation (GDPR), including:

Right to access
Right to rectification
Right to erasure
Right to restrict processing
Right to data portability
Right to object
Rights related to automated decision-making

Legal basis for processing: Consent, legitimate interests, or compliance with legal obligations.

To exercise GDPR rights, contact us at https://www.linkedin.com/company/106017900/admin/dashboard/

International Data Transfers

If you access our website from outside the United States, your information may be transferred to, stored, and processed in the United States. By using our website, you consent to such transfer.

Changes to Privacy Policy

We may update this Privacy Policy from time to time. Changes become effective upon posting. Continued use constitutes acceptance.

14. USER CONDUCT

Acceptable Use

When using this website, you agree NOT to:

Violate any laws or regulations
Infringe intellectual property rights
Post false, misleading, or defamatory content
Harass, threaten, or abuse others
Transmit viruses or malicious code
Attempt to gain unauthorized access
Interfere with website operations
Scrape or harvest data systematically
Use automated bots (except authorized search engines)
Impersonate others
Engage in fraudulent activity

Comment Policy

If we enable comments or user-generated content:

Comments must be respectful and relevant
No spam, advertising, or self-promotion
No offensive, abusive, or illegal content
We reserve the right to remove any comment
We are not responsible for user-generated content

Termination

We reserve the right to terminate or suspend access to our website for violations of these terms, at our sole discretion, without notice.

15. LIMITATION OF LIABILITY

Maximum Limitation

TO THE FULLEST EXTENT PERMITTED BY LAW, EVERLIFE CAPITAL, ITS OPERATORS, EMPLOYEES, AFFILIATES, AND AGENTS SHALL NOT BE LIABLE FOR ANY:

Direct damages
Indirect damages
Incidental damages
Consequential damages
Special damages
Punitive damages
Loss of profits
Loss of revenue
Loss of data
Loss of goodwill
Investment losses
Trading losses

ARISING FROM OR RELATED TO:

Use or inability to use this website
Reliance on any content or information
Investment decisions made based on content
Errors, omissions, or inaccuracies in content
Unauthorized access to your information
Interruptions or errors in service
Any other matter related to this website

No Liability for Third Parties

We are not liable for:

Actions or omissions of third parties
Content of linked websites
Third-party products or services
Investment losses from securities discussed

Total Liability Cap

If, notwithstanding other provisions, we are found liable, our total aggregate liability shall not exceed $100 (one hundred U.S. dollars).

Essential Purpose

These limitations reflect the allocation of risk between parties. The limitations are fundamental elements of the agreement, and the website would not be provided without such limitations.

Jurisdictional Limitations

Some jurisdictions do not allow limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

16. INDEMNIFICATION

Your Agreement to Indemnify

You agree to indemnify, defend, and hold harmless EverLife Capital, its operators, employees, affiliates, agents, and licensors from and against any and all claims, damages, losses, costs, expenses (including reasonable attorneys’ fees), and liabilities arising from or related to:

Your use of this website
Your violation of these Terms
Your violation of any law or regulation
Your violation of any third-party rights
Any investment decisions you make
Any content you post or submit
Your negligent or wrongful conduct

Defense Obligation

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense.

17. JURISDICTIONAL LIMITATIONS

United States Focus

This website is operated from the United States and intended primarily for U.S. audiences. Content may not comply with laws in other jurisdictions.

International Access

If you access this website from outside the United States:

You do so at your own risk
You are responsible for compliance with local laws
Some content may not be applicable to you
Some securities discussed may not be available in your jurisdiction

No Offer Outside U.S.

Nothing on this website constitutes an offer to sell or solicitation to buy securities in any jurisdiction where such offer or solicitation would be unlawful.

Export Controls

You agree to comply with all export and re-export restrictions and regulations of the United States and other countries.

18. STATE-SPECIFIC DISCLOSURES

California Residents

Shine the Light Law: California residents may request information about disclosure of personal information to third parties for their marketing purposes (we do not make such disclosures).

CCPA Rights: See Privacy Policy section above for California Consumer Privacy Act rights.

Automatic Renewal Law: If we offer subscriptions with automatic renewal, we will clearly disclose terms, cancellation procedures, and renewal terms.

Nevada Residents

Nevada residents have the right to opt out of the sale of personal information. We do not sell personal information. To exercise rights: https://www.linkedin.com/company/106017900/admin/dashboard/

Virginia, Colorado, Connecticut, Utah Residents

If you are a resident of Virginia, Colorado, Connecticut, or Utah, you have rights under state privacy laws similar to CCPA. Contact us to exercise these rights.

New York Residents

If we were to register as an investment advisor in New York, we would be subject to regulations of the New York State Department of Financial Services. We are not registered in New York.

State Investment Advisor Registration

EverLife Capital is not registered as an investment advisor in any state. We do not provide personalized investment advice and operate solely for educational purposes.

19. CHANGES TO TERMS

Right to Modify

EverLife Capital reserves the right to modify these Terms of Service, Privacy Policy, and Legal Disclaimers at any time.

Notice of Changes

Changes become effective immediately upon posting to this website. We will update the “Last Updated” date at the top of this page.

Your Continued Use

Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

Material Changes

For material changes that significantly affect your rights, we may provide additional notice (such as email notification to newsletter subscribers), though we are not obligated to do so.

Review Regularly

You are responsible for reviewing these terms periodically. We recommend checking this page regularly for updates.

20. CONTACT INFORMATION

Questions or Concerns

For questions, concerns, or requests regarding these Terms, Privacy Policy, or Legal Disclaimers:

Contact: https://www.linkedin.com/company/106017900/admin/dashboard/
Website: https://everlifecapital.com
Newsletter: https://everlifecapital.substack.com

Specific Inquiries

Privacy Requests: https://www.linkedin.com/company/106017900/admin/dashboard/
Copyright/DMCA Notices: https://www.linkedin.com/company/106017900/admin/dashboard/
General Inquiries: https://www.linkedin.com/company/106017900/admin/dashboard/

Response Time

We will make reasonable efforts to respond to inquiries within 5-10 business days, though we cannot guarantee response times.

ADDITIONAL LEGAL PROVISIONS

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Waiver

Our failure to enforce any provision shall not constitute a waiver of that provision or our right to enforce it in the future.

Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and EverLife Capital regarding use of this website.

Assignment

You may not assign these Terms without our written consent. We may assign these Terms at any time without notice.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], United States, without regard to conflict of law principles.

Dispute Resolution

Informal Resolution: Before filing any legal action, you agree to attempt informal resolution by contacting us.

Arbitration: Any disputes not resolved informally shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in [Your State/County].

Class Action Waiver: You agree to bring claims only in your individual capacity and not as a class member in any class action.

Jurisdiction: If arbitration is inapplicable, exclusive jurisdiction shall be in the state and federal courts located in [Your County, State].

Attorneys’ Fees

In any dispute, the prevailing party may be entitled to recover reasonable attorneys’ fees and costs.

ACKNOWLEDGMENT AND ACCEPTANCE

BY USING THIS WEBSITE, SUBSCRIBING TO THE NEWSLETTER, OR CONSUMING ANY EVERLIFE CAPITAL CONTENT, YOU ACKNOWLEDGE THAT:

You have read, understood, and agree to be bound by these Terms of Service, Privacy Policy, and Legal Disclaimers
You understand this website provides educational content only, not investment, financial, or medical advice
You understand the paper portfolio is simulated and does not represent actual trading
You understand all investments carry risk, including total loss of capital
You will conduct your own due diligence and consult appropriate professionals before making any decisions
You understand potential conflicts of interest exist and accept them
You will not hold EverLife Capital liable for any losses or damages
You consent to collection and use of information as described in the Privacy Policy
You agree to comply with all applicable laws and these Terms

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS WEBSITE OR CONSUME ANY EVERLIFE CAPITAL CONTENT.