Terms of Use

1. Who we are and what these terms cover

Mind Club is a set of email briefs and related web pages published by Torpedo Publishing LLC, a California limited liability company, 4653 Carmel Mountain Road, Suite 308 #420, San Diego, CA 92130 ("Torpedo Publishing", "we", "us"). These terms cover the Mind Club pages at punitdhillon.com/mindclub, the briefs we send by email, the PDF editions and the Ask Mind Club form (together, "Mind Club").

2. Agreeing to these terms

You agree to these terms when you join Mind Club by submitting the sign-up form, which shows a link to these terms beside the Join button. If you do not agree, do not subscribe, and unsubscribe if you already have. If you read Mind Club pages without subscribing, these terms are the conditions on which we make those pages available. You must be at least 18 years old to subscribe.

3. What Mind Club is

Every brief is generated by an artificial intelligence system that Torpedo Publishing configures and maintains. While we say so on the Mind Club page, an editor approves each edition for release before it is sent. That approval is not a check of every statement. Editions can contain errors, omissions and information that has gone out of date, and they are not updated after they are sent. The linked primary sources are the authority. Check them before relying on anything in a brief.

Mind Club may be labeled as in test flight. During that period formats, schedules and coverage may change or pause without notice.

4. Not advice

Mind Club is general information for a broad readership. It is published on a regular schedule and is not tailored to you or to any reader. Nothing in Mind Club is investment, legal, tax, accounting or medical advice, or a recommendation to buy, sell or hold any security. Torpedo Publishing is not a registered investment adviser or broker-dealer. Reading Mind Club, subscribing to it or sending us a question does not create an advisory, fiduciary or professional relationship with anyone. Products described in clinical items are investigational unless a brief says otherwise. Do your own research and consult a licensed professional before making any decision.

5. Forecasts and forward-looking statements

Briefs include forecasts, odds and other forward-looking statements, some from companies and analysts and some produced by the AI system. They are opinions about uncertain events. They may not come true, and past scores do not predict future ones.

6. Interests and independence

Mind Club is free and receives no payment from any company it covers. Torpedo Publishing, its owners, editors and contributors, and people connected to them, may hold positions in companies mentioned in a brief and may buy or sell them at any time without notice.

7. The brand name and whose views these are

"Punit Dhillon Mind Club" is a brand name used by Torpedo Publishing. It does not mean that Punit Dhillon personally wrote, checked or published any edition. The analysis, arguments, red team views and forecasts in a brief are produced by the AI system. They do not necessarily reflect the views of Punit Dhillon or of any editor or contributor, and they do not represent the views of any company, board or organization any of them is or has been affiliated with. Mind Club does not cover those organizations and is not based on nonpublic information from any of them. It may cover other companies in the same industries.

8. Your subscription

Subscribing is free. You receive only the briefs you choose, and you can unsubscribe from any of them at any time with the link in every email. We may change, pause or end any brief, or decline or end any subscription, at any time.

9. Ownership and what you may do with a brief

Torpedo Publishing or its licensors own Mind Club, including the briefs, the design and the Mind Club and Punit Dhillon names and marks. Original reporting, filings and papers that a brief summarizes or links to belong to their publishers.

You may read Mind Club for your own use, and you may forward an edition whole and unaltered, with its disclaimer, to people you think would value it. You may quote a short passage with credit to Mind Club and a link. Without our written permission you may not republish, sell or sublicense Mind Club, remove its notices, present it as your own or as advice, or copy it in bulk by automated means.

10. Questions and feedback you send us

If you send a question through Ask Mind Club, reply to a brief or send feedback, you allow us to use, edit and publish it in Mind Club, without payment. We print your first name with an answer only if you tick the box that allows it. We answer questions in general terms for all readers. We do not answer questions about your own holdings, health, legal position or other personal situation, and you should not send confidential information or information you have no right to share. We are not obliged to answer or publish anything you send.

11. Links and other people's content

Briefs summarize and link to original reporting, filings and papers. Those sources remain the authoritative versions. We do not control other sites and are not responsible for them. A link is not an endorsement.

12. No warranty

Mind Club is provided as is and as available, without warranties of any kind, express or implied, including warranties of accuracy, completeness, timeliness, merchantability, fitness for a particular purpose and non-infringement. You use Mind Club at your own risk.

13. Limit of liability

To the fullest extent the law allows, Torpedo Publishing and its owners, members, managers, editors, contributors, licensors and agents (the "Publisher Parties") are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, investments, data or opportunity, arising from Mind Club or from any decision made on the basis of it. The total liability of the Publisher Parties for all claims relating to Mind Club will not exceed US $100.

Nothing in these terms limits liability for fraud, for willful injury to a person or property, for a violation of law, or for anything else that the law does not allow to be limited. Some places do not allow some of these limits, so some of them may not apply to you.

14. Your responsibility for misuse

If you republish Mind Club, present it as your own or as advice, or otherwise use it in breach of section 9, and a third party brings a claim against a Publisher Party because of that, you will cover the reasonable costs and losses that result. This section does not apply to anything caused by our own conduct.

15. Governing law and courts

These terms are governed by the laws of the State of California, without regard to its conflict of laws rules. Any dispute relating to Mind Club will be brought in the state or federal courts located in San Diego County, California, and you and we consent to those courts. If you are a consumer, this section does not take away rights that the law of your home state or country says cannot be waived.

16. Changes to these terms

We may change these terms. When we do, we will post the new terms with a new date and email subscribers a notice before the change takes effect. Changes apply only from their effective date onward. If you do not agree, unsubscribe. Staying subscribed after the effective date means you accept the change.

17. Privacy

Our Privacy policy explains what we collect when you subscribe or send a question and how we use it.

18. General

The Publisher Parties other than Torpedo Publishing may rely on sections 12 to 14 as if they were parties to these terms. If a court finds part of these terms unenforceable, the rest stays in effect. Not enforcing a term is not a waiver of it. These terms, with the Privacy policy and the disclaimer on the Mind Club page, are the whole agreement between you and us about Mind Club. You may not transfer your rights under these terms. We may transfer ours to a successor publisher of Mind Club.

19. Contact

Questions about these terms, corrections and permission requests: pdmc@punitdhillon.com, or Torpedo Publishing LLC, 4653 Carmel Mountain Road, Suite 308 #420, San Diego, CA 92130.