EFFECTIVE JULY 16, 2026

Terms of Use

These Terms govern your use of the Investor Cognition Lab website, email challenge, and related educational content. By using them, you agree to these Terms.

1. About Investor Cognition Lab

Investor Cognition Lab is an educational project operated in Taiwan. You may contact us at ICL@verbatec.com.

2. Education only — not financial advice

All website and email content is provided for general educational and informational purposes only. It is not investment, financial, legal, tax, accounting, or other professional advice; it is not a recommendation or offer to buy, sell, or hold any security or financial product.

Investor Cognition Lab does not assess your objectives, financial situation, risk tolerance, or needs. No advisory, fiduciary, brokerage, client, or professional relationship is created by your use of the content. Consider consulting an appropriately qualified professional before making financial decisions.

3. Investment risk and no guarantees

Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. We do not promise that the content will be complete, accurate, current, suitable for you, or that any exercise, process, or idea will produce a particular result or investment return. You remain solely responsible for your decisions and their consequences.

4. Email subscriptions

By submitting the subscription form, you ask us to send the 7-Day Investor Decision Training Challenge and related service messages to the email address provided. You may unsubscribe at any time through the link included in our emails. Delivery can be affected by third-party email services, spam filters, or technical problems and is not guaranteed.

5. Permitted use

You may use the website and content for personal, non-commercial educational purposes. You must not misuse the service, interfere with its operation or security, attempt unauthorized access, introduce malicious code, scrape it in a way that burdens the service, impersonate another person, or use the content unlawfully.

6. Intellectual property

The website, brand, text, exercises, graphics, and other original materials are owned by or licensed to Investor Cognition Lab and are protected by applicable intellectual property laws. Except for limited personal use, you may not reproduce, republish, sell, distribute, modify, or create derivative works from them without prior written permission.

7. Third-party services and links

The website may use or link to services operated by third parties, including Kit, Google, social media platforms, and hosting providers. We do not control their availability, content, security, or privacy practices. Your use of those services is governed by their own terms and policies.

8. Disclaimers

To the maximum extent permitted by law, the website and content are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of accuracy, reliability, availability, merchantability, fitness for a particular purpose, and non-infringement.

9. Limitation of liability

To the maximum extent permitted by law, Investor Cognition Lab and its operators will not be liable for indirect, incidental, special, consequential, exemplary, or investment-related losses arising from your use of, or inability to use, the website or content. Nothing in these Terms excludes liability that cannot lawfully be excluded.

10. Changes and availability

We may update, suspend, or discontinue any part of the website or email challenge, and may revise these Terms from time to time. Updated Terms take effect when posted with a new effective date. Continued use after an update means you accept the revised Terms.

11. Governing law

These Terms are governed by the laws of Taiwan, without regard to conflict-of-law principles. Any dispute will be subject to the jurisdiction of the competent courts in Taiwan, unless applicable consumer law requires otherwise.

12. Contact

Questions about these Terms may be sent to ICL@verbatec.com.