3. Billing, Renewals, and Cancellations

3.1 Automatic Annual Renewal

Insider subscriptions are annual subscriptions that automatically renew each year on or about your renewal date, at the then-current annual rate, unless you cancel before the renewal date.

By signing up for Insider, you authorize us (via Stripe) to:

  • Automatically charge your payment method for the then-current annual subscription fee (plus any applicable taxes) at each renewal; and
  • Continue to do so each year until you cancel.

3.2 Price Changes

We may change subscription prices in the future. If we do:

  • We will provide notice (e.g., via email, in the newsletter, or on the site) before the new price applies to your next renewal; and
  • The new price will apply starting with your next renewal, not your current paid period.


If you do not agree to a price change, you must cancel your subscription before your renewal date. Continued use of the subscription after the price change takes effect constitutes your agreement to the new price.

3.3 Cancellations

You may cancel your Insider subscription at any time, typically through:

  • Your account or subscription management page (where available); or
  • Contacting us at [email protected] with sufficient information to locate your subscription.


Unless otherwise stated:

  • Cancellations take effect at the end of your current annual billing period; and
  • You will continue to have Insider access until that period ends.


No further annual renewal charges will be made after a timely cancellation.

3.4 Refunds

Except where required by law or otherwise stated at the time of purchase:

  • All Insider subscription fees are non-refundable, including for:
  • Partial years of service;
  • Unused content or benefits; or
  • Cancellations made before the end of a billing period.


We reserve the right to consider refund requests on a discretionary, case-by-case basis, but we are not obligated to provide refunds or credits.

4. Content and Intellectual Property

4.1 Our Content

All content on the site, including but not limited to text, articles, newsletters, graphics, images, logos, and the overall design and "look and feel" (collectively, the "Content") is owned by or licensed to The Tequila Report and is protected by copyright, trademark, and other intellectual property laws.

Except as expressly permitted in these Terms or by us in writing, you may not:

  • Reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any Content;
  • Use any Content for commercial purposes without our prior written consent.


We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the site and Content for your personal, non-commercial use only, subject to these Terms.

4.2 User Content

You may be able to submit or post content (e.g., comments, messages, feedback) ("User Content"). By submitting User Content, you:

  • Represent and warrant that you have the right to do so and that your User Content does not violate any law or the rights of any third party;
  • Grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, distribute, display, and perform your User Content in connection with operating and promoting the site and our services.


We reserve the right (but have no obligation) to review, monitor, remove, or edit User Content at our sole discretion.

5. Prohibited Uses

You agree not to use the site or services:

  1. In any way that violates any applicable law or regulation.
  2. To send, knowingly receive, upload, download, use, or re-use any material that is unlawful, harmful, fraudulent, defamatory, obscene, harassing, discriminatory, or otherwise objectionable, or that infringes any intellectual property, privacy, or other rights of any person.
  3. To transmit or procure the sending of any unauthorized advertising, promotional materials, "junk mail," "spam," or other similar solicitations.
  4. To impersonate or attempt to impersonate any person or entity, including The Tequila Report, or misrepresent your affiliation with any person or entity.
  5. To engage in any conduct that restricts or inhibits anyone's use of the site or which, as determined by us, may harm The Tequila Report or users of the site.
  6. To introduce viruses, malware, or other harmful code, or to attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the site, our servers, or any connected systems.


We may suspend or terminate your access if we believe you are engaging in any prohibited use.

6. Informational and Entertainment Purposes Only (No Professional Advice)

The Content and services provided by The Tequila Report are for informational and entertainment purposes only.

  • We do not provide professional, legal, financial, investment, medical, or other regulated professional advice.
  • You should not rely on any Content as a substitute for professional advice tailored to your situation.
  • You are solely responsible for any decisions you make based on the Content or services.


If you have questions requiring professional advice, you should consult an appropriate professional.

7. Third-Party Services and Links

The site may contain links to third-party websites, services, or resources (including payment processors, analytics providers, advertisers, social media platforms, or other content). These are provided for your convenience only.

  • We do not control and are not responsible for third-party sites or services.
  • Your use of third-party sites and services is at your own risk and subject to their own terms and policies.


We may also integrate third-party tools or widgets. Your interactions with those tools may allow those third parties to collect or receive data about you; refer to their privacy policies for details.

8. Disclaimer of Warranties

YOUR USE OF THE SITE, CONTENT, AND SERVICES IS AT YOUR OWN RISK. THE SITE AND ALL CONTENT AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT;
  • ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE;
  • ANY WARRANTIES THAT THE SITE OR SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED;
  • ANY WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY CONTENT.


SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE TEQUILA REPORT, URSUS 10, LLC, ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES.

ARISING OUT OF OR IN CONNECTION WITH: your access to or use of, or inability to access or use, the site, content, or services; any conduct or content of any third party; any content obtained from the site; or unauthorized access, use, or alteration of your transmissions or content.

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE OR SERVICES WILL NOT EXCEED THE GREATER OF: (1) THE AMOUNT YOU PAID TO US FOR THE SERVICES IN THE 3 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (2) ONE HUNDRED U.S. DOLLARS (US $100).

SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS OF LIABILITY FOR CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

10. Indemnification

You agree to indemnify, defend, and hold harmless The Tequila Report, Ursus 10, LLC, and our owners, officers, employees, contractors, affiliates, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: your access to or use of the site, Content, or services; your violation of these Terms; or your violation of any rights of another person or entity (including intellectual property or privacy rights).

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense.

11. Termination and Suspension

We may, at our sole discretion, suspend or terminate your access to all or part of the site or services, with or without notice, for any reason, including if we believe you have: violated these Terms; created risk or possible legal exposure for us; or engaged in fraudulent or abusive activity.

Upon termination: your right to use the site and services will immediately cease. Sections that by their nature should survive termination (including ownership provisions, disclaimers, limitations of liability, indemnification, and governing law) will continue to apply.

You may also stop using the site and services at any time. Termination or cancellation does not entitle you to a refund, except as required by law or expressly stated by us.

12. Governing Law and Dispute Resolution

These Terms and any dispute arising out of or relating to them or the site or services will be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law principles.

Subject to any mandatory arbitration or consumer protection laws that may apply, you agree that: any legal action or proceeding arising under these Terms will be brought exclusively in the state or federal courts located in Indiana; and you consent to the personal jurisdiction and venue of such courts.

If you are a consumer and local law requires that disputes be heard in your local courts, these provisions will be modified accordingly to the minimum extent required by law.

13. Changes to These Terms

We may update or modify these Terms from time to time. If we make material changes, we may provide notice by: posting the updated Terms on the site with a new "Last updated" date; sending you an email or newsletter; or displaying a prominent notice on the site.

Your continued use of the site or services after any changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the new Terms, you must stop using the site and services.

14. Miscellaneous

Entire Agreement: These Terms, together with our Privacy Policy and any additional terms presented at the time of purchase, constitute the entire agreement between you and us regarding the site and services.

Severability: If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

No Waiver: Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

Assignment: You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. We may assign these Terms without restriction.

15. Contact Us

If you have any questions about these Terms or the site or services, please contact us at:

Ursus 10, LLC dba The Tequila Report
1410 E Hunter Avenue
Bloomington, Indiana 47401
United States

Email: [email protected]