Terms of service

Effective Date: June 26, 2026

OVERVIEW

Welcome to Overheard on Wall Street.

Overheard on Wall Street is owned and operated by Wall Street 360 LLC ("Overheard on Wall Street," "we," "us," or "our"). We operate this website and provide related products and services, including newsletters, memberships, subscriptions, digital content, events, community access, merchandise, and other online services (collectively, the "Services"). Our website is powered by Shopify, which enables us to provide certain Services.

These Terms of Service ("Terms") govern your access to and use of the Services. Please read them carefully, as they affect your legal rights and include important information regarding warranties, liability, dispute resolution, and other legal matters.

By visiting, accessing, purchasing from, or otherwise using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms or our Privacy Policy, you should not use the Services.

 

 

SECTION 1 – ACCESS AND ACCOUNT

By using our Services, you represent that you are at least the age of majority in your jurisdiction or that you have obtained all necessary legal consent to use the Services.

Certain portions of our Services may require you to create an account. When creating an account, you agree to provide accurate, current, and complete information and to keep that information updated.

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You may not transfer, sell, or assign your account without our prior written consent.

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe compromise the security or integrity of our Services.

 

 

SECTION 2 – OUR SERVICES

We provide digital products and services including, but not limited to:

  • Newsletters

  • Memberships

  • Community access

  • Digital reports

  • Educational content

  • Event registrations

  • Merchandise

  • Other products and services offered through our website

We strive to accurately describe all products and services. However, we do not guarantee that descriptions, pricing, images, availability, or other content are complete, current, or error-free.

We reserve the right to modify, discontinue, or limit any Service at any time without prior notice.

 

 

SECTION 3 – ORDERS AND PURCHASES

When you place an order through our website, you are making an offer to purchase the applicable product or service.

We reserve the right to accept, reject, limit, or cancel any order at our sole discretion, including where fraud, pricing errors, technical issues, or legal requirements exist.

Payment must be successfully processed before your order is accepted.

Unless otherwise expressly stated, purchases of digital products, memberships, subscriptions, event registrations, and similar Services are non-refundable except where required by applicable law.

You agree that all purchases are made for your own personal or internal business use and not for resale.

 

 

SECTION 4 – PRICING AND PAYMENT

Prices may change at any time without notice.

The price displayed at checkout is the price that applies to your purchase.

You agree to provide accurate billing and payment information and authorize us and our payment processors to charge your selected payment method for all purchases, taxes, and applicable fees.

Failure to successfully process payment may result in cancellation or suspension of your access to the applicable Services.

Subscriptions may automatically renew unless cancelled before the applicable renewal date. Renewal terms, pricing, and cancellation procedures will be disclosed at the time of purchase.

 

 

SECTION 5 – DIGITAL DELIVERY

Most of our Services consist of digital products, memberships, subscriptions, newsletters, event registrations, or online content delivered electronically.

Access is generally provided immediately or within a reasonable period following successful payment.

While we strive to ensure uninterrupted availability, temporary delays may occur due to maintenance, technical issues, payment verification, or events beyond our reasonable control.

If we offer physical merchandise, estimated shipping times are provided for convenience only and are not guaranteed.

 

 

SECTION 6 – INTELLECTUAL PROPERTY

All content made available through the Services—including text, articles, reports, newsletters, graphics, logos, trademarks, videos, images, software, code, designs, databases, and other materials—is owned by or licensed to Overheard on Wall Street and/or Wall Street 360 LLC and is protected by United States and international intellectual property laws.

Except as expressly permitted, you may not:

  • reproduce;

  • copy;

  • distribute;

  • modify;

  • publish;

  • display;

  • create derivative works from;

  • sell;

  • license; or

  • commercially exploit

any portion of the Services without our prior written consent.

Nothing contained within these Terms grants you any ownership or intellectual property rights in the Services.

All rights not expressly granted are reserved.

 

 

SECTION 7 – OPTIONAL TOOLS

We may provide access to third-party tools or services that we neither own nor control.

Such tools are provided solely as a convenience and are made available "as is" and "as available" without warranties or endorsements of any kind.

Your use of any third-party tools is entirely at your own risk and subject to the terms and policies of the applicable third-party provider.

We may introduce new Services, features, or functionality in the future, all of which will also be governed by these Terms.

 

 

SECTION 8 – THIRD-PARTY LINKS

Our Services may contain links to third-party websites, platforms, products, or services.

We do not control, endorse, or assume responsibility for the content, privacy practices, accuracy, or availability of third-party websites.

Your interactions with third-party websites are governed solely by the terms and privacy policies of those third parties.

We shall not be responsible or liable for any damages arising from your use of third-party websites or services.

SECTION 9 – RELATIONSHIP WITH SHOPIFY

Our website is powered by Shopify, which provides the ecommerce platform that enables us to offer certain Services.

However, all purchases, subscriptions, memberships, event registrations, and other transactions are made directly with Overheard on Wall Street, which is owned and operated by Wall Street 360 LLC.

To the fullest extent permitted by law, Shopify is not responsible for the products, services, content, or transactions between you and Overheard on Wall Street. You agree that Shopify shall have no liability arising from your use of our Services or any purchases made through our website.

 

 

SECTION 10 – PRIVACY

Your use of the Services is also governed by our Privacy Policy, which describes how we collect, use, disclose, and protect your personal information.

By using our Services, you acknowledge that you have read and understand our Privacy Policy.

Because portions of our Services are hosted on Shopify, certain information may also be collected and processed by Shopify in accordance with Shopify's Privacy Policy.

 

 

SECTION 11 – FEEDBACK

If you submit suggestions, ideas, comments, testimonials, reviews, proposals, feature requests, or other feedback ("Feedback"), you grant Overheard on Wall Street and Wall Street 360 LLC a perpetual, worldwide, irrevocable, royalty-free, sublicensable license to use, modify, reproduce, publish, distribute, display, and otherwise exploit such Feedback for any lawful purpose without compensation to you.

You represent that:

  • you own or have permission to submit the Feedback;

  • your Feedback does not infringe any third-party rights;

  • your Feedback is truthful and not misleading; and

  • your Feedback complies with applicable laws.

We are under no obligation to maintain Feedback in confidence, compensate you, or respond to any submission.

 

 

SECTION 12 – ERRORS, INACCURACIES, AND OMISSIONS

Occasionally there may be typographical errors, pricing errors, inaccuracies, or omissions relating to descriptions, pricing, promotions, availability, or other information.

We reserve the right to correct any such errors at any time without prior notice, including after an order has been submitted.

We also reserve the right to cancel or refuse orders that are affected by such errors.

 

 

SECTION 13 – ACCEPTABLE USE

You agree not to use the Services:

  • for any unlawful purpose;

  • to violate any applicable law or regulation;

  • to infringe the intellectual property rights of others;

  • to distribute malware, viruses, or malicious code;

  • to attempt unauthorized access to our systems;

  • to interfere with the operation or security of the Services;

  • to scrape, harvest, or collect data from the Services without authorization;

  • to impersonate another individual or entity;

  • to send spam or unsolicited communications;

  • to engage in fraudulent or deceptive conduct; or

  • in any manner that could damage, disable, overburden, or impair our Services.

We reserve the right to suspend or terminate access to the Services at any time if we believe you have violated these Terms.

 

 

SECTION 14 – TERMINATION

We may suspend or terminate your access to all or part of the Services at any time, with or without notice, for any reason, including if we reasonably believe you have violated these Terms.

Termination does not affect any obligations or liabilities incurred prior to termination.

The provisions relating to intellectual property, limitations of liability, disclaimers, indemnification, governing law, dispute resolution, and any other provisions that by their nature should survive termination shall remain in effect after termination.

 

 

SECTION 15 – DISCLAIMER OF WARRANTIES

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OVERHEARD ON WALL STREET, WALL STREET 360 LLC, AND THEIR AFFILIATES DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND QUIET ENJOYMENT.

WE DO NOT GUARANTEE THAT:

  • THE SERVICES WILL OPERATE WITHOUT INTERRUPTION;

  • THE SERVICES WILL BE ERROR-FREE;

  • ANY DEFECTS WILL BE CORRECTED;

  • THE SERVICES WILL ALWAYS BE AVAILABLE;

  • THE INFORMATION PROVIDED THROUGH THE SERVICES IS COMPLETE, ACCURATE, OR CURRENT.

ANY RELIANCE ON INFORMATION PROVIDED THROUGH OUR SERVICES IS AT YOUR OWN RISK.

 

 

SECTION 16 – LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OVERHEARD ON WALL STREET, WALL STREET 360 LLC, THEIR OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, SPECIAL, OR PUNITIVE DAMAGES.

THIS INCLUDES, WITHOUT LIMITATION:

  • LOST PROFITS;

  • LOST REVENUE;

  • LOST BUSINESS;

  • LOSS OF DATA;

  • BUSINESS INTERRUPTION;

  • LOSS OF GOODWILL;

  • COST OF SUBSTITUTE SERVICES; OR

  • ANY OTHER INDIRECT OR CONSEQUENTIAL DAMAGES,

WHETHER ARISING IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES SHALL NOT EXCEED THE GREATER OF:

(A) THE AMOUNT YOU PAID TO US DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR

(B) ONE HUNDRED U.S. DOLLARS (US $100).

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY. IN THOSE JURISDICTIONS, THESE LIMITATIONS SHALL APPLY ONLY TO THE EXTENT PERMITTED BY LAW.

SECTION 17 – INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Overheard on Wall Street, Wall Street 360 LLC, and their respective owners, officers, directors, employees, contractors, affiliates, licensors, service providers, successors, and assigns from and against any claims, demands, actions, liabilities, damages, judgments, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

  • your use of the Services;

  • your violation of these Terms;

  • your violation of any applicable law or regulation;

  • your infringement of any third-party rights, including intellectual property or privacy rights; or

  • any content or information you submit through the Services.

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense of such claims.

 

 

SECTION 18 – SEVERABILITY

If any provision of these Terms is determined by a court of competent jurisdiction to be invalid, unlawful, or unenforceable, that provision shall be enforced to the fullest extent permitted by law, and the remaining provisions shall remain in full force and effect.

 

 

SECTION 19 – WAIVER; ENTIRE AGREEMENT

No waiver by Overheard on Wall Street or Wall Street 360 LLC of any provision of these Terms shall be deemed a continuing waiver of that provision or any other provision.

These Terms, together with our Privacy Policy and any policies or notices incorporated by reference, constitute the entire agreement between you and Overheard on Wall Street regarding your use of the Services and supersede all prior agreements, understandings, and communications relating to the subject matter herein.

 

 

SECTION 20 – ASSIGNMENT

You may not assign, transfer, sublicense, or otherwise delegate your rights or obligations under these Terms without our prior written consent.

We may assign or transfer our rights and obligations under these Terms at any time without restriction, including in connection with a merger, acquisition, corporate restructuring, sale of assets, or operation of law.

 

 

SECTION 21 – GOVERNING LAW

These Terms and any dispute arising out of or relating to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law principles.

Any legal action or proceeding relating to these Terms shall be brought exclusively in the state or federal courts located in King County, Washington, and each party irrevocably consents to the personal jurisdiction and venue of those courts.

 

 

SECTION 22 – HEADINGS

The section headings contained in these Terms are provided solely for convenience and shall not affect the interpretation of any provision.

 

 

SECTION 23 – CHANGES TO THESE TERMS

We reserve the right to modify or update these Terms at any time in our sole discretion.

When material changes are made, we will update the "Effective Date" at the top of these Terms and, where required by applicable law, provide additional notice.

Your continued use of the Services after revised Terms become effective constitutes your acceptance of the updated Terms.

If you do not agree to the revised Terms, you must discontinue your use of the Services.

 

 

SECTION 24 – CONTACT INFORMATION

If you have any questions regarding these Terms of Service, please contact us:

Overheard on Wall Street
 Owned and operated by Wall Street 360 LLC

108 5th Ave South, Apt 518
 Seattle, WA 98104
 United States

Email: overheardwallstreet@gmail.com

 

 

© 2026 Overheard on Wall Street. All rights reserved.
 Owned and operated by Wall Street 360 LLC.