Terms of Service

1. Publisher Status and Disclaimer

The Convergence Report is published by Conscient Group LLC under the publisher exemption established by the United States Supreme Court in Lowe v. SEC, 472 U.S. 181 (1985). This publication provides impersonal financial commentary published on a regular weekly schedule and available to the general public. Conscient Group LLC is not a registered investment adviser with the Securities and Exchange Commission or any state securities authority. Nothing in these Terms shall be construed to create an advisory relationship between Conscient Group LLC and any subscriber or reader.

2. Not Investment Advice

All analysis published in The Convergence Report is based on publicly available information including SEC filings (13F quarterly reports, Form 4 insider transaction disclosures, 10-K annual reports, 10-Q quarterly reports), public statements, press releases, earnings calls, and other open-source materials. The information provided is for educational and informational purposes only and is not tailored to the investment objectives, financial situation, or particular needs of any individual subscriber.

You should consult with a qualified, licensed financial advisor, attorney, or tax professional before making any investment decision. Past performance of any tracked allocator, security, or market sector does not guarantee, predict, or suggest future results.

3. Limitations of Data

SEC Form 13F filings represent long US equity positions held by institutional investment managers with over $100 million in qualifying assets under management. By law and by design, 13F filings do not reflect short positions, cash holdings, fixed income securities, foreign securities, derivatives and options positions, private market investments, real assets, or any other holdings outside the scope of the 13F reporting requirement. Accordingly, 13F-based analysis represents only a partial view of any tracked allocator's complete portfolio and investment positioning.

Additionally, 13F filings are due 45 days after the end of each calendar quarter. Positions reported may be up to 45 days old at the time of publication, and positions may have changed materially in the intervening period. The Convergence Report makes no representation that any reported position reflects current holdings.

The Convergence Report's credibility scores are proprietary analytical assessments developed by Conscient Group LLC. These scores reflect our internal methodology for evaluating the historical accuracy of public statements made by tracked allocators relative to their subsequent disclosed actions. Credibility scores should not be interpreted as endorsements, criticisms, character assessments, or investment recommendations regarding any individual or entity.

4. No Endorsement

The individuals, fund managers, corporate executives, Federal Reserve officials, and entities analyzed in The Convergence Report have not endorsed, reviewed, approved, or had any involvement in the preparation of this publication. References to specific persons and organizations are based entirely on publicly available information in the public record. Inclusion in The Convergence Report's analysis does not imply any relationship, affiliation, or approval between those individuals and Conscient Group LLC.

5. AI Disclosure

This publication utilizes artificial intelligence in its research and content production pipeline, including automated data gathering from public sources, multi-model fact verification and cross-referencing, and editorial synthesis and summarization. While we employ rigorous quality controls and human review processes, AI systems inherently may produce errors, omissions, hallucinations, or inaccuracies. All data, analysis, and editorial content published in The Convergence Report should be independently verified before being relied upon for any purpose, including investment decision-making.

6. Subscription Terms

Subscriptions to The Convergence Report automatically renew at the end of each billing period (monthly or annually, depending on the plan selected at time of purchase). Your payment method on file with Stripe will be charged automatically at the then-current renewal rate unless you cancel prior to the renewal date.

You may cancel your subscription at any time through your Stripe account dashboard or by emailing contact@theconvergence.report with your cancellation request. Upon cancellation, your access to paid content will continue through the end of the current billing period for which you have already paid. No prorated refunds are provided for the unused portion of a billing period following cancellation, except as provided in our refund policy below.

Refund policy: Subscribers who are not satisfied with their initial subscription are entitled to a full refund if requested within 14 days of the original subscription start date. After 14 days from the initial subscription date, no refunds will be issued; access continues through the end of the current billing period. To request a refund within the 14-day window, email contact@theconvergence.report.

Founding Member pricing ($199/year) is a special introductory rate available to early subscribers. This rate is locked for the life of the subscription, meaning it will not increase at renewal, provided the subscription remains continuous and uninterrupted. If a Founding Member subscription lapses or is cancelled and later restarted, the Founding Member rate will no longer apply.

7. Intellectual Property

All content published in The Convergence Report, including but not limited to written analysis, editorial commentary, data visualizations, credibility scoring frameworks, convergence detection methodologies, allocator ranking systems, sector intelligence reports, and the overall structure and presentation of the publication, is proprietary to Conscient Group LLC and protected by applicable copyright, trade secret, and intellectual property laws.

Subscribers are granted a personal, non-transferable, non-exclusive license to read and use the content for their own personal, non-commercial purposes. Subscribers may not redistribute, republish, resell, sublicense, or otherwise make available any content from The Convergence Report to third parties without the prior written permission of Conscient Group LLC. Brief quotations with proper attribution to The Convergence Report are permitted for commentary, criticism, and review purposes consistent with fair use principles.

8. Limitation of Liability

9. Indemnification

You agree to defend, indemnify, and hold harmless Conscient Group LLC, its officers, directors, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of or reliance on The Convergence Report in violation of these Terms; (b) your violation of any applicable law or regulation; (c) your redistribution, republication, or misuse of any content from The Convergence Report; or (d) any investment or financial decision you make based on content from The Convergence Report.

10. Governing Law and Dispute Resolution

These Terms of Service are governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law provisions. Any dispute, claim, or controversy arising out of or relating to these Terms, your subscription, or The Convergence Report shall be resolved through binding arbitration conducted in Wyoming in accordance with the rules of the American Arbitration Association then in effect. The arbitration decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. You waive any right to a jury trial or to participate in a class action lawsuit or class-wide arbitration.

11. Severability

If any provision of these Terms of Service is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or if such modification is not possible, severed from these Terms. The remaining provisions of these Terms shall continue in full force and effect.

12. Entire Agreement

These Terms of Service, together with the Privacy Policy located at theconvergence.report/privacy, constitute the entire agreement between you and Conscient Group LLC with respect to your use of and subscription to The Convergence Report. These Terms supersede all prior agreements, representations, or understandings, whether written or oral, relating to the subject matter hereof. No waiver of any provision of these Terms shall be effective unless in writing and signed by an authorized representative of Conscient Group LLC.

13. Contact

If you have questions about these Terms of Service or need to contact us regarding your subscription, please reach out: