Terms and Conditions
Last updated: October 17, 2026
These terms govern use of Stellar Investor, operated by Topaz Ram Holdings LLC, a Wyoming limited liability company. By using the site, you agree to these terms. If you do not agree, do not use the site.
Educational use
Articles, videos, newsletters, calculators and assessments are general educational information, not personalized financial, investment, legal or tax advice. No advisory or fiduciary relationship is created. You remain responsible for your decisions and for verifying information, assumptions and calculations. Our Disclosures explain additional risks and limitations.
Permitted use
You may access the site and use its tools for lawful personal purposes. Do not attempt unauthorized access, disrupt services, introduce malicious code, impersonate others or use the site to violate another person’s rights. Automated access must not bypass access restrictions or impair the site’s operation.
Content and intellectual property
Original site content, branding and materials belong to the publisher or their respective rights holders. Reading, sharing links and making lawful quotations do not grant ownership or a license to reproduce or commercially redistribute the site’s materials. Other uses require permission or an applicable legal exception. Third-party trademarks remain the property of their owners.
Third-party links and services
External products and services are governed by their own terms and privacy policies. Links do not guarantee availability, accuracy, security or suitability. We are not responsible for third-party services or your transactions with them. Affiliate and sponsorship relationships are addressed in our disclosures.
Availability and limitations
The site and its materials are provided on an “as is” and “as available” basis. To the extent permitted by law, we disclaim warranties of accuracy, completeness, fitness for a particular purpose and uninterrupted availability. Content and AI-assisted outputs may contain errors, and tools may omit factors relevant to your circumstances. We may change or discontinue parts of the site.
Limitation of liability
To the extent permitted by applicable law, the publisher is not liable for indirect, incidental, consequential or special damages arising from use of, or inability to use, the site, including losses from decisions made in reliance on its materials. Nothing in these terms excludes liability or consumer rights that cannot lawfully be excluded.
Privacy and newsletter subscriptions
Our Privacy Policy explains how information is handled. Newsletter subscriptions can be ended through the unsubscribe link in an email or by contacting us. These terms do not authorize unwanted access to private administrator areas.
Applicable law and updates
These terms are governed by Wyoming law, subject to mandatory protections that apply in your jurisdiction. We may revise these terms as the site changes; the updated date identifies the latest revision. If a provision is unenforceable, the remaining provisions continue to apply to the extent allowed by law.