Terms & Conditions of Use

Last Updated: February 27, 2026

These Subscriber Terms and Conditions (these “Terms”) govern the use by subscribers (“you” or “your”) to either or both of our Services, as defined below, which are published by ME Research LLC, DBA Mauldin Economics (“we”, “our” or “us”) and made available on www.mauldineconomics.com and any of our other websites that link to these Terms (the “Sites”). Please read all of these Terms carefully before you subscribe to any of our Services.

1. Acceptance of Terms; Modification of Terms

By using any of our Services, you agree to comply with these Terms and our privacy policy, found at www.mauldineconomics.com/privacy-policy, incorporated herein by reference. PLEASE READ THESE TERMS CAREFULLY BEFORE USING OR SUBSCRIBING TO OUR SERVICES. If you do not agree to these Terms, please do not use our Services. Our Services include information delivered via free content made available on or through our Sites and via email and other electronic communications (the “Free Service”) and premium content which you pay for through a subscription (the “Paid Service”). The Free Service and the Paid Service are collectively referred to herein as “Service” or the “Services.”

We may revise these Terms from time to time. If we change these Terms, a link to the revised version will be posted on the Sites and the effective date will be noted at the bottom of the Terms. You should review the Terms periodically for changes.

Your use of the Services after such changes to the Terms signifies your acceptance of the revised Terms.

2. Right to Use Services

Parts of the Sites, including parts relating to the Paid Service, may be accessed only with a User ID and Password. YOU AGREE THAT SUCH ACCESS TO THE SITES OR THEIR CONTENT WILL BE LIMITED TO THE NAMED USER(S) ONLY. YOU AGREE FURTHER THAT YOU WILL NOT, UNDER ANY CIRCUMSTANCES, ALLOW YOUR USER ID OR PASSWORD TO BE USED BY ANY OTHER PERSON. “Named User” means the identity of the person that is provided to us as the subscriber to any of the Sites.

3. Important Disclaimers Related to Our Services

a. Accuracy of Information Cannot be Guaranteed

Our Services include investment and market information made available through articles and interviews posted to our site, and through publications including, but not limited to, Global Macro Update, Thoughts from the Frontline, Mauldin Economics' Dividend Digest, Connecting the Dots, Transformative Age, Over My Shoulder, Mauldin Economics Essential Income, Street Freak, Jared Dillian Strategic Portfolio, Macro Advantage, Mauldin Economics VIP, The Mauldin Alpha Society, and The Inner Circle. Although this material is based upon information that we consider reliable and current, we have not verified this information and do not represent that this material is accurate, current, or complete, and it should not be relied upon as such. The opinions expressed in such publications are those of the publisher and are subject to change without notice. The information in such publications may become outdated, and we have no obligation to update it. You are advised to discuss with your financial advisers your investment options and whether any investment is suitable for your specific needs prior to making any investments.

b. Compensation for Endorsing Products or Services in Publications, “Affiliate” Relationships

We regularly review or endorse products or services sold by other companies. Such endorsements and reviews are based on our own opinions, use cases, and experiences. Your results from using any products or services reviewed or endorsed on this website may vary. In most cases, we have established a financial relationship with those companies and are given a commission or reimbursement on sales we generate. Company policies are in effect that attempt to avoid changes to the price or quality of goods and services provided as a result of these relationships. While we value our subscribers' trust and endeavor to only endorse products and services we believe in, you are responsible for performing your own due diligence and evaluating whether such products or services are right for you. We do not accept compensation from any companies we recommend as investments.

c. Ownership of Securities Described in Our Publications

John Mauldin, GG Holding Cos LLC, ME Research LLC, and other entities in which John Mauldin has an interest, and employees, managers, members, officers, family, and associates of the foregoing may from time to time have positions in the securities or commodities described in the material published as part of our Services. Corporate policies are in effect that attempt to avoid potential conflicts of interest, and we endeavor to resolve conflicts of interest that do arise in a timely fashion.

d. Content Not to be Construed as Personal Investment Advice

We are a publisher, and any material we publish is not a replacement for an experienced broker or investment adviser. The material published as part of the Services has been prepared for informational purposes only without regard to your individual investment objectives, financial situation or means. Information published as part of the Services is not intended to constitute individual investment advice and is not designed to meet your personal financial situation. The material is not to be construed as an offer to buy or sell, or the solicitation of an offer to buy or sell, any security, financial product or instrument; or to participate in any particular trading strategy in any jurisdiction in which such offer, solicitation or trading strategy would be illegal.

e. No Determination of Suitability Made; Not All Risks Disclosed; Private Advisors Recommended

The fact that we have made information available to you through the Services is neither a recommendation that you enter into a particular transaction nor a representation that any investment described in the Services is suitable or appropriate for you. Many of the investments described by our Services involve significant risks, and you should not enter into any transactions unless you fully understand all such risks and have independently determined that such transactions are appropriate for you. Any discussion of the risks contained herein with respect to any product should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned. You are advised to discuss with your financial advisers your investment options and whether any investment is suitable for your specific needs prior to making any investments. Subscribing to our Services does not make us responsible for your investment results, and you will bear the risks of any investment you decide to make. Sometimes our investment recommendations may be wrong or the timing may be off. You should always limit the size of any investment to an amount you can afford to lose.

f. Limitations of Performance Track Records

We may publish information regarding the performance track records of our investment recommendations on our Site or in other materials. In general when we track the performance of an investment recommendation, we start on the date that we first publish the recommendation and end on the date we first recommend closing the position. Sometimes we publish a recommendation to sell part of an investment to harvest gains or limit losses, and we take that into account when we calculate the performance track record of an investment. While we strive through these efforts to make our track records accurate, they still may not be representative of your actual results for a number of reasons. For example, our track records do not account for taxes or brokerage commissions, and may not reflect your actual transaction prices. You should also remember that any past track record of success may not be replicated as past performance is not a guarantee of future success.

g. Testimonials May Not Be Representative

We may include subscriber testimonials on our Site or in other materials. We do not compensate any person to make such a testimonial. However, we do generally select only those testimonials that comment positively on our Services. Such testimonials express the author’s own opinions and experiences and may not be representative of the experiences of other subscribers or of your experience with the Services.

h. Access to Sites Not Guaranteed

We will not be liable if, for any reason, all or any part of any Site is unavailable at any time or for any period or for any loss of data or transactions caused by planned or unplanned system outages or the resultant delay, mis-delivery, or non-delivery of information caused by such outages.

4. Our Proprietary Rights

The Services and the content distributed through the Services, including copyright, trademark, and other intellectual property rights therein, is the property of ME Research LLC. You acknowledge and agree that you do not acquire any ownership rights by using the Services.

a. Paid Service Publications

You agree that you will not copy, republish, upload, post, transmit, distribute, sell, or otherwise send to others via email or any other medium any content made available through the Paid Services. No portion of any publication made available through our Paid Services may be extracted, summarized, or reproduced without permission of ME Research LLC. Nothing contained herein shall be construed as conferring any license or right under any of our copyrights, trademarks, or other rights. Unauthorized use, reproduction, distribution, or rebroadcast of any content of our Paid Services, such as communicating investment recommendations in such Paid Services to non-subscribers in any manner, is prohibited and shall be considered an infringement and/or misappropriation of our proprietary rights. Modification of the content or use of the content for any purpose other than your own personal, noncommercial use is a violation of our copyright and other proprietary rights, and can subject you to legal liability.

b. Free Service Publications

We encourage sharing of content made available under Free Services in compliance with these Terms. As a result, ME Research LLC grants you the non-exclusive right to republish its proprietary Free Service publications on another platform as long as it is published in full in its original form with proper attribution and a link back to mauldineconomics.com.

No portion of any publication made available through our Free Services may be summarized, edited, modified, or taken out of context without permission of ME Research LLC. Should you want to republish excerpts or sections of any Free Service publication, you must get express written authorization from us, provide proper attribution, and link back to the full-length article on our website.

Unauthorized publication of partial Free Service publications or modification of any Free Service publication for any purpose other than your own use is a violation of our copyright and other proprietary rights and can subject you to legal liability.

5. Termination of Your Subscription

We hope that you will be fully satisfied with our Services. The following terms apply in the event that you would like to terminate your subscription to our Services:

a. Free Service Publications

You may terminate receipt of any of our Free Service publications at any time by sending us a request to remove yourself from the relevant distribution list. Every email notification you receive will include a link for you to remove yourself from the distribution list. If you feel you have been signed up incorrectly and do not wish to have access to the Free Service publications, you can remove yourself from the list by clicking that link or sending an email request to subscribers@mauldineconomics.com.

b. Paid Service Publications

Some, but not all of our Paid Service publications come with either a limited-time money-back guarantee or allow you to recover a portion of your purchase price. The term of the guarantee varies with each offer, and it is your responsibility to understand and comply with the offer terms prior to subscribing. If a trial period is offered, you may cancel your subscription by contacting us within such trial period and you will either receive a full refund for your subscription or a partial refund of your purchase price depending on the terms of the offer.

Some of our Paid Service publications are sold with no trial period and no money-back guarantee or refund period. These terms will be clearly stated in the offer and on the order form.

c. Our Right to Terminate Your Subscription.

We reserve the right to terminate your subscription to any of our Services at any time in our sole discretion. If we do so, we will promptly refund to you a pro-rated refund of the amount of the subscription payments you previously paid which relate to the remaining subscription period. Termination of your subscription to any of our Services may result from your violation of these Terms or any unauthorized use or reproduction, distribution, or rebroadcast of any of our publications or information contained in our Services, any infringement or misappropriation of our intellectual property or other proprietary rights, or any other reason determined in our sole discretion. You agree that if your account is terminated by us for these reasons, you will not attempt to establish a new account under any name, real or assumed. Termination of your account shall not constitute a waiver of our right to pursue any other legal course of action against you, including seeking to obtain an injunction, damages, and recovering legal expenses and costs against you.

6. Additional Terms Applicable to User Contributed Content

Our Services may include comments, articles, and other content which have been contributed by you or other third parties (“User Contributed Content”). You agree to be personally responsible for any User Contributed Content you submit to us and you agree to comply with the following additional terms applicable to User Contributed Content.

a. Acceptance

Your submission of User Contributed Content constitutes your acceptance, without modification, of these Terms. If you do not agree with these Terms, you should not submit User Contributed Content.

b. License

By posting or submitting content to us, including User Contributed Content, you grant us a non-exclusive, worldwide, perpetual, irrevocable, unrestricted, royalty-free, fully paid-up, transferable license, with the right to sublicense, use, copy, display, distribute, and otherwise disclose to third parties such User Contributed Content, or any portion thereof, and to sell, modify, create derivative works from and/or to incorporate such User Contributed Content, or any portion thereof, into other works in any form, medium or technology, whether now known or hereafter developed, in each case, for any purpose whatsoever, commercial or otherwise, without compensation to you. You agree to waive any moral rights that you may have to your User Contributed Content. The license granted above shall survive termination, cancellation or expiration of these Terms and/or your subscription.

c. Conduct

When you submit any User Contributed Content to us, you agree to the following:

You agree to be personally responsible for your User Contributed Content and to communicate your comments and opinions in a lawful and respectful manner;
You agree that any User Contributed Content submitted by you does not defame any person or violate or infringe the intellectual property rights of any person including, without limitation, trade secrets, confidential information, copyrights, trademarks, patents, rights of publicity or any other proprietary rights;
You agree that any User Contributed Content submitted by you will be considered non-confidential and non-proprietary;
You agree not to submit any User Contributed Content which contains advertising, promotional materials or any solicitation of products or services without our prior written consent;
You agree to submit User Contributed Content that is related to the subject matter of the Site and that complies with applicable law;
You agree not to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity;
You agree not to use artificial intelligence to generate User Contributed Content, including any data, analysis, text, images or video (“AI-generated Content) [unless you fully disclose the nature and source of such AI-generated content];
You agree not to use artificial intelligence or other automated methods, including bots, to submit User Contributed Content to us;
You agree not to submit any User Contributed Content that violates any local, state, national or international law, including but not limited to regulations of the U.S. Securities and Exchange Commission or other securities laws, any rules of any securities exchange, including without limitation, the New York Stock Exchange or The Nasdaq Stock Market or to engage in activity that would constitute a criminal offense or give rise to a civil liability;
You agree not to submit User Contributed Content which is abusive or harassing to any other person;
You agree not to submit any User Contributed Content which contains nudity, language or other material that may be considered “adult”, obscene, indecent, objectionable or offensive;
You agree not to harvest, collect or store personally identifying information about other users of the Site or to otherwise invade anyone's privacy or disclose another person's personally identifiable information in your User Contributed Content;
You agree not to upload, post, email, otherwise transmit, or post links to any User Contributed Content that contains software viruses, worms, Trojan horses, time bombs, trap doors or any other computer code, files or programs or repetitive requests for information designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of, or impair the functionality of the Site or any third-party software, site, equipment or service;
You agree not to engage in any activity which may compromise the stability or availability of the Site or use the Site to compromise the availability or stability of any third-party site or service, including without limitation any denial of service attacks, viruses or other malicious code;
You agree not to reverse engineer, hack, spam, block, disrupt, or otherwise change or alter, or attempt to change or alter, the Site;
You agree not to circumvent any security measures or any payment collections methods employed on the Site or access the Site or submit User Contributed Content after your account, access or contributing privileges have been terminated by us; and
You represent and warrant that you own or control all rights in and to the User Contributed Content and have the right to grant the license granted above to use our licensees, successors and assigns and that all of your User Contributed Content does and will comply with these Terms.

If you are aware of or experience any circumstances that appear to be a violation of these Terms, please inform us by contacting us via email to: service@mauldineconomics.com.

d. Disclosure of Conflicts of Interest

When you submit any User Contributed Content to us, you also agree to abide by the following disclosure rules:

You agree to disclose any conflict of interest, ownership interest, business, employment, or other financial relationship you have with any company or stocks named in any User Contributed Content you submit including, without limitation, the existence at the time of writing of a long or short position (including stocks, options or other instruments).
You agree not to submit User Contributed Content with the intent to increase or decrease a stock's price and sell or purchase the stock as a result of such increase or decrease.
You agree to disclose any intent to purchase or sell a stock within three trading days of submitting User Contributed Content that discusses that stock.

e. Responsibility for User Contributed Content

Comments and views expressed in User Contributed Content are those of the contributors only and do not necessarily represent our views. We do not endorse and specifically disclaim all responsibility and liability for any User Contributed Content. We have no obligation to pre-screen or monitor User Contributed Content; however, we reserve the right to monitor, delete, move or edit User Contributed Content, in whole or in part, in our sole discretion at any time without notice to you. We also reserve the right to terminate your access to or ability to submit User Contributed Content at any time, without notice, for any reason whatsoever.

f. Copyright Infringement Notices

We respect the intellectual property rights of others and it is our policy to respond expeditiously to claims of intellectual property infringement. We will promptly process and investigate notices of alleged infringement and take appropriate actions under the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (“DMCA”) and other applicable intellectual property laws.

Upon receipt of notices complying or substantially complying with the DMCA, we will act expeditiously to remove or disable access to any material claimed to be infringing or claimed to be the subject of infringing activity and will act expeditiously to remove or disable access to any reference or link to material or activity that is claimed to be infringing. We will terminate access for subscribers who are repeat infringers.

If you believe that your work has been copied in a way that constitutes copyright infringement, please send a written notice to us at the email or mailing address below with the following information:

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material.
Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and, if available, an electronic mail address at which you may be contacted.
A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

You may submit a notice electronically by emailing us at service@mauldineconomics.com or in writing to:

ME Research LLC

1417 Sadler Road

PMB 415

Fernandina Beach, FL 32034

7. International Use

Information published in connection with our Services may contain references to information and materials that are not appropriate or available in countries or regions outside of the United States. Those who choose to access the Services from other locations do so at their own risk and are responsible for compliance with local laws, if and to the extent applicable.

8. Disclaimer of Warranties

The Services and any content distributed through the Services are provided “as is” without representations or warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, we, our officers, managers, members, employees, affiliates and agents disclaim all warranties, express or implied, including but not limited to implied warranties of title, non-infringement, merchantability and fitness for a particular purpose or use, and all warranties relating to the accuracy or completeness of any information contained in the Services. Your use of the Services and the information contained therein are entirely at your own risk. No opinion, advice or statement made in our Services or otherwise shall create any warranty.

Neither we nor our officers, managers, members, employees, affiliates and agents will have any liability, contingent or otherwise, to you or to third parties, or any responsibility whatsoever, for the failure to maintain your access to the Services, or for any interruption or disruption of such access. We shall have no liability, contingent or otherwise, to you or to third parties, for the correctness, quality, accuracy, timeliness, reliability, performance, continued availability, completeness or delays, omissions, or interruptions in the Services.

Under no circumstances shall we be held liable for any delay or failure in performance or other default or damage where such has been caused by acts of nature, forces, or causes beyond our reasonable control including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, electrical power failures, an act of God, war, major disaster, terrorism, third-party criminal acts, insurrection, riot, flood, earthquake, fire, strike, lockout or other labor disturbance, delay by carriers, shortage of fuel, power, materials or supplies, operation of statutes, laws, rules or rulings of any court or government, non-performance of third parties or any other cause beyond our control.

9. Limitation of Liability

IN NO EVENT WILL WE OR ANY OF OUR OFFICERS, MANAGERS, MEMBERS, EMPLOYEES, AFFILIATES, CONSULTANTS, CONTRACTORS OR THIRD-PARTY CONTENT PROVIDERS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, LOST PROFITS OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER LEGAL THEORY RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES IS TO STOP USING THEM AND SEEK A REFUND PER THE TERMS DESCRIBED IN SECTION 4. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR USING OUR SERVICES IN THE CURRENT CALENDAR YEAR OF YOUR SUBSCRIPTION.

10. Indemnification

You agree to indemnify, defend and hold harmless us and our current and former officers, managers, members, employees, affiliates, consultants, contractors, third-party content providers and their successors and assignees from and against any and all liabilities, claims, damages, losses, costs (including reasonable attorneys' fees), or other expenses associated with or incurred as a result of or from (a) your violation of these Terms; (b) your use of the Sites or the Services; (c) the actual or alleged infringement of any of our or third-party proprietary or intellectual property right arising out of your copying, republishing, uploading, posting, transmitting, distributing, selling or using the Services in any manner not authorized by us; or (d) any User Contributed Content submitted by you.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida and the United States of America, without giving effect to any principles of conflicts of law. You and we irrevocably consent to the sole and exclusive jurisdiction of the state courts located in Nassau County, Florida, or the U.S. District Court for the Middle District of Florida in connection with any action, suit or other proceeding arising out of or related to these Terms or your use of the Services. You and we waive any objection based on lack of personal jurisdiction, place of residence, improper venue or forum non conveniens in any such action.

12. Miscellaneous

These Terms represent the entire agreement between you and us relating to your use of the Services and supersedes any and all prior or contemporaneous written or oral agreements on that subject between us. If any provision of these Terms shall be deemed unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the remaining Terms and shall not affect the validity and enforceability of any remaining provisions. No waiver by either party of any breach or default under these Terms shall be deemed to be a waiver of any preceding or subsequent breach or default. We reserve all legal rights and remedies available to us.

13. Legal Notices.

You may contact us by calling our customer service center at 1-877-631-6311 (1-602-626-3100 if calling internationally) or by writing to:

ME Research LLC

1417 Sadler Road

PMB 415

Fernandina Beach, FL 32034

Please see our Privacy Policy for information regarding our collection and use of your personal information.