LEGAL

Terms & Conditions

Prime Factory — Operated by Dynamic Industries LLC · Effective Date: January 5, 2026

These Terms & Conditions are a binding legal agreement. They include a mandatory individual arbitration clause, a class action waiver, a jury trial waiver, a monetary cap on liability, and other provisions that materially restrict your legal remedies. Enrolling in the Newsletter Service, accessing the website, or receiving any market dispatch from Prime Factory constitutes your unconditional acceptance of every provision below.

1. Establishing the Agreement

These Terms & Conditions govern the relationship between each Member and Dynamic Industries LLC in connection with the Prime Factory Newsletter Service, operated at primefactorygroup.com and through its associated email dispatch program.

These Terms are paired with our Privacy Policy, which governs how personal data collected through the Newsletter Service is handled. Terms defined below carry the same meaning in the Privacy Policy. Where the two documents conflict, these Terms govern.

Newsletter Service. The website at primefactorygroup.com, all associated market dispatches, newsletters, and other channels through which Prime Factory content is distributed to Members.

Member. Any individual who visits the website, enrolls in the newsletter program, or receives market dispatches from the Newsletter Service, regardless of the source through which their contact information entered the Newsletter Service's systems.

Shielded Parties. Dynamic Industries LLC together with its managers, members, officers, employees, contractors, data and technology vendors, advertising counterparties, portfolio companies, and affiliated entities — whether a claim is brought against any one of them individually or all of them together.

Eligibility. The Newsletter Service is available only to persons eighteen (18) years of age or older who are legally capable of entering binding agreements. Access by anyone under eighteen is prohibited. Members are solely responsible for confirming that enrollment is lawful in their jurisdiction.

COPPA. Dynamic Industries LLC does not knowingly collect personal data from children under thirteen (13). Any such data discovered will be deleted without delay. Contact hello@primefactorygroup.com to report a potential COPPA concern.

How acceptance occurs. Enrolling in the newsletter, visiting the website, clicking any link in a market dispatch, or submitting any information to the Newsletter Service constitutes full acceptance of these Terms. No written signature is required.

Revisions. These Terms may be updated at any time. The current version is published at primefactorygroup.com with an updated Effective Date. Continued use following an update constitutes acceptance of the revised Terms.

2. Understanding Our Platform

What we publish. Prime Factory is a financial commentary and market intelligence publication. Its output consists of market analysis, investment news, economic commentary, and educational content on financial topics, distributed to enrolled Members through the website and email dispatch program. Dynamic Industries LLC operates this publication as a media company.

What we are not. Dynamic Industries LLC holds no registration, licence, or authorisation from the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority, any state securities regulator, or any equivalent foreign regulatory authority. It does not operate as a broker-dealer under the Securities Exchange Act of 1934; does not render investment-advisory services under the Investment Advisers Act of 1940; does not solicit, offer, or recommend transactions in securities, digital assets, or financial instruments; does not hold or control any Member's funds or assets; and conducts no suitability analysis or know-your-customer review for any Member.

NO CONTENT DISTRIBUTED THROUGH THE NEWSLETTER SERVICE — IRRESPECTIVE OF FORMAT OR DELIVERY CHANNEL — CONSTITUTES INVESTMENT ADVICE, A SECURITIES RECOMMENDATION, FINANCIAL PLANNING GUIDANCE, TAX ADVICE, LEGAL ADVICE, OR ANY OTHER PROFESSIONAL SERVICE REQUIRING A LICENCE OR REGULATORY AUTHORISATION. ALL CONTENT IS EDITORIAL AND INFORMATIONAL IN CHARACTER. NO FIDUCIARY, ADVISORY, OR PROFESSIONAL-CLIENT RELATIONSHIP ARISES FROM ENROLLMENT IN OR RECEIPT OF ANY MARKET DISPATCH. MEMBERS MUST OBTAIN INDEPENDENT ADVICE FROM A SUITABLY QUALIFIED PROFESSIONAL BEFORE MAKING ANY FINANCIAL, INVESTMENT, TAX, OR LEGAL DECISION.

3. Editorial Practices and Content Disclosures

Editorial purpose. All content distributed through the Newsletter Service is produced for journalistic, educational, and informational purposes. No content is intended to manipulate or exert artificial influence over the price, trading volume, or market perception of any security, digital asset, or financial instrument.

Conflicts of interest. Dynamic Industries LLC, its affiliates, principals, employees, contractors, and contributors may hold long or short positions in securities, digital assets, or financial instruments discussed in Newsletter Service content at any time. Such positions are not disclosed on a per-dispatch basis.

Forward-looking statements. Content may include market projections, forecasts, and speculative commentary. Such statements are inherently uncertain. Actual outcomes frequently differ from those projected or implied. No warranty is made as to the accuracy of any projection, and there is no obligation to update, correct, or retract content following initial distribution.

Performance data. Returns, yield figures, and performance metrics appearing in content are presented for illustrative purposes only and may reflect hypothetical or back-tested scenarios that do not represent actual trading conditions.

PAST PERFORMANCE OF ANY SECURITY, DIGITAL ASSET, STRATEGY, OR PORTFOLIO DOES NOT GUARANTEE OR PREDICT FUTURE RESULTS.

Third-party data. Prices, quotes, and financial data cited in content may be delayed, aggregated, or sourced from third-party providers. No warranty is made as to the currency, accuracy, or completeness of such data.

AI-assisted content. Artificial intelligence tools may assist in drafting, editing, or formatting content. All content undergoes human editorial review prior to distribution. AI-assisted content may contain errors, outdated assertions, or omissions, and does not constitute personalised financial guidance of any kind.

4. Digital Asset Risk Disclosure

Where Newsletter Service content discusses cryptocurrencies, tokens, stablecoins, non-fungible tokens, decentralised-finance instruments, or any other asset that derives its value from distributed-ledger or blockchain technology, the following material risk factors apply:

  1. Extreme volatility. Digital asset values may fluctuate dramatically within short timeframes, including declining to zero.
  2. Regulatory risk. The legal status of digital assets varies by jurisdiction and is subject to rapid, adverse change.
  3. Total capital loss. Allocations to digital assets may result in the complete and permanent loss of invested capital.
  4. Exchange and custodial failure. Trading platforms and custodians may be hacked, become insolvent, or be closed by regulators.
  5. Smart contract risk. Coding errors, exploits, and governance failures in on-chain protocols may cause irreversible loss of funds.
  6. No government guarantees. Digital assets are not insured or guaranteed by the FDIC, SIPC, or any equivalent programme.
  7. Tax obligations. Digital asset transactions may generate significant and complex tax consequences for which each Member is solely responsible.
  8. Liquidity risk. Certain digital assets may be difficult or impossible to sell at a desired price due to limited market activity.

DYNAMIC INDUSTRIES LLC MAKES NO REPRESENTATION REGARDING THE LEGALITY, SAFETY, SUITABILITY, OR PROFITABILITY OF ANY DIGITAL ASSET DISCUSSED IN NEWSLETTER SERVICE CONTENT.

DeFi yield instruments. Where content discusses yield-generating mechanisms offered through decentralised-finance protocols — including liquidity provision, staking, lending, and synthetic asset strategies — Members should be aware that: (a) yield rates cited are denominated in the underlying digital asset and fluctuate continuously; (b) structured products such as leveraged tokens and perpetual futures may lose value to zero through mechanism-specific paths; and (c) the tax treatment of staking rewards and liquidity-provision returns is unsettled in many jurisdictions.

5. Communicating With Members

Data practices governing Member email addresses — including suppression file management and delivery partner arrangements — are described in the Email Program section of our Privacy Policy.

Consent to receive dispatches. By providing an email address to the Newsletter Service — directly or through an acquisition source from which Dynamic Industries LLC has lawfully obtained contact information — a Member consents to receive market dispatches and related commercial communications, which may include financial analysis, sponsored content, and promotional offers.

CAN-SPAM compliance. All commercial correspondence satisfies the requirements of the CAN-SPAM Act (15 U.S.C. § 7701 et seq.): each dispatch identifies the sender, includes a valid physical mailing address, uses accurate subject lines, and carries a functioning unsubscribe mechanism. Opt-out requests are processed within ten (10) business days.

Unsubscribing. A Member may withdraw consent at any time by activating the unsubscribe link in any dispatch or by submitting a written request to hello@primefactorygroup.com. Following unsubscription, the address is entered into the permanent suppression file.

SMS and mobile messages. Where text messages are sent to a mobile number provided by a Member, prior express written consent will be obtained as required by the Telephone Consumer Protection Act (47 U.S.C. § 227). Text STOP to opt out. Mobile opt-outs do not cancel email enrollment.

CASL. For Canadian Members, reliance is placed on the express or implied consent recorded at enrollment, consistent with Canada's Anti-Spam Legislation. Withdrawal rights apply equally under CASL.

6. Disclosing Commercial Relationships

Dynamic Industries LLC earns revenue through advertising and affiliate arrangements connected to the Newsletter Service. This section, together with per-dispatch disclosures, constitutes the standing material-connection disclosure required under 16 C.F.R. Part 255.

Revenue structures. Compensation is generated through cost-per-click fees, cost-per-acquisition commissions, revenue-sharing agreements, and fixed-fee placements. Partners may include brokerage platforms, digital asset services, investment education providers, and other consumer financial businesses.

Partner review. All advertising and affiliate partners are reviewed before acceptance. Dynamic Industries LLC will not knowingly distribute content for products it has reason to believe are deceptive or unsuitable for Members.

Nature of compensation. A paid arrangement does not constitute an endorsement of that partner's product, a warranty of its quality, or a suitability determination for any individual Member.

Editorial influence. Commercial arrangements may affect which topics or products receive coverage, their prominence, and frequency of appearance. Members should take this into account when evaluating content they receive.

7. Member Obligations and Risk Acknowledgments

By enrolling in and using the Newsletter Service, each Member represents and warrants that:

  1. they are at least eighteen (18) years old and legally competent to enter into these Terms;
  2. their jurisdiction does not prohibit enrollment in or receipt of content from the Newsletter Service;
  3. they are not listed on any sanctions register maintained by OFAC, the U.S. Department of State, the EU, or any other applicable authority;
  4. they will not use the Newsletter Service for any unlawful purpose, including market manipulation or securities fraud;
  5. they will conduct independent research before making any financial or investment decision;
  6. they have read and accepted all risk disclosures in these Terms; and
  7. all personal information provided is accurate and current.

BY ENROLLING IN THE NEWSLETTER SERVICE, EACH MEMBER EXPRESSLY ACKNOWLEDGES AND VOLUNTARILY ASSUMES ALL RISK ARISING FROM: FINANCIAL OR INVESTMENT DECISIONS MADE IN CONNECTION WITH NEWSLETTER SERVICE CONTENT; THE INHERENT VOLATILITY AND UNCERTAINTY OF FINANCIAL AND DIGITAL ASSET MARKETS; THE POSSIBILITY THAT CONTENT MAY BE INACCURATE, INCOMPLETE, STALE, OR MISLEADING; ENGAGEMENT WITH THIRD-PARTY ADVERTISERS, AFFILIATES, OR SPONSORS; AND EVERY OTHER CONSEQUENCE OF PARTICIPATION. THE SHIELDED PARTIES ARE NOT RESPONSIBLE FOR ANY LOSS, DAMAGE, OR COST INCURRED IN CONNECTION WITH THE NEWSLETTER SERVICE.

8. California Members — Privacy Rights

California Members hold rights under the CCPA/CPRA including the right to know, delete, correct, and opt out of sale or sharing of personal information, exercisable at any time without discriminatory consequence. Submit requests to hello@primefactorygroup.com with subject line "California Privacy Rights."

9. Limiting Liability and Protecting the Service

EXCLUDED LOSSES. THE SHIELDED PARTIES ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR SPECULATIVE LOSS — INCLUDING INVESTMENT LOSSES, LOST PROFITS, DATA LOSS, MISSED OPPORTUNITIES, GOODWILL IMPAIRMENT, OR HARM CAUSED BY MARKET FORCES OR THIRD-PARTY CONDUCT — REGARDLESS OF HOW A CLAIM IS CHARACTERISED.

MONETARY CEILING. THE AGGREGATE LIABILITY OF ALL SHIELDED PARTIES FOR ALL CLAIMS IS LIMITED TO THE GREATER OF: (I) ONE HUNDRED UNITED STATES DOLLARS (US $100.00); OR (II) AMOUNTS ACTUALLY PAID BY THE MEMBER TO DYNAMIC INDUSTRIES LLC, IF ANY, IN THE TWELVE CALENDAR MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THIS CEILING IS A SINGLE AGGREGATE FIGURE APPLICABLE TO ALL CLAIMS COMBINED.

Specific exclusions. The Shielded Parties accept no responsibility for: financial or investment decisions made in connection with content; losses attributed to reliance on any figure, projection, or editorial assertion; dealings with any advertiser, affiliate, or sponsor; unauthorised access to Member data; errors in AI-assisted content; or the practices of any third-party resource linked from the Newsletter Service.

Indemnification. Each Member agrees to defend and hold the Shielded Parties harmless from all claims, losses, costs, and legal fees arising from their use of the Newsletter Service, financial decisions made in connection with its content, breach of these Terms or the Privacy Policy, or infringement of any third-party right. This obligation survives termination.

WARRANTY DISCLAIMER. THE NEWSLETTER SERVICE AND ALL CONTENT ARE PROVIDED AS-IS AND AS-AVAILABLE WITH NO WARRANTY OF ANY KIND. THE SHIELDED PARTIES DISCLAIM ALL IMPLIED WARRANTIES — INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10. Protecting Our Intellectual Property

Ownership. All content, trademarks, trade names, logos, domain names, software, and other intellectual property associated with the Newsletter Service are owned by Dynamic Industries LLC or its licensors.

Licence granted. Members receive a limited, personal, non-transferable, revocable permission to access and use content for personal, non-commercial, informational purposes only.

Prohibited conduct. Reproducing, adapting, publicly displaying, or commercially exploiting content without prior written consent is prohibited. Using automated tools — including bots, scrapers, or AI training pipelines — to extract content without written authorisation is also prohibited.

11. Resolving Disputes

Governing law. These Terms are governed by the law of the State of Florida, United States, excluding its conflict-of-laws rules. The Federal Arbitration Act, 9 U.S.C. §§ 1–16, governs the arbitration agreement below.

Pre-dispute notice. Before initiating arbitration, the party with a grievance must deliver a written Notice of Dispute describing the claim and the relief sought, to hello@primefactorygroup.com or by mail to Dynamic Industries LLC, 1900 Glades Rd, Boca Raton, Florida 33431 (Attention: Legal). Both parties commit to thirty (30) calendar days of good-faith informal resolution first.

BINDING INDIVIDUAL ARBITRATION. ANY DISPUTE NOT RESOLVED INFORMALLY SHALL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION UNDER ITS CONSUMER ARBITRATION RULES. THE SEAT OF ARBITRATION IS BOCA RATON, FLORIDA. THE AWARD IS FINAL AND MAY BE ENTERED AS A JUDGMENT IN ANY COURT OF COMPETENT JURISDICTION.

CLASS ACTION WAIVER. ALL DISPUTES MUST BE RESOLVED EXCLUSIVELY ON AN INDIVIDUAL BASIS. NEITHER PARTY MAY INITIATE, JOIN, OR PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION.

JURY TRIAL WAIVER. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BOTH PARTIES IRREVOCABLY WAIVE THE RIGHT TO A JURY TRIAL. LIMITATION PERIOD: ANY CLAIM MUST BE INITIATED WITHIN ONE (1) YEAR OF ACCRUAL.

12. Miscellaneous Provisions

No duty to update. Dynamic Industries LLC has no obligation to revise or retract any content after distribution. Anti-money laundering: it is a media company, not a financial institution subject to the Bank Secrecy Act. Force majeure: not liable for failures caused by events outside its reasonable control. Assignment: Members may not assign these Terms; Dynamic Industries LLC may assign them freely. Severability: invalid provisions are modified minimally or severed. Entire agreement: these Terms together with the Privacy Policy constitute the complete agreement. Survival: Sections 2, 3, 4, 6, 7, 9, 10, 11, and 12 survive termination.

13. Contact Information

Dynamic Industries LLC

1900 Glades Rd

Boca Raton, Florida, 33431

Email: hello@primefactorygroup.com

Website: primefactorygroup.com

© 2026 Dynamic Industries LLC. All rights reserved.