Terms of Use

 

Last updated: 3 December 2025

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These Terms of Use (“Terms”) govern your access to and use of the Pickel Fintech website (pickelfintech.com) and the purchase or use of any digital products offered through this site, including the SEC 13F Playbook (“the Product”). By purchasing or accessing the Product, you agree to these Terms.

If you do not agree with these Terms, please do not use the site or purchase any products.

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1. General Information

 

This website and all products are owned and operated by Pickel Fintech (“we”, “us”, “our”).
You must be at least 18 years old to make a purchase.

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2. Digital Product License

 

When you purchase the SEC 13F Playbook, you receive:

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A personal, non-transferable, non-commercial license

 

to download, view, and use the Product for your own educational or research purposes.

You may not:

• copy or reproduce the Product for distribution

• share the Product publicly

• upload the Product to other websites

• resell, sublicense, or redistribute the Product

• remove branding or copyright markings

 

All rights remain with Pickel Fintech.

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3. Digital Delivery

 

The Product is delivered digitally.
After purchase, you will receive:

• an on-screen confirmation, and

• a downloadable file (PDF or similar)

 

If you experience any issues with the download, contact us at: tom@pickelfintech.com

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4. Refund Policy

 

Because this is a digital product that is delivered instantly, all sales are final.

If you have trouble accessing the file or believe there is an error, email us and we will assist you.

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5. No Financial Advice

 

The SEC 13F Playbook and any insights or analysis included:

• are educational and informational only

• do not constitute investment advice

• do not represent individualized recommendations

• do not guarantee performance

 

You are responsible for your own investment decisions.

Pickel Fintech is not a registered investment advisor.

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6. Intellectual Property

 

All content on this site - including:

• text

• images

• data

• analysis

• charts

• graphics

• downloadable products - 

is protected by copyright and may not be copied or reused without written permission.

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7. Website Use

 

By using this website, you agree not to:

• interfere with site functionality

• attempt to access areas you are not authorized to access

• use the website for illegal or harmful purposes

 

We may suspend or block access for misuse.

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8. Third-Party Services

 

Payments may be processed via Wix Payments, Stripe, or PayPal.
These services handle your billing information securely.

We are not responsible for errors or outages caused by third-party providers.

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9. Limitation of Liability

 

To the fullest extent allowed by law:

• We are not liable for any losses, damages, or decisions made based on the Product.

• We are not responsible for investment results or financial outcomes.

 

The Product is provided “as-is”, without warranties of any kind.

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10. Changes to These Terms

 

We may update these Terms occasionally.
Updates will be posted on this page with a new “Last updated” date.

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11. Contact

 

For questions or support:

Tom Pickel
Email: tom@pickelfintech.com
Website: pickelfintech.com