Terms

Effective Date: July 12, 2026

Welcome to BRIQNewsletter.com. These Terms of Use govern your access to and use of this website and its articles, downloads, presentations, videos, seminar materials, and other content.

BRI Quarterly Newsletter is an educational project of Financial Risk Management, LLC.

By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, please do not use the website.

Educational Purpose Only

The content provided through the BRI Quarterly Newsletter is intended solely for general educational, informational, theological, and research purposes.

Nothing on this website constitutes individualized:

  • Investment advice
  • Financial-planning advice
  • Securities recommendations
  • Legal advice
  • Accounting advice
  • Tax advice
  • Insurance advice
  • Fiduciary advice

The website does not take into account your financial circumstances, investment objectives, risk tolerance, tax position, legal obligations, or other personal considerations.

You should consult appropriately qualified professionals before making financial, investment, legal, tax, accounting, insurance, or estate-planning decisions.

No Advisory or Professional Relationship

Your use of this website, downloading of materials, attendance at a public presentation, or communication through email does not create:

  • An investment-adviser relationship
  • A financial-planner relationship
  • An attorney-client relationship
  • An accountant-client relationship
  • A fiduciary relationship
  • A consulting or expert-witness relationship
  • Any other professional or contractual relationship

Neither the BRI Quarterly Newsletter nor Financial Risk Management, LLC provides individualized investment-advisory services through this website.

A professional relationship may be established only through a separate written agreement signed by the appropriate parties.

Investment Risk

Investing involves risk, including the possible loss of principal.

Past performance does not guarantee future results. Historical returns, illustrations, hypothetical portfolios, model results, forecasts, projections, and examples may not reflect actual future performance.

References to particular securities, funds, investment strategies, asset classes, benchmarks, advisers, or financial products are provided for educational or illustrative purposes. They should not be interpreted as recommendations to buy, sell, hold, avoid, or otherwise transact in any security or financial product.

You are responsible for conducting your own investigation and obtaining appropriate professional advice before making investment decisions.

Biblical and Theological Content

The website presents financial and economic issues from a Christian worldview and may include biblical interpretation, theological reasoning, ethical judgments, and applications of Scripture.

Such content is offered for education, reflection, and discussion. Readers are encouraged to study Scripture carefully, participate in a faithful local church, and seek counsel from qualified pastors, elders, theologians, and other appropriate advisers.

References to a person, company, fund, financial practice, or investment product do not necessarily imply approval or condemnation of every aspect of that person, organization, practice, or product.

Accuracy and Completeness

Reasonable efforts are made to provide thoughtful and accurate information. Nevertheless, the website may contain:

  • Errors or omissions
  • Incomplete information
  • Outdated information
  • Typographical mistakes
  • Data obtained from third-party sources
  • Opinions or interpretations with which others may disagree

Financial markets, laws, regulations, tax rules, investment products, fees, company information, and economic conditions may change without notice.

No representation or warranty is made that any content is complete, current, error-free, or suitable for a particular purpose. You should verify material information independently before relying upon it.

Intellectual Property

Unless otherwise indicated, the original content of this website—including text, graphics, presentations, educational materials, design elements, and downloadable documents—is owned by Financial Risk Management, LLC, Robert E. Brooks, or the identified author and is protected by applicable intellectual-property laws.

Third-party quotations, images, trademarks, Scripture translations, research, data, and other materials remain the property of their respective owners.

The names BRI Quarterly Newsletter, Financial Risk Management, LLC, and associated titles, logos, graphics, and identifying marks may not be used in a manner that suggests sponsorship, endorsement, affiliation, or approval without prior written permission.

Permitted Use

You may:

  • View the website for personal, educational, or noncommercial purposes
  • Download materials that are expressly made available for downloading
  • Print reasonable portions for personal study
  • Share a link to a publicly available webpage
  • Quote brief portions with proper attribution, subject to applicable copyright law

Unless written permission is obtained, you may not:

  • Republish substantial portions of the website
  • Reproduce or distribute complete downloadable documents
  • Sell, license, or commercially exploit website materials
  • Remove copyright, attribution, or ownership notices
  • Alter materials in a way that misrepresents their meaning
  • Present the content as your own
  • Use BRI Quarterly Newsletter branding to imply an unauthorized affiliation
  • Create derivative commercial products from the materials
  • Upload substantial unpublished materials to public repositories or commercial artificial-intelligence training systems

Requests for permission may be sent to the contact address listed below.

Downloadable and Review Materials

Certain book proposals, sample chapters, drafts, presentations, handouts, or other documents may be made available for review.

Unless otherwise stated, permission to download such materials is limited, personal, nonexclusive, revocable, and nontransferable.

Receiving access to a manuscript, review copy, presentation, or other document does not grant permission to:

  • Publish or distribute it
  • Forward it broadly to others
  • Post it online
  • Sell it
  • Remove attribution
  • Claim authorship
  • Use substantial portions in another publication without permission

Reviewers may quote limited portions when reasonably necessary to provide private feedback, an authorized endorsement, or a lawful review.

User Communications and Submissions

When you send comments, suggestions, corrections, questions, endorsements, manuscript feedback, or other communications, you represent that you have the right to provide that material.

Unless a separate written agreement states otherwise:

  • Communications are not considered confidential
  • Submission does not create a professional relationship
  • We are not obligated to use or respond to submitted material
  • General suggestions and ideas may be considered without compensation
  • You retain ownership of original material you submit

We will not intentionally publish your private correspondence or identify you as an endorser without appropriate permission.

Do not send trade secrets, privileged materials, account credentials, Social Security numbers, confidential client information, or other highly sensitive information through the website or ordinary email.

Seminars, Workshops, and Speaking Engagements

Descriptions of seminars, workshops, courses, speaking engagements, and educational services are provided for general information.

Dates, speakers, locations, schedules, content, formats, and availability may change. Registration for a particular event may be subject to additional terms, fees, cancellation policies, venue requirements, or written agreements.

When separate event or service terms conflict with these website Terms of Use, the more specific written terms for that event or service will control.

Attendance at an educational event does not create an individualized advisory or fiduciary relationship.

Endorsements and Testimonials

Any endorsement, testimonial, review, or statement appearing on the website reflects the experience or opinion of the person identified.

Testimonials do not guarantee that another person will have the same experience or obtain any particular financial, educational, professional, or spiritual result.

No endorsement should be interpreted as a guarantee of investment performance, publication, professional success, or any other outcome.

The website may contain links to third-party websites, publications, companies, ministries, professional organizations, financial products, research sources, social-media platforms, and other external resources.

These links are provided for convenience, reference, or education. BRI Quarterly Newsletter and Financial Risk Management, LLC do not control and are not responsible for third-party:

  • Content
  • Accuracy
  • Availability
  • Security
  • Privacy practices
  • Products
  • Services
  • Opinions
  • Terms of use

A link does not necessarily constitute endorsement of everything associated with the linked organization or website.

Your use of third-party websites is governed by their own policies and terms.

Prohibited Conduct

You agree not to:

  • Use the website for unlawful or fraudulent purposes
  • Attempt to gain unauthorized access to the website or its systems
  • Introduce malicious software, automated attacks, or harmful code
  • Scrape or systematically extract content without permission
  • Interfere with the website’s operation or security
  • Impersonate another person or organization
  • Misrepresent your affiliation with BRI Quarterly Newsletter
  • Use the content to promote fraud, deception, or illegal activity
  • Violate intellectual-property or privacy rights
  • Send unsolicited commercial messages through website contact information

Access may be restricted or terminated when misuse is suspected.

No Warranties

The website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, BRI Quarterly Newsletter, Financial Risk Management, LLC, and their owners, authors, employees, contractors, and affiliates disclaim all express or implied warranties, including warranties of:

  • Accuracy
  • Completeness
  • Availability
  • Merchantability
  • Fitness for a particular purpose
  • Noninfringement
  • Security
  • Investment performance
  • Particular results

No oral or written statement obtained through the website creates a warranty not expressly stated in these terms.

Limitation of Liability

To the fullest extent permitted by applicable law, BRI Quarterly Newsletter, Financial Risk Management, LLC, Robert E. Brooks, and their respective owners, employees, authors, contractors, representatives, and affiliates will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to:

  • Use of or inability to use the website
  • Reliance on website content
  • Investment or financial decisions
  • Errors, omissions, or outdated information
  • Downloaded materials
  • Third-party websites or services
  • Unauthorized access, security incidents, or interruptions
  • Seminar, workshop, or event participation

Some jurisdictions do not permit certain exclusions or limitations of liability. In those jurisdictions, liability will be limited to the greatest extent permitted by law.

Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless BRI Quarterly Newsletter, Financial Risk Management, LLC, and their owners, authors, employees, contractors, representatives, and affiliates from claims, liabilities, damages, losses, and reasonable costs arising from:

  • Your misuse of the website
  • Your violation of these Terms of Use
  • Your infringement of another person’s rights
  • Content or materials you submit
  • Your unlawful or unauthorized conduct

Changes to the Website or Terms

The website, its content, and these Terms of Use may be revised, suspended, or discontinued at any time.

Updated terms will be posted on this page with a revised effective date. Your continued use of the website following an update constitutes acceptance of the revised terms.

Governing Law

These Terms of Use are governed by the laws of the State of Alabama, without regard to conflict-of-law principles.

To the extent permitted by law, disputes arising from these terms or use of the website will be brought in an appropriate state or federal court located in Tuscaloosa County, Alabama.

Severability

If any provision of these Terms of Use is determined to be invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will continue in effect.

No Waiver

Failure to enforce any provision of these Terms of Use does not waive the right to enforce that provision or any other provision later.

Entire Agreement

These Terms of Use, together with the Privacy Policy and any applicable written event or service agreement, constitute the agreement governing use of this website.

Contact

Questions about these Terms of Use or requests for permission may be directed to:

BRI Quarterly Newsletter
An educational project of Financial Risk Management, LLC
Email: rbrooks@BRIQNewsletter.com