Terms of Service

A. General Terms

1. User Consent to the TOS.

You represent that you have read and agree to be bound by these Terms of Service ("TOS").

2. Intellectual Property.

This website, and all of the content it contains or may in the future contain—including but not limited to text, content, photographs, video, audio, graphics, visual designs, data products, software, maps, guides, articles, branding elements, and all associated trademarks, service marks, trade names, trade dress, copyrights, logos, domain names, code, patents and any other form of intellectual property (collectively, the "Service")—are owned or licensed by Walden LLC or its affiliates and are protected from unauthorized use, reproduction, and dissemination by applicable intellectual property laws, including U.S. and international copyright, trademark, and trade secret laws.

The Service is also protected as a collective work or compilation under U.S. copyright law. You agree to abide by all applicable laws and any additional copyright notices or restrictions contained in the Service. You acknowledge that the Service has been developed and curated by Walden LLC ("Walden") and other contributors through substantial time, resources, and proprietary judgment, and constitutes valuable intellectual property.

All present and future rights in the Service—including rights to trade secrets, patents, copyrights, trademarks, know-how, and all applications and registrations—remain the sole and exclusive property of Walden or the original rights holder. Except as expressly allowed under these TOS, you may not copy, reproduce, publish, transmit, distribute, or otherwise exploit the Service or any part thereof without Walden’s prior written consent.

3. Restrictions on Use.

You agree not to use the Service for any unlawful purpose or in any way that conflicts with these TOS. You may only use the Service for your own internal, non-commercial purposes. You may not use, distribute, or transfer any material from the Service in any way that would compete with or harm Walden or its licensors.

Unless specifically authorized in writing by Walden, you may not:

Copy, reproduce, republish, modify, upload, frame, reverse engineer, decompile, display, perform, transmit, license, create derivative works from, or otherwise exploit any portion of the Service.
Use the Service or its content to build a competing database or product.
Redistribute, resell, or repackage any content for commercial gain or external publication.
Interfere with, attempt to breach, or disrupt the security or integrity of the Service, its infrastructure, or any associated systems.

You agree not to introduce harmful content, including viruses or malware, nor submit any material that:

Is unlawful, harassing, abusive, defamatory, vulgar, obscene, or otherwise objectionable;
Infringes on third-party rights;
Constitutes spam, unsolicited marketing, or other disruptive content.

You may not impersonate Walden or its affiliates, nor use any logos, marks, or branding in a way that implies endorsement without written permission.

4. License.

(i) You obtain no rights or licenses in the Service beyond the limited right to access and use it for your own internal purposes under these TOS. If you download any materials from the Service, you do so under a limited, non-exclusive license for personal use only. This license does not transfer ownership or grant any further rights.

(ii) Walden does not accept unsolicited creative submissions. Any such materials sent voluntarily by you (collectively, "Submissions") will be considered non-confidential and non-proprietary. You grant Walden a perpetual, royalty-free, irrevocable, transferable, worldwide license to use, reproduce, display, distribute, modify, and otherwise exploit such Submissions in any media without compensation or attribution.

You represent and warrant that:

You are the original creator or have full rights to submit the content;
Your Submissions do not infringe on any third-party rights;
You waive any moral rights or claims to attribution or compensation related to Walden’s use of the Submissions.

Walden assumes no responsibility for the content of any user submissions and disclaims liability for their use. Your submission does not create any confidential, fiduciary, or other special relationship between you and Walden.

You agree that any dispute regarding use of your Submission will be limited to monetary damages and that injunctive or equitable relief is not warranted.

5. Fees and Payments.

Walden reserves the right to charge fees for access to specific portions of the Service or for the Service as a whole. If such fees apply, users may be required to register and create an account.

You agree to:

Pay all applicable fees and taxes associated with your use of any paid portion of the Service;
Pay for any products or services purchased through the Service;
Be responsible for all charges incurred under your account.

Certain services may require a prepaid fee ("Prepaid Fee"), which must be paid in full before access is granted. All fees are non-refundable unless explicitly stated otherwise. Access to premium content, data, or products may be limited until payment is received and processed in full.

6. Registration and Account Creation.

As part of the registration process necessary to access certain portions of the Service—including those requiring payment or subscription—you will be required to create an account with a username and password. You agree to provide Walden LLC ("Walden") with accurate, current, and complete registration information and to update it as necessary.

You agree that you will not:

Select or use a username of another person with intent to impersonate that person;
Create an account for anyone other than yourself without authorization;
Use a username that belongs to someone else without appropriate rights or permission;
Use a username that Walden, in its sole discretion, deems offensive or inappropriate.

Walden reserves the right to reject or terminate any account if it cannot verify the authenticity of your information. You are solely responsible for maintaining the confidentiality of your password and for all activity conducted under your account.

You agree to promptly notify Walden at privacy@waldeninsight.com of any unauthorized use of your account or any other breach of security, including theft, loss, or unauthorized disclosure of login credentials or payment information.

You agree not to:

Sell, transfer, or assign your account or any associated rights;
Allow use of your account by anyone under the age of eighteen (18);
Maintain more than one active account at any given time;
Re-register if your account has been disabled or terminated by Walden, without our express written permission.

If the device you used to access the Service is sold or transferred, you agree to delete all files, cookies, or cached content associated with the Service.

You may terminate your account by contacting Walden via email. Upon termination, you will receive written confirmation and your account will be deactivated within five (5) business days. You remain responsible for all fees and charges incurred through the date of termination. Walden reserves the right to pursue any claims arising from use or misuse of your account, even after termination.

7. Disclaimer and Limitation of Liability.

(i) YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR OWN RISK. THE SERVICE, INCLUDING ALL CONTENT, DATA, FEATURES, TOOLS, AND MATERIALS, IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WALDEN LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, TITLE, OR FITNESS FOR A PARTICULAR PURPOSE, OR ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WALDEN DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE FROM VIRUSES, MALWARE, OR OTHER HARMFUL COMPONENTS. WALDEN MAKES NO REPRESENTATION THAT THE SERVICE IS LEGALLY COMPLIANT OUTSIDE THE UNITED STATES OR THAT THE SERVICE WILL BE APPROPRIATE FOR USE IN OTHER JURISDICTIONS.

(ii) WALDEN LLC, ITS SUPPLIERS, AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO THE SERVICE, INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE, PROFITS, DATA, OR GOODWILL, EVEN IF WALDEN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This includes, without limitation:

Incompatibility of the Service with your devices or software;
Viruses or malware transmitted through the Service;
Faults or failures arising from your equipment or internet provider;
Linked third-party websites, services, or content.

Walden is not responsible for Third Party Sites or content accessed via links from the Service. These are provided for convenience only and do not constitute endorsement. You assume all risk when accessing such third-party services.

(iii) You acknowledge that:

The Service is provided for informational purposes only and is not intended for commercial investment, legal, or financial advice;
Walden does not guarantee the accuracy, completeness, or timeliness of the content or its availability;
Any use of third-party information (including geospatial data, mapping APIs, government datasets, etc.) is subject to the terms of those providers;
The Service is not intended for use or distribution in jurisdictions where such use would violate applicable law.

(iv) TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF WALDEN LLC TO YOU FOR ANY AND ALL DAMAGES, LOSSES, OR CAUSES OF ACTION SHALL NOT EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESS TO THE SERVICE. YOU AGREE THAT THIS LIMITATION SHALL APPLY TO ALL CLAIMS REGARDLESS OF THE FORM OF ACTION.

California Waiver:
BY USING THE SERVICE, YOU AGREE TO WAIVE ALL RIGHTS UNDER CALIFORNIA CIVIL CODE SECTION 1542 (AND EQUIVALENT LAWS IN OTHER STATES), WHICH STATES:

"A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR."

You acknowledge and agree that you may hereafter discover claims or facts that were previously unknown or unsuspected, and you nevertheless agree to release Walden from all such claims now or in the future.

8. Your Authority to Agree to this TOS.

You represent and warrant that:

You are at least eighteen (18) years old;
You have the legal authority and capacity to enter into this agreement;
If you are agreeing to these TOS on behalf of a company, organization, or other legal entity, you have the authority to bind that entity to these TOS.

9. Sponsor Content

(i) What Is Sponsor Content?
"Sponsor Content" consists of: (i) all paid-for content created by Walden LLC ("Walden") or its custom content team in collaboration with advertisers and served by or appearing on any Walden medium; and (ii) paid-for content supplied by advertisers that is served by or appears on any Walden medium. These categories include any paid-for content purchased under industry standard agreements.

(ii) Standards and Procedures for Sponsor Content
All Sponsor Content will comply with Walden’s guiding principles:

Transparency: Sponsor Content will be clearly and distinctly labeled and differentiated from Walden’s editorial content.
Independence: No Walden editorial team member will participate in the creation or promotion of Sponsor Content. Sponsors will not influence editorial direction.
Editorial Judgment: Walden retains the right to reject any Sponsor Content that compromises its brand or standards.

All Sponsor Content will:

Be clearly labeled as sponsored or paid content;
Not imply endorsement by Walden;
Not use Walden logos or trademarks without prior written consent;
Be approved in writing by Walden prior to publication;
Include a disclaimer such as: "This content was paid for and provided by a sponsor. It does not reflect the editorial views of Walden LLC."

Walden reserves the right to remove any content or advertiser that discredits Walden or is found to be false, misleading, or illegal.

Where applicable, event sponsors will be clearly identified in all relevant marketing and on-site materials. Sponsorship does not guarantee speaking roles or editorial involvement.

10. Indemnification

You agree to indemnify, defend, and hold harmless Walden LLC, its affiliates, officers, directors, employees, agents, and representatives from any and all claims, damages, liabilities, losses, costs, or expenses (including reasonable legal fees) arising from or related to:

Your use or misuse of the Service;
Any breach of these TOS by you or anyone using your account;
Any content or materials submitted by you;
Any violation of third-party rights, including intellectual property or privacy rights.

Walden reserves the right, at its own expense, to assume exclusive defense of any matter subject to indemnification. You agree to cooperate fully in such defense.

11. Termination

(a) You may terminate these TOS at any time by ceasing use of the Service and destroying all downloaded or copied materials.

(b) Walden may suspend or terminate your access to the Service, in whole or in part, with or without notice, and for any reason, including violation of the TOS.

(c) Upon termination, you must immediately cease use and delete all copies of materials obtained through the Service. Termination will not affect Walden’s rights or your obligations under any surviving provisions of these TOS.

12. Non-U.S. Residents & Jurisdictional Issues

(i) Walden operates the Service from the United States and makes no representation that its content is appropriate or available in other jurisdictions. You access the Service from outside the U.S. at your own risk and are responsible for compliance with local laws.

(ii) The Service is controlled and operated by Walden from its offices in Oregon, United States.

13. Governing Law

These TOS shall be governed by and construed in accordance with the laws of the United States and the State of Oregon, without regard to conflict of law principles. You consent to the exclusive jurisdiction and venue of the state and federal courts located in Multnomah County, Oregon, for any non-arbitrable dispute.

14. Mandatory Arbitration and Class Action Waiver

You and Walden agree to resolve all disputes through binding arbitration administered by National Arbitration and Mediation (NAM), in accordance with the Federal Arbitration Act (FAA), and waive any right to a jury trial or to participate in a class or representative action. Disputes include any claim or controversy relating to your use of the Service or these TOS.

Informal Dispute Resolution: Before filing for arbitration, both parties agree to attempt informal resolution by contacting the other in writing. If unresolved within 60 days, either party may initiate arbitration.

Scope: Arbitration will be conducted individually. No class, collective, or consolidated actions will be permitted.

Location and Procedure: Arbitration will be held in Oregon (or a mutually agreed-upon location), or remotely by video or phone. NAM rules will apply.

Fees and Costs: Walden will cover arbitration fees above $250 unless the claim is found to be frivolous. Each party bears its own legal fees unless otherwise permitted by law.

Opt-Out Right: You may opt out of arbitration within 30 days of first using the Service by sending written notice to legal@waldeninsight.com with the subject "ARBITRATION OPT-OUT."

If any part of this arbitration provision is deemed invalid, the remainder shall remain in full force, except that if the class action waiver is found unenforceable, this arbitration agreement shall be null and void.

15. Class Action Waiver

You may only resolve disputes with Walden LLC on an individual basis. You may not bring a claim as a plaintiff or class member in any class, collective, consolidated, or representative action. Except as permitted under Section 14(vi), class actions, class arbitrations, collective actions, private attorney general actions, and consolidation with other arbitrations are not permitted.

16. Compliance, Reputational, Operational and Other Considerations

You represent and warrant that neither you nor any person acting on your behalf will use the Service or any content created using the Service in connection with: (i) Activities related to nuclear, chemical, or biological weapons proliferation; terrorism or its financing; corruption; the subversion of democratic rights; money laundering; tax evasion; human rights violations; or other similarly unlawful or unethical activities; or (ii) In or for the benefit of the non-Ukraine-government-controlled regions of Ukraine, Syria, Cuba, North Korea, or Iran (each an "Excluded Jurisdiction").

17. Economic Sanctions & Export Controls

You acknowledge that the Service and related content may be subject to export control and sanctions laws. You represent and warrant that neither you nor anyone acting on your behalf shall use the Service in violation of: (i) Any economic sanctions maintained by the United States, United Nations, European Union, or United Kingdom ("Sanctioning Authorities"); (ii) Any prohibitions related to Sanctioned Jurisdictions or Excluded Jurisdictions as defined herein; (iii) Any restrictions involving entities or individuals identified by a Sanctioning Authority as sanctioned or blocked parties ("Prohibited Parties"); or (iv) Any prohibition under applicable sanctions laws, including U.S. restrictions related to investments or services in or to Russia.

Each time you access the Service, you reaffirm that neither you, nor anyone you act on behalf of, is a Prohibited Party or located in an Excluded or Sanctioned Jurisdiction.

18. Miscellaneous

You acknowledge that Walden LLC reserves the right to modify any aspect of the Service, including content or technical specifications, at any time without notice. Such changes may impact your ability to access the Service. Failure by Walden to enforce any right or provision in these TOS does not constitute a waiver.

Sections 2 through 10, 11(c), and 12 through 21 shall survive termination of these TOS.

19. Headings

Headings are provided for convenience only and shall have no legal or contractual effect.

20. Severability

If any provision of these TOS is found unenforceable or invalid, that provision will be enforced to the fullest extent permitted, and the remaining provisions shall remain in full force and effect.

21. Entire Agreement

These TOS and any other legal notices or terms published by Walden LLC constitute the entire agreement between you and Walden regarding use of the Service, superseding any prior agreements. These TOS may not be modified except in a written amendment signed by an authorized representative of Walden.

B. SUBSCRIPTION TERMS

1. Payment Policy

Subscriptions purchased through Walden’s official subscription channels are billed either monthly or annually. Your selected payment method will be charged automatically on a recurring monthly or annual basis. Your subscription will renew automatically unless you cancel before the start of your next billing cycle.

If you subscribed under an introductory offer, your payment method on file will be automatically charged the full subscription rate at the end of the introductory period.

a. Student Subscriptions
Eligible students enrolled in undergraduate or graduate programs who are over the age of 18 may qualify for discounted student pricing on Walden subscriptions. Once student status ends or cannot be verified, the subscription will automatically renew at the standard subscription rate.

b. Free Subscriptions
By accepting a free subscription, you confirm compliance with your organization’s internal policies and all applicable anti-corruption laws. You also confirm that nothing of value has been offered to Walden in return. Free subscriptions are valued at approximately $150 USD.

c. Gift Subscriptions
A Walden gift subscription entitles the recipient to a one-year digital subscription starting upon activation. Gift subscriptions are non-transferable, not redeemable for cash, and not valid for existing subscribers. The associated activation code is single-use only and cannot be combined with any other offers. Walden reserves the right to cancel any gift subscription purchased through unauthorized resellers or found to be fraudulently obtained. Lost or stolen codes will not be replaced. Continued access beyond the initial term will require the recipient to subscribe under Walden’s standard terms.

2. Cancellation & Refund Policy

To change or cancel your subscription, sign in to your Walden account and contact support through the designated customer service channel.

Walden may, at its sole discretion, issue refunds or credits. The issuance of a refund or credit does not obligate Walden to offer the same treatment in the future.

If your subscription was purchased through a third party, their policies govern cancellation and refunds.

a. Monthly Subscriptions
If you cancel, future billing will cease, but you will retain access and benefits through the end of your current monthly billing cycle. No refunds will be issued for partial months.

b. Annual Subscriptions
If you cancel, your subscription will remain active through the end of the annual term, after which it will not renew. No prorated or full refunds will be provided for unused time.

3. Promotional Discounts & Introductory Offers

Walden may periodically offer reduced introductory pricing for a limited time to new subscribers. These offers are only available to first-time subscribers. Walden reserves the right to determine eligibility and to reject any subscription order not qualifying for promotional pricing.

By redeeming an Introductory Offer, you agree to provide valid payment information. Unless canceled before the end of the introductory period, your payment method will be automatically charged the full subscription rate on a recurring basis.

IF YOU DO NOT WANT THIS CHARGE, YOU MUST CANCEL YOUR SUBSCRIPTION BEFORE THE END OF THE INTRODUCTORY PERIOD BY CONTACTING CUSTOMER SUPPORT. IF YOU RECEIVED YOUR INTRODUCTORY OFFER THROUGH A THIRD PARTY, YOU MUST CANCEL THE APPLICABLE PAID SUBSCRIPTION THROUGH THE THIRD PARTY.

4. Acceptable Use

Subscriptions are granted to individual users with a verified work or personal email address. Subscribers may not use Walden’s name, logo, trademarks, or other branding without prior written consent.

Walden grants each subscriber a limited, non-exclusive, non-transferable license to access the content solely for personal use or internal organizational purposes, such as market research, insight generation, and strategic decision-making. Redistribution or external commercial use is prohibited without written authorization.

C. LINKING AND FRAMING TERMS AND CONDITIONS

YOU MAY NOT FRAME THIS WEBSITE, OR ANY PORTION THEREOF, EXCEPT AS PROVIDED HEREIN. IF YOU LINK TO THIS WEBSITE, OR ANY PORTION THEREOF, WE REQUIRE THAT YOU FOLLOW THESE TERMS.

1. Intellectual Property

Upon linking to this website pursuant to the TOS, you will be granted a non-exclusive, non-transferable, royalty-free sublicense to use the WALDEN name solely for providing an underlined, textual link from your website to waldeninsight.com. No other use of Walden’s marks, names, or logos is permitted without express written permission from Walden LLC.

2. Restrictions on Linking to this Website

You may include link(s) on your website to publicly accessible pages on waldeninsight.com (i.e., those that do not require login). You may not link to Walden content from any website that contains inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful content, or content that violates intellectual property or privacy rights. The link must not damage or dilute the goodwill associated with Walden’s brand, nor create the false impression of an affiliation with Walden.

Walden reserves the right to terminate or deny any link at its sole discretion, including if it deems your site inappropriate or incompatible with Walden’s brand or these TOS.

3. Restrictions on Framing Activities

Walden LLC is concerned about the integrity of its website when accessed or displayed in environments created by third parties. You may not frame any Walden webpage without express written permission. Archiving, caching, or mirroring any content from waldeninsight.com is also prohibited.

If you would like to reprint, frame, or redistribute Walden content, you must request permission in writing to legal@waldeninsight.com and include:

Your name, email address, and phone number;
Your company name (if applicable);
The website address(es) where the use will occur;
A description of the content and proposed use.

D. INQUIRIES REGARDING THIS SITE’S CONTENT

For inquiries regarding this site’s content, please contact us at support@waldeninsight.com.

E. CURRENCY DATA DISCLAIMERS

If Walden provides access to currency, pricing, or financial data as part of the Service, such data is provided for informational purposes only and is not guaranteed to be accurate, real-time, or suitable for financial decision-making. Walden disclaims all responsibility for reliance on any such data and recommends consulting official sources for time-sensitive financial actions.

F. LAW ENFORCEMENT DATA REQUEST STATEMENT

Walden complies with all applicable legal obligations regarding disclosure of user information in response to valid law enforcement or regulatory requests. To submit such a request, please email legal@waldeninsight.com with appropriate documentation. We reserve the right to notify affected users unless legally prohibited.

G. INTELLECTUAL PROPERTY ISSUES

1. General Inquiries

Please send general inquiries regarding intellectual property issues to legal@waldeninsight.com.

2. Copyright Agent for Infringement Claims (DMCA)

If you believe that any content appearing on this site has been copied in a way that constitutes copyright infringement, please submit a written notice with the following information:

a. Your name, address, telephone number, and email address; b. A description of the copyrighted work you believe has been infringed; c. The exact URL or a description of where the infringing material is located; d. A statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; e. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; and f. A statement under penalty of perjury that the information provided is accurate and that you are the copyright owner or authorized to act on their behalf.

Copyright Agent:
Legal Department, Walden LLC
7685 SW 91st Ave, Portland, OR 97223
Phone: (888) 828-2133
Email: legal@waldeninsight.com

3. Trademark Notice

H. PRIVACY POLICY FOR THIS WEBSITE

For information on how we collect, use, and protect your personal data, please visit our Privacy Policy.

Date of last update: July 20, 2025