Winners and Whiners, as with any modern organization, must have legal policies and disclaimers in order to comply with laws and regulations. As a convenience we have provided a summary for each document in normal language - but our lawyers want us to stress that you should read each document in full.
When you access free content on our site, this agreement applies to you. It contains some general disclaimers like we can't guarantee the availability of our site or its usefulness for you. It also prohibits you from plagiarizing our content or doing other illegal acts. Read our Terms of Service here.
If you sign-up for our Insider's Program, this agreement applies to you. It covers the specific services we provide as part of the Insider's Program, going beyond the General Terms of Service. Read our Insider's Terms of Service here.
If you purchase premium picks on our website, this agreement applies to you. It covers the specific terms for any services we provide you in connection to your purchase of Premium Picks, including our policy around refunds and delivery of your purchase. Read our Premium Picks Terms of Service here.