Terms of Service

1. Agreement to these terms

These Terms of Service govern your access to and use of earningswhispers.com and the data, research, newsletters, and tools offered through it (the “Service”). By using the Service or creating an account, you agree to them. If you don’t agree, don’t use the Service.

We may change these terms. When we make a material change, we’ll post notice on the site and email registered members before it takes effect, and update the date at the top. Continuing to use the Service after a change takes effect means you accept it. We won’t apply changes retroactively to a subscription term you’ve already paid for.

2. Who we are

The Service is operated by WebTools, LLC, d/b/a EarningsWhispers.com (“Earnings Whispers,” “we,” “us”), a Missouri limited liability company. Contact details are in section 21.

3. The Service

Earnings Whispers publishes earnings expectations, investor sentiment, guidance, proprietary indicators, and research. Some of it is free; some requires a paid subscription at the Investor or Trader tier.

You must be at least 18 and able to form a binding contract to open an account. We may change, add, or discontinue features at any time. If we discontinue a paid feature that was central to your subscription mid-term, contact us and we’ll sort out a fair adjustment.

4. Your account

Keep your password to yourself and your account details accurate. You’re responsible for activity under your account. Tell us promptly at support@earningswhispers.com if you think someone else has access.

One person per account. Subscriptions are personal and non-transferable. Sharing credentials, or using one account across a desk, team, or organization, isn’t permitted — that’s what a licensing arrangement is for, and we’re happy to talk about one. We monitor for concurrent and geographically implausible sessions.

5. Not investment advice

Everything on Earnings Whispers is general information published to a broad audience. It is not personalized investment advice, it does not account for your circumstances, goals, risk tolerance, or tax position, and it is not a recommendation or solicitation to buy or sell any security. We are not your broker, investment adviser, financial planner, accountant, or lawyer.

Some of what we publish is, by its nature, an expectation rather than a fact. The Earnings Whisper® number is an estimate of what the market expects, not a prediction of what a company will report or how its stock will react.

Our writers express their own views, and you may find them disagreeing with each other — different indicators cover different time horizons and can point different ways at once. That’s the nature of the work, not an error.

Past performance does not indicate future results. Backtests and historical statistics describe what happened before; they are not a forecast. Trading and investing involve risk, including total loss of capital. Every decision you make is yours.

6. Subscriptions, payment and cancellation

Payment

We accept Visa, Mastercard, American Express and Discover. Payments are processed by a third-party payment processor under its own terms and privacy policy; card numbers never reach our servers. Keep your payment details current so we can complete transactions, and authorize us to attempt payment more than once if an attempt fails. Prices are in US dollars, and sales tax is added where required.

Automatic renewal

Subscriptions renew automatically at the end of each term for a further term of the same length, at the price then in effect, and we will charge your payment method on that recurring basis until you cancel. We tell you the term length and the renewal price before you subscribe, and your confirmation email repeats them.

Cancellation

You can cancel at any time from your subscription settings , in no more steps than it took to subscribe, without calling anyone, waiting for business hours, or explaining yourself. If you’d rather a person did it, email support@earningswhispers.com or use our contact form and we will.

Cancelling stops the next renewal. It doesn’t cut off access you’ve already paid for — you keep the Service to the end of the current term.

Cancelling a free trial before it ends means you are never charged. Same place, same two clicks, and you keep Trader access for the rest of the trial.

Price changes

We may change prices. A change never affects a term you’ve already paid for, and we’ll give you notice before a renewal at a higher price so you can cancel first if you’d rather.

Free trials

The Trader service is offered with a no-obligation free trial. The Investor service is not. A trial gives you the full Trader service at no cost for the trial period. Unless you cancel before the trial ends, it converts automatically into a paid subscription and your payment method is charged at the then-current price. We tell you the trial length, the conversion date, and the price you’ll be charged before you start, and again in your confirmation email. Cancel before that date in your subscription settings and nothing is charged.

Trials are limited to one per person. Opening additional accounts to take repeated trials is a breach of these terms; those accounts may be closed, and purchases made through them are not eligible for refund or credit.

7. EU, EEA, UK and Swiss consumers

If you are a consumer in the European Union, the European Economic Area, the United Kingdom, or Switzerland, you have rights under your local law that these terms cannot reduce. Nothing here limits them, and where anything in these terms conflicts with them, your local law wins.

Your right to withdraw

You have 14 days from the day your contract with us is concluded to withdraw from it, without giving a reason. Your contract is concluded when you complete signup — which, if you started a free trial, means the day the trial began, not the day of your first payment.

Because the withdrawal right arises once per contract, a free trial converting into a paid subscription, and each later renewal, do not start a new 14-day period. We tell you before you sign up what the trial costs, when it converts, and what you will be charged.

Starting immediately, and what it costs you

Access to the Service begins the moment you sign up, because that’s the point of it. When you sign up, you expressly ask us to begin providing the Service during the withdrawal period, and acknowledge that if you then withdraw, you will owe a proportionate amount for the period you had access before withdrawing. We refund the balance.

If you withdraw without having used the Service at all, you owe nothing and we refund in full.

How to withdraw

Email support@earningswhispers.com or use our contact form, or write to us at the postal address in section 21, with a clear statement that you are withdrawing. You may use the model withdrawal form in your local law, but you don’t have to — any clear statement works, and sending it before the 14 days are up is enough. Cancelling in your subscription settings within those 14 days counts as a clear statement too; you don’t need to write separately. We’ll acknowledge your request promptly and refund within 14 days of receiving it, using the same payment method you paid with.

Your other rights

Statutory guarantees about the Service conforming to what we described are unaffected. If we can’t resolve a complaint, EU consumers may use the European Commission’s online dispute resolution platform, and UK consumers may refer the matter to an approved alternative dispute resolution provider. Section 18’s choice of Missouri law does not deprive you of the protection of the mandatory rules of the country you live in, or of the right to bring proceedings in your local courts.

8. Refunds

Outside the withdrawal right described in section 7, subscription fees are generally non-refundable, and cancelling stops future renewals rather than refunding the current term. That’s why the Trader service has a free trial — so you can find out whether it suits you before paying anything.

That said, we’re a small company and we’d rather be fair than be technically correct. If you were charged in error, charged after cancelling, renewed unintentionally and haven’t used the new term, or couldn’t access what you paid for, write to us and we’ll put it right. Nothing here affects any refund right you have under the law where you live, or your ability to dispute a charge with your card issuer.

9. Our content, data and marks

The Service and everything in it — data, text, charts, graphics, images, software, and the selection, arrangement and presentation of all of it — belongs to Earnings Whispers or its licensors, and is protected by copyright, trademark, trade secret, and other laws in the United States and internationally. All rights not expressly granted are reserved.

Individual facts aren’t owned by anyone. What is ours is the work of gathering, verifying, weighting, and organizing them — our compilations, our proprietary calculations, and the form in which we present them. Copying the output of that work is not the same as reporting a fact.

Our marks

Earnings Whispers®, Earnings Whisper®, and Whisper Report® are registered trademarks of WebTools LLC. Earnings Whisper Score™, Earnings Whisper Grade™, Power Rating™, and Most Anticipated Earnings Releases™, together with our logos and the distinctive look of our charts and graphics, are trademarks of Earnings Whispers (collectively, the “EW Marks”). We also claim trade dress rights in the distinctive appearance of our published charts and calendars, described in section 10. Registrations are held in the name of the company identified in section 2.

You may not use the EW Marks — or anything confusingly similar — in a way that suggests we endorse, sponsor, supply, or are affiliated with you, your product, your newsletter, your channel, or your data. Other marks appearing on the Service belong to their owners.

10. Most Anticipated Earnings Releases™

Most Anticipated Earnings Releases™ is our weekly calendar of the companies our audience is watching most closely, published since well before anyone else used the phrase.

It is not a list of large companies, and it is not a list anyone can reproduce from public sources. Which companies appear, and in what order, is determined by the activity and interest of Earnings Whispers users — our own audience, measured through our own methodology, on our own platform. The result exists only because we have that audience. The selection, the ranking, the methodology behind them, and the design of the calendar graphic are all our proprietary work.

Accordingly, you may not: reproduce or redistribute the calendar graphic other than as permitted in section 11; recreate the calendar in another format or medium; publish the ranking as your own or as an independently derived list; or use the phrase “Most Anticipated Earnings Releases” (or a confusingly similar phrase) as the name of your own product, feature, or recurring publication, or in any way likely to suggest that your version comes from us or is endorsed by us.

The look of the calendar

The distinctive appearance of the calendar — including its tan field, the paired before-open and after-close columns beneath each weekday heading, the tiled arrangement of company logos with the ticker set beneath each tile, the typographic treatment of the heading block, and the diagonal Earnings Whispers watermark — functions as an indicator that the calendar came from us. We claim trade dress rights in that overall look, and we’ve used it consistently for years for exactly that reason.

Producing a calendar that imitates this appearance closely enough that a reasonable viewer might think it came from Earnings Whispers, or was made with our involvement, is not permitted — whether or not our name appears on it, and whether or not the underlying companies differ from ours.

To be clear about what we’re not saying: nobody owns the words “earnings” or “anticipated,” and anyone is free to build their own list of companies they think are worth watching and describe it however they like. What we object to is copying ours, or trading on the recognition of a name we built.

11. What you may do with our content

We’d rather give you a clear way to share our work than pretend nobody ever will.

Personal use

View, save, and print anything on the Service for your own personal, non-commercial use, and use it to inform your own decisions. That’s what it’s for.

Sharing on social media

You may repost our published graphics — including the Most Anticipated Earnings Releases™ calendar — on social media, unmodified, with our watermark and branding intact, and with visible credit to Earnings Whispers and a link to earningswhispers.com. Don’t crop out the attribution, don’t overlay your own branding, and don’t present it as your own work or your own research. This permission is revocable, and it does not extend to using our graphics in advertising or to promote a competing product.

Quoting us

Journalists, researchers, and analysts may quote limited portions of our data in articles, notes, and presentations with clear attribution to Earnings Whispers and, where practical, a link. Reproducing our data at a scale that substitutes for the Service is not quoting.

Occasional internal use

You may include insubstantial portions of our data in memoranda, reports, or presentations distributed on an occasional basis to a limited number of people for a non-commercial purpose, provided you keep all copyright notices and include: “Reprinted with permission from EarningsWhispers.com. Copyright 1998–2026, Earnings Whispers.”

Anything beyond this needs written permission, and we do license our data commercially — write to support@earningswhispers.com rather than guessing.

12. What you may not do

You agree not to:

• Scrape or harvest. Use bots, crawlers, spiders, scripts, headless browsers, or any automated means to access, extract, or copy data from the Service, or to access it other than through the interfaces we provide.
• Republish or resell. Reproduce, retransmit, distribute, sell, sublicense, broadcast, or circulate our data or content to anyone, including within your own organization, except as section 11 permits.
• Build a competing or derived product from our data, or use it to train, fine-tune, or ground a machine learning model, or to create a substitute dataset.
• Share access. Give your credentials to anyone, or use one subscription to serve multiple people.
• Circumvent. Bypass paywalls, rate limits, access controls, or any technical measure protecting the Service; or access it through undisclosed or automated accounts.
• Strip attribution. Remove, obscure, or alter any copyright notice, watermark, branding, or attribution.
• Misrepresent. Present our data as your own, imply we endorse you, or use our marks in a way likely to confuse.
• Interfere. Attack, overload, probe, or disrupt the Service or its infrastructure, or attempt to gain unauthorized access to any part of it.
• Break the law using the Service, including securities, market manipulation, and anti-fraud laws.

Automated access at scale imposes real cost on us and degrades the Service for everyone else. We monitor for it, we block it, and we pursue it. If you want our data programmatically, we have licensing for that — ask.

13. Third-party content and links

The Service draws on many sources and links out to filings, company sites, news coverage, and research we don’t control. Those destinations have their own terms and their own privacy practices, and we’re not responsible for them. Advertisements are the responsibility of the advertiser. A link is not an endorsement.

14. Disclaimer of warranties

Because our information comes from many sources, because expectations and whisper numbers are by nature estimates rather than facts, and because electronic distribution is imperfect, there may be delays, omissions, or inaccuracies.

THE SERVICE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, EARNINGS WHISPERS AND ITS AFFILIATES, AGENTS AND LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTY OF ACCURACY, COMPLETENESS, CURRENTNESS, TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

If you are a consumer in the EU, EEA, UK, or Switzerland, or anywhere else whose law does not permit these exclusions, they do not apply to you to the extent your law says otherwise, and your statutory guarantees remain intact.

15. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER EARNINGS WHISPERS NOR ITS AFFILIATES, AGENTS OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST TRADING GAINS, TRADING LOSSES, LOST DATA, OR LOSS OF GOODWILL, ARISING FROM OR RELATING TO THE SERVICE OR ANY DECISION YOU MAKE IN RELIANCE ON IT, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE, WHETHER IN CONTRACT, TORT, OR OTHERWISE, WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Nothing in these terms excludes liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or anything else that cannot lawfully be excluded. Consumers in the EU, EEA, UK, and Switzerland keep the full protection of their local law, and these limits apply only so far as that law allows.

16. Indemnification

If your breach of these terms, your misuse of the Service, or your infringement of anyone’s rights leads to a claim against us, you agree to indemnify us for the resulting losses, liabilities, and reasonable legal costs. We’ll tell you promptly about any such claim and let you participate in its defense. This does not apply to consumers to the extent local law prohibits it.

17. Suspension and termination

You may stop using the Service at any time. Cancel a subscription in your subscription settings, or ask us to close the account entirely and delete your personal information. We may suspend or close your account if you materially breach these terms — scraping, sharing credentials, redistributing our data, abusing free trials, or chargeback abuse are the usual reasons.

Where the breach is minor or looks like a misunderstanding, we’ll normally warn you first and give you a chance to fix it. Where it’s deliberate or causes immediate harm, we may act at once. If we close a paid account for cause, we’re not obliged to refund the remaining term. Sections 9 through 16, 18, and 20 survive termination.

18. Governing law and disputes

These terms and your use of the Service are governed by the laws of the State of Missouri, without regard to its conflict-of-law rules. You and we consent to the exclusive jurisdiction of the state and federal courts in Missouri for any dispute arising out of or relating to these terms or the Service.

If you are a consumer, this does not deprive you of the protection of the mandatory laws of the country where you live, and it does not prevent you from bringing proceedings in your local courts where your law gives you that right. For EU, EEA, UK, and Swiss consumers, section 7 applies in addition.

Before filing anything, please email us. Most disputes turn out to be misunderstandings that a single conversation resolves.

19. Copyright complaints

If you believe material on the Service infringes your copyright, send a notice to support@earningswhispers.com identifying the work, identifying the material and where it is, giving your contact details, and stating in good faith that the use is unauthorized and that your notice is accurate. We respond to valid notices and terminate repeat infringers.

If you believe your copyright in our material has been infringed elsewhere — for instance, someone reproducing the Most Anticipated Earnings Releases™ calendar without permission — we’d like to hear about that too.

20. General

These terms, together with our Privacy Policy (which is part of them), are the entire agreement between you and us about the Service. If any provision is held unenforceable, the rest continues in force and that provision is limited to the minimum extent necessary. Our not enforcing something immediately doesn’t waive it. You may not assign your rights under these terms; we may assign ours in connection with a merger or sale of the business. We aren’t liable for failures caused by events beyond our reasonable control.