Welcome to Nerra Network ("Site", "Service", "we", "us", "our"). These Terms of Service ("Terms") govern your access to and use of nerranetwork.com, our podcast platform, newsletter, and all associated services. By accessing or using Nerra Network, you agree to be bound by these Terms.
If you do not agree to these Terms, do not use this Service. We reserve the right to modify these Terms at any time. Continued use of the Service following any changes constitutes your acceptance of the modified Terms.
Nerra Network grants you a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial purposes. You may not:
All content on Nerra Network—including podcast episodes, articles, videos, and resources—is provided for informational and educational purposes only. This content should not be construed as professional advice or a substitute for consultation with qualified professionals.
IMPORTANT DISCLAIMERS: Nerra Network content is not a substitute for professional advice. For health, legal, financial, or investment decisions, consult qualified professionals.
The Modern Investing show and all investment-related content on Nerra Network are for informational purposes only and do not constitute investment advice, a recommendation, or an offer to buy or sell any security.
Patrick Novak (creator of Nerra Network) may personally hold positions in companies, securities, or assets discussed on the show. Any personal investments are not intended as endorsements.
Nerra Network uses artificial intelligence tools to assist with content creation. This includes:
Editorial Control: Patrick Novak (human creator) maintains full editorial control. All topic selection, editorial direction, fact-checking, and final review are performed by Patrick. AI is a tool for efficiency, not editorial decision-making.
See our AI Disclosure Policy for complete details on how AI is used and how we maintain editorial integrity.
Unless otherwise noted, all content on Nerra Network—including podcast episodes, written articles, graphics, logos, and show names—is the exclusive property of Nerra Network and protected by copyright and intellectual property laws.
By submitting comments, feedback, or content to Nerra Network, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and modify that content. You represent that you own or have permission to share any content you submit.
Nerra Network respects intellectual property rights. If you believe content on our site infringes your copyright, please contact us immediately with documentation of your claim.
Nerra Network is provided "AS IS" without warranties of any kind, either express or implied. We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by law, Nerra Network shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, including but not limited to:
Our total liability shall not exceed the amount you have paid to Nerra Network in the past 12 months (if any).
You agree to indemnify, defend, and hold harmless Nerra Network, Patrick Novak, and their respective officers, employees, and agents from any claims, damages, or losses arising from:
You agree not to:
We reserve the right to remove content and suspend or terminate accounts that violate these Terms.
Nerra Network may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of external sites. Your use of third-party sites is subject to their terms and privacy policies. Inclusion of a link does not imply endorsement.
Nerra Network is committed to accessibility. If you experience difficulty accessing any content, please contact us at patricknovak1@gmail.com with details of the issue.
We may modify, suspend, or discontinue the Service at any time without notice. We are not liable for any unavailability or loss of content due to technical issues, maintenance, or other reasons beyond our control.
We reserve the right to terminate your access to the Service at any time for violation of these Terms or for any other reason. Upon termination, your right to use the Service ceases immediately.
These Terms are governed by the laws of British Columbia, Canada, without regard to conflict of law principles.
You agree that any legal action or proceeding arising under these Terms shall be brought exclusively in the courts of British Columbia, Canada, and you consent to the jurisdiction of such courts.
Before pursuing legal action, we encourage you to contact us at patricknovak1@gmail.com to attempt an informal resolution.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy and any other policies posted on the Site, constitute the entire agreement between you and Nerra Network regarding your use of the Service and supersede all prior agreements.
If you have questions about these Terms of Service, please contact:
Patrick Novak
Nerra Network
Vancouver, British Columbia, Canada
Email: patricknovak1@gmail.com