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PARTS OF TERM OF USE, CONDITIONS AND DISCLAIMER AGREEMENT -------------------------------------------- PAYMENT All payments are made through a third party service. We do not collect or store any credit card information and cannot be liable for any lost or stolen credit card numbers. Your name and email address will be made available to all parties to the sale, as required, to complete payment. Any promotion, promotional rates, and any promotional offers expire as soon as a subscriber's account is deactivated as a result of nonpayment, declined payment, cancellation of service, or any other reason. -------------------------------------------- AUTOMATIC RENEWAL POLICY Payment for the appropriate services will be made by automatic credit card debit. SUBSCRIBERS WILL BE AUTOMATICALLY RENEWED FOR THE ORIGINAL TERM UPON EXPIRATION, unless we are notified via email 5 days prior to membership renewal date. Unless, and until this agreement is cancelled by email, Subscriber hereby authorizes to charge Subscriber's credit card to pay for the ongoing cost of membership. -------------------------------------------- CANCELLATION POLICY Subscribers may, at any time and without cause, terminate their subscription to our services. The notice of termination must be sent by e-mail and must clearly indicate the name of the purchased product, the username, as well as the email address that was submitted at the time the product was purchased. Should you desire a confirmation of your cancellation, we also require a valid return email address. If you, the User, wish to cancel your subscription for any reason, you may do so through the Membership Services feature of this Website. Your request must be made 5 or more days in advance of your automatic payment, but there are no refunds of subscription fees previously paid. We provide stock market education and information services over the Internet. Given the specific nature of these services, cancellations or returns cannot be refunded, nor can products be exchanged. When a Subscriber requests termination, full or partial subscription fees are not refunded. Subscribers are liable for charges incurred by them until termination of service. Cancellation of service is not official until Subscriber receives email confirmation from us. If Subscriber does not receive a cancellation confirmation within 48 hours of request (excluding weekends and holidays), Subscriber must re-submit the cancellation and verify that his/her email address is correct. We have the right to terminate at any time, and without cause, subscription or access to our services. -------------------------------------------- REGULAR AND PROMOTIONAL PRICES Under regular prices we understand the prices for the product without any discount. Under promotional prices we understand an event when the product price is reduced. We reserve the right to change regular and promotional prices of the products and services. Any promotional prices are valid only in the time scope defined by promotion and are not valid after the promotion is ended and cannot be used before the promotion starts. If a user did not use a promotional price during the period of time defined by promotion and signed up for a service at regular rates a user is not entitled for a promotion and we are not obligated to resign up or recalculate his payment at promotional rates. If a user entitled for a promotional upgrade a user cannot receive a refund/credit as a difference between regular and promotional price for the period a user used the product prior the upgrade. Promotional prices apply only to online subscriptions. We reserve the right to adjust payments received by mail through check or money order using promotional price rates, and such payments will be adjusted in accordance to regular prices as published at the time the check or money order was received. -------------------------------------------- CHARGEBACK POLICY We provides stock market informational services over the Internet. Given the specific nature of its services, customers cannot return or exchange products. The practice of claiming a refund or requesting a chargeback after having used any of our member services (i.e., gaining admittance our members' area to access members only content, such as charts, signals, market data, Market Outlook, email alerts, and any other associated information) is considered fraudulent. Customers seeking to resolve any billing errors are required to contact us via-email. The Customer agrees not to issue chargebacks for any credit card payments. A chargeback of payment for services rendered will result in an additional charge of $150. If you deny, dispute, or reclaim a valid charge, your address, email address, IP address and other information automatically be added to our "black list". Users on this list will no longer be able to purchase goods or services through us, or through any affiliated service. To avoid the above measures being taken against you, we encourage you to contact us first in case there are any outstanding issues with your membership or any problems with the billing of your account. -------------------------------------------- EMAIL SERVICE Some of our services involve the sending of emails to our subscribers. We provide email alerts as a free service, complimentary to the services offered on our websites. Our customers retain full responsibility for submitting a valid email address in order to receive any of our email services. We assume no responsibility or liability for undelivered, damaged, or late emails, whatever the reason it may be. Our email services are designed for educational purposes only! They should not be construed as trading advice of any kind.
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