Terms of Service

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TERMS OF USE – Value Investors Association, LLC and Valueinvesta.com

PLEASE READ THE TERMS OF USE CAREFULLY.  The following terms of use describes rules for visitors of valueinvesta.com (“Site”) and the Value Investors Association.  In our Terms of Service the use of “we” and “our” refers to the Value Investors Association, LLC and all related and affiliated entities.  By using this Site, it means you accept the Terms of Use.

When using a particular Service of the Value Investors Association or valueinvesta.com you shall be subject to any posted guidelines or rules applicable to such Services.  The posted guidelines and rules may be posted and modified from time to time. All such guidelines or rules are hereby incorporated by reference into the terms of service.  Therefore we recommend that you review the Terms of Use upon each visit to the Site.  By using this Site, it means you accept the Terms of Use.

We reserve the right at any time to change the terms of use, change any portion or all of the services offered at any time and to change the fees, charges or other conditions for use of services.  This pertains to and includes free or paid for content,  services, subscriptions and contributions from third party providers.

The Terms of Use is intended for an U.S. audience.  If you live outside the U.S. some products or services may not be available or authorized for use in your country.  If you access this Site from outside the United States, you do so at your own risk and are responsible for obeying the laws of your country.

The Value Investors Association and valueinvesta.com are publishers. You understand that no content published serves as a recommendation for any particular investment, security, portfolio of securities, transaction or investment strategy.  That type of advice and recommendations should come from a registered financial representative as to the suitability of such investments for any specific person

This site provides information, personal opinion and analysis related to investment advice, investments and securities.  The advice is the opinion of the Value Investors Association and valueinvesta.com and should not be deemed to be factual or construed as an investment recommendation or endorsement.

This Site and its content are for information, education, and entertainment purposes.  It is your sole responsibility to evaluate the information.  It is up to the discretion of the site visitor to make their own decisions based on the information provided on this site.  Some of the investments talked about

In addition, certain affiliates, outside contributors and employees may at times have or be in the process of obtaining or relinquishing varying positions in investments, securities, or derivatives thereof, of companies mentioned in the content and services and may take positions inconsistent with the views expressed.  In cases where the position is held at the time of publication, appropriate disclosure is made. In addition, contributors outside of us may be subject to certain restrictions on trading for their own account.

These employees, independent contractors, affiliates, contributors and creators of the services, subscriptions and content offered are not to and will not advise you personally concerning the potential, value or suitability of any particular investment or investment strategy or other related matter.

To the extent any of our subscriptions or services involve a model portfolio or actual portfolio of investments, such a portfolio is chosen by the author in accordance with their stated investment strategy. Your actual results may differ from results reported for the portfolio for many reasons.  This can include but is not limited to actual trading commissions that you may incur, bid/ask spreads at the time of the trade, the timing of the trade and liquidity of the investment, the technology and provider used to execute your trade and other factors.

Investments mentioned within subscriptions, services or content mentioned on this site may be risky or speculative.  Trading in such securities can result in immediate and substantial losses of the capital invested. You should use only risk capital, and not capital required for other purposes, such as retirement savings, student loans, mortgages or education.

Like all investment strategies, trading in stocks involves risk and volatility. Past performance is not an indication of future results. Actual results will be based on a consumer’s individual purchase and sale decisions

This Site contains financial information such as news, research and financial data obtained from third party sources.  The Value Investors Association, LLC and valueinvesta.com does not guarantee or certify the accuracy, completeness, timeliness or correct sequencing of the information made available through this Site.  We have not independently verified the accuracy of the information published by the independent sources.

In exchange for using this Site, you agree to not hold the Value Investors Association, LLC or any of its contributors as liable for any possible claim for damages arising from or relating to any decision you make based on information on this Site.  You also agree to not hold the Value Investors Association, LLC liable in any way for the accuracy, completeness, timeliness, or correct sequencing of the information, or for any decision made or action taken by you relying upon the information.

Although it should be obvious we would also like to stress that the past performance of any financial advice, newsletter or stock performance contained on, or referenced to on this site is no guarantee of future results.  The security and financial investment recommendations disclosed on this site and in our products and services are the opinions or the Value Investors Association, LLC and its contributors.   The performance results of such recommendations are subject to risks and uncertainties both internally and externally beyond the control of the Value Investors Association, LLC and its contributors.

Future results may be better, the same or worse than past results.  The recommendations on this site or in our products may not yield profitable results and may actually result in a loss of investment capital.  The recommendations on this site are merely the opinions of the Value Investors Assocaition, LLC and its contributors.  The opinions on this site and in our products are subject to additional economic, managerial and similar risks that are beyond our control.

All stated returns are hypothetical and are not based on actual client returns. Hypothetical performance is shown for illustrative purposes only.  Returns are calculated on a total return basis and don’t reflect market conditions, charges, trading costs and subscription costs.

Contributors to valueinvesta.com and The Value Investors Association, LLC will make every effort to disclose their positions in securities that they write about.  Due to changes in the market and individual situations those positions may change after the content has been written or be inconsistent with the recommendation disclosed in our newsletters and products.

United States and foreign copyright laws protect the materials on this Site.  We grant you permission to copy excerpts of the material on this Site solely for your personal, noncommercial use. When you download or print a copy of the materials on this Site, you must include the copyright notice that is written on the bottom of each page and any other copyright and proprietary rights notices that were contained in the materials. All rights not expressly granted are reserved.

Although we do not allow advertisers to have any influence on the information we provide, we may receive payment for the products or services offered by other companies on this site.  We do not endorse or guaranty any product or service offered by advertisers. Further, we are not responsible for the performance of these sites or for your business dealings with them.

Any information you choose to share with a third party is done so at your own risk and governed by that party.  The Value Investors Association, LLC will not be responsible for the misuse of the information or resulting loss to you.

Your use of this Site and the information on it is at your own risk. We take many precautions to protect your information from unauthorized third party access, alteration, theft, or misuse. For example, we use standard online security measures such as encryption and authentication to protect your credit card data. Regrettably, no computer system or online transaction is 100% secure, and we therefore cannot guarantee the security of the information you share with us.

The Value Investors Association, LLC puts safeguards in place that comply with federal standards to guard your personal information.  We take many precautions to protect your information from unauthorized access such as encryption and authentication procedures.  We use  the best encryption software in the industry -“SSL.” However no security system or online transaction is impenetrable or 100% secure.  Therefore we cannot guarantee the security of the information you transmit to us and share with us.

This Site and the materials are provided on an “as is” basis. You understand that we cannot and do not guarantee or promise that files available for downloading through the Site will be free from infection, viruses, worms, or other contaminating or destructive code that may damage your computer files.

When subscribing to a paid service such as one of our newsletters, you will need to provide us with your name, email address, and billing and shipping addresses, as well as your credit card information. You certify that all information you provide is accurate. You also agree to maintain and update your information as necessary so that it remains accurate and current. S

Some Services may provide a free trial or introductory offer. If you don’t cancel your subscription within the trial or introductory offer period, we will charge the credit card you provided during the sign-up process. Your membership will automatically renew for the monthly or annual subscription period you originally signed up for, until you notify us of your decision to terminate your membership.

Accordingly, you agree that your membership fee or subscription will be billed automatically at the beginning of each renewal period at the then-current rate to the credit card you used in your most recent transaction with us.

Recurring Month to Month subscriptions require a written cancellation notice before the next billing period and charges will cease. If you do not notify us as described above, the then-applicable monthly fee for your subscription will be billed automatically to the credit card account you designated during the registration process (or subsequently changed).  In the event we have to collect unpaid amounts you owe us, you will be liable for all attorneys’ and collection agency fees.

“valueinvesta.com”, “Value Arch”, the “Value Investors Association Logo”, “Psychological Points of Influence” and other marks are trademarks and/or service marks of The Value Investors Association, LLC. All other trademarks, service marks, and logos used on our websites are the trademarks, service marks, or logos of their respective owners.

Unauthorized access of our sites is a breach of these Terms and Conditions and a violation of the law. You agree not to access our sites by any means other than through the interfaces we provide for use in our accessing our sites.

The free and paid content distributed through valueinvesta.com and the Value Investors Association, LLC  with the exception of any user generated content (as defined below), is the property of the Value Investors Association, LLC.   You may access and use the content, and download and/or print out one copy of any content, solely for your personal, noncommercial use.  If you are interested in reprinting, republishing or distributing content from The Value Investors Association please contact us.

You are encouraged to link to the content on the valueinvesta.com.  If you elect to display links form our websites on another website you will comply with the the viral linking requirements set forth as follows.  Excerpts may not exceed 100 words without written permission, you are prohibited from displaying excerpts from our paid services and subscriptions, you are not permitted to reproduce the entire text of content on the website and the byline must consist of the name or title of the content and the name of the website (e.g. “as appearing on valueinvesta.com or Value Investors Association).  In addition you may not imply or suggest that we are sponsoring or endorsing the website, medium or product that contains the link without written permission.  You may not link to us if your content or intent is distasteful, illegal or meant to do harm.  We reserve the right to deny permission to you to link to the website for any reason in our sole and absolute discretion.

If you transmit any ideas, information, concepts, know-how or techniques or materials to us through this site, you hereby grant us an unrestricted, royalty-free, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute them, and agree that we are free to use them for any purpose.  This excludes personal financial information which is defined in the Gramm-Leach_Biley Act and our privacy policy.

You agree to defend, indemnify and hold The Value Investors Association, LLC harmless from and against any claims, actions or demands, liabilities and settlements. This indemnification also covers the Value Investors Association, LLC officers, directors, employees, agents, and suppliers. Your indemnification includes, without limitation, the costs of reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms and Conditions.

NEITHER THE VALUE INVESTORS ASSOCIATION, LLC NOR ANY OF OUR PARTNERS MAKES WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO OUR WEBSITES, ANY CONTENT, OR ANY OF OUR SERVICES, TOOLS, PRODUCTS, OR PROPERTIES. YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF OUR SERIVCES AND THE ACCURACY OR COMPLETENESS OF THEIR CONTENT.

YOU ARE RESPONSIBLE OR LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, RELIANCE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER LEGAL THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SERVICES AND/OR ANY CONTENT CONTAINED THEREIN, OR ANY SERVICE USED OR PURCHASED THROUGH THE VALUE INVESTORS ASSOCIAITON, WHETHER SUCH DAMAGE IS FORESEEABLE OR NOT AND WHETHER OR NOT YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE AND NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

YOUR SOLE REMEDY FOR DISSATISFACTION WITH A SERVICE IS TO STOP USING IT. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO COMPANY FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION — WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE — SHALL BE THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR ACCESS TO THE SERVICES IN THE CURRENT CALENDAR YEAR OF YOUR SUBSCRIPTION.

These Terms and Conditions are governed by the internal substantive laws of the State of Minnesota, without respect to its conflict of laws principles, and the federal laws of the United States.

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. See http://loc.gov/copyright/ for the most current statutory requirements.

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