Terms of Use

PRIVACY STATEMENT | TERMS OF USE/DISCLAIMER | COPYRIGHT | TRADING RESTRICTIONS/DISCLOSURE | REFUNDS & RENEWAL POLICY


PRIVACY STATEMENT

Investors Alley Corp. (the “Company”) has created this privacy statement in order to demonstrate our firm commitment to privacy. In order to provide service to our customers, we must obtain some limited personal information from you. The following discloses our information gathering and dissemination practices for this website and service.

This privacy statement applies to information we collect:

  • On the Company’s Websites (as defined below);
  • In e-mail, text and other electronic messages between you and the Company; and
  • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

It does not apply to information collected by:

  • the Company offline or through any other means, including on any other website operated by any third party; or
  • any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Company’s Websites

Please read this privacy statement carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use the Company’s Websites or subscribe to our services or products. By accessing or using the Company’s Websites, or by subscribing to our services or products, you agree to this privacy statement. This privacy statement may change from time to time. Your continued use of the Company’s services and products after we make changes is deemed to be acceptance of those changes, so please check this privacy statement periodically for updates.

Summary

Our primary goal in collecting user information is to enhance your experience on our websites and to provide you with the services and products you have requested from us, regardless of whether such services are provided freely or on a paid basis. We use aggregated (gathered data across all user accounts) information to develop content targeted to users’ interests and to better the website user experience. The Company is committed to maintaining your privacy and, other than as provided herein or after receiving your specific consent, we will not share any personal information with any third party at any time, unless required by law or in order to perform transactions or deliver services on your behalf as a customer or user of such services, as more fully described below.

When you visit InvestorsAlley.com or any website address managed, owned, leased, or otherwise under direct or indirect control by the Company (collectively, the “Company’s Websites”) or inquire about our services, we may collect the following types of information about you:

  • General information, such as your name, address, phone, and e-mail address to fulfill your requested service and to better serve your needs when you contact us or when we need to contact you.
  • Payment information, such as credit card account data, in the event you request to purchase a product or service as part of your relationship with us.
  • Information to verify your identity, or your status as a registered user, by means of a cookie or other forms of automatic data collection technology. Cookies may be used to deliver content specific to your interests and to save your information so you don’t have to re-enter it each time you visit the Company’s Websites. We may also use cookies to manage your status when registering for our services.
  • Technical information about your computer or browser so that we may provide you with the correct service and content presentation request, or to format e-mail messages that best align with your computer’s capabilities.

At certain times, it may be necessary to share some of the information you provide. The Company does not share your personally identifiable information with third parties unless it is related to the fulfillment of services you’ve asked us to perform, or as is permitted by law. The information you provide us can only be shared under limited circumstances. These include:

  • Within all of the Company’s Websites and to the Company’s subsidiaries, affiliates and partner organizations
    We may share information about you, and the services you have purchased from us, among our various companies and subsidiaries, all of whom follow our privacy policies.
  • For legal reasons
    In some cases we may be required to disclose certain information to comply with applicable law, an investigation, or a legal process, such as a court order or subpoena. We may also share information about you if we believe disclosure is necessary or appropriate to protect the rights, property or safety of the Company, our customers or others.
  • In case of a sale of a business
    Your information may be transferred in connection with a sale, merger, transfer, exchange, or other disposition (whether of assets, stock, or otherwise) of all or a portion of a business of the Company.

Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures, if any, of their personally identifiable information to third parties for direct marketing purposes. Such requests must be submitted to us at help@investorsalley.com or in writing at:

Investors Alley Corp.
8560 Sunset Blvd, Suite 400
Los Angeles, CA 90069

California privacy rights requests must include the reference “Request for California Privacy Information” in the subject line and in the body of the message and must include the email address or mailing address, as applicable, for us to send you our response. This request may be made no more than once per calendar year. We reserve the right to disregard requests submitted other than to the address specified above or more frequently than once per year for the same person, mailing address, or email address.

Our Security Safeguards

We employ industry-standard physical, electronic, and procedural security safeguards to protect the personally identifiable information that you have provided to us from loss, misuse, or unauthorized alteration. Whenever we prompt you to transmit sensitive information to us through the Company’s Websites, such as a credit card number, we support encryption of your data as it is transmitted.

Public Forums

The Company may make chat rooms, forums, message boards, and online and telephone webinars and conference calls available to our users. Please remember that any information that is disclosed in these areas becomes public information and cannot be protected by the Company. You should exercise caution when deciding what personal information to disclose in a public setting.

Correcting/Opting Out

The Company offers its members the ability to correct or update the information we collected during your registration process online by utilizing the appropriate links at the bottom of all emails we send out.

You may also update any information related to any product or service you have purchased from or through the Company by logging into the website for such service and using the appropriate section of that website.

If, at any time, you wish to cancel your subscription to any of our free services or opt-out of receiving future mailings or certain types of mailings, please click the “Unsubscribe” link at the bottom of all emails we send out. You may also use this website for removal. To cancel your subscription to any paid service we offer please call toll-free 1-855-566-6100.

Advertiser Information

The Company derives a portion of its revenue from advertising and sharing information is essential to keeping our services affordable to users. In order to attract and retain advertisers we use the aggregated, anonymous information that we gather (as well as information from third party market researchers) to describe our services to partners and to assist our advertisers and sponsors to better understand our audience. We do not disclose personally identifying information about our users to these parties.

These offers are paid advertisements provided by our external partners or external advertisers. If you click on these offers, you will be proceeding under the terms of that third party advertiser’s privacy policy and terms of use. The Company is not responsible for the content of or any claims made in these advertisements. Further, the Company makes no guarantees or warranties, whether explicit or implied, about what is advertised by our external partners or advertisers.

These advertisements may contain information about specific stocks or other investments, but the opinions provided in these advertisements are not those of the Company and are neither an offer nor a recommendation to buy or sell any security. The Company has not independently verified the validity of the claims or statements contained in these advertisements/emails. We urge you to always conduct your own research and due diligence and obtain professional advice before making any investment decisions. The Company will not be liable for any loss or damage caused by a reader’s reliance on information obtained in advertisements or corresponding web sites.

Although the Company attempts to accept advertisements from responsible third party advertisers, we make no representations or guarantees about such third parties. Such third party advertisers are separate and distinct from the Company and the Company is not responsible or liable for any action or omission by the third party advertiser if you choose to register with or enter into a transaction with any third party advertiser based on an advertisement or offer found on any of the Company’s Websites, within any of the Company’s email message, or via any other delivery method (including, but not limited to, postal mail).

We respect the privacy of our users, registrants and subscribers and shall not disclose or distribute our user list to any third party, nor shall we permit anyone else to do so. However, we may send messages on behalf of our third party advertisers to our users, registrants and subscribers. It is important to note, however, that these advertisers never see your actual email address. They may be able to use tracking software to reveal your email address if you choose to click a link in the email message.

Co-Registration

We only transmit your information to a third party advertiser if you elect to receive a special offer from that advertiser through our co-registration service (either by selecting or by leaving selected the check box next to the advertiser’s offer). The information we transmit in this instance may include, but is not limited to, your name, email address, postal address, phone number, IP address and the date you registered for the third party offer. We may also transmit information about our visitors and subscribers collected through the registration process as well as through any online surveys we may conduct.

Links

The Company’s Websites contain links to other websites that are not owned or operated by the Company. We are not responsible for the privacy practices or content of such websites. We strongly encourage you to be aware when you leave the Company’s Websites or click a link in our email messages and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies only to information collected by us.

Former Customers

We treat former customers’ personal information the same way we treat information about our current customers. The Company discloses personal information about former customers only in accordance with this Privacy Policy. Additionally, the Company will only contact former customers in accordance with CAN-SPAM and current federal law.

Contacting Us

Questions or comments regarding this policy should be directed to:

Investors Alley Corp.
8560 Sunset Blvd, Suite 400
Los Angeles, CA 90069
Phone: (212) 566-6100

We reserve the right to modify this policy without notice.

General Risk Disclaimer

Investors Alley Corp. (the “Company”) is a publisher of financial news, opinions and research and is not a securities broker-dealer or an investment adviser.

  1. The information provided by the newsletters, opinions, and research related to various markets (collectively referred to as the “Services”) is not customized or personalized to any particular risk profile or tolerance. Trading and investing is not for everyone. The information published by the Company is not a customized or personalized recommendation or solicitation to buy, sell, hold, or invest in particular financial products, and the Services are not intended to provide money management advice or services. The Services are intended to supplement your own research and analysis.
  1. Past performance is not necessarily indicative of future results. Trading and investing involve substantial risk. Trading on margin carries a high level of risk, and may not be suitable for all investors. The Company does not make any guarantee or other promise as to any results that may be obtained from using the Services.  No person subscribing for the Services (“Subscriber”) should make any investment decision without first consulting his or her own personal financial adviser, broker or consultant. The Company disclaims any and all liability in the event anything contained in the Services proves to be inaccurate, incomplete or unreliable, or results in any investment or other loss by a Subscriber.
  1. You should trade or invest only “risk capital” – money you can afford to lose. Trading and investing involves high risk and you can lose the entire principal amount invested or more.
  1. All investments and trading strategies carry risk and all trading decisions made by a person remain the responsibility of that person. There is no guarantee that systems, indicators, or trading signals will result in profits or that they will not produce losses. Subscribers should fully understand all risks associated with any kind of trading or investing before engaging in such activities.
  1. Some profit examples are based on hypothetical or simulated trading. This means the trades are not actual trades and instead are hypothetical trades based on real market prices at the time the recommendation is disseminated. No actual money is invested, and no trades are executed. Hypothetical or simulated performance is not necessarily indicative of future results. Hypothetical performance results have many inherent limitations, some of which are described below. The hypothetical results do not include the costs of subscriptions, commissions, or other fees that may be charged. Because the trades underlying these examples have not actually been executed, the results may understate or overstate the impact of certain market factors, such as lack of liquidity. Simulated trading services in general are also designed with the benefit of hindsight, which may not be relevant to actual trading. In addition, hypothetical trading does not involve financial risk, and no hypothetical trading record can completely account for the impact of financial risk of actual trading. The Company makes no representations or warranties that any person will or is likely to achieve profits similar to those shown.
  1. No representation is being made that you will achieve profits or the same results as any person providing a testimonial. No representation is being made that any person providing a testimonial is likely to continue to experience profitable trading after the date on which the testimonial was provided, and in fact the person providing the testimonial may have experienced losses.  Any profit amount mentioned in a testimonial may be unrealized gains.
  1. The results and experiences described in the Services are not typical. Most people do not make a profit trading or investing; however, they still receive a financial education from the Services.  You cannot necessarily expect to achieve the results described in the Services and your results will vary depending on risk tolerance, amount of risk capital utilized, size of trading position and other factors. Any modification or change to a trading strategy can completely alter the results of a trade or investment. Oftentimes, persons ignore rules or risk parameters, and any such actions are taken entirely at the Subscriber’s own election and at the Subscriber’s own risk.
  1. Auto-trading, or any broker or adviser-directed type of trading, is not supported or endorsed by the Company. For additional information regarding auto-trading, you may visit the SEC’s website: All About Auto-Trading, https://www.sec.gov/reportspubs/investor-publications/ investorpubsautotradinghtm.html. The Company does not recommend or refer subscribers to broker-dealers.  You should perform your own due diligence with respect to satisfactory broker-dealers and whether to open a brokerage account. You should always consult with your own professional advisers regarding equities, options on equities, and any other type of trading.

TERMS OF USE

These terms and conditions of use (“Terms of Use”) govern your use of this website.  By accessing this website, you acknowledge and accept these Terms of Use.  These Terms of Use are subject to change at any time.  Your use of this website after such changes are implemented constitutes your acknowledgement and acceptance of any such changes.

1.      General

The Company is a publisher of financial news, opinions and research and is not a securities broker-dealer, investment adviser, or commodity trading advisor. You are responsible for your own investment decisions. All information contained on the Company’s website is made available solely for general information purposes. You should always conduct your own research and due diligence and consult your professional advisers before making any investment decision.

Use of the Company’s website is at your own risk and the information is provided on an “as is” and “as available” basis without any warranty.  By using this website, you understand and accept that potential inaccuracies in information may exist and that no errors or omissions shall be the basis for any claim, demand or cause for action against the Company or any of its information providers, including independent contributors. The Company relies on various sources of information that it believes to be accurate and reliable; however, the Company makes no claims or representations regarding the accuracy, completeness, timeliness, security, reliability, quality, or availability of any material contained herein.  Information on this website is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.

All of the information in this website, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this website, and the Company does not undertake any obligation to update such information after it is posted or to remove such information from this website if it is not, or is no longer, accurate or complete.

You agree that you bear responsibility for your own investment research and investment decisions, and that neither the Company nor its independent contributors shall be liable for any decision made or action taken by you or others based upon your reliance on news, information or any material published by the Company.  You agree that the Company’s website is not intended to provide tax, legal, insurance, or investment advice.

You further agree that your use of any of the Company’s websites, products, content or other materials will be only for private use and in compliance with applicable federal and state law for United States citizens and residents, and pursuant to the applicable foreign laws and regulations for non-U.S. citizens domiciled outside the United States. Any commercial use of the website and information contained within the website is strictly prohibited.  You further agree that you will not sell, rent, send, or otherwise and in any other manner share any of the Company’s information with individuals or entities in embargoed countries as defined by the United States Treasury, the United States Department of State, or other federal government agencies. You further agree that you are not a person or entity residing in or performing your primary business in any such aforementioned country.

You may only use this website for purposes expressly permitted by this website.  You may not use this website for any other purpose, including any commercial purpose, without the Company’s express prior written consent.  For example, you may not (and may not authorize any other party to): (i) co-brand this website, or (ii) frame this website, or (iii) hyperlink to this website, without the express prior written permission of the Company.  For purposes of these Terms of Use, “co-branding” means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this website or content accessible within this website.  You agree to cooperate with the Company in causing any unauthorized co-branding, framing or hyperlinking to cease immediately.

The content accessible from this website, and any other Internet-based website owned, operated, licensed, or controlled by the Company is the proprietary information of the Company or the party that provided the content to the Company, and the Company or the party that provided the content to the Company, as applicable, retains all right, title, and interest in the content.  The content may not  be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of the Company, or unless authorized in writing elsewhere on this website, except that you may print a copy of the content solely for your personal use.  In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the content.  Modification or use of the content except as expressly provided in these Terms of Use violates the Company’s intellectual property rights.  Neither title nor intellectual property rights are transferred to you by providing access to this website.

2.      Hyperlinks

This website may be hyperlinked to other websites which are not maintained by, or related to, the Company.  Hyperlinks to such websites are provided as a service to users and are not sponsored by or affiliated with this website or the Company.  The Company has not reviewed any or all of such websites and is not responsible for the content of such websites.  Hyperlinks are accessed at the user’s own risk, and the Company makes no representation or warranty about the content, completeness or accuracy of any such hyperlink or website(s) hyperlinked to this website.  Further, the inclusion of any hyperlink to a third-party website does not necessarily imply endorsement by the Company of such website.

3.      Indemnity

 You agree to indemnify and hold the Company, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (hereinafter known as the “Indemnified Parties”) harmless from any breach of these Terms of Use by you, including any use of the content other than as expressly authorized in these Terms of Use.  You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorney’s fees of the Indemnified Parties in connection therewith.  You also agree to indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this website.

4.      Trademarks

 Trademarks, service marks, and logos appearing in this website are the property of the Company or the party that provided the trademarks, service marks, and logos to the Company.  The Company and any party that provided trademarks, service marks, and logos to the Company retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this website.

5.      Security

 Any passwords used for this website are for individual use only.  You will be responsible for the security of your password (if any).  The Company will be entitled to monitor your password and, at its discretion, require you to change it.  If you use a password that the Company considers unsecure, the Company will be entitled to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this website to compromise security or tamper with system resources and/or accounts.  The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited.  If you become involved in any violation of system security, the Company reserves the right to release your details to system administrators at other websites in order to assist them in resolving security incidents.  The Company further reserves the right to investigate suspected violations of these Terms of Use.

The Company reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing the Company to disclose the identity of anyone using this website.

The company makes no representation that the website or the server hosting the website is free from viruses or other harmful components.  You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this website for the reconstruction of any lost data.  The Company does not assume any responsibility or risk for your use of the Internet.

6.      Miscellaneous

 These Terms of Use will be governed and interpreted pursuant to the laws of the State of California, notwithstanding conflicts of law principles.  You specifically consent to personal jurisdiction in California in connection with any dispute between you and the Company arising out of these Terms of Use or pertaining to the subject matter hereof.  The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use will be in the state and federal courts located in Los Angeles County, California.  If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.  These Terms of Use constitute the entire agreement among the parties relating to this subject matter.  Notwithstanding the foregoing, any additional terms and conditions on this website will govern the items to which they pertain.  The Company may revise these Terms of Use at any time by updating this posting.

7.     Limitation of Liability

The Company disclaims all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for a particular purpose.

In no event will the company, its subsidiaries, affiliates, service providers, employees, agents, officers or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Company’s website, any website linked to the Company’s website, any content on the Company’s website or linked websites, including direct, indirect, special, incidental, consequential, or punitive damages.

COPYRIGHT INFORMATION

The Company’s Websites, along with all information contained within the Company’s Websites, are the property of the Company and are protected under copyright. Any reproducing, distribution, modification or copying (including, but not limited to, posting such materials to news groups and message boards) of the Company’s materials are prohibited without the prior written consent of the Company; provided, however, that you are permitted to download or print a single copy for yourself for personal offline viewing and you may also provide a hypertext link to the Company’s Websites or any article or page within such websites.

The Company reserves the right to republish the material contributed by its readers. By sending an e-mail with feedback, comments, suggestions, or criticism (including, but limited to, feedback received on the feedback page), you expressly grant the Company the right to republish or sell the comments and message you provide as part of its edited compilations. The Company will provide proper attribution to the author for any post or e-mail it republishes, however you acknowledge that the Company receives permanent and transferable rights to any such content.

If you are interested in using the Company’s content in a non-personal manner, for example syndication or republishing to your own website, newsletter, or other such publication please contact subscriber@investorsalley.com.

TRADING RESTRICTION COMPLIANCE AND FULL DISCLOSURE

The Company has a robust and enforceable trading restriction policy that applies and is agreed to by all editors, analysts, and traders for publications or any other content produced by the Company, whether for content that is purchase or freely available, and that applies to other individuals identified by the Company in its sole discretion. These individuals shall be referred to as “covered persons.”

Our trading restrictions apply to all covered persons and apply to the initial coverage of all stocks within newsletters and services published by the Company, with the exception of the stocks in automatically generated reports in the Investors Alley Stock Ratings service.

When an editor or analyst has decided to begin coverage of a stock for inclusion in a paid subscription newsletter or service that stock will be placed on a Restricted Trades List which will be maintained by a designated trading compliance officer within the Company. Covered persons will be barred from initiating any transactions with such security immediately upon such stock being placed on the Restricted Trades List for seven full trading days after the date on which the paid subscription newsletter or service is published with content about such stock.

Covered persons must immediately disclose any personal holdings in stocks placed on the Restricted Trades List.

Covered persons cannot buy or sell shares for seven full trading days after the publication of any initial report in any paid subscription newsletter or service on a stock. As many stocks are mentioned in update issues and alerts, the buy and sell restriction applies only to the initial research to recommend a transaction with the stock as part of a paid subscription newsletter or service.

Providing advance notice of inclusion or initiation of coverage of a stock to non-employees of or contractors working on the behalf of the Company is forbidden.

The Company will make every reasonable effort to inform subscribers of paid subscription newsletters and services of any positions in stocks held by covered persons that are recommended in said paid subscription newsletters and services. In the case where it is the editor or analyst of that paid subscription newsletter or service this person will be identified as holding a position in the stock mentioned. In the case where is another covered person or persons other than the editor or analyst of said paid subscription newsletter or service such position shall be disclosed without providing personally identifiable information about that person or persons.

RENEWAL POLICY AND REFUND POLICY FOR PAID SUBSCRIPTION SERVICES

This Section does not apply to one-time purchases of special research reports or any other products that are not subscription services. All sales for the aforementioned products are final without refund.

This section describes the subscription renewal policy and refund policy (collectively, the “Policy”) of Investors Alley Corp. (the “Company”) for paid subscription services you purchase from the Company. In the event that such content originates from a third party and is resold by the Company, the Company’s policy shall at all times and in all places supersede any other renewal policy and refund policy of any third party whether stated or not.

Renewal Policy for Automatically Renewing Subscriptions

Your subscription will continue for the period referenced during registration (the “Term”), and renew automatically at the end of the Term (a “Renewal Term”). The Initial Term and any Renewal Term thereafter shall be collectively referred to as the “Term”. The Company will charge or debit your payment method at the beginning of the Term. Unless you cancel your subscription in accordance with this Policy, the then-applicable rate for your subscription will be billed automatically. When we renew your subscription, we will use the payment method currently associated with your account.

The Company may, in its sole discretion, provide may you with advance notification of an impending renewal of your subscription.

Unless purchased and billed as a bundle or group of products, each subscription from the Company will be billed and renewed separately as independent financial transactions, each subject to the then-current terms, pricing and refund policy as outlined when you subscribed for such products.

In connection with recurring billing for subscription renewals, you authorize the Company, its subsidiaries, or third parties contracted by the Company to provide services to you to bill your credit or debit card account number, regardless of whether the other information associated with your subscription has changed, including, but not limited to, the expiration date of the physical card with which you subscribed. We may receive updated information about your account from the financial institution issuing your credit or debit card. You agree to pay all fees and charges incurred in connection with your user name, member name and password (including any applicable taxes) at the rates in effect when the charges were incurred. You agree to pay all amounts due upon our demand. In the event we have to collect unpaid amounts you owe us, you will be liable for all of our attorneys’ and collection agency fees.

Cancellation Policy

Your subscription will renew automatically at the end of the Term, unless you notify the Company of your decision not to renew your subscription no less than 7 days prior to the end of the then-current Term by calling our Customer Service Department by telephone at 1-855-566-6100, Monday through Friday between the hours of 9:30 a.m. and 4:30 p.m. ET.  You may not notify us of a decision not to renew your subscription by any other means (such as by sending a request via email, postal mail or by calling any other phone number).

Refund Policy

All of the Company’s subscription products come with a refund policy in effect from the moment you purchase your subscription.

The standard full refund policy for The Dividend Hunter, The Dividend Hunter Insiders, Growth Stock Advisor, Growth Stock Options, Growth Stock Confidential, Biotech Gems, 30 Day Dividends, Automatic Income Machine, and Options Profit Engine and all products sold at a subscription term of one year or more is a refund of the full amount that you paid for the subscription of such products, regardless of regular list price or any other pricing offered,  so long as you request such refund within 60 days of your initial subscription date.

The standard full refund policy for any product sold with a subscription term less than one year but at least one quarter (3 months) is a refund of the full amount that you paid for the subscription of such products, regardless of regular list price or any other pricing offered, so long as you request such refund within 60 days of your initial subscription date.

There are no refunds for products sold with a subscription term of less than one quarter however you many cancel the recurring billing of your subscription so you are not billed again. This includes products with monthly subscription terms.

The Company’s refund policy applies only for the first time that you subscribe to the publication for which you are requesting a refund. Subsequent subscriptions to the same product are non-refundable.

Refunds are made only in the same format in which the subscription was purchased; e.g. if you pay for your subscription with a debit to your credit card, then any refund will be processed in the form of a credit back to the same credit card account you provided.

The Company makes every effort to process refunds in a reasonable and timely manner; however, you should know that issuing banks can, in their sole discretion, delay the processing of submitted refunds.

The standard partial refund policy for all products sold with terms other than monthly applies after the full refund period has expired on first time purchases of the Company’s subscription products and applies only to those subscription Terms that are one year or greater in length. Monthly and quarterly subscriptions are non-refundable, unless otherwise noted during the subscription order process. The standard partial refund is calculated based on the number of months remaining in the current Term of your subscription (rounded down to the next full number of months) divided by the subscription rate divided by the number of months in the Term. For example if you started a one year subscription for a product that is $100 a year and you decide to cancel your subscription during the fourth month by requesting a partial refund, your refund will be calculated as (12 – 4)/(100/12) and would be $66.67.

All refunds initiated by the Company, whether full or partial, shall be paid in U.S. dollars. If you reside outside the United States your card issuer may convert your refund to your local currency at whatever exchange rates it has in effect at such time. You are advised to consult your card issuer prior to initiating a refund.

Refunds, in whole or part, are not available for purchases of one-time or special reports or for subscription Terms less than one year.

Refunds are not available on lifetime bundled products including those associated with the 20th Anniversary Sale also referred to as Income for Life, Wealth for Life, Unlimited Growth Briefcase, and Complete Bundle. All sales for those bundles are final and are non-refundable. In the event that one or more of the services in any lifetime bundle is discontinued Investors Alley will make every reasonable attempt to offer a suitable substitute publication to fulfill the subscription term.

Your subscription will be considered cancelled and access to your subscription will be denied once your subscription amount has been refunded by the Company, regardless of the actual date you receive any proceeds from the refund.