Disclaimer/Privacy

This website is for information purposes only. There are risks involved with investing including loss of principal. All readers must be responsible for and make their own investing decisions. While content found in this newsletter indirectly reflect various professional opinions, the authors of the Investor in the Family newsletter are not licensed professionals related to investing in securities, gold and silver, real estate, or any other asset class. The thoughts expressed in this newsletter are the result of research and experience, but in the end, all readers must be responsible for and make their own investing decisions. Each reader bears the full responsibility for any decision to buy, sell, or hold any securities, precious metals, real estate, or other asset class as well as any decision regarding the starting or running of a business. Nothing in this website is to be considered investment advice, a formal recommendation, or solicitation to buy or sell any security. Thoughts expressed here are simply one of many perspectives to consider in making investing decisions. Investor in the Family LLC makes no explicit or implicit guarantee with respect to performance or the outcome of any investment or projections made. There is no guarantee that the goals of the strategies discussed by Investor in the Family LLC will be met.

PLEASE READ OUR TERMS OF USE CAREFULLY BEFORE YOU USE OUR WEB SITE
DIY Investing Summit and Investor in the Family LLC. (“DIY Investing Summit and Investor in the Family” “we,” or “us”) provides its web site, DIY Investing Summit and Investor in the Family, located at http://onlineinvestingconference.com/ (together with all other websites and services operated by or on behalf of DIY Investing Summit and Investor in the Family LLC, the “Site”), to you, an individual user (“you”) for your individual usage, subject to compliance with the terms and conditions set forth herein.

Agreement

By using the Site, you agree to be bound by our Terms of Use (the “TOU”). If you do not agree to the terms and conditions contained in the TOU and DIY Investing Summit and Investor in the Family’s privacy policy, please do not access or otherwise use the Site or any information contained herein.
You affirm that you are over the age of 18, as the Site is not intended for children under 18. If it comes to DIY Investing Summit and Investor in the Family’s attention through reliable means that a registered user is a child under 18 years of age, DIY Investing Summit and Investor in the Family will cancel that user’s account.

We reserve the right at any time to:

•    Change the terms and conditions of the TOU;
•    Change the Site, including eliminating or discontinuing any content or feature of the Site; or
•    Impose fees, charges or other conditions for use of the Site or parts thereof (with reasonable notice).

DIY Investing Summit and Investor in the Family may modify the Site at any time without prior notice, and you accept those modifications if you continue to use the Site. You should check the Site frequently to see recent changes.

Important Securities Disclaimer

You understand that no content published on this Site constitutes a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. You further understand that none of the bloggers, information providers, App providers, or their affiliates are advising you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent that any of the content published on the Site may be deemed to be investment advice or recommendations in connection with a particular security, such information is impersonal and not tailored to the investment needs of any specific person. You understand that an investment in any security is subject to a number of risks, and that discussions of any security published on the Site will not contain a list or description of relevant risk factors. In addition, please note that some of the stocks about which content is published on the Site have a low market capitalization and/or insufficient public float. Such stocks are subject to more risk than stocks of larger companies, including greater volatility, lower liquidity and less publicly available information. Blogs, postings or content on the Site which may or may not be deemed by you to be recommendations may have an effect on their stock prices.

You understand that the Site may contain opinions from time to time with regard to securities mentioned in other DIY Investing Summit and Investor in the Family blogs or products, and that opinions in one blog or product may be different from those in another blog or product. You understand and agree that, although we require all employees to disclose every stock in which they, their immediate family, or any entity under their control, have a personal interest, if such stock is mentioned in a blog, post, or content which they write, non-employees, including outside bloggers or other content contributors or their affiliates may write about securities in which they or their firms have a position, and that they may trade for their own account, and that they may or may not be subject to a disclosure policy. In cases where DIY Investing Summit and Investor in the Family becomes aware that one of its employees has violated his or her disclosure obligation, DIY Investing Summit and Investor in the Family will take appropriate action. In addition, outside bloggers or content contributors may be subject to certain restrictions on trading for their own account. However, you understand and agree that at the time of any transaction that you make, one or more bloggers or content contributors or their affiliates may have a position in the securities written about.

You understand that performance data is supplied by sources believed to be reliable, that the calculations herein are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete.

From time to time, reference may be made on our Site to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or opinion, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

All content on the Site is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

No Investment Recommendations or Professional Advice

The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by DIY Investing Summit and Investor in the Family or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

Limitation of Liability

NEITHER DIY INVESTING SUMMIT AND INVESTOR IN THE FAMILY NOR ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, SUPPLIERS, ADVERTISERS, AGENTS AND SPONSORS ARE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE AND/OR ANY CONTENT CONTAINED THEREIN, OR ANY PRODUCT OR SERVICE USED OR PURCHASED THROUGH DIY INVESTING SUMMIT AND INVESTOR IN THE FAMILY. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING IT. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO DIY INVESTING SUMMIT AND INVESTOR IN THE FAMILY FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL NOT EXCEED THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR ACCESS TO THE SITE OR ANY SERVICES, DURING THE PREVIOUS SIX (6) MONTHS PRIOR TO BRINGING THE CLAIM.
Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you.

Indemnification

As a condition of your use of the Site, you agree to indemnify, defend and hold us, our officers, directors, employees, agents and representatives harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys’ fees), or other expenses that arise directly or indirectly out of or from (a) your violation of the TOU; (b) your use of the Site; (c) your violation of the rights of any third party, or (d) any claim that one of Your User Submissions caused damage to a third party. This defense and indemnification obligation will survive these TOU and your use of the Site.

Termination

You understand and agree that DIY Investing Summit and Investor in the Family may, under certain circumstances and without prior notice to you, terminate your access to and use of the Site. Cause for such termination shall include, but not be limited to, (i) breaches or violations of the TOU or other agreements or guidelines, (ii) requests by law enforcement or other government or regulatory authorities or (iii) repeat violators of third party copyrights or other intellectual property.

Other terms

You should not assume that the opinions that people expressed are the opinions of DIY Investing Summit and Investor in the Family LLC or anything other than the opinions of the individuals expressing them.

When you look at other people’s predictions, you should remember that those people may have interests in the stocks that they’re making predictions about. For example, some people may hope a company’s stock will go up because they own many shares of it; others may hope that it will rise because they (or family) work for the company; others may hope that the stock will rise. When you review people’s predictions, you should not assume that the person making a prediction is unbiased or independent.

Employees of DIY Investing Summit and Investor in the Family LLC may have interests in the stocks about which they make predictions.

Intellectual Property

All of the Content on our websites and any Service we provide is protected by U.S. and international copyright laws and is the property of DIY Investing Summit and Investor in the Family LLC and/or providers of the content under license. By “Content” we mean any information, mode of expression, or other materials and services found on DIY Investing Summit and Investor in the Family LLC. This includes message boards, blogs, ratings, podcasts, chats, software, our writings, graphics, videos, and any and all other features. You can find out more information on copyright law and the Internet at http://www.templetons.com/brad/copymyths.html.

Any copying, distribution, storing, or transmission of any kind, or any commercial use of our Content, is prohibited without The DIY Investing Summit and Investor in the Family LLC’s prior written permission. That means you may not sell, auction, or transfer your registration or any individual publication.

You also may not republish, post, transmit or distribute the Content to online bulletin and message boards, blogs, chat rooms, intranets or anywhere else without our consent. You further agree not to create abstracts from or scrape our Content, for use on another website or service . In short, you may not post our Content anywhere else online. Aside from opening yourself up to liability, distributing our premium Services, stock picks and performance data to other sites and forums is unfair to our members who pay good money to receive our Content.

Please note that notwithstanding the foregoing, when you post content, you are not somehow surrendering your copyright in your expression, but you are granting us an unlimited license to use it. Specifically, by posting content, you agree that DIY Investing Summit and Investor in the Family LLC has an irrevocable, perpetual and worldwide license to use republish, distribute, reproduce, display, communicate to the public, adapt, perform, store, translate, sublicense and promote anything you post on our websites. This includes the rights to syndicate and make derivative works out of your content. If you don’t want us to use or republish your content, then please don’t post it on our websites. We’ll only republish your content in context, and we’ll credit you as author (unless we’re using small quotations). We won’t republish your posts in advertising without your permission.

We also ask that you only upload or include on our Services materials you have the right to use.

You agree not to display any of DIY Investing Summit and Investor in the Family LLC’s trademarks or use them in any manner without our express written permission.

Disclaimer of Warranties and Liabilities

DIY Investing Summit and Investor in the Family LLC provides a very broad range of information and commentary via its many Services. Consequently, as a result of the diverse opinions of our staff, a DIY Investing Summit and Investor in the Family LLC Service may, from time to time, take actions or issue recommendations with regard to specific securities that are different from those taken or issued by another Service we provide.

Additionally, we’re not investment advisors and we cannot provide personalized advice. We can’t know all the relevant facts about you and your individual needs, and we cannot claim or represent that any particular Services are suitable for you. If you want personal advice, then you should seek a registered investment advisor.

Affiliates of DIY Investing Summit and Investor in the Family LLC provide individualized investment advice and investment products. These companies may recommend or hold securities mentioned in our publications. Editorial personnel have no nonpublic knowledge of our affiliates’ holdings and/or specific recommendations, and the affiliates’ personnel have no knowledge of any editorial content before it is published.

DIY Investing Summit and Investor in the Family LLC may partner with third parties in order to make buying our service’s recommendations easier for you. We will not, and can not, trade on your behalf at your brokerage. Only you can decide whether or not a stock is right for you and you agree to be liable for any trades you initiate at your brokerage using tools that we or our partners provide.

DIY Investing Summit and Investor in the Family LLC does not warrant the completeness or accuracy of the Content found in our Services or its usefulness for any particular purpose. DIY Investing Summit and Investor in the Family LLC makes no promises that our content or any of the Services will be delivered to you on an uninterrupted, timely, secure, or error-free basis. In fact, we’re not making any promises or warranties except that we’ll do our best to provide interesting and helpful information and education. Other than that, we reserve the right to be wrong.

Now what does all this mean? It means that you agree that under no circumstances will DIY Investing Summit and Investor in the Family LLC, its employees, or its agents be liable for direct, indirect, incidental or any other type of damages resulting from your use or downloading of any material on our sites, even if we have been advised of the possibility of such damages. This includes, but is no way limited to, loss or injury caused in whole or in part by our negligence or by stuff beyond our control in creating or delivering any of our Services.

One of the principal tenets here at the DIY Investing Summit and Investor in the Family LLC is that the best person to handle your finances is you. By your use of our Services, you’re agreeing that you bear responsibility for your own investment research and investment decisions. You also agree that DIY Investing Summit and Investor in the Family LLC, its directors, its employees, and its agents will not be liable for any investment decision made or action taken by you and others based on news, information, opinion, or any other material published through our Services. The DIY Investing Summit and Investor in the Family LLC relies on various sources of information that we believe to be accurate and reliable. But we can’t and won’t take responsibility for, or make any claims or representations about, the accuracy, completeness, or even the truth of every bit of data, information, and opinion provided through our Services. Remember: All information and content provided on or by DIY Investing Summit and Investor in the Family LLC is to be used on an “as is, with all faults, we’re not perfect” basis.

Disclaimers of Liability:

NEITHER DIY INVESTING SUMMIT AND INVESTOR IN THE FAMILY LLC NOR ANY OF OUR PARTNERS MAKES ANY WARRANTY THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL THAT YOU PURCHASE OR OBTAIN FROM THE USE OF OUR SERVICES WILL MEET YOUR EXPECTATIONS OR THAT AND ANY ERRORS WILL BE IMMEDIATELY CORRECTED. NEITHER WE NOR ANY OF OUR PARTNERS MAKES ANY 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 SERVICES AND THE ACCURACY OR COMPLETENESS OF THEIR CONTENT.

SOME STATES DO NOT ALLOW EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THAT OF OUR THIRD-PARTY CONTENT PROVIDERS WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Other

If any provision in these Terms and Conditions is found to be invalid, unenforceable, or nonsensical, the remaining provisions will continue in full force and effect. This agreement is and always will be governed by the laws of the United States of America and the State of Texas (except with respect to choice of law). You agree that the proper forum for any claim arising thereunder will be the appropriate Texas court.

Our Services are directed at a U.S. audience. We cannot warrant that the Services are appropriate for users outside the United States or that use of the Services is permitted under the laws of other jurisdictions.

Please note that certain individual Services may have their own, or additional, terms and conditions. In the event of a conflict, the terms for the individual Service will control with respect to the Service in question. So please be sure to review any additional terms and conditions with respect to any specific Service that you subscribe to or use.

These Terms and Conditions, including those that are incorporated by reference, constitute the entire and only agreement between you and DIY Investing Summit and Investor in the Family LLC and govern your use of our sites.

Refund Policy (If applicable to your product.)

We at Investor in the family LLC and DIY Investing Summit. want you to be satisfied with your purchase of conference access.

If you have any questions or problems, please let us know by contacting our support team directly. The email is support (at) investorinthefamily.com.

In the event that you decide your purchase was not the right decision, contact our support team at support (at) investorinthefamily.com, affirm that you gave the conference an honest chance and are not simply stealing information, and we’ll issue you a FULL refund.

To be eligible for a refund, you must submit your request and affirmation before 11:59pm Central Standard Time on the Third day following the opening of the conference or of registration, whichever comes later. After you submit your affirmations, all refunds are discretionary.*

No refunds will be provided more than 30 days following the beginning of the conference or following registration, whichever comes later.

*Note: As mentioned above, all refunds are discretionary. If you just viewed the content and then promptly asked for a refund, we reserve the right to deny your refund request. Why? Because the point of this policy is to give people the chance to benefit from the content, and if not satisfied, they can get their money back. It wasn’t designed to enable people to steal the information and content.

Advertiser Disclosure:

1. Many of the reviews, company, and credit card offers that appear on this site are from companies from which Investor in the Family LLC receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). We do not feature all available company or credit card offers or all credit card issuers.

Despite this compensation, all reviews and content represent the honest opinion and judgment of Investor in the Family LLC. Our goal is to provide our readers with great ideas and opportunities for saving and making money. The opportunity to receive compensation from advertisers is secondary. As with any financial decision, readers should conduct their own research and come to their own independent decisions.

Additional Disclosure Information:

1. Investor in the Family LLC has financial relationships with some of the companies and cards mentioned on this site, and Investor in the Family LLC may be compensated if consumers choose to purchase, sign-up, or apply for these links in the content, and ultimately sign up for them.
2. The editorial content on this site is not provided by any company, bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone, not those of any company, bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
3. See online applications and terms for more information about the terms and conditions for any products or credit card offers. Every sound attempt has been made to preserve precise information. However all company, product, and credit card information is presented without guarantee. After clicking on the offer you desire you will be taken to the company or credit card issuer’s web site where you can review the terms and conditions for your selected offer.
4. These responses are not provided or commissioned by any company or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by any company or bank advertiser. It is not the company or bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Privacy Policy:

This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally identifiable information’ (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.
What personal information do we collect from the people that visit our blog, website or app?
When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address or other details to help you with your experience.
When do we collect information?
We collect information from you when you subscribe to a newsletter or enter information on our site.
How do we use your information?
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
      To improve our website in order to better serve you.
      To allow us to better service you in responding to your customer service requests.
      To administer a contest, promotion, survey or other site feature.
      To send periodic emails regarding your order or other products and services.
How do we protect visitor information?
We do not use vulnerability scanning and/or scanning to PCI standards.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user places an order to maintain the safety of your personal information.
All transactions are processed through a gateway provider and are not stored or processed on our servers.
Do we use ‘cookies’?
We do not use cookies for tracking purposes
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies.
If you disable cookies off, some features will be disabled that make your site experience more efficient and some of our services will not function properly.
However, you can still place orders .
Third Party Disclosure
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information.
Third party links
We do not include or offer third party products or services on our website.
Google
Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en
We have not enabled Google AdSense on our site but we may do so in the future.
California Online Privacy Protection Act
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf
According to CalOPPA we agree to the following:
Users can visit our site anonymously
Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website.
Our Privacy Policy link includes the word ‘Privacy’, and can be easily be found on the page specified above.
Users will be notified of any privacy policy changes:
      On our Privacy Policy Page
Users are able to change their personal information:
      By logging in to their account
How does our site handle do not track signals?
We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third party behavioral tracking?
It’s also important to note that we do not allow third party behavioral tracking
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under 13.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify the users via email
      Within 7 business days
We will notify the users via in site notification
      Within 7 business days
We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
      Send information, respond to inquiries, and/or other requests or questions.
      Process orders and to send information and updates pertaining to orders
      Market to our mailing list or continue to send emails to our clients after the original transaction has occurred
To be accordance with CANSPAM we agree to the following:
      NOT use false, or misleading subjects or email addresses
      Identify the message as an advertisement in some reasonable way
      Include the physical address of our business or site headquarters
      Monitor third party email marketing services for compliance, if one is used.
      Honor opt-out/unsubscribe requests quickly
      Allow users to unsubscribe by using the link at the bottom of each email

If at any time you would like to unsubscribe from receiving future emails, you can
      Follow the instructions at the bottom of each email.
PLEASE READ OUR TERMS OF USE CAREFULLY BEFORE YOU USE OUR WEB SITE
Online Investing Conference and Investor in the Family LLC. (“Online Investing Conference and Investor in the Family” “we,” or “us”) provides its web site, Online Investing Conference and Investor in the Family, located at http://onlineinvestingconference.com/ (together with all other websites and services operated by or on behalf of Online Investing Conference and Investor in the Family LLC, the “Site”), to you, an individual user (“you”) for your individual usage, subject to compliance with the terms and conditions set forth herein.Agreement

By using the Site, you agree to be bound by our Terms of Use (the “TOU”). If you do not agree to the terms and conditions contained in the TOU and Online Investing Conference and Investor in the Family’s privacy policy, please do not access or otherwise use the Site or any information contained herein.
You affirm that you are over the age of 18, as the Site is not intended for children under 18. If it comes to Online Investing Conference and Investor in the Family’s attention through reliable means that a registered user is a child under 18 years of age, Online Investing Conference and Investor in the Family will cancel that user’s account.

We reserve the right at any time to:

•    Change the terms and conditions of the TOU;
•    Change the Site, including eliminating or discontinuing any content or feature of the Site; or
•    Impose fees, charges or other conditions for use of the Site or parts thereof (with reasonable notice).

Online Investing Conference and Investor in the Family may modify the Site at any time without prior notice, and you accept those modifications if you continue to use the Site. You should check the Site frequently to see recent changes.

Important Securities Disclaimer

You understand that no content published on this Site constitutes a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. You further understand that none of the bloggers, information providers, App providers, or their affiliates are advising you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent that any of the content published on the Site may be deemed to be investment advice or recommendations in connection with a particular security, such information is impersonal and not tailored to the investment needs of any specific person. You understand that an investment in any security is subject to a number of risks, and that discussions of any security published on the Site will not contain a list or description of relevant risk factors. In addition, please note that some of the stocks about which content is published on the Site have a low market capitalization and/or insufficient public float. Such stocks are subject to more risk than stocks of larger companies, including greater volatility, lower liquidity and less publicly available information. Blogs, postings or content on the Site which may or may not be deemed by you to be recommendations may have an effect on their stock prices.

You understand that the Site may contain opinions from time to time with regard to securities mentioned in other Online Investing Conference and Investor in the Family blogs or products, and that opinions in one blog or product may be different from those in another blog or product. You understand and agree that, although we require all employees to disclose every stock in which they, their immediate family, or any entity under their control, have a personal interest, if such stock is mentioned in a blog, post, or content which they write, non-employees, including outside bloggers or other content contributors or their affiliates may write about securities in which they or their firms have a position, and that they may trade for their own account, and that they may or may not be subject to a disclosure policy. In cases where Online Investing Conference and Investor in the Family becomes aware that one of its employees has violated his or her disclosure obligation, Online Investing Conference and Investor in the Family will take appropriate action. In addition, outside bloggers or content contributors may be subject to certain restrictions on trading for their own account. However, you understand and agree that at the time of any transaction that you make, one or more bloggers or content contributors or their affiliates may have a position in the securities written about.

You understand that performance data is supplied by sources believed to be reliable, that the calculations herein are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete.

From time to time, reference may be made on our Site to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or opinion, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

All content on the Site is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

No Investment Recommendations or Professional Advice

The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Online Investing Conference and Investor in the Family or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

Limitation of Liability

NEITHER ONLINE INVESTING CONFERENCE AND INVESTOR IN THE FAMILY NOR ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, SUPPLIERS, ADVERTISERS, AGENTS AND SPONSORS ARE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE AND/OR ANY CONTENT CONTAINED THEREIN, OR ANY PRODUCT OR SERVICE USED OR PURCHASED THROUGH ONLINE INVESTING CONFERENCE AND INVESTOR IN THE FAMILY. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING IT. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO ONLINE INVESTING CONFERENCE AND INVESTOR IN THE FAMILY FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL NOT EXCEED THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR ACCESS TO THE SITE OR ANY SERVICES, DURING THE PREVIOUS SIX (6) MONTHS PRIOR TO BRINGING THE CLAIM.
Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you.

Indemnification

As a condition of your use of the Site, you agree to indemnify, defend and hold us, our officers, directors, employees, agents and representatives harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys’ fees), or other expenses that arise directly or indirectly out of or from (a) your violation of the TOU; (b) your use of the Site; (c) your violation of the rights of any third party, or (d) any claim that one of Your User Submissions caused damage to a third party. This defense and indemnification obligation will survive these TOU and your use of the Site.

Termination

You understand and agree that Online Investing Conference and Investor in the Family may, under certain circumstances and without prior notice to you, terminate your access to and use of the Site. Cause for such termination shall include, but not be limited to, (i) breaches or violations of the TOU or other agreements or guidelines, (ii) requests by law enforcement or other government or regulatory authorities or (iii) repeat violators of third party copyrights or other intellectual property.

Other terms

You should not assume that the opinions that people expressed are the opinions of Online Investing Conference and Investor in the Family LLC or anything other than the opinions of the individuals expressing them.

When you look at other people’s predictions, you should remember that those people may have interests in the stocks that they’re making predictions about. For example, some people may hope a company’s stock will go up because they own many shares of it; others may hope that it will rise because they (or family) work for the company; others may hope that the stock will rise. When you review people’s predictions, you should not assume that the person making a prediction is unbiased or independent.

Employees of Online Investing Conference and Investor in the Family LLC may have interests in the stocks about which they make predictions.

Intellectual Property

All of the Content on our websites and any Service we provide is protected by U.S. and international copyright laws and is the property of Online Investing Conference and Investor in the Family LLC and/or providers of the content under license. By “Content” we mean any information, mode of expression, or other materials and services found on Online Investing Conference and Investor in the Family LLC. This includes message boards, blogs, ratings, podcasts, chats, software, our writings, graphics, videos, and any and all other features. You can find out more information on copyright law and the Internet at http://www.templetons.com/brad/copymyths.html.

Any copying, distribution, storing, or transmission of any kind, or any commercial use of our Content, is prohibited without The Online Investing Conference and Investor in the Family LLC’s prior written permission. That means you may not sell, auction, or transfer your registration or any individual publication.

You also may not republish, post, transmit or distribute the Content to online bulletin and message boards, blogs, chat rooms, intranets or anywhere else without our consent. You further agree not to create abstracts from or scrape our Content, for use on another website or service . In short, you may not post our Content anywhere else online. Aside from opening yourself up to liability, distributing our premium Services, stock picks and performance data to other sites and forums is unfair to our members who pay good money to receive our Content.

Please note that notwithstanding the foregoing, when you post content, you are not somehow surrendering your copyright in your expression, but you are granting us an unlimited license to use it. Specifically, by posting content, you agree that Online Investing Conference and Investor in the Family LLC has an irrevocable, perpetual and worldwide license to use republish, distribute, reproduce, display, communicate to the public, adapt, perform, store, translate, sublicense and promote anything you post on our websites. This includes the rights to syndicate and make derivative works out of your content. If you don’t want us to use or republish your content, then please don’t post it on our websites. We’ll only republish your content in context, and we’ll credit you as author (unless we’re using small quotations). We won’t republish your posts in advertising without your permission.

We also ask that you only upload or include on our Services materials you have the right to use.

You agree not to display any of Online Investing Conference and Investor in the Family LLC’s trademarks or use them in any manner without our express written permission.

Disclaimer of Warranties and Liabilities

Online Investing Conference and Investor in the Family LLC provides a very broad range of information and commentary via its many Services. Consequently, as a result of the diverse opinions of our staff, a Online Investing Conference and Investor in the Family LLC Service may, from time to time, take actions or issue recommendations with regard to specific securities that are different from those taken or issued by another Service we provide.

Additionally, we’re not investment advisors and we cannot provide personalized advice. We can’t know all the relevant facts about you and your individual needs, and we cannot claim or represent that any particular Services are suitable for you. If you want personal advice, then you should seek a registered investment advisor.

Affiliates of Online Investing Conference and Investor in the Family LLC provide individualized investment advice and investment products. These companies may recommend or hold securities mentioned in our publications. Editorial personnel have no nonpublic knowledge of our affiliates’ holdings and/or specific recommendations, and the affiliates’ personnel have no knowledge of any editorial content before it is published.

Online Investing Conference and Investor in the Family LLC may partner with third parties in order to make buying our service’s recommendations easier for you. We will not, and can not, trade on your behalf at your brokerage. Only you can decide whether or not a stock is right for you and you agree to be liable for any trades you initiate at your brokerage using tools that we or our partners provide.

Online Investing Conference and Investor in the Family LLC does not warrant the completeness or accuracy of the Content found in our Services or its usefulness for any particular purpose. Online Investing Conference and Investor in the Family LLC makes no promises that our content or any of the Services will be delivered to you on an uninterrupted, timely, secure, or error-free basis. In fact, we’re not making any promises or warranties except that we’ll do our best to provide interesting and helpful information and education. Other than that, we reserve the right to be wrong.

Now what does all this mean? It means that you agree that under no circumstances will Online Investing Conference and Investor in the Family LLC, its employees, or its agents be liable for direct, indirect, incidental or any other type of damages resulting from your use or downloading of any material on our sites, even if we have been advised of the possibility of such damages. This includes, but is no way limited to, loss or injury caused in whole or in part by our negligence or by stuff beyond our control in creating or delivering any of our Services.

One of the principal tenets here at the Online Investing Conference and Investor in the Family LLC is that the best person to handle your finances is you. By your use of our Services, you’re agreeing that you bear responsibility for your own investment research and investment decisions. You also agree that Online Investing Conference and Investor in the Family LLC, its directors, its employees, and its agents will not be liable for any investment decision made or action taken by you and others based on news, information, opinion, or any other material published through our Services. The Online Investing Conference and Investor in the Family LLC relies on various sources of information that we believe to be accurate and reliable. But we can’t and won’t take responsibility for, or make any claims or representations about, the accuracy, completeness, or even the truth of every bit of data, information, and opinion provided through our Services. Remember: All information and content provided on or by Online Investing Conference and Investor in the Family LLC is to be used on an “as is, with all faults, we’re not perfect” basis.

Disclaimers of Liability:

NEITHER ONLINE INVESTING CONFERENCE AND INVESTOR IN THE FAMILY LLC NOR ANY OF OUR PARTNERS MAKES ANY WARRANTY THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL THAT YOU PURCHASE OR OBTAIN FROM THE USE OF OUR SERVICES WILL MEET YOUR EXPECTATIONS OR THAT AND ANY ERRORS WILL BE IMMEDIATELY CORRECTED. NEITHER WE NOR ANY OF OUR PARTNERS MAKES ANY 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 SERVICES AND THE ACCURACY OR COMPLETENESS OF THEIR CONTENT.

SOME STATES DO NOT ALLOW EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THAT OF OUR THIRD-PARTY CONTENT PROVIDERS WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Other

If any provision in these Terms and Conditions is found to be invalid, unenforceable, or nonsensical, the remaining provisions will continue in full force and effect. This agreement is and always will be governed by the laws of the United States of America and the State of Texas (except with respect to choice of law). You agree that the proper forum for any claim arising thereunder will be the appropriate Texas court.

Our Services are directed at a U.S. audience. We cannot warrant that the Services are appropriate for users outside the United States or that use of the Services is permitted under the laws of other jurisdictions.

Please note that certain individual Services may have their own, or additional, terms and conditions. In the event of a conflict, the terms for the individual Service will control with respect to the Service in question. So please be sure to review any additional terms and conditions with respect to any specific Service that you subscribe to or use.

These Terms and Conditions, including those that are incorporated by reference, constitute the entire and only agreement between you and Online Investing Conference and Investor in the Family LLC and govern your use of our sites.

Refund Policy

We at Investor in the family Llc and Online investing conference. want you to be satisfied with your purchase of conference access.

If you have any questions or problems, please let us know by contacting our support team directly. The email is support (at) investorinthefamily.com.

In the event that you decide your purchase was not the right decision, contact our support team at support (at) investorinthefamily.com, affirm that you gave the conference an honest chance and are not simply stealing information, and we’ll issue you a FULL refund.

To be eligible for a refund, you must submit your request and affirmation before 11:59pm Central Standard Time on the Third day following the opening of the conference or of registration, whichever comes later. After you submit your affirmations, all refunds are discretionary.*

No refunds will be provided more than 3 days following the beginning of the conference or following registration, whichever comes later.

*Note: As mentioned above, all refunds are discretionary. If you just viewed the content and then promptly asked for a refund, we reserve the right to deny your refund request. Why? Because the point of this policy is to give people the chance to benefit from the content, and if not satisfied, they can get their money back. It wasn’t designed to enable people to steal the information and content.

Contacting Us
If there are any questions regarding this privacy policy you may contact us using the information below.
http://investorinthefamily.com/
Dallas
United States
PO Box 140325
TX
75214
mail@investorinthefamily.com
Last Edited on 2014-09-23