These are the terms and conditions which apply to your subscription(s) to Money Revealed, a newsletter managed by Saint Paul Research LLC publications (both free and paid, online and hard copy), conference and seminars, the purchase of conference and seminar materials, products, and your use of the websites provided by Money Revealed, and Saint Paul Research LLC (together, the “Services”).
By using or purchasing our Services, you agree to be bound by these terms and conditions and they shall constitute the entire agreement between you and the Money Revealed newsletter, managed by Saint Paul Research LLC (the “Agreement”).
If we change our terms and conditions, we will notify you of those changes here.
The advice we provide is published generally, is not personal to you and does not take account of your personal circumstances. We do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability or appetite for risk.
If you need guidance on interpreting our advice in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional. You should also interpret our advice in light of the risk warnings that are contained within it.
Your order will be processed in 3-5 business days from the date it was placed.
If your order is on backorder, you will be notified. The order will be processed once the item is back in stock.
The transaction will be reflected on your card statement as “PSV* [Name of Subscription]” or simply “[Name of Subscription]”.
Shipping fees and options, where applicable, are clearly disclosed on your order form at the time of purchase.
For Auto Renewal Subscriptions Only
If you enrolled in a subscription then we will charge your card at the frequency and price disclosed to you on the checkout page on which you provided your credit or debit card information.
Confirmation of your order
If you order one of our own Services, within two working days of your order you will be sent an email which confirms receipt of your order. It will not contain the payment details provided by you.
In the event the payment method you provided fails, a customer services representative will contact you by telephone (if you have supplied your number) or by email or letter, to check the details you have supplied, and re-try the authorization process. Again, if we contact you by email or letter, our correspondence will not contain any payment details.
Ending a subscription
We are entitled to terminate your paid or unpaid subscriptions and access to our Websites at any time without notice. Provided you have not breached these terms and conditions, if we terminate a paid subscription of a fixed term we will refund the unused portion of your subscription fee.
If you wish to cancel your subscription, you may email customer service at email@example.com or call (844)370-6637 between 9 a.m. and 5 p.m. Eastern Time.
The refund and credit policy applicable to your purchase can be found on your order form and in your confirmation email. Prorated refunds are available unless otherwise stated.
Refunds are processed within 14 days of receipt of your request to cancel your subscription.
Reliance on content
Content in our publications is for general information only and is not intended to be relied upon by users in making (or not making) specific investment decisions. We try to ensure that the content of our Services is up to date and accurate, but we do not guarantee the accuracy of the information. We urge customers to perform their own due diligence.
We do everything in our power to ensure that our websites are fully operational and available to you at all times. However, in order to make sure they are up to date and offering you the best service, access may sometimes be interrupted or restricted to allow for maintenance or the introduction of new facilities and services.
Copyright and trademarks
Copyright in all information, text and images featured in the Services, is owned by or licensed to Money Revealed, a division of Saint Paul Research LLC (“Our Content”). Provided that you acknowledge us as the source of the information, you are entitled to save or download one copy of any of Our Content for the purposes of reference, but you are not entitled to make any further copies of the work.
All property rights remain with Money Revealed, a division of Saint Paul Research LLC. Other than as provided in these terms and conditions, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, or use for any public or commercial purpose any of Our Content without our prior written permission.
Breach of these terms and conditions
We have the right, but not the obligation, to monitor any activity and content associated with the Services. We may investigate any reported violation of these terms and conditions and take any action that we deem appropriate. This may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access to and use of the Services.
This Agreement shall be governed by and construed in accordance with the laws of the State of Maryland, United States of America, without regard to choice or conflicts of law principles. Further, you agree to the jurisdiction of the courts of the United States District of Maryland to resolve any dispute, claim or controversy that relates or arises in connection with the Agreements.
At Saint Paul Research we appreciate the trust our readers put in us, and we are committed to earning your trust by:
We have strict corporate rules that forbid our editors from owning the stocks they recommend. All other members of our staff must wait 24 hours after any recommendation is published online or 72 hours after the mailing of a print-only publication to buy a security recommended in our pages. We also forbid any employee from accepting gifts or money from the companies we cover. And we do not accept any kind of advertising or fees from any company whose securities we have recommended.
Honoring our guarantees quickly and without question
We have a team of trained men and women who answer your calls. These folks are located right in our home office, in Baltimore. If you are ever not happy for any reason, call us.
Because we are publishers and not financial advisors, we do not provide personalized investment advice tailored to your personal situation. We make specific recommendations, but those should not be construed as personal investment advice. Also, please keep in mind that our Customer Service department is trained to only answer questions about your subscriptions. They cannot answer questions about our research or your investments.
Since our newsletters are public, some of the particular strategies or recommendations may not be appropriate for you.
Investing, of course, also involves risk
The amount of investment risk varies among the newsletters we publish. Some are conservative, some aggressive. Some of the investments you will see recommended in our pages will cause losses. Past results never guarantee future returns — and our work cannot be and is not guaranteed. You are responsible for your own investments. Caveat emptor applies, at all times, to the investment research we sell.
At Saint Paul Research, we are diligent in citing sources and checking facts. Still, we cannot guarantee that we won’t occasionally print information that is unintentionally inaccurate in some way. You should always double-check any important financial information, such as stock prices or balance sheet facts, before making final decisions. We do our absolute best to never make errors, but we are not responsible for any losses you may suffer as a result of errors.
Some of the strategies we endorse in our pages may not be legal where you live. Or they may have tax consequences that are unknown and unanticipated by our analysts. We urge all subscribers to consult with licensed brokers and asset managers for questions regarding investments.
In much of our work, we use “price limits,” which means buying a stock below a certain price, or selling it above a certain price. This information is frequently critical to our specific recommendations. Never rely on our advertisements for financial information. Always consult the most recent editions of our publications for the current status of any recommendation.
Many of our publications also contain “model” portfolios that attempt to approximate the results a subscriber may have obtained by following the strategies and the recommendations discussed in the publication. We do not make any claim that our subscribers will achieve results that are even approximate to these examples. The model portfolios serve only to track the hypothetical results of a newsletter recommendation at the time it is made, not an actual portfolio.
All of our publications are copyright protected.
We kindly ask that you not reproduce, distribute, transmit, disseminate, sell, publish, display, broadcast, circulate, photocopy, or forward any part of any of our publications, reports, emails or websites to anyone, including but not limited to: colleagues in your office; family members; or your professional representatives, such as your broker, without the express prior written consent of Saint Paul Research.
Software has been installed on our web servers, and will be in installed on your Internet browser when you login, that will let us know if you have shared your password with another user. Software also enables us to determine if you share our copyrighted materials via email, or if you make multiple copies of our newsletters. Any such digital proof that a subscriber has violated this user agreement will result in the immediate termination of their subscription, without a refund.
In other words, we take our copyright seriously. We will bring legal action to ensure our rights are respected by all subscribers, at all times, in all countries. The Copyright Act imposes a fine of up to $150,000 per issue for infringement — no exceptions.
We hope that you enjoy and benefit from our work, and look forward to doing business together for many years to come.