Last Updated on January 5, 2012
Each of the newsletters offered for paid subscription (Intelligent Investor, Dividend Gems, Market Forecaster, here after known as the Newsletters) are written by, supervised under the direction of, and/or approved by Mike Stathis, the Chief Investment and Trading Analyst of AVA Investment Analytics (here after known as the Author). Neither Mike Stathis nor AVA Investment Analytics is a registered investment advisor.
We do not provide any refunds, nor do we offer any guarantees. Your results will depend on how you interpret and utilize this research.
We have three types of Subscribers - retail investors, financial advisers and institutional investors.
Retail investors are defined as individual investors who do not work in the financial industry.
Financial advisers work in the financial industry and have access and/or manage accounts for clients.
Institutional investors includes mutual fund managers and analysts, endowment and pension managers, fund managers and analysts of family offices, hedge fund managers and other financial professionals.
Expiration of the Lifetime Rate Lock-in
On January 5, 2012, we announced the discontinuation of the lifetime rate lock-in for renewals of the Intelligent Investor. The expiration of this lock-in agreement was midnight January 10, 2012.
All retail subscribers who renewed by this expiration or prior to that time received a default lock-in rate of their annual subscription (to be paid within 30 days of expiration each year) to the Intelligent Investor for life as long as they remain continuous subscribers.
We plan to notify subscribers that their subscription has ended so they can conitinue to receive this lifetime rate. However, we cannot guarantee all subscribers will receive a notification, nor do we guarantee such notification will be timely. If the 30-day grace period lapse without payment for the new subscription period, the lifetime renewal rate will cancelled.
After this expiration, we will NO LONGER allow subscribers to the Intelligent Investor to lock in their annual rate for life.
We will honor all previous lock-in rates for retail subscribers of the Intelligent Investor. If you have already locked in your annual rate (or do so prior to the deadline) this rate will be honored.
We may decide in the future to reinitiate this special lifetime rate lock-in on a limited basis.
Note: we do not offer lifetime lock-in rates for the Market Forecaster or Dividend Gems. And we have no immediate plans to offer such a program for these publications.
Professional Investors Are Not Eligible to Lock in Rates
Financial advisers and financial institutions (including research analysts and fund managers) are not permitted to lock in the annual rate to the Intelligent Investor for life.
Financial advisers, fund managers, analysts and other professional investors who wish to subscribe to one or more of our investment publications must pay the subscription rate for financial advisers or financial institutions even if they plan to use our research publications for personal use only.
Furthermore, financial advisers and financial institutions that are currently subscribed to the Intelligent Investor and wish to renew their subscription are required to renew at the applicable rate listed at the time when they renew, as given on the subscription page (upper right banner).
Any possible discounts we may offer to financial advisers and financial institutions will only be considered based on prepayment for multiple subscriptions and/or time periods.
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We also reserve the right to pursue damages in a court of law if our intellectual property rights are violated.
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All prospective (and current) subscribers must subscribe to the option that fits their category. Failure to do so constitutes fraud. Upon detecting subscriber fraud, we will immediate terminate all subscriptions associated with the fraud without refund. We may also pursue fraud charges in criminal and/or civil court.
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If you fail to disclose that you are a financial adviser, fund manager, analyst, manager of a family office, pension or endowment fund manager, or any other category of professional investor, we reserve the right to terminate your subscription immediately without issuing a refund and to pursue a legal judgment against you and your representing firm for violating our intellectual property rights.
All opinions expressed on the website (known here after as www.avaresearch.com), in the Newsletters, special reports, or any other form of communication published by AVA Investment Analytics either located on www.avaresearch.com, print or digital format are solely the current opinions of the Author and the staff at AVA Investment Analytics at the time they were written or otherwise communicated in relation to AVA Investment Analytics. None of the Author, staff of AVA Investment Analytics owes any fiduciary obligation to any reader of the Newsletter. The opinions expressed in the Newsletter may be short-term in nature and are subject to change.
The Author is considered an agent of AVA Investment Analytics and is employed as a research analyst. The Author discusses analysis of securities which he may or may not hold positions. During periods when the Author discusses that he may hold positions or plans to liquidate, initiate or add to securities positions, the decision to follow through with these plans may change based on numerous variables.
Any mention by the Author of his own asset allocation, securities positions, trading, risk management or other strategies are only meant to serve as a general illustrative example and in no instance should readers interpret these disclosures, opinions and strategies to be suitable for their own financial profile. It is the responsibility of each reader to determine his or her own suitability for all recommendations and illustrations contained within the Newsletter and all other publications distributed by AVA Investment Analytics, including material published on www.avaresearch.com.
Past performance is not indicative of future results. None of the Author, staff of AVA Investment Analytics guarantees any specific outcome or profit. All investments involve substantial monetary risk, including the risk of losing one's entire investment.
None of the information contained within any of our Newsletters, research reports, trading guidance or any other publication constitutes, or is intended to constitute, a recommendation by the Author, staff or AVA Investment Analytics that any particular security, investment or strategy is suitable for any specific person. Each reader should determine his or her own investment suitability, preferably with the assistance of a registered financial representative or investment adviser.
None of the information contained in the Newsletter is, or is intended to be, personalized investment advice. Investments or strategies mentioned in the Newsletter may not be suitable for all individuals. All readers of the Newsletter should make their own independent decision regarding them. The material contained in the Newsletter does not take into account each reader's particular investment objectives, financial situation or needs. All readers should strongly consider seeking advice from their own investment adviser.
We do not issue refunds. We provide investment research, analysis and educational material. Thus, there are no guarantees or warranties of any kind offered by this publication or on the web site, implied or non-implied.
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