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Subscription Agreement

Last revised on January 23, 2014
 
 
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.

 

Lifetime Rate Lock-in

On occassion, we may offer (with limitations) the opportunity for retail subscribers to one or more of our newsletters to lock-in their annual subscription rate (to be paid within 30 days of expiration of their newsletter subscription term) for life as long as they remain continuous subscribers as long as they abide by the terms of this rate lock-in as well as the Subscription Terms.

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.

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.

We reserve the right to verify the claimed status of each subscriber.  We also expect all subscribers to adhere to all copyright and trade secret laws.  In no instance do we permit sharing of our research publications (including the investment newsletters) with other individuals or organizations. If we detect any instance of fraud, we reserve the right to cancel your subscription WITHOUT A REFUND.  

We also reserve the right to pursue damages in a court of law if our intellectual property rights are violated.

 

You Agree to Accept Our Code of Conduct

If you do not agree to accept our Code of Conduct, do NOT use our website, do NOT subscribe as a Member and do NOT subscribe to our research.

We do NOT acknowledge any form or so-called "political correctness" and we will NOT structure our content in order to satisfy rules of behavior that seek to comply with commonly accepted norms of "political correctness." This means we could use "foul language," gender specific slants, so-called "racial slurs" and so forth. Furthemore, we do NOT acknowledge the term "racism." We believe it is a term created and used with the intent to manipulate the psyche in order to paralyze individuals into a fear of speaking the facts.

We often discuss topics that are viewed as politically incorrect or even so-called "hate speech" by the powers at be. We do NOT recognize these ridiculous designations and we will continue to express our views unhindered. Although it is rare that we discuss such topics in the research, it is a possibility. More often, these topics will be discussed in the articles and videos we publish on the site.

 

Penalties for Subscription Fraud

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.

Subscribers must pay for individual newsletter subscriptions. We own all copyrights to our publications.  As a paid subscriber to one or more of our newsletters, you agree to keep these publications confidential.

You are not permitted to share the researchor analysis with anyone.

You are not permitted to disclose any securities recommendations, analyses, opinions, etc. in the public domain or with anyone.

You are not permitted to use our research (all publications including all investment newsletters) to manage any investment funds other than those directly in your name.

If you are a financial adviser, fund manager, analyst, fund manager of a family office, pension or endowment fund manager, or other category of professional investor, you are required to disclose this to us and submit the appropriate subscription rate.

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. 
 
It is up to each reader to ensure they have provided AVA Investment Analytics with access to a working and reliable email account by which to deliver publications. We are not responsible for publications that may get lost in email transit. Readers are expected to contact AVA Investment Analytics if they have not received the scheduled publication as soon as possible.
 
The material contained in each newsletter is protected by trade secret law and cannot be shared or discussed with anyone. Laws pertaining to trade secret and copyright will be rigorously enforced according to the statues set forth by the U.S. Patent and Trademark Office and the applicable Copyright Acts.
 
AVA Investment Analytics reserves the right to refuse to conduct business with anyone who we believe poses as a risk of disseminating our research or analysis, anyone who has violated the terms of this agreement, or for any other reason.
 
We explicitly prohibit newsletter publishers or any other provider of financial data, analysis and/or investment guidance access to our research publications. Any such publisher who wishes to utilize our research publications must contact us to arrange a licensing fee. We reserve the right to deny our research to all publishers of financial data, analysis and investment guidance.

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