Handling of Emergency Issues
Because we are a small boutique investment research firm, we have greater limitations with regards to dealing with emergency and other unforeseen issues which could hinder our abilities to deliver research publications on time. Even though we will do all in our power to make sure to remedy all emergency situations, there is a possibility that we will be unable to deliver research publications to subscribers during one or more months. If this happens, all Clients and research subscriibers will be notified. We will do our best to mitigate the situation. This might entail delivering the research in different formats (e.g. audio, video, written). The research might also be led by one or more individuals designated and approved by Mike Stathis, head of research and trading. If we are unable to publish research to subscribers for one month or more or if research is delayed by one month or more, we will credit each subscriber's account with the number of months research was not delivered as expected.
As of October 30, 2014, after publishing research since May 2009, we have not failed to deliver research publications to any of our Clients as promised even though we have encountered several unforeseen issues.
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.
We may offer complimentary Membership benefits to newsletter subscribers at no additional cost. However, if for whatever reason newsletter subscribers are unable to access articles and other things on the avaresearch.com website, log into their account (Client or Member), we will not provide any credits, refunds or any other financial reward. Payment for the newsletters is for the newsletters. Any and all services we offer in addition to a newsletter subscription (such as Membership) is offered with no guarantees.
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