Terms and Conditions

Intelligent Investing Terms and Conditions (“Agreement”)

1 Introduction
1.1 PLEASE READ THIS LEGALLY BINDING AGREEMENT CAREFULLY. IT IS RECOMMENDED THAT YOU PRINT, STORE, AND SAVE A COPY OF IT FOR YOUR RECORDS. It sets out the terms under which a company or an individual (the “Customer” or “you”) and its Users (as defined below) are allowed to use one of the following. THE CUSTOMER MUST HAVE AN ACTIVE AUTOMATIC PAYPAL PAYMENT PROFILE WITH INTELLIGENT INVESTING AT ALL TIMES TO RECEIVE ACCESS TO INTELLIGENT INVESTING’S SERVICES, AS THAT IS THE LEGALLY BINDING AGREEMENT BETWEEN BOTH PARTIES. NO SERVICE WILL EVER BE PROVIDED WITHOUT AN ACTIVE AUTOMATIC PAYPAL PAYMENT PROFILE. 

(a) the intelligent investing website and the content available on or through the intelligent investing website;
(b) the intelligent investing premium member content and the premium content available on or through the intelligent investing emails;
(ch) a combination of any of the above, all of which are subscription services; or

(d) the Intelligent Investing website and the content available on or through the Intelligent Investing website. You do not need a subscription to view Intelligent Investing. However, you will be required to register to use the premium membership content. In each case, the website is the “Service,” and the content available on or through the Service is the “Content”, irrespective of the device used to access it.

“Users” means:
The Customer’s full-time employees and the full-time employees of the Customer’s wholly-owned subsidiaries (each a “Subsidiary”);

1.2 Each time you access any of the Services, you confirm your agreement to this Agreement. This Agreement governs the Customer’s and its Users’ access to and use of the Services and Content. If you are accepting on behalf of your employer or another entity, you warrant and represent that: (i) you have the full legal authority to bind your employer or the applicable entity to this Agreement; (ii) you have read and understood this Agreement; and (iii) you agree on behalf of the party that you represent to this Agreement.

1.3 If you disagree with the terms and conditions, you should not use the Intelligent Investing Premium Membership Services or any Content. If you have a subscription to the Services, you should cancel any subscription. Refunds for any pre-paid fees will not be provided.

1.4 This version of the Agreement was first published on August 5, 2014, and constitutes the entire agreement between Intelligent Investing and Customer as to the subject matter hereof and supersedes all previous agreements, communications, representations, and arrangements unless expressly agreed to otherwise by the parties in writing. Intelligent Investing may change the terms of the Agreement from time to time and will publish details of the changes in Section 10 below. Customers should regularly check Section 10 to see if any changes have been made. If the Customer is not a subscriber to the Services, any changes will become effective as soon as Intelligent Investing notifies the Customer of them. If Customer subscribes to the Premium Services, any revised terms of the Agreement shall only apply to Customer with effect from the renewal of its then-current subscription. If the Customer does not agree with any of the changes, then the Customer may cancel the subscription at anytime. Refunds for any pre-paid license fees will not be provided.

2 Proprietary Rights and Permitted Use.

2.1 Intelligent Investing owns all intellectual property rights (including copyright and database rights) in the Services and the Content. Intelligent Investing has made a substantial investment in obtaining, verifying, and presenting the Content, and this Agreement prevents the extraction or re-utilization of the Content.

2.2 Only registered membership paying Users will be permitted to view any Premium Membership Content.

2.3 Customer’s usage rights are limited as follows. Users may, on a non-exclusive basis, use the Content for research and current awareness purposes in the normal course of business, which includes:

(a) Retrieving and viewing Content on any compatible device;

(b) Making and storing electronic copies or print copies of the Content (for the avoidance of doubt, this right is limited to Users and shall not entitle Users or Customer to develop an archive of the Content); and

(c) Emailing individual articles -not premium member updates- taken from the Website to individuals on an occasional and non-systematic basis, aka “Forward to a Friend,”; provided that the Customer ensures that (a) its clients or other professional persons to whom the articles are being sent are made aware that the articles may not be redistributed or sublicensed and (b) such articles (or portions of articles) are attributed to Intelligent Investing.

2.4 Customer shall not (and shall not permit any third party or User to):

(a) Except as expressly permitted above, copy, cut and paste, reproduce, forward, broadcast, transmit, modify, adapt, edit, abstract, create derivative works of, store, archive, aggregate, publicly display, redistribute, syndicate, share, license, sub-license, publish, sell or in any way commercially exploit any of the Intelligent Investing Content. In particular, Customer and Users shall not forward any Content to any individual or other third party by email or otherwise (except as permitted above via the “Forward to a Friend” function) and nor shall Customer or Users publish any Content on a website, intranet, extranet, email service or in any other electronic or hard copy product or service; or

(b) Share usernames and/or passwords among Users or any third party; or

(c) Remove the copyright or trademark notices from the Service or any copies of Content permitted to be made as above; or

(d) Frame, harvest, or scrape the Content or otherwise access the Content for similar purposes; or

(e) Use the Service or Content for any unlawful purpose.

2.5 Intelligent Investing reserves the right to monitor the use of any of its Services. If Intelligent Investing finds a Customer and/or a User in breach of the above, Intelligent Investing reserves the right to immediately cancel the Customer and User’s access to services immediately, restrict access indefinitely, and invoice a $250 one-time fee that Customer/User must pay to avoid legal charges and/or prosecution for Copyright Infringement to the laws fullest extend (See 2.7)

2.6 PLEASE NOTE THAT IN ADDITION AND WITHOUT PREJUDICE TO INTELLIGENT INVESTING’S RIGHTS AT LAW TO RESTRICT THE TYPES OF USE REFERRED TO ABOVE, THESE RESTRICTIONS ARE ALSO CONTRACTUAL IN NATURE AND BIND ALL USERS OF ANY SERVICE AND/OR CONTENT. ALL RIGHTS RESERVED BY INTELLIGENT INVESTING UNDER THIS AGREEMENT ARE WITHOUT PREJUDICE TO ALL OF INTELLIGENT INVESTING’S OTHER RIGHTS, WHETHER UNDER THIS AGREEMENT, AT LAW (INCLUDING APPLICABLE COPYRIGHT LEGISLATION), EQUITY, OR OTHERWISE.

2.7 COPYRIGHT LEGISLATION provides for the following penalties (a) Infringer pays the actual dollar amount of damages and profits. (b) The law ranges from $200 to $150,000 for each work infringed. (c) Infringer pays for all attorney’s fees and court costs. (d) The Court can issue an injunction to stop the infringing acts. (e) The Court can impound the illegal works.

3 Privacy Policy, Registration, and Technical Requirements.

3.1 All information received by Intelligent Investing from Customers and the Users from the use of any Service will be used by Intelligent Investing in accordance with the Privacy Policy available on the Service’s website.

3.2 On registration, Users must provide Intelligent Investing with accurate, complete registration information, and Intelligent Investing is entitled to rely on any information Users provide to it. Intelligent Investing shall provide the Users with access to the Service through the email domains agreed to by the Customer and Intelligent Investing within 24 hours of receipt. It is the responsibility of the Customer and each User to update and maintain changes to the registration information by contacting Intelligent Investing. It is the responsibility of the Customer and each User to maintain its Premium Membership Subscriptions, aka Automatic Payments. Intelligent Investing is not responsible. See also section 4.1. Each premium membership registration is for a single User only. On registration, each User will be sent a password (“ID”). Intelligent Investing does not permit any other person to share an ID or access through a single ID being made available to multiple Users on a network or within an organization. A separate registration is required for each User within an organization. Intelligent Investing may cancel or suspend access to the Content if the Customer or any User does this without further obligation to the Customer or the Users.

3.3 Customer is responsible for all use of the Premium Membership Services made by the Users and for preventing unauthorized use of an ID. If a User wishes to change their password, or if the Customer believes there has been any breach of security such as the disclosure, theft, or unauthorized use of an ID, the Customer must notify Intelligent Investing immediately by e-mailing to info@intelligentinvesting.market.

4 Intelligent Investing’s Responsibilities to Customer.

4.1 A summary of what this section means: this section is important and you should read it carefully. It makes clear to what extent, if any, Intelligent Investing accepts responsibility (liability) to Customer for Customer’s use and for the Users’ use of the Services or the Content or in respect of any third-party products or services referred or linked to in the Services. Unless the Customer has a paid-for Subscription, Intelligent Investing accepts no financial responsibility to the Customer arising from the use of any Service or the Content. If the Customer has a paid-for Subscription, Intelligent Investing limits its financial responsibility to the Customer arising from the use of any Service or the Content to the price paid for the Subscription. In no circumstances does Intelligent Investing accept responsibility for use of Third Party Sites or third-party products or services. Intelligent Investing is not responsible for maintaining a Customer and/or User’s Automatic Payment Profiles, which shall be maintained and canceled as per section 6.

4.2 Limitations of Content: The Content is only for general information and use and is not intended to address particular requirements. In particular, the Content, including any content provided by third parties and published through a Service or the UGC, does not constitute any form of advice, recommendation, representation, endorsement, or arrangement by Intelligent Investing and is not intended to be and should not be relied upon by users in making (or refraining from making) any specific business, investment or other decisions. Appropriate independent advice should be obtained before making any such decision. Any agreements, transactions, or other arrangements made between Customer and any third party named on (or linked to from) a Service are at Customer’s sole risk and responsibility. Intelligent Investing is not responsible for any use of the Services or Content outside its scope as stated in this Agreement.

4.3 What we promise: INTELLIGENT INVESTING WILL TRY TO DEVELOP AND OPERATE THE SERVICES WITH REASONABLE SKILL AND CARE AND WILL USE REASONABLE EFFORTS TO PROMPTLY REMEDY ANY FAULTS OF WHICH IT IS AWARE. THIS IS THE ONLY PROMISE INTELLIGENT INVESTING MAKES IN RELATION TO THE PROVISION OF THE SERVICES AND THE CONTENT.

4.4 What we do not promise: INTELLIGENT INVESTING’S SERVICES AND THE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THIS MEANS THAT INTELLIGENT INVESTING DOES NOT MAKE ANY PROMISES IN RESPECT OF THE SERVICES AND THE CONTENT OR THE SERVICES AND FUNCTIONS AVAILABLE ON OR THROUGH ITS WEBSITE OR OF THE QUALITY, COMPLETENESS, OR ACCURACY OF THE INFORMATION PUBLISHED OR LINKED TO FROM THE SERVICES. TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, INTELLIGENT INVESTING DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, CONDITIONS, AND DUTIES (EXCEPT ANY DUTIES OF GOOD FAITH) OF ANY KIND, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY, OR OF FITNESS FOR A PARTICULAR PURPOSE. INTELLIGENT INVESTING ALSO DOES NOT MAKE ANY PROMISES AS TO THE TIMELINESS, SECURITY, PERFORMANCE, OR AVAILABILITY OF THE SERVICES AND DOES NOT PROVIDE ANY WARRANTY OR REPRESENTATION THAT THE SERVICES OR THE CONTENT IS FREE FROM INFECTION FROM VIRUSES OR ANYTHING ELSE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES.

4.5 Our financial responsibility to Customer: CUSTOMER AGREES THAT IF INTELLIGENT INVESTING IS IN BREACH OF THIS AGREEMENT, INTELLIGENT INVESTING WILL ONLY BE RESPONSIBLE (LIABLE) TO CUSTOMER FOR ANY DAMAGES INCURRED ARISING OUT OF CUSTOMER’S USE OF ANY SERVICE OR THE CONTENT (TO THE EXTENT THAT INTELLIGENT INVESTING’S LIABILITY IS NOT OTHERWISE EXCLUDED BY THIS SECTION 4) AS FOLLOWS:

(a) IF CUSTOMER INCURS ANY LOSS AS A RESULT OF USING ANY SERVICE OR ANY CONTENT OUTSIDE THE SCOPE OF THIS AGREEMENT, INTELLIGENT INVESTING ACCEPTS NO RESPONSIBILITY (LIABILITY) TO CUSTOMER FOR SUCH LOSS.

(b) IF CUSTOMER HAS PAID FOR A SUBSCRIPTION, THEN INTELLIGENT INVESTING ACCEPTS RESPONSIBILITY (LIABILITY) TO CUSTOMER FOR ANY DIRECT DAMAGES ACTUALLY INCURRED ARISING OUT OF USE OF THE RELEVANT SERVICE OR THE CONTENT IN ACCORDANCE WITH THIS AGREEMENT, SUBJECT TO A LIMIT EQUAL TO THE PRICE PAID BY CUSTOMER TO INTELLIGENT INVESTING FOR THE MONTHLY SUBSCRIPTION DURING THE YEAR IN WHICH THE DAMAGE HAS BEEN INCURRED. CUSTOMERS MAY AT THEIR OPTION RECEIVE A RENEWAL TO THE SUBSCRIPTION FREE OF CHARGE AT THE POINT OF RENEWAL, IN PLACE OF MONETARY DAMAGES.

(c) IF CUSTOMER HAS NOT PAID FOR A SUBSCRIPTION, THEN INTELLIGENT INVESTING ACCEPTS NO RESPONSIBILITY (LIABILITY) TO CUSTOMER FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF USE OF ANY SERVICE OR ANY CONTENT.

(d) INTELLIGENT INVESTING SHALL NOT HAVE ANY RESPONSIBILITY (LIABILITY) TO THE CUSTOMER FOR: (A) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL LOSS OR DAMAGE OF ANY KIND WHATSOEVER; OR (B) ANY LOSS OF PROFITS, LOSS OF REVENUE, ANTICIPATED SAVINGS, LOSS OF BUSINESS OR LOSS OF DATA, ARISING DIRECTLY OR INDIRECTLY FROM THIS AGREEMENT WHETHER SUCH DAMAGES WERE REASONABLY FORESEEABLE OR ACTUALLY FORESEEN.

4.6 THE LIMITATIONS OF LIABILITY IN THIS SECTION 4 APPLY FOR THE BENEFIT OF INTELLIGENT INVESTING, ITS AFFILIATES, AND ALL OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS AND ASSIGNS.

4.7 TO THE FULL EXTENT PERMITTED BY LAW CUSTOMER ACKNOWLEDGES AND AGREES THAT INTELLIGENT INVESTING’S THIRD-PARTY CONTENT AND DATA SUPPLIERS HAVE NO LIABILITY WHATSOEVER TO THE CUSTOMER IN RESPECT OF ANY OF THEIR DATA SUPPLIED TO THE CUSTOMER AS PART OF THE CONTENT. THE CUSTOMER ALSO AGREES TO WAIVE, TO THE FULL EXTENT PERMITTED BY LAW, ANY RIGHT IT MAY HAVE TO BRING LEGAL CLAIMS AGAINST SUCH THIRD PARTIES ARISING FROM THE USE OF THEIR CONTENT IN ANY SERVICE.

4.8 Notwithstanding anything else in this Section 4, Intelligent Investing’s liability will not be limited in the case of death or personal injury directly caused by Intelligent Investing’s negligence in those countries where it is unlawful for Intelligent Investing to seek to exclude such liability.

4.9 The above disclaimers and restrictions on liability apply equally to the use of the Services and all Content.

4.10 Without limiting the above, Intelligent Investing is not liable for matters beyond its reasonable control. Intelligent Investing does not control postal or courier services, telephones, third-party communications networks (including Internet Service Providers), the Internet, acts of God, or the acts of third parties. The customer is responsible at its cost for obtaining all hardware and communications services needed to access the Services.

5 Third-Party Sites and Services.

5.1 The Services contain links to other Internet websites or online and mobile services provided by independent third parties (“Third Party Sites”), directly or through frames. Intelligent Investing is not responsible for the availability or content of Third Party Sites and will not be a party to, or in any way responsible for, any transaction concerning goods or services available from such Third-Party Sites. If a Customer purchases products or services from a Third Party Site, its contract for such products or services will be with the third party and not with Intelligent Investing. Intelligent Investing’s Privacy Policy on the Service’s website does not apply to Third-Party Sites.

5.2 Copyright in any software available for download from the Services belongs to Intelligent Investing or its suppliers. The customer’s use of the software is governed by the terms of any license agreement that may accompany or be included with the software. Intelligent Investing is not responsible for any technical or other issues that may arise if the Customer downloads third-party software. The customer should not install or use any software unless it agrees to such a license agreement.

5.3 The Content and Services may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Services complies with international and national law. Intelligent Investing will not be responsible for any error or inaccuracy in advertising or sponsorship material.

6 Subscription Fees, Payment, and Cancellations.

6.1 If you purchase a subscription to one of the Premium Membership Services offered, the Customer must provide Intelligent Investing with complete and accurate payment information through PayPal. An invoice (paid per its credit terms) will be generated at the point of sale through PayPal. If Intelligent Investing does not receive timely payment or payment authorization or any payment authorization is subsequently canceled by the Customer or refused, suspended, or put on hold by any means, it may immediately terminate or suspend access to the Services without issuing refunds. Intelligent Investing does not issue any refund, partial or whole, at any time or for any reason.

6.2 The subscription price is quoted to the Customer by Intelligent Investing’s website, email, or other written correspondence. The subscription price does not include taxes. When required by law, applicable taxes are the responsibility of the Customer. Intelligent Investing subscriptions automatically renew at the end of the subscription period unless expressly unsubscribed. If a Customer renews their subscription, it will renew upon the same terms and conditions as this Agreement. However, any trial is a one-time occasion, and any subsequent re-subscription for the same premium membership service is charged in full via a PayPal invoice.

6.3 The Customer has the sole responsibility for managing any of their subscriptions. Intelligent Investing, LLC is not responsible. The Customer shall have the right to cancel the subscription anytime without giving notice to Intelligent Investing using the unsubscribe button on the following page: https://intelligentinvesting.market/unsubscribe-2/. Any cancellation will not result in a refund. In the event of such cancelation, Intelligent Investing will immediately terminate or suspend access to the Services without issuing any refunds. Cancellation requests must be received in writing (email) at least 48 hours before the automatic renewal of any Premium Services by PayPal, but will not result in a refund. The Customer will then be notified to manage the subscription using the unsubscribe button on the following web page: https://intelligentinvesting.market/unsubscribe-2/. In the event of such termination, Intelligent Investing will immediately terminate or suspend access to the Services without issuing any refunds. If the Customers cannot use this button, the Customer can contact PayPal directly (1 (877) 569-1116 or https://www.paypal.com/us/smarthelp/contact-us/) to manage their subscription, but this will not result in a refund. In the event of such cancelation, Intelligent Investing will immediately terminate or suspend access to the Services without issuing any refunds. If that still doesn’t work, the Customer can inform Intelligent Investing within 24 hours, with proof, who will terminate the service accordingly. In the event of such cancelation, Intelligent Investing will immediately terminate or suspend access to the Services without issuing any refunds

6.4 Intelligent Investing reserves the right to suspend or terminate the subscription or a User Account if the Customer or a User breaches the terms of the Agreement, with or without notice, and without further obligation to the Customer. The customer shall no longer be entitled to use the Services when its subscription is terminated, suspended, or expires.

6.5. If the Customer acquires an entity with an existing agreement with Intelligent Investing (“Acquired Company License”), the fee payable under the Acquired Company License will be added to the Subscription fee payable under this Agreement. If Customer acquires an entity that does not have an existing agreement with Intelligent Investing, Intelligent Investing reserves the right to revise the fee payable under this Agreement before granting access to the Users from the acquired company.

6.6 Customer shall keep (credit card) payment information at PayPal accurate and up-to-date to allow for on-time processing of payments on the due date. Failure to do so by Customer will result in termination of all Services or when it expires five working days after first notice to Customer by Intelligent Investing’s email. However, payments will continue to be accrued indefinitely, and a late-payment fee, processing fee, and administrative fee -totaling $179.99- will be added to the monthly bill after the 2nd failed attempt and invoiced. After the 3rd failed attempt to collect payments, a collection agency may be hired by Intelligent Investing to collect the outstanding payments due from the Customer. The customer will be responsible for all the associated and additional costs.

6.7 Customer shall have a valid and working email address associated with the PayPal account used to sign up for Intelligent Investing’s Premium Membership services.  Failure to have a valid and working email address to which Intelligent Investing sends its updates and all other communications will result in not receiving any of these. However, Premium Membership Services’ charges will continue until canceled because it is the Customer’s responsibility to ensure their associated email address is valid and working.

6.8 Intelligent Investing Reserve the Right to Refuse Service to Anyone. Intelligent Investing reserves the right to charge an additional $250 as exemplary/punitive damages to current and past Customers and/or Users that are deemed, but not limited, to being unruly, inappropriate, offensive, condescending, abusive, and/or threatening towards Intelligent Investing. In the case of existing Customers and/or Users, Intelligent Investing can immediately terminate or suspend access to the Services without issuing refunds. Intelligent Investing does not issue any refund, partial or whole, at any time or for any reason.

6.9 If a customer with an active PayPal automatic payment profile, i.e., a subscription, files a (fraudulent) claim with PayPal, i.e., the case has been decided in Intelligent Investing’s favor, then the customer will be charged an additional $250 in their next billing cycle -if the customer continues to have such a subscription- for rightful compensation of the time and effort Intelligent Investing had to put into responding to customer’s (fraudulent) claim.

7 Trial Periods

Every subscription is offered with a one-time-only trial period. The trial period is considered and treated as any other regular subscription. If a customer cancels a subscription and subscribes to the same service again, the trial period is invalid, and an invoice will be generated and sent to the customer using PayPal for the full (100%) daily/weekly/monthly/quarterly/yearly amount. The invoice must be paid upon receipt in full before access to the subscription is granted.

8 User-Generated Content

8.1 Some Services may include discussion Comments and blogs that allow interaction between users and between users and journalists (we call these “Comments”). We call the information posted to these Comments or blogs by users “User Generated Content” or “UGC”.

8.2 If you wish to view or participate in a Comment, you must comply with any specific rules posted on the Comment. You will retain ownership of the copyright in any of your UGC that you or we publish on the Service, so you are free to re-use it as you wish. You agree that if you post UGC to a Comment, then you are granting Intelligent Investing a right (but not an obligation) unlimited in time to publish, re-use, archive, modify, delete, or commercially exploit that UGC in whole or in part as we see fit, whether on the Services or otherwise, without any requirement to pay you for this and with or without attribution to you. This means that you grant us a worldwide, non-exclusive, perpetual, irrevocable, royalty-free license to use any UGC you publish in whole or in part in any manner and for any purpose whatsoever and without further obligation to you. You also waive any moral rights that you may have regarding the UGC.

8.3 You are responsible for all the content of any UGC you or we publish. You are financially responsible to us for any claim against us by any third party that your UGC is not by Section 7.4 below or that otherwise relates to your UGC.

8.4 You agree that you will:

Only publish UGC that is your original content and will not infringe on the copyright or other rights of any third party when publishing UGC.
not post, link to, or otherwise publish any UGC containing any form of advertising or promotion for goods and services or any spam or other form of unsolicited communication.
not post, link to, or otherwise publish any UGC with recommendations to buy or not buy a particular share or other investment or which contains confidential information of another party or which otherwise has the purpose of affecting the price or value of any share or other investment.
not post, link to, or otherwise publish any UGC that is threatening, abusive, libelous, indecent, or otherwise unlawful.
Do not disguise the origin of any UGC, impersonate any person or entity (including Intelligent Investing employees or Comment guests or hosts), or misrepresent any connection with any person or entity.
not post or otherwise publish any UGC unrelated to the Comment or the Comment’s topic.
not post or transmit any UGC that contains software viruses, files, or code designed to interrupt, destroy, or limit the functionality of the Services or any computer software or equipment.
not collect or store other users’ personal data.
not restrict or inhibit any other user from using the Comments.

8.5 The Comments contain UGC submitted by users over whom Intelligent Investing has no control, so we cannot guarantee the accuracy, integrity, or quality of any UGC. Some users may not behave properly and may post UGC that is misleading, untrue, or offensive.

8.6 It is not possible for Intelligent Investing to fully monitor all UGC published on the Services, but where we have actually received notice of any UGC that is potentially misleading, untrue, offensive, unlawful, infringes third party rights, or is potentially in breach of these terms and conditions, then we will review that UGC, decide whether to remove it from the Services and act accordingly. If you believe that any UGC published on the Services infringes any legal rights that you may have or is not allowed under these terms and conditions, please notify Intelligent Investing immediately with specific details by contacting I.I.

9 Choice of Law and Jurisdiction.

9.1 If the Customer is organized in the United States, this Agreement shall be governed by, and construed per, the laws of the State of California, United States of America, without regard to any conflict or choice of law principles and Customer and Intelligent Investing irrevocably agree that the appropriate federal or state court in California shall (subject to Section 8.3 below) have the exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with this Agreement.

9.2 If the Customer is organized outside of the United States, this Agreement shall be governed by, and construed per, English law and to the extent possible in the applicable jurisdiction, Customer and Intelligent Investing irrevocably agree that the courts of England shall (subject to Section 8.3 below) have the exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with this Agreement.

9.3 For Intelligent Investing’s exclusive benefit and to the extent possible in the applicable jurisdiction, Intelligent Investing shall retain the right to bring or enforce proceedings as to the substance of the matter in the courts of the country of the place of business in which the Customer agreed to this Agreement or (if different) the country of the Customer’s principal place of business.

9.4 No term of this Agreement shall be enforceable by any third party (including any User).

10 General.

10.1 This Agreement does not confer any exclusive rights on the Customer. No provision of this Agreement may be amended, modified, discharged, or terminated other than by the express mutual written agreement of the Customer and Intelligent Investing.

10.2 Customer may not assign, sub-license, or otherwise transfer any of its rights under this Agreement.

10.3 If any provision of this Agreement is found invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect.

10.4 Either party’s failure to exercise any right or remedy under this Agreement does not constitute a waiver of that right or remedy. Headings in these terms and conditions are for convenience only and will have no legal meaning or effect.

10.5 Nothing in this Agreement will be deemed to create a partnership, agency, or joint venture between the parties.

11 Holidays, Vacation, Paid Time Off, Absence 

Intelligent Investing holds the right to be closed for any business, i.e., will not provide any updates or services otherwise, on Federal Holidays -see here– and/or NYSE Holidays -see here. Intelligent Investing is closed from one (1) day before Christmas until one (1) day after New Year. Intelligent Investing will be closed to take paid time off, in addition to the above-described closures, between at least four (4) and up to eight (8) weeks per year. Intelligent Investing has the right to cancel any daily updates and/or other services as it sees fit, as well as due to any unforeseen circumstances, such as but not limited to force majeure, family-related circumstances, travel, and emergencies. Subscriptions will remain in effect during any of the above-described, and Intelligent Investing is not obligated to reimburse subscribers for any of the above-mentioned business closures due to Holidays, Vacations, Paid Time Off, etc.

12 Changes to the Agreement.

This version of the Agreement was published on March 13, 2023.