Terms Of Service

Options involve risk. Prior to buying or selling an option, an investor must receive a copy of Characteristics and Risks of Standardized Options. Investors need a broker to trade options, and must meet suitability requirements. Past results are not necessarily indicative of future performance. All examples are exclusive of commissions, interest and dividends. You should consult your tax consultant and read the Options Disclosure Document (ODD) prior to investing in options. You can obtain a copy of the ODD from the Options Clearing Corporation (1888-options). This website and its contents are directed to US residents and citizens. They are not directed at residents or citizens of any other country.

Non-US Citizens:

This website and its contents are directed to US residents and citizens. They are not directed at residents or citizens of any other country. As such, the contents of this Website have not been issued or approved by either the regulatory authorities of or any person authorized to undertake regulated activities anywhere outside the United States. Notwithstanding the above, any views expressed in this website are not to be taken as advice or a recommendation to buy or sell any investment and users must make their own decisions based on their own investigations and consultation with their financial adviser or other professional expert.

Terms Of Service:

Financhill may also be referred to as the following ("FC" or "WE" or "US", "STAFF", "OUR"). The customer will be referred to as ("YOU", "YOUR", "MEMBER", "CLIENT"). You agree to be bound by the terms and conditions of service for Financhill. You further agree to comply with all U.S. Laws relating to any transmission of any data obtained from FC in agreement with the terms and not to use any material for illegal purposes and not to interfere or disrupt our site or services. You are not to share, disseminate or copy any material obtained from FC or FC related material. This material is only for the registered user on the account. You must be 18 years or older to access our site.

Disclaimer of Liability:

FC´s educational service and any other information disseminated from FC (via email, phone, fax etc) is for informational purposes only and not for trading purposes. FC´s information is an opinion of the staff of FC and none of our information contained therein constitutes a recommendation by FC or any of its contributors/employees to buy or sell a particular security, how to manage any portfolio and does not give personalized, directed advice. FC´s service may not be suitable for every investor. You must contact a licensed broker for advice. Nothing from FC can be deemed as specific advice or a recommendation to buy or sell. Past results are no guarantee of future results.

FC does try to do it´s best to make sure all information on it´s site and other material is correct and accurate to its knowledge at the time but we cannot be held liable for any amount or reason that it would not be correct. FC will make every effort to deliver information in a timely manner. We cannot, however, guarantee anything by a certain date and time. Due to technical, internet, electrical, emails rejected, mother nature and any other unforeseen events, FC cannot be held responsible whatsoever for YOU receiving your emails/information on time. FC will not be liable for any loss or damages related to either directly or indirectly for the above said including but not limited to special or consequential damages that result from the use of, or the ability to use the materials in this website.

Stock and options trading can have high risks and rewards. Only YOU will know your risk tolerance level. This service is for informational purposes only. You may find the following sites to be of help for researching Option and Stock trading, risks, rights and any other potential material also but not limited to the following sites: The Options/Clearing Corporation: www.theocc.com, The Chicago Board of Options Exchange: www.cboe.com, The National Association of Securities Dealers: www.nasd.com and The Securities and Exchange Commission: www.sec.gov. Options involve risk and not suitable for all investors. Prior to buying or selling an option, a person must receive a copy of Characteristics and Risks of Standardized Options.

Intellectual Property:

FC owns all text and graphics on its website. You may print out any material you find on the site but it is for YOUR personal use only. You may not reproduce, edit, substantially copy or distribute any material from the FC website to your own server and/or links to our website without the written consent of FC. If written consent is desired, please contact FC for further details. If a person or member sends or communicates FC an idea, thought, trade or anything of that nature it becomes property of FC. Nothing is expected to be returned to the person or member for the material. No compensation is to be expected. No royalties will be paid.

Submissions:

All submissions from outside contributors on FC´s website or FC material is the responsibility of the respective author(s), creator(s) and/or owners). FC is not responsible for their accuracy, nor responsible for their opinions and are not necessarily the same opinions of FC. FC does not guarantee or warranty outside information posted on its site or on any material. If an outside contribution or other material is posted on our site, it/they does/do not constitute an endorsement, agreement, sponsorship or affiliation with FC. Submissions may be protected by federal, state, international copyright and/or other laws. You may not reproduce, modify, edit or distribute this material.

Member Service/Cancellation Policy:

You are responsible for keeping the information in your account accurate, up to date and truthful. If the information is not accurate, up to date and /or truthful, your subscription can be terminated at any time without warning. FC reserves the right to cancel anyone´s subscription at any time for any reason. The user will not receive a refund for any unused services.

If you believe your User Id and Password have been compromised you must immediately log into your account and change your password. If you cannot log into your account send an email to: care [at] financhill [dot] com and FC will provide you with a new User Id and Password. Have your security question ready. You are solely responsible for the security of your account. You may not give your account information to anyone. If we have reason to believe your account is being misused, we may cancel your account. All discrepancies must be filed with FC via email within 60 days of the occurrence/incorrect billing.

You will be an active member until your membership expires. Once your membership expires, you will no longer have access to any educational content restricted for members. All membership access to the FC website is terminated once your membership expires.

Subscription Cancellations:

Cancellations are accepted until the time that your card has been processed. After the charge has been processed, we will upon written request suspend future billing on your account however you will continue to have access to the membership portion of the website for the billing cycle for which you have been charged. No further billings or charges will occur on your account however we are unable to issue refunds once a charge has been processed.

Pricing:

FC reserves the right to change pricing at any time without notice. Where subscription services exist, pricing changes will affect the next billing cycle. If you have a monthly membership service, the new amount will be charged to the next month. If you have a yearly membership, the new pricing will go into effect when your yearly membership expires.

Term Length for Multi-Pay Purchases:

Purchasers of any product who elect to pay multiple installments as opposed to a single pay purchase receive the same product for the same term length as purchasers who elect a single pay method, and, after first payment, are obliged to pay subsequent installments for the full term of service. Electing to choose a two-pay or three-pay installment plan to purchase a product in no way implies or infers that the purchaser is eligible to renege on future payments and in no way stipulates, infers or implies that a shorter time period was purchased. The purchaser is obligated to continue to make payments after the first payment until all payments have been completed.

Recurring Billing:

All charges applied are made on a recurring basis until canceled by the purchaser and unless otherwise stated by the Company. Payments made for annual services are re-billed on an annual basis. Payments made for monthly services are re-billed on a monthly basis For example, annual charges applied on Jan 31, 2012 will be re-billed on January 31, 2013. Written notification must be provided prior to billing date in order for refunds to be issued. The Company is not required to issue a reminder to the purchaser that an account is due to be re-billed on a given date. It is entirely the responsibility of the purchaser to cancel prior any re-bill charge. Under extenuating circumstances, and only upon special consideration from executive management, a refund may be permitted after a re-bill charge has been made minus a 25% penalty fee on the original transaction price.

Special Circumstances & Penalty Fees:

In very rare circumstances and upon special petition with unique consideration, the Company will consider a refund that falls outside the stated Guarantee terms. In the event that a Customer is granted an early refund, a penalty fee of $500 will be assigned which will be deducted from the purchase price. Guarantees do not extend to purchasers who have refunded once and wish to purchase again. Guarantees only apply to first time purchasers. No refunds will be issued to customers who have previously refunded and re-join.

Timing of Materials Submission (Refunds):

All refund petitions must be made within the Guarantee period stated. In the event that documentary evidence is required, regardless of type or circumstance, it must be submitted no later than 7 days after the refund request has been made. Any documentary materials provided thereafter will not be reviewed and no refunds will be issued. For clarity, the absolute last day to request a refund is the last day of the Guarantee period and documentary evidence associated with the refund petition must be submitted within 7 calendar days. Any documentary evidence or materials submitted thereafter will not be reviewed and no petitions for a refund will be granted thereafter under any circumstances.

Foreign Exchange Settlements:

Financhill, its affiliates, companies, employees, contractors and partners are not liable for any fluctuations in currency exchange between the US Dollar and any other currency from the time of purchase should any exist. If a refund is granted for a particular product, it will be issued in US Dollars and no liability will be assumed by the Company for any fluctuations, favorable or unfavorable, to the purchaser. The purchasers assumes all liability for foreign exchange fluctuations from the time of purchase to refund, should any be issued.

Performance Results:

FC may discuss potential reward percentages on strategies detailed. All performance results are considered theoretical and are presented for educational and informational purposes only.

Code of Conduct:

You agree to be respectful member of our team and community, avoid causing harm/hacking into the site or FC´s members, sharing user id/passwords, defacing, defamation or any unlawful act against FC. If a complaint arises with FC, we will do everything possible to rectify the situation immediately.

Please email care [at] financhill [dot] com for any needed assistance.

Right of Refusal:

We reserve the right to refuse entry to our community before or after purchase of any product. If a product has been purchased and entry is refused a refund will be credited to the purchaser's account. Rights of refusal may be issued for any reason at the discretion of our staff. A customer who has previously been granted a refund or issued a chargeback may be denied for any reason or no reason access to any product related or unrelated to the product(s) purchased previously. Purchasers of any product explicitly agree that no right to access any product(s) is permitted if we deny access or entry to the product for any reason or no reason whatsoever.

Void Guarantee:

Any communication that is abusive, harmful, threatening, and/or defamatory voids your Guarantee for any and all products you purchase. By engaging in such communication, whether verbal or written, you waive your right to a refund and may with or without notification have your membership and all associated privileges, including website access, community forums, and product(s) access terminated. You accept unequivocally and without right to arbitration or legal recourse that communication which in any way threatens the viability of the company as a going concern, the livelihoods of our employees, staff, owners, and/or contractors in addition to the reputation offline and online of our company is grounds for immediate dismissal from the community and will void any eligibility for refunds at all times now and as part of any future purchase transactions.

Blog:

We cannot give specific trading advice. Our Blog is for educational purposes only and is not advice to Buy or Sell. We provide commentary based upon what we believe and do not guarantee its accuracy. FC, its employees and/or others may have position(s) in the stock(s) and/or option(s) we are referring to inside the Blog. Stock and/or Option positions may have been placed by FC, its employees and/or others before the Blog article was written and/or after the Blog article was written/posted upon the FC site. Please keep all commentary inside the Blog respectful to all users.

Contests:

Sweepstakes, contests, games and giveaways (referred to as Contests) are accessible through the FC site and are governed by specific rules set forth by FC and Federal/State Laws. The contests are prohibited where in violation of law. All judging and decisions will be made by FC and all decisions by FC are final. By entering the Contests you allow us to share your email address and name with our sponsors for the contest and site.

Links:

This website occasionally contains links to other web pages, however, the inclusion of such links does not constitute referrals or endorsements of the linked entities. Links to organizations and governmental agencies are provided as a convenience to our viewers. FC does not endorse and is not responsible for any third-party content that may be accessed from its website and does not recommend or endorse the use of any third-party's services. The links are to be accessed at the user's own risk, and FC makes no representations or warranties about the content of these links.

Errors:

FC will do it´s best to make sure your membership and any other information is readily available, accurate and accessible at all times. We cannot guarantee its completeness and/or correctness. If you believe an error or disruption in service has occurred please email: care [at] financhill [dot] com

Liability:

FC assumes no responsibility for computer viruses resulting from use of our website. Under no circumstances, including, but not limited to, negligence, shall FC be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this website, even if FC has been advised of the possibility of such damages.

FC makes no warranties as to content; no responsibilities to update: FC makes no warranty, express or implied, concerning this service or use of this website. The services provided by FC are on an "AS IS" basis at your sole risk. FC expressly disclaims any implied warranty of merchantability or fitness for a particular purpose, including any warranty for the use or the results of the use of the services with respect to their correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability.

Indemnification:

You agree to indemnify, defend and hold harmless FC and its members, managers, officers, employees, agents and the assigns of same, from and against any and all loss, costs, expenses (including reasonable attorneys' fees and expenses), claims, damages and liabilities related to or associated with your use of FC´s website and any violation of these Terms and Conditions by you.

Jurisdiction:

By accessing this website, you agree with FC that any disputes or matters arising out of or related to your viewing or use of this Web site shall be governed under the laws of the State of California without regard to the conflict of laws.

Privacy/Personal Information:

This policy covers how Financhill treats personal information that Financhill collects and receives, including information related to your past use of Financhill products and services, your use of www.Financhill.com, or any Financhill web sites. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.

Clients:

Financhill services and products are developed for the use of, and distributed to, third party clients. Financhill encourages its clients to adopt privacy policies similar to, or more stringent than, its own. Financhill sells its services and products only to reputable and ethical clients. Financhill cannot be held responsible if a client chooses unethical or immoral use of the information that the Financhill products gather.

This policy does not apply to the practices of companies that Financhill does not own or control, or to people that Financhill does not employ or manage.

Information Collection and Use:

When you register for a Financhill event, we ask that you provide basic contact information such as your name, address, and email address. In addition, other questions specifically for an event might be asked and recorded so as to better equip the event hosts for customizing their event.

Upon successful registration, you automatically opt in for Financhill service communications, as specified on the Web form. Financhill collects personal information when you register with Financhill, when you use Financhill products or services, when you visit Financhill pages or the pages of certain Financhill partners, and when you enter promotions or sweepstakes. Financhill may combine information about you that we have with information we obtain from business partners or other companies.

From time to time, Financhill may send (or provide name and email address to its business partners in order to allow them to send) emails or other correspondence from business partners who provide complimentary products or services that we believe may be of interest to you. All emails, whether sent directly from Financhill or from our business partners, provide accurate subject and return address information, a working opt-out link, and otherwise comply with all aspects of the Can Spam Act.

Financhill automatically receives and records information on our server logs from your browser, including your IP address, Financhill cookie information, and the page you request.

Financhill uses information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.

Computer configuration: We automatically receive and log information from your browser, including your IP address, your computer's name, your operating system, browser type and version, CPU speed, and connection speed.

Referral, clickstream, and site interaction data: We may also record the URL you linked from to get to Financhill.com, your clickstream through and from our Web site, and other generally accepted tracking information.

Email delivery and open rates: To help us make our emails more useful and interesting, and to ensure that we are delivering the services you have ordered, we often receive a confirmation when you receive and/or open email from Financhill.com

Information from Other Sources:

We may receive information about you from other sources, add it to our account information and treat it in accordance with this policy.

Customer and order data from our partners: If you registered directly with a business partner for which we provide fulfillment or other services, your account information and order information is passed to us.

Updated delivery and address information: We may obtain updated contact information from third parties in order to correct our records and fulfill your orders or deliver communications to you.

Demographic and purchase information: We may reference other sources of demographic and purchase information in order to provide you with more targeted communications and promotions.

Information Sharing and Disclosure:

We take your privacy seriously and value you as a customer. When we believe you may benefit from partner offers we may share, rent or sell your personal information about you with other people or nonaffiliated companies. A trusted third party may use shared information in accordance with its own privacy policy; We transfer information about you if Financhill is acquired by or merged with another company.

Financhill displays targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click on targeted ads meet the targeting criteria - for example, men aged 35-50 from a particular geographic area. Financhill does not provide any personal information to the advertiser when you interact with or view a targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad. Financhill sends email communications to our users in connection with our providing Financhill services. The following outlines the types of email Financhill sends to our users, and the choices you have about which messages to receive.

Messages required to service event registrations: Financhill will send you email notifying you of your event details. We may also send you communications related to your upcoming event, for example reminding you of the details, or when those details change.

Messages required to service your Financhill account: Financhill may send newly registered users a welcoming email, as well as messages confirming each event you register for at our registration websites; confirming your account changes; inviting you to participate in customer surveys; and informing you of important product or service updates related to our core business.

Marketing messages about Financhill: We may send you marketing messages related to our services you receive, for example, encouraging you to register for more Webinars or extend your Web event presence.

Optional marketing messages from Financhill: Registered users may also occasionally receive information or special promotions from Financhill about additional services. You may update your preference with regard to receiving such messages by opting out in the footer of each email.

Optional marketing messages from trusted third parties: Financhill may share your Personal Information with trusted third parties so that you may receive information or opportunities from them about relevant products and services they offer. You may update your preference by opting out in the footer of each email.

Cookies:

Cookies are alphanumeric identifiers that a Web site can store on your computer's hard drive. When you visit Financhill.com, create a user account, or otherwise interact with a Financhill event online, we may set cookies on your personal computer. We require that cookies be enabled in your Web browser so that we can identify you as a repeat visitor or customer and maintain session information for logged-in users. We also use cookies to track usage trends and patterns in order to better understand and improve areas of our Web site. Financhill may allow other companies that are providing content on our site to set and access their own cookies on your computer. Other companies' use of cookies is subject to their respective privacy policies.

Your Ability to Edit and Delete Your Account Information and Preferences:

We reserve the right to send you certain communications relating to the Financhill service, such as service announcements, and administrative messages, that are considered part of your Financhill account, without offering you the opportunity to opt-out of receiving them.

Confidentiality and Security:

We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs. We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.

'No Spyware' Policy:

Financhill does not contain Spyware. Spyware is software that is installed deceptively to gather information about you without your knowledge. This can include centrally recording your personal internet usage, monitoring your keyboard strokes or capturing personal information.

Product Transfers

If for any reason a product is discontinued through acts of God or otherwise, management reserves the right to transfer a customer to another product(s) of equivalent or higher value. Under no circumstances in such cases is a customer eligible for a refund.

Changes to this Privacy Policy:

Financhill may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your Financhill account or by placing a prominent notice on our site.

Questions and Suggestions:

If you have questions or suggestions, please use the following contact information: care [at] financhill [dot] com

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