Last updated: April 13, 2023
Terms & Conditions
The following terms and conditions are a legally binding agreement which govern your use of our website and purchase of products on our website. Please review the entire agreement carefully. When you submit any information on our website you are certifying that you are 13 years or older who can form legally binding agreements. Any access or use of our Website by anyone under the age of 13 is strictly prohibited. You further certify that you have read and agree to all terms and conditions contained in this Agreement.
GDPR COMPLIANCE
Unfortunately, we are not in a position to accept clients under the GDPR regulations at this time. For this reason, we do not accept referrals from European Union Member Citizens. We are continuing our efforts to ensure we will be able to comply with these important data restrictions in the near future. We have expunged all European Union Member Citizens data to the extent we have been made aware of the same. If you are a European Union Member Citizen, please notify us at [email protected] and we will remove and destroy your Personal Information as well. We apologize for the inconvenience.
GENERAL TERMS AND CONDITIONS
Thank you for visiting investingpioneers.com (“Company” “Our” “We” or “Us”) website (“Website”). By accessing this Website you agree to the following Website Terms and Conditions (“Terms and Conditions”). The posted Privacy Policy (“Privacy Policy”) and any and all other posted operating rules, policies, price schedules and other supplemental terms and conditions or documents that may be published from time to time, are expressly incorporated herein by reference (collectively, the “Agreement”). Please review the Agreement carefully. If you do not agree to all terms and conditions contained within the Agreement in its entirety, you are not authorized to access or use the Website or purchase products or services from the website in any manner or form whatsoever.
The information presented on the Website is provided for informational purposes only and is in no way intended as a substitute for professional FINANCIAL, LEGAL OR medical advice, diagnosis or treatment. ALWAYS CONSULT WITH AN APPROPRIATE PROFESSIONAL bEFORE TAKING ANY ACTION FROM ANY ARTICLE OR OTHER INFORMATION ON OUR WEBSITE.
Limited License. You are granted a limited personal, non-exclusive and non-transferable right and license to access our Website and the information provided in our downloadable documents. Unless otherwise specified in writing, our services and downloadable documents are for your personal and non-commercial use. Our downloadable documents are protected by copyright and trademark laws which we will enforce.
Disclaimer of Warranties. OUR WEBSITE IS FOR INFORMATIONAL PURPOSES ONLY. ANY PRODUCTS AND/OR SERVICES OFFERED ON OR THROUGH OUR WEBSITE ARE PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS AND ALL WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, WE MAKE NO WARRANTY THAT THE WEBSITE, THE PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED ON OR THROUGH THE WEBSITE: (A) WILL MEET YOUR REQUIREMENTS; (B) WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE OR THAT DEFECTS WILL BE CORRECTED; (C) WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; (D) WILL HAVE SECURITY METHODS EMPLOYED THAT WILL BE SUFFICIENT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF THE WEBSITE, OR AGAINST INFRINGEMENT; (E) WILL RESULT IN ANY SPECIFIC HEALTH-RELATED OUTCOME, FINANCIAL OR LEGAL OUTCOME; AND/OR (F) WILL BE ACCURATE OR RELIABLE. THE WEBSITE, THE PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED ON OR THROUGH THE WEBSITE MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. WE ARE NOT LIABLE FOR THE AVAILABILITY OF THE UNDERLYING INTERNET CONNECTION ASSOCIATED WITH THE WEBSITE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR OTHERWISE THROUGH OR FROM THE WEBSITE, SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.
Limitation of Liability. YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR EXEMPLARY DAMAGES INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, TO THE FULLEST EXTENT PERMISSIBLE BY LAW FOR: (A) THE USE OR THE INABILITY TO USE THE WEBSITE, THE PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED ON THE WEBSITE; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, CONTENT AND/OR ANY OTHER PRODUCTS PURCHASED OR OBTAINED FROM OR THROUGH THE SITE; (C) THE FAILURE TO REALIZE ANY SPECIFIC RESULT FROM USE OF THE PRODUCT OR HEALTH-RELATED OUTCOME; AND (D) ANY OTHER MATTER RELATING TO THE WEBSITE, THE PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED ON THE WEBSITE. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION, IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATION AND ANY AND ALL OTHER TORTS. YOU HEREBY RELEASE US FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THE LIMITATIONS STATED HEREIN. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATION, THE MAXIMUM LIABILITY OF US TO YOU UNDER ANY AND ALL CIRCUMSTANCES WILL BE THE AMOUNT YOU PAID FOR THE PRODUCTS ORDERED AND PAID FOR ON THE WEBSITE. NO ACTION, REGARDLESS OF FORM, ARISING OUT OF YOUR USE OF THE WEBSITE, THE PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES OFFERED ON THE WEBSITE MAY BE BROUGHT BY YOU MORE THAN ONE (1) YEAR FOLLOWING THE EVENT WHICH GAVE RISE TO THE CAUSE OF ACTION. THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND US. ACCESS TO THE WEBSITE AND/OR THE PRODUCTS WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS ON LIABILITY AND IN SUCH JURISDICTIONS WE LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
3.1 Product and Service Information Disclaimer. The product and service information provided on or through our Website is intended only for residents in the United States. Our Website and its links may, however, contain information about products and services that may or may not be available in any particular country, territory or region of the world (including the United States), may be available under different trademarks in different countries. The products and services and information therein advertised on our website have not been approved or cleared by a government regulatory body. We do not recommend or endorse the same. You should not construe anything on Our Website as a promotion or solicitation for any product or service or for the use of any product or service that is not authorized by the laws and regulations of the country where you are located, including the United States.
Copyright and Trademarks. Our Website contains information, data, software, photographs, graphics, videos, text, images, typefaces, sounds and other material (collectively “Content”) that are protected by copyrights, trademarks or other proprietary rights, and these rights are valid and protected in all forms, media and technologies existing now or developed in the future. All Content is copyrighted as a collective work under the United States copyright laws, and We owns a copyright in the selection, coordination, arrangement and enhancement of such Content. All rights to such Content are reserved to their respective copyright owners. Except as permitted by the fair use privilege under United States copyright laws, you may not upload, post, reproduce or distribute in any way the Content protected by copyright, or other proprietary right, without obtaining permission of the owner of the copyright or other proprietary right. Any other use of the Content available on our Website, including reproduction for purposes other than as noted above, modification, distribution, replication, commercial or other use, without our prior written permission, is strictly prohibited.
4.1 DMCA Notice. The Digital Millennium Copyright Act of 1998 (the “DMCA”) protects copyright owners who believe that material which appears on the Internet infringes upon their rights under the U.S. copyright law. IF you believe that we have published information of yours which is protected copyrighted material, please send us a notification requesting to remove the material or block access to it. We will delete all content if correctly notified that such content encroaches or violates another’s intellectual property rights. All notifications should comply with the requirements of DMCA. If you believe that a notice of copyright infringement has been wrongly filed against you, the DMCA gives you permission to send a counter-notice to us. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. Notice should be sent via email to [email protected].
4.2 Scope of Use of Copyright and Trademarks. We maintain the Website for your personal information, education, and communication. You may download material displayed on the Website for non-commercial, personal use only, provided you maintain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of our Website for public or commercial purposes, including the text and images, without our written permission. We make no representation that the information contained on the Website or our Products is appropriate or available for use in locations outside of the United States, and access to our Website from territories where the content of the Site may be illegal or inappropriate is prohibited. Those who choose to access our Website from other locations do soon their own initiative and are responsible for compliance with applicable local laws.
4.3 Your content. In the event you are permitted to post content (written, photography, video) or comments on our Website you agree that we do not review such content prior to posting and are not responsible for the accuracy, usefulness, safety, or intellectual property rights of or related to such content. You agree that any such content will not be inaccurate, offensive, indecent, or objectionable; and you agree to waive any legal or equitable claims, rights, or remedies you may have against us arising out of or related to other users content. You further agree that your content will be available to the public. If you register for any service through a third party social media account such as Facebook or Google, your profile may link to your public profile at that account. You are solely responsible for your content and the consequences of posting the same. You warrant that you have appropriate permission, license or rights to publisher third party content on our Website. By posting your content, you grant us a perpetual, nonexclusive, royalty-free, transferable, sublicenseable, irrevocable, worldwide right and license to reproduce, prepare derivative works including all right and license to use your name, likeness, photograph, image, voice, and statements in connection with your content and any derivative works thereof, including to promote or advertise our Website and the services or the products as well as the services of affiliates, advertisers and other third parties. To the extent permitted by law, you hereby waive any moral rights you may have in or to your content. Finally, you agree that you are not entitled to any compensation if your content, including without limitation, your name, likeness, photograph or image is adjacent to or included with advertisements, promotions, coupons, offers or other information, or otherwise used to promote our website or the products and services on the Website or any other company or product that is mentioned or discussed in your content. We reserve the right not to use or to remove your content without notice and for any reason.
Indemnification. You agree to indemnify and hold Us, Our parent and subsidiaries, and each of their respective members, officers, directors, employees, agents, co-branders, content licensors and/or other partners, harmless from and against any and all claims, expenses (including reasonable attorneys’ fees), damages, suits, costs, demands and/or judgments whatsoever, made by any third party due to or arising out of: (a) your use of Our Website, services or products; (b) your breach of the Agreement; anEffective Date: August 1, 2021
PRIVACY STATEMENT FOR CALIFORNIA CONSUMERS
This PRIVACY NOTICE IS FOR CALIFORNIA RESIDENTS ONLY and supplements the information contained in the posted Privacy Policy of investingpioneers.com (“we,” “us,” or “our”) and applies solely to California Residents (“Consumers” or “you”) who visit, use, and interact with our services, products and Website. We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice. The Purpose of this Notice is to provide you with a comprehensive description of our practices regarding the collection, use, disclosure and Sale of your Personal Information. It further provides you with information as to how to contact us to review, correct or delete your information.
California Resident Privacy Rights.
(1) Right to Know About Personal Information Collected, Disclosed, or Sold.
a. You have the right to request that we advise you what Personal Information we collect, use, disclose, and sell that belongs to you. Personal Information does not include: (i) Publicly available information from government records; (ii) De-identified or aggregated consumer information; (iii) Information excluded from the CCPA’s scope, like health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”); (iv) Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”), California Financial Information Privacy Act (“FIPA”), or the Driver’s Privacy Protection Act of 1994 (“DPPA”).
b. You may submit a verifiable consumer request to obtain the specific Personal Information we have collected about you either through our California Resident Portal form or you may email us at [email protected].
c. Upon receiving your information, we are required to verify that you are the same consumer with whom we have the information in our systems. To verify your identify, we will require that you fill out the portal form in its entirety which includes your name, address, email address and may include the last four digits of your social security number, your bank account number and other Personal Information we have collected.
d. As set forth in our primary Privacy Policy, we collect several types of information about you when you visit and use our Website; examples include Personal Information, demographic information, behavioral information, and indirect information. Sometimes we collect combinations of these types of information.
e. Personal Information has been collected from the following categories of sources:
i. Information collected directly and indirectly from your activity on our website and your interactions or communications with us. This includes your Personal Information provided by you in connection with obtaining a certain product or service offered by us or one our network providers or advertisers.
ii. Information you provide us when you enter promotions or sweepstakes offered by us or our clients including networks and advertisers.
iii. Information you provide us through telephone and web-based surveys, customer service correspondence, and general feedback.
iv. Information we received directly or indirectly from our clients or their agents in the course of providing services to you and others.
v. Analytic companies who provide demographic information such as gender, zip code, or any information that is not tied to your Personal Information. In addition, we may receive information about you from other online or offline sources, including third-parties from whom we validate consumer self-reported information, and verify information we already have about you. This helps us to update, expand and analyze our records and provide products and services that may be of interest to you.
vi. We also collect information provided by Service Providers and other third-parties as set out in our main Privacy Policy.
- We have disclosed, shared and/or received compensation for our disclosure of Personal Information for the following commercial/business purposes in the preceding 12 months:
- To obtain the services or products you have registered for on our Website.
- To allow a third-party to market their products or services to you.
- To provide you with information, products or services that you request from us or resolve consumer concerns or request to opt-out of marketing.
- To provide you with notices concerning our products or services, or events or news, that may be of interest to you.
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
- To improve our website, products and services, and present its contents to you including testing, research, analysis and product development.
- To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).
- To maintain the safety, security, and integrity of our Website, platforms as well as products and services, databases and other technology assets, and business.
- To respond to government or law enforcement requests and as required by applicable law, court order, or governmental regulations.
- To evaluate or conduct a merger, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our business or assets.
- As described to you when collecting your Personal Information or as otherwise set forth in the CCPA.
- We have disclosed Personal Information to our Service Providers and the following categories of third-parties:
- Our affiliated entities.
- Data aggregators.
- Advertisers.
- Ad Networks.
- Third-parties to whom you or your agents authorize us to disclose your Personal Information in connection with products or services we and/or third-parties provide to you.
h. We do not collect, distribute, share or sell the Personal Information of anyone under the age of 16.
(2) Right to Request Deletion of Personal Information.
- You have a right to request the deletion of your Personal Information if we have collected or maintained it in the past 12 months.
- You may submit a verifiable consumer request to delete your information using our California Consumer Portal and fully fill out the request form or contact us by email at [email protected].
- Once we receive and confirm your verifiable consumer request, we will disclose to you the following:
- The categories of Personal Information we collected about you.
- The categories of sources for the Personal Information we collected about you.
iii. Our business or commercial purpose for collecting or selling that Personal Information.
iv. The categories of third-parties with whom we shared that Personal Information.
(3) Right to Opt-Out of the Sale of Personal Information.
You have the right to opt-out of any sale of your Personal Information by us. If you are requesting a product or service, this is an exemption from this right, and we will process your request. However, you have the right to cease all further sale of your Personal Information.
- Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights.
You have a right not to receive discriminatory treatment by us for the exercise of these privacy rights conferred by the CCPA. As such, we will not deny you goods or services, charge you different prices or rates for goods or services, or deny you discounts or other benefits; nor will we provide you a different level or quality of goods or services or recommend a different level or quality of goods or services.
- Authorized Agent.
Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Information.
- Contact Us.
Contact us for more information or with any questions either through our California Consumer Portal or by email at [email protected].
(7) Limitations on Requests.
You may only make a verifiable consumer request for access twice within a twelve (12) month period. The verifiable consumer request must: (a) Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or your authorized agent; (b) Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to you; (c) We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you; (d) Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
(8) Response Time and Response Format.
We make every effort to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the twelve (12) month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons why we cannot comply with a request, if applicable. We will provide our response in a manner that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance to you.
(9) Changes to California Resident Privacy Notice.
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will enforce the terms of the new policy going forward. You will receive no other notice than an updated posting on this page. Please check back each time you use or visit our Website.
(10) Contact Information.
If you have any questions or comments about this Privacy Statement, please do not hesitate to contact us at:
Email: [email protected]
Postal Address: 74 E Glenwood Ave Unit #5280 Smyrna, DE 19977
d/or (c) your violation of any rights of another individual and/or entity.
Third Party Websites. Our Website may contain links to other websites on the Internet that are owned and operated by third parties. We do not control the information, products or services available on these third party websites. The inclusion of any link does not imply endorsement by Us of the applicable website or any association with the website’s operators. Because We have no control over such websites and resources, you agree that We are not responsible or liable for the availability or the operation of such websites, for any material located on or available from any such websites or for the protection of your data privacy by third parties. Any dealings with, or participation in promotions offered by, advertisers on Our Website, including the payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the applicable advertiser or other third party. You further agree that We shall not be responsible or liable, directly or indirectly, for any loss or damage caused by the use of or reliance on any such material available on or through any such site or any such dealings or promotions.
DISPUTES
The Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without resort to its conflict of law principles. You agree that any action at law or in equity arising out of or relating to this Agreement shall be filed and adjudicated only in the federal or state courts located in or serving Delaware, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction and venue of such courts over any suit, action, or proceedings arising out of this Agreement.
JURY TRIAL WAIVER. YOU AND WE EACH AGREE TO WAIVE ANY RIGHT TO A JURY TRIAL FOR ANY ACTION AT LAW OR IN EQUITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES.
CLASS ACTION WAIVER. YOU AND WE EACH AGREE THAT ANY ACTION AT LAW OR IN EQUITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES MAY ONLY BE IN OUR RESPECTIVE INDIVIDUAL CAPACITIES, AND NOT AS PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Any claim or cause of action you may have arising out of or relating to these Terms or the Services must be commenced within one (1) year after the cause of action accrues, otherwise, such cause of action or claim is permanently barred.
The parties specifically exclude from application to these Terms the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act. If you reside outside the United States, nothing in these Terms shall, to the extent required by applicable law that cannot be excluded by agreement, affect any rights you may have under existing consumer protection laws, unfair competition laws or other applicable laws of the country in which you reside, including any right you have to bring a claim in the courts of your home country.
BINDING ARBITRATION. Should a dispute arise concerning the terms and conditions of the Agreement or the breach of same by any party hereto, the parties agree to submit their dispute for resolution by arbitration before the American Arbitration Association in Delaware in accordance with the then current Commercial Arbitration Rules of the American Arbitration Association. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Nothing herein shall be construed to preclude any party from seeking injunctive relief in order to protect its rights pending an outcome in arbitration.
General Provisions. Should any part of the Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. The Agreement is personal between you and Us and governs your use of Our Website. Our failure to enforce any provision of the Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. The parties do not intend that any agency or partnership relationship be created through operation of the Agreement.
CONTACT US
If you have any questions regarding these Terms & Conditions, please contact us at:
InvestingPioneers.com
Attention: General Manager
74 E Glenwood Ave Unit #5280
Smyrna, DE 19977
Email: [email protected]
