FactBasedInvesting.com Terms and Conditions (privacy policy below)
Last Updated May 12th, 2015

These Terms and Conditions (these 'Terms and Conditions') set forth the rules that apply to your access and use of this site. Your access and use of this site means that you agree these Terms and Conditions and this site's privacy policy below, as well as applicable laws, rules and regulations. If you do not agree with these Terms and Conditions or this site's Privacy Policy, please do not access or use this site.

This site is operated by Gruneisen Growth Corp., a Florida corporation.

Should you have any questions or concerns about this site or memberships, online features, services or policies, please contact us directly:

Your access and use of this site

Access and use of this site is available only for lawful purposes and in accordance with these Terms and Conditions and Privacy Policy. There may be times when your access and use of this site is interrupted for any number of reasons beyond any control, like equipment malfunction, updating and backup requirements, and system maintenance and repair. We reserve the right to suspend or discontinue the availability of this site at any time in its sole discretion. Such right includes, without limitation, the right to refuse to publish any transmissions, submissions or postings.

Any action by you that, in in this iste's sole discretion, (i) violates any applicable law, rule or regulation and/or these Terms and Conditions and/or our Privacy Policy, (ii) restricts, inhibits or prevents access and use of this site, or (iii) through the access or use of this site, defames, abuses, harasses, offends or threatens, is not permitted, and may result in the loss of your right to access and use this site. It is not permitted to for any information appearing on this site to be mined, meta tagged, linked to or framed without the prior written permission of this sites principal stakeholder, and may withhold such permission in its sole discretion.

Protection of this site and it's contributors intellectual property rights

The proprietary marks and text appearing on this site belong or are otherwise licensed to site, and may not be used by you without the prior written permission of the respective rights holders.We makes no proprietary claim to any third-party content, names, trademarks or service marks appearing on this site. Any third-party content, names, trademarks and service marks are property of their respective owners.

The proprietary information, financial market and investment information, data, software and content viewable on, contained in, or downloadable from this site (collectively, the 'Content'), including, without limitation, all text, graphics, charts, pictures, photographs, images and line art, are copyrighted by, or otherwise licensed to this site. This site also owns a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content.

Your viewing, reading, printing, downloading or otherwise using the Content, even with the prior written permission of this sites stakeholders, does not entitle you to any ownership or intellectual property rights in or to the Content. You are solely responsible for any damage resulting from your infringement of this site's or any third party's rights in or to the Content, and/or use of the Content that is contrary to these Terms and Conditions.

No representations or warranties regarding the Content

This site provides the Content on an 'as-is' basis, and the Content is intended only to assist you in making financial decisions. The Content is intended for informational purposes only, and should not be used or construed as an offer to buy, sell or hold, or endorsement, recommendation or sponsorship of, any company or security. ]

You acknowledge and agree that any request for information from this site is unsolicited and shall neither constitute nor be construed as investment advice. this site does not provide or guarantee any legal, tax or accounting advice or advice regarding the suitability, profitability or potential value of any security, investment or information source.

Investing in securities involves certain risks. Before making any investment decisions or implementing any investment strategy, It is strongly recommended that you speak to your qualified financial and investment advisors. Ultimately, it is your sole responsibility to independently evaluate the Content and any use of, or reliance upon, the Content by you is solely at your own risk.

This site does not make any representations or warranties, express or implied (i) regarding the accuracy, correctness or completeness of the Content, (ii) the non-infringement, safety, reliability, timeliness or fitness for a particular purpose of the Content, nor (iii) that the Content is free from infection of any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept, harvest or expropriate from any system, data or personal information.

This site is not responsible for any of the Content posted by third parties. This site does not review or endorse any postings that appear on it in message boards or other public features.

Your use of the Content

You may print, download or otherwise use the Content for non-commercial use in the form of (i) one (1) machine-readable copy, (ii) one (1) backup copy and (iii) one (1) print copy. Except as otherwise permitted under the copyright laws of the United States, no other copying, distribution, redistribution, transmission, publication or use of the Content is permitted by you without prior written consent. This site withhold such permission in its sole discretion.

You may not delete any proprietary notices appearing in the Content. You may not transfer the Content to another person or entity. You may not modify the Content or utilize it for any commercial purpose or any other public display, performance, sale or rental. You may not decompile, reverse engineer or disassemble the Content in any way.

This site and its officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates may invest or otherwise hold interests in companies contemplating or that have undertaken initial public offerings, including companies mentioned in the Content. The views and opinions expressed in the Content are not intended and shall not be construed to constitute a description of securities bought, sold, or held on behalf of such parties. Nor are the views and opinions present in the Content an indication of any intention to buy, sell, or hold any security. Investment decisions made by such parties may change at any time and for any reason.

Investment information disclaimer

Included in the Content on this site is certain investment information concerning companies, investments and securities, some of which is made available from third party information providers and posted on this sites message boards and in other public forums. Neither this site nor any of its officers, directors, shareholders, employees, independent contractors, agents, representatives or affiliates (i) passes on the merit of any of the companies, investments or securities listed in the Content or (ii) endorses or sponsors any of the companies, investments or securities listed in the Content.

When accessing and using message boards and other public features concerning investment information, you should be wary and cautious of any information you find there. Users who post information in such venues may not be who they claim to be, and/or may not be affiliated with whom they claim to be affiliated. The investment information they make available in such venues may be incorrect or intentionally deceiving.

Investment information included in the Content cannot substitute for independent research and analysis of companies, investments and securities, nor for the advice of a qualified financial or investment advisor. Investment or trading decisions should not be based in any way on investment information obtained from the Content.

Third party links on this site

THis site may provide links to other websites related to this site's business partners and other third parties. Such links do not constitute an endorsement by this site of those websites, nor any products or services listed on those websites. This site is not responsible for any activities on those websites.

Sending information via this site

You are not permitted to transmit, submit or post information to this site that contains any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept, harvest or expropriate from any system, data or personal information.

Limitations on this site's liability

THIS SITE Shall not be liable to you, or to any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any damages, including, without limitation, punitive, special, incidental, indirect or consequential damages that include, but are not limited to, damages for any loss of profit, revenue or business, as a direct or indirect result of, arising out of or relating to: (i) your breach or violation of these Terms and Conditions and/or THIS SITES Privacy Policy; (ii) your access and use of THIS SITE; (iii) your inability to access or use THIS SITE for any reason; (iv) your use of the Content; and/or (v) your reliance upon or use of any of the Content, even if THIS SITE has been advised of the possibility of such damages. Please note, some jurisdictions do not permit such limitations on THIS SITE's liability, and accordingly, some or all of your rights may not be limited by foregoing limitation of liability.

Indemnification

You shall defend, indemnify and hold harmless This site and its respective officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, without limitation, attorneys costs and fees, arising out of, or attributable to any breach or violation of these Terms and Conditions and/or thi site's Privacy Policy by you, your access or use of this site, and/or any access or use of this site under any username or password issued to you.

Termination, Cancellation or refund of memberships

REFUND POLICY: A full refund is given if we receive notification (phone or email) that you wish to cancel within 3 calendar days, provided that you return the completed Refund Request form within 14 calendar days after the date your Paid Premium Membership was activated.  Exceptions: Refunds will not be offered for payments made by check or credit card until the funds have properly settled.  Refunds are not available when extending or reactivating a prior membership.  Features and appropriateness of the service already known by existing and prior members and already deemed appropriate.  This policy prevents the possible abuse of scrapers and the improper acquisition of materials.   This site reserves the right to review cancellation or refund requests on an individual basis for merit and reject any refund request at its sole discretion. 

Changes to these Terms and Conditions

This site reserves the right to amend these Terms and Conditions at any time, in its sole discretion and without notice. Any changes to these Terms and Conditions will be posted here. You are encouraged to visit these Terms and Conditions frequently in order to review any changes that have occurred. Your continued access and use of this site following any changes to these Terms and Conditions shall automatically be deemed your acceptance of the same.

Equitable remedies

You acknowledge and agree that this site may be irreparably damaged if these Terms and Conditions are not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of any breach, violation or threatened breach or violation of these Terms and Conditions, this site shall be entitled, in addition to all other rights and remedies, to an injunction restraining the same, without being required to show any actual damage or to post an injunction bond, and/or to a decree of specific performance or similar equitable remedy.

For purposes of this Section, you agree that any action or proceeding with regard to this site's rights of equitable remedy, shall be brought in the courts of record of Broward County, Florida, or the United States District Court, Southern District of Florida, Ft. Lauderdale Division. You consent to the jurisdiction of such court and waive any objection to the laying of the venue of any such action or proceeding in such courts. You agree that service of any court paper may be effected by mail or in such other manner as applicable laws, rule of procedure or local rules provide.

Governing law and arbitration

These Terms and Conditions are to be governed by and construed in accordance with the internal laws of the State of Florida, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to these Terms and Conditions, except for an injunctive action regarding a breach, violation or threatened breach or violation of these Terms and Conditions by you as provided above, shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Broward County, Florida. The arbitrator shall be selected by you and this sites representative, and if you and this sites representation are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the arbitrator shall be selected by the American Arbitration Association. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator's fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator's fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.

Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and this site and your and this sites respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction.

If any portion of these Terms and Conditions is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, these Terms and Conditions as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of these Terms and Conditions that is unlawful, void or unenforceable shall be stricken from these Terms and Conditions.

The headings contained in these Terms and Conditions are for convenience of reference only, are not to be considered a part of these Terms and Conditions, and shall not limit or otherwise affect in any way the meaning or interpretation of these Terms and Conditions.

All covenants, agreements, representations and warranties made in these Terms and Conditions, as may be amended by this sites stakeholders from time to time, shall survive your acceptance of these Terms and Conditions.

These Terms and Conditions represent the entire understanding and agreement between you and this site regarding their subject matter, and supersede all other previous agreements, understandings and/or representations regarding the same.

Privacy Policy  (Terms and Conditions above)
Last Updated January 8, 2008

This Privacy Policy (this "Privacy Policy") explains what information this site may collect via a web page or other communications, what this site may do with the information this site collects from various channels of communication, and what security precautions are taken with regard to it. Your access and use of this site means that you agree with this Privacy Policy and Terms and Conditions located in the terms and conditions above, as well as applicable laws, rules and regulations. If you do not agree with this Privacy Policy orTerms and Conditions, please do not access or use this site. This site is intended to be accessed and used only by adults and is not directed to children under the age of 18.

This site is operated by Gruneisen Growth Corp., a Florida corporation.

Collection and use of personally identifiable information

Access and use of portions of this site is available to you without your providing with any personally identifiable information. However, when you use this site to provide commentary, request additional information, register for any level of membership, purchase a membership or otherwise request to be contacted by this site, depending on the nature of your request, you will be asked to submit personally identifiable information like your name, postal address, telephone number, credit card information and email address. This site does not knowingly permit submission of personally identifiable information by users under the age of 18. This site uses this information to fulfill your requests, and if you register for membership, to fulfill your membership requirements and send you our market reports, bulletins and newsletters which are part of your membership package.

From time to time, we may provide you with brochures and other promotional materials that we think may be of interest to you. You can opt for this site not to share your information with third parties by sending a request.

Notwithstanding the foregoing, this site reserves the right to share or otherwise disclose your personally identifiable information when it determines, in its sole discretion, that the disclosure is necessary to identify, contact or bring legal action against you if (i) you are interfering with another's, including this site's rights or property, (ii) you are violating this Privacy Policy, this site's Terms and Conditions and/or any applicable law, rule or regulation, and/or (iii) requested by authorities in the event of any act of terrorism or instance of any local, regional or national emergency.

Changes to personally identifiable information and contact preferences

You may at any time request a copy of your personally identifiable information and contact preferences held by this site, or otherwise make changes to your information and/or preferences, by contacting us.

Usernames and passwords
You may be issued a username and password by this siet in order to enable you to utilize certain features of the Premium Membership. You are solely responsible for keeping the confidentiality of any username and password issued to you. You are responsible for any access, use or activities on this site conducted under your username and/or password.

Use of your submissions

If you transmit, submit or post any information to the "Stock Ideas Message Board", "Frequently Asked Questions", "WebChat Forum", "Testimonials" and/or other public forum features available on this sitet, you automatically grant this siet the worldwide, fully-paid, royalty-free, exclusive right and license to use, copy, format, adapt, publish and/or incorporate the same in any media whatsoever. Keep in mind that any information you submit to those public forum features may be publicly displayed on this sitefor other users to access and see. For that reason, we encourage you not to post any personally identifiable information in submissions to those features. This siet will not be responsible for the use or dissemination of any information that you post to these pages.

Security infrastructure

In the unlikely event that an unauthorized third party compromises security, this site or it's associates are not liable to you, or to any third party, for any occurrences or damages directly or indirectly related to an unauthorized third party's ability to view, use or disseminate your personally identifiable information or contact preferences, including, without limitation, a third party's ability to tap in to or otherwise eavesdrop on, your Internet connection.

No credit card detail is kept on file whatsoever.

Use of cookies and aggregate statistical data

This siet utilizes cookie technology. In the form of text files that are inserted and stored on your computer's hard drive by your web browser. This site uses cookies to track usage and click through trends to assist in developing new products and website features. This site also logs information derived from cookies about access and use of this site including origination IP addresses.

This sietuses the  information it collects from cookies to diagnose potential and existing server problems and to aggregate statistical data. This site reserves the right to share the anonymous, aggregate statistical data with third parties. You can disable your web browser's ability to receive cookies.

Third party links

This site may provide links to the websites of other business partners, affiliates and third parties; however, this Privacy Policy applies solely to this site. If you utilize any third party links appearing on this site, you are encouraged to read the individual privacy policies of those linked websites, as they may differ substantially from this Privacy Policy. This site makes no representations or warranties about, nor is this site responsible for, the privacy policies of any websites outside this site.

Changes to this Privacy Policy

This Privacy Policy may require periodic updating. This site reserves the right to amend this Privacy Policy at any time, in its sole discretion and without notice. Any changes to this Privacy Policy will be posted here. You are encouraged to visit this Privacy Policy frequently in order to review any changes that have occurred. Your continued access and use of this site following any changes to this Privacy Policy shall automatically be deemed your acceptance of the same.

Governing law and arbitration

This Privacy Policy is to be governed by and construed in accordance with the internal laws of the State of Florida, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Privacy Policy shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Broward County, Florida. The arbitrator shall be selected by you and a designated representative of this site and if you and this sites representation are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the arbitrator shall be selected by the American Arbitration Association. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator's fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator's fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.

Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and this site and your and this site's respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction.

Miscellaneous

If any portion of this Privacy Policy is deemed unlawful, void or unenforceable by any arbitrator, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy.

The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.

All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by stakeholders of this site from time to time, shall survive your acceptance of this Privacy Policy.

This Privacy Policy represents the entire understanding and agreement between you and this site regarding its subject matter, and supersedes all other previous agreements, understandings and/or representations regarding the same.