NPA Money TERMS OF SERVICE
1. TERMS
Please read this agreement carefully before using NPA Money (NPA) services.
This Agreement is made between NPA Money and you, the user, and/or member of the Services (“you”).
NPA Money, Inc. (“we,” “us” or “NPA”) provides the website known as NPAMoney.com and other information, including email newsletters, subject to your compliance with the terms and conditions set forth in this Agreement. Collectively, your use of the website and other information, including video updates and email newsletters, shall be referred to as the “Services”.
By using the Services, you agree to be bound by these terms and conditions. If you do not agree to these terms and conditions, you may not use the Services. You must be at least 18 years of age to use the Services. If you are not at least 18 years old, you may not access or use the Services.
We reserve the right at any time to:
- Change the terms and conditions of this Agreement.
- Change the Services, including eliminating or discontinuing any content on or feature of any of the Services; or
- Change any fees or charges for use of the Services.
Any changes we make will be effective seven (7) days after notice of any change is provided to you, which may be done by any means including, without limitation, posting on the Services or via electronic mail. Your use of the Services after such notice will be deemed acceptance of such changes. Be sure to review this Agreement periodically to ensure familiarity with the most current version. Upon our request, you agree to sign a non-electronic version of this Agreement.
The Services provided are for general informational purposes only. None of the Services is intended as investment, tax, accounting, or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security, or fund. The Services should not be relied upon for purposes of transacting securities or other investments. We cannot and do not assess or guarantee the suitability or profitability of any particular investment, or the potential value of any investment or informational source. You bear responsibility for your own investment research and decisions and should seek the advice of a qualified securities professional before making any investment.
Refund Policy. Cancellation will take effect no later than two (2) business days after we receive your notification.
The first 7day (trial) period of any subscription is always free unless otherwise specified. Your credit card will not be charged until the 8th day of subscription service, and ONLY if you do not cancel during the 7day trial period. However, only one free trial period is offered per person or address.
For those grandfathered into a monthly subscription: After your 7day free trial period, you may
cancel at the end of any monthly period, without any penalty or further obligation. However, there are no refunds on months already used.
For those with an annual subscription: After your 7day free trial period, you may cancel at any time during the 8th-45th day of your annual subscription. Upon cancellation, you may continue your subscription until the 60th day of subscription service. You will be refunded the FULL amount of your annual subscription less a $69.95 processing fee. No refunds are offered more than 61 days into your annual subscription.
Refund policy for biannual subscription: After your 7day free trial period, you may cancel at any time during the 8th-45th day of your biannual subscription. Upon cancellation, you may continue your subscription until the 60th day of subscription service. You will then be refunded the FULL amount of your biannual subscription less a $69.95 processing fee. In addition, at any time within the first year of your biannual subscription, you will be offered a refund on the second year of your biannual subscription. This refund will be determined by subtracting the current price of the one-year subscription and a $69.95 processing fee from the price paid by you for the two year subscription. However, no refunds are offered after the first year of your biannual subscription.
In all cases, please proceed to www.NPAMoney.com/cancel to initiate cancellation.
Renewal: If you are a monthly subscriber, you agree that your credit card will be charged the monthly subscription fee in effect on the date the charge is made. If your subscription is annual or biannual, then you agree that your subscription will convert to a monthly subscription on the date of the expiration of the initial subscription term. If your initial subscription is not renewed for the equivalent or longer fixed period, then your monthly subscription charge will be 10% of the initial annual subscription charge if your expiring subscription was for a one-year period, or 5% of the initial biannual subscription charge if your expiring subscription was for a two year period. Any other subscription type is purchased on a nonrenewable basis.
Termination. This Agreement shall remain effective until terminated in accordance with its terms. NPA Money, Inc. may terminate this Agreement, and/or your access to and use of the Services or any portion thereof, immediately, in the event we determine, in our sole discretion, that you have breached this Agreement. If the subscription is terminated “for cause”, you will not receive a refund of any consideration paid for the subscription. In addition, we reserve the right, upon 10 business days notice and the reimbursement of any whole months remaining on your subscription, to terminate this Agreement without cause.
Our policy with respect to the collection and use of your personal information is set forth in our Privacy Policy.
Code of Conduct. While using the Services you agree not to:
Restrict or inhibit any other visitor or member from using the Services, including, without limitation, by means of “hacking” or “cracking” or defacing any portion of any of the Services;
Use the Services for any unlawful purpose; Express or imply that any statements you make are endorsed by us, without our prior written consent; Transmit (a) any content or information that is unlawful, fraudulent, threatening, harassing, abusive, libelous, defamatory, obscene or otherwise objectionable, or infringes on our or any third party’s intellectual property or other rights; (b) any material, nonpublic information about companies without the authorization to do so; (c) any trade secret of any third party; or (d) any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication (except as otherwise expressly permitted by us); Engage in spamming or flooding; Transmit any software or other materials that contain any virus, worm, time bomb, Trojan horse, or other harmful or disruptive component; Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Services; Remove any copyright, trademark, or other proprietary rights notices contained in the Services; “Frame”, “mirror” or link to any part of the Services without our prior written authorization; Use any robot, spider, Services search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the Services or its content; Harvest or collect information about Services visitors or members without their express consent; copy, download or rebroadcast any video files made available as part of the Services or permit anyone else not residing in Subscriber’s household to use any of the Services through your subscription, username or password.
While using the Services you agree to comply with all applicable laws, rules, and regulations.
Submissions. Please note that, because we receive many emails and suggestions from our members, and sometimes redistribute the materials you give us, we need to obtain certain rights in those materials. By sending or transmitting to us creative suggestions, ideas, notes, concepts, information, or other materials (collectively, “Materials”), you grant us and our designees a worldwide, nonexclusive, sublicensable (through multiple tiers), assignable, royalty-free, perpetual, irrevocable right to use, reproduce, distribute (through multiple tiers), create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import such Materials in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Materials. None of the Materials disclosed shall be subject to any obligation, whether of confidentiality, attribution or otherwise, on our part and we shall not be liable for any use or disclosure of any Materials.