Legal

Sterling Financial ("we" and "us") is a division of Dick Sterling Publishing. We do not provide individual investment advice to anyone accessing the information we publish ("customer"). The information we publish is based on our opinions, data and research. Although we make every effort to provide the most accurate and updated information possible, our information cannot take into consideration your personal finances and goals, and therefore is not intended to be used as a personalized recommendation service to buy, hold, or sell securities or investments, or engage in any trading strategy. Such recommendations may only be made by your personal advisor or the broker you select.

Most investments involve risk of loss. Although we believe the strategies and analyses that we publish are designed to protect your principal, you can lose money. Therefore, the information we publish is not suited for beginning investors or people who are not considered to be sophisticated investors.

We believe our data sources are accurate, but we do not verify their accuracy independently. Therefore, we cannot assure you that the information is accurate or complete. Nor do we guarantee the success of any investment decision you may make using our data, information, or analyses.

LIMITATION ON LIABILITY

Liability, whether in contract, tort, negligence, or otherwise, shall be limited in the aggregate to direct and actual damages not to exceed the fees received by us from Customer. We will not be liable for consequential, incidental, punitive, special, exemplary, or indirect damages resulting directly or indirectly from the use of or reliance upon any material provided by us. Without limitation, we shall not be responsible or liable for any loss or damages related to, either directly or indirectly, (1) any decline in market value or loss of any investment; (2) a customer's inability to use or any delay in accessing our website or any other source of material provided by us; (3) any absence of material on our website; (4) failure to deliver or delay in delivering any material or (5) any kind of error in transmission of material; or (6) the use by a customer of any of our published material to invest in any way which may be deemed unsuitable in accordance with certain industry standards. Customer acknowledges that, without limitation, the above-enumerated conditions cannot be the probable cause of any breach of any agreement between us and Customer. "No-risk" and "risk-free" refer solely to the product price refund policy.

DISCLAIMER OF WARRANTY

ANY AND ALL MATERIAL PROVIDED BY US IS PROVIDED "AS IS" AND WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANT ABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

ACKNOWLEDGEMENT AND AGREEMENT

Withstanding any other agreement or other communications between us and Customer to the contrary, receipt or use of any material provided by us, at any time and through any means, whether directly or indirectly, represents acknowledgement by such person of this disclaimer and agreement with its terms and conditions.

THIRD-PARTY SITES, PRODUCTS, AND SERVICES

Links from any of our websites or emails are provided as a means of communicating marketing material and advertising of our products. Should you leave our sites or email, via a link contained herein, the content that you view therein may not provided by us. We are not responsible for, nor have developed or reviewed, the content at sites which are not ours. We make no guarantees, representations, or warranties as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality, or timeliness of any electronic content.

COPYRIGHT NOTICE

We are the copyright owner of all information contained in our published material including this website and all other websites we publish, and all emails published by us. Other parties' trademarks and service marks that may be referred to herein are the property of their respective owners. You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the information to others or substantially copy the information on your own server, without our prior written permission. Use or reproduction of information from this service for any other purpose is expressly prohibited by law, and may result in civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

PRIVACY NOTICE

We do collect personal information when you: Purchase, return or exchange any of our products or services through our websites or publications; Subscribe to any of our online newsletters, or register to participate in an online forum; Submit content to us; Enter into a contest through our websites or publications; Respond to one of our polls or surveys; or Contact our customer service department with an inquiry, comment or suggestion.

We may ask you to provide your name, mailing address, e-mail address and credit card or other payment information for the purposes of fulfilling your order, sending you invoices, and contacting you about your order or enquiry.

When you purchase products offered through one of our websites or publications, we collect your credit card and other payment information and keep a history of your purchases. We use this information to process your orders, to better assist you when you visit or contact us in the future, as well as to improve our product offerings.

When you return merchandise purchased via one of our websites or request a refund or exchange, you may be asked to provide certain information, including your name, e-mail address, residential address and phone number. We collect and use this information for fraud prevention purposes.

If you register yourself through any of our websites or publications, you may be asked for personal information such as your name, e-mail address, and a user name and password that you select. We collect the information we need to identify who you are, to provide you with the service or information you requested, and/or to facilitate your participation in an on-line forum or community.

Customer Service: When you call one of our customer service representatives, or e-mail us with a comment or question, you may be asked for information that identifies you, such as your name, address and telephone number, to help us promptly answer your question. We may retain this information to assist you in the future. We also may use your feedback, suggestions and comments to monitor and/or improve our publications, product offerings, and our websites.

Website Information: Generally, you can visit our websites without telling us who you are or providing us with any personal information. We collect the IP (Internet protocol) addresses of all visitors to our websites and clickstream and other related information such as page requests, browser type, operating system and average time spent on our websites. We use this information to monitor and improve our websites.

Cookies: To enhance your experience on our sites, many of our web pages use "cookies". Cookies are small text files that we place in your computer's browser to store your preferences. Cookies, by themselves, do not tell us your e-mail address or other personal information unless you choose to provide this information to us by, for example, registering at one of our sites. Once you choose to provide a web page with personal information, this information may be linked to the data stored in the cookie. We use cookies to understand site usage and to improve the content and offerings on our sites. Most browsers automatically accept cookies. You can set your browser option so that you will not receive cookies and you can also delete existing cookies from your browser. You may find that some parts of the site will not function properly if you have refused cookies.

Marketing: We may have marketing information about product and service offerings sent to you from time to time. We may combine personal information we received from you with publicly available outside records to enhance our ability to market products and services that may be of interest to you. To remove yourself from any of our marketing communications you can do so by contacting us through either email or postal mail or telephone, under the "Contact" portion of this website. You can also remove yourself from an email marketing list by clicking the "unsubscribe" button that appears on our emails.

Disclosure of Personal Information: Certain personal information may be transferred to other service providers for the purposes of processing your request or arranging delivery of your product, service, inquiry, or marketing communication, although insodoing they are required to maintain the confidentiality and security of your personal information and to use it only in compliance with applicable data privacy laws, and are prohibited from using or disclosing your personal information for any purpose other than providing the services on our behalf or as otherwise required by applicable law.

Sale of Business: We reserve the right to transfer any personal information we have about you in the event of a merger with a third party or upon a sale or transfer of all or a portion of our business or assets to an acquirer.

Legal: We may provide your personal information in response to a legally valid inquiry or order, or to an investigative body in the case of a breach of an agreement or contravention of law, or as otherwise required by law. We may also disclose personal information to assist us in collecting a debt owed by you, or otherwise where necessary for the establishment, exercise or defence of legal claims.

Security of Personal Information: Although we take appropriate measures to safeguard the personal information in our custody and control, we need you to understand that we are unable to guarantee that your personal information will never be disclosed or accessed in a manner that is inconsistent with this Privacy Statement. We have implemented measures in an effort to maintain the confidentiality of all personal information in our custody and control, including only providing access to personal information to employees and authorized service providers who require such information for the purposes described in this Privacy Statement. We maintain administrative, technical and physical safeguards in an effort to protect against unauthorized access, use, modification and disclosure of personal information in our custody and control.

Accessing and Correcting your Personal Information: If you wish to access the personal information we have about you, or to correct factual errors in our records, please contact us through the "Contact" section of our website. To protect your privacy, we will take reasonable steps to help verify your identity before granting access or making corrections.

Changes to this Privacy Notice: This Privacy Notice may be updated periodically to reflect changes to our personal information practices. The revised Privacy Notice will be posted on this website.