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PRINT PAGE PREMIUMSTOCKSPLUS.COM and YOUR MONEY SAVING COACH TERM OF USE, CONDITIONS AND DISCLAIMER AGREEMENT BETWEEN PREMIUMSTOCKSPLUS.COM AND THE USER TERM OF USE By accessing and using any or all of the products, services, newsletters, research results, charts, internet web sites and web pages, owned and operated by PremiumStocksPlus.com the User agrees to be bound by these terms of use, conditions and disclaimer ("Terms of Use") and all applicable laws and regulations. If you, the User, do not agree with any part of these Terms of Use, you must immediately discontinue any use of the Website. These Terms of Use may change from time to time without notice and it is the User's responsibility to check for updates. By using this Website you, the User, are agreeing to be bound by the current version of these Terms of Use. The last revision date for these Terms of Use is set forth below. 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You also agree to be bound by any additional terms of use, conditions and disclaimers that may be required by PremiumStocksPlus.com or any content Providers from time to time. This Website or any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com may be temporarily unavailable from time to time due to required maintenance, telecommunications interruptions, or other disruptions. Although PremiumStocksPlus.com makes every reasonable effort to minimize such downtime, PremiumStocksPlus.com does not guarantee 100 percent availability of the Website. WHEN YOU SUBSCRIBE TO ANY PremiumStocksPlus.com PRODUCTS OR SERVICES: We are not financial analysts, investment brokers or financial advisors. We expect you, the User, to know your own investment goals and to understand that a possession of fundamental trading abilities, or a desire to procure those abilities should prerequisite your signing up. All subsidiary websites of PremiumStocksPlus.com, shall under no circumstances be liable to any visitor, user, and/or any third party for any lost profits, lost opportunities, indirect, special, incident, consequential, punitive, or any other damages whatsoever. We assume no responsibility or liability for any inaccuracies, misstatements, errors, fabrications, contained within documents, data, materials, website pages, contained here within and associated pages, either through error or negligence. You, the User, agree to hold PremiumStocksPlus.com harmless for any act resulting directly or indirectly from this Website or any of the products, services, internet web sites owned and operated by PremiumStocksPlus.com, its data, content, materials, associated pages and documents. Your subscription is personal to you, the User, and the members of your household, and you may not transfer or make available your account name and password to others, including without limitation your co-workers. Any distribution by you of your account name and password may result in cancellation of your subscription without refund and additional charges based on unauthorized use. Subscriber must promptly inform PremiumStocksPlus.com of the following: Changes in the expiration date of any credit card used in connection with the service; changes in home or billing address; and apparent breaches of security, such as loss, theft, or unauthorized disclosure or use of an email and password. Until we are notified, by e-mail of a breach in security, the Subscriber will remain liable for any unauthorized use of the service. PAYMENT All payments made to PremiumStocksPlus.com are made through a third party service. PremiumStocksPlus.com is not liable for any monies lost during the transaction process, non-payment issues or not declination of any credit card. PremiumStocksPlus.com does not collect or store any credit card information and cannot be liable for any lost or stolen credit card numbers. Your name and email address will be made available to all parties to the sale, as required, to complete payment. All charges will appear as " PremiumStocksPlus.com" on your credit card statement. Any promotion, promotional rates, and any promotional offers expire as soon as a subscriber's account is deactivated as a result of nonpayment, declined payment, cancellation of service, or any other reason. AUTOMATIC RENEWAL POLICY Payment for the appropriate services will be made by automatic credit card debit. SUBSCRIBERS WILL BE AUTOMATICALLY RENEWED FOR THE ORIGINAL TERM UPON EXPIRATION, unless Highlight Investments Inc. is notified via email (admin@premiumstocksplus.com) 5 days prior to membership renewal date. Unless, and until this agreement is cancelled by email, Subscriber hereby authorizes PremiumStocksPlus.com to charge Subscriber's credit card to pay for the ongoing cost of membership. CANCELLATION POLICY Subscribers may, at any time and without cause, terminate their subscription to our services. If you, the User, wish to cancel your subscription for any reason, there are no refunds. PremiumStocksPlus.com has the right to terminate at any time, and without cause, subscription or access to our services. HIGH SPEED INTERNET NEEDED In order to view the videos in the members section, you agree that you are responsible for supplying your own high speed internet connection and a computer with sufficient capabilities to view any videos found on PremiumStocksPlus.com or in Your Money Saving Coach. NO REFUNDS will be issued for reactivated, transferred or upgraded accounts. REGULAR AND PROMOTIONAL PRICES Under regular prices we understand the prices for the product without any discount. Under promotional prices we understand an event when the product price is reduced. PremiumStocksPlus.com reserves the right to change regular and promotional prices of it's products and services. Any promotional prices are valid only in the time scope defined by promotion and are not valid after the promotion is ended and cannot be used before the promotion starts. If a user did not use a promotional price during the period of time defined by promotion and signed up for a service at regular rates a user is not entitled for a promotion and PremiumStocksPlus.com is not obligated to resign up or recalculate his payment at promotional rates. If a user entitled for a promotional upgrade a user cannot receive a refund/credit as a difference between regular and promotional price for the period a user used the product prior the upgrade. Promotional prices apply only to online subscriptions. PremiumStocksPlus.com reserves the right to adjust payments received by mail through check or money order using promotional price rates, and such payments will be adjusted in accordance to regular prices as published at the time the check or money order was received. E-MAIL SERVICE Some of our services involve the sending of emails to our subscribers. We provide email alerts as a free service, complimentary to the services offered on our websites. Our customers retain full responsibility for submitting a valid email address in order to receive any of our email services. We assume no responsibility or liability for undelivered, damaged, or late emails, whatever the reason it may be. Our email services are designed for educational purposes only! They should not be construed as trading advice of any kind. CUSTOMER SERVICE PremiumStocksPlus.com does not offer full customer support to non-paying members. When requesting customer support, we ask that our subscribers provide us with the following: Their username, the name of the purchased product, the exact email address that was submitted at the time the product was purchased. Should a subscriber refuse to provide the above information, PremiumStocksPlus.com reserves the right to decline any product upgrades or downgrades, the termination of services, the purchase of other products, or the provision of customer support. PremiumStocksPlus.com's customer support requires 48 hours (two business days) to respond to enquiries. PremiumStocksPlus.com will not respond to any threatening, insulting, or in any other way damaging emails. In cases where threatening, insulting, or in any other way detrimental emails are sent to our servers on a regular basis, PremiumStocksPlus.com reserves the right to block a customer's email address. PremiumStocksPlus.com is not responsible for any email that does not reach our support staff, whatever the reason may be. PremiumStocksPlus.com immediately deletes emails that are suspected to contain viruses or pose any other security threat. Email replies provided by PremiumStocksPlus.com in response to customer enquiries cannot be used as legal documents or contracts; email replies are provided for educational purposes only. For as long as it is kept in Company databases or archives, any correspondence sent to PremiumStocksPlus.com becomes the sole property of the Company. THIRD PARTY PRODUCTS AND SERVICES Third party services and products may be delivered to a user through PremiumStocksPlus.com. Under third party product or service we understand the the products or services delivered and owned to a user by third company (not PremiumStocksPlus.com), independent group of people or independent individual/contractor that use PremiumStocksPlus.com information and technology including but not limited by web, hosting, payment system, customer and technical support. The "third party product or services" are not considered as products of PremiumStocksPlus.com and the PremiumStocksPlus.com disclaim any responsibility and shall not, in any event, be liable for any third party products and services delivered through the PremiumStocksPlus.com. The third party products and services are regulated by the current "Terms and Conditions" of PremiumStocksPlus.com and may be additionally regulated by the "Term and Conditions" of the of the third party product and services if the one is presented on the site or referred to in any other third party information. The third party products and services are additionally regulated by the legal agreement between PremiumStocksPlus.com and third party company, independent group of people or independent individual/contractor. The PremiumStocksPlus.com has not influence on the "third party products or services" including but not limited by information, membership, product rates and prices. The "third party products or services" has not influence on the PremiumStocksPlus.com products or services including but not limited by information, membership, product rates and prices. NO SOLICITATION No part of this Website shall be taken to constitute an offer or solicitation to buy or sell products or services. Some products or services mentioned on this Website may only be available in certain areas or jurisdictions. Any products or services mentioned on this Website are made available in accordance with local laws and only where they may be lawfully offered for sale. CONFIDENTIALITY WARNING Absent the use of encryption, the Internet is not a secured medium and privacy cannot be ensured. Internet email is vulnerable to interception and forging. PremiumStocksPlus.com will not be responsible for any damages you or any third party may suffer as a result of the transmission of confidential information that you may make to any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com, through the Internet, or that you expressly or implicitly authorize PremiumStocksPlus.com to make, or for any errors or any changes made to any transmitted information. COMPUTER VIRUSES While efforts are made to ensure that the Information provided at this Website does not contain computer viruses, you, the User, should take reasonable and appropriate precautions to scan for computer viruses, and you, the User, should ensure that you have a complete and current back up of the applicable items of information contained on your computer system. CONFORMANCE WITH LAW You, the User, agree that your use of this Website or any of the products, services, internet web sites owned and operated by PremiumStocksPlus.com will not violate any applicable local, national ,or international law, including - but not limited to - any regulations having the force of law. Some jurisdictions may have restrictions on the use of the Internet by their residents. You, the User, agree not to impersonate any person in your use of the any or all of the products, services, internet web sites owned and operated by PremiumStocksPlus.com. or the sending any email to an address listed on the Website. SEVERABILITY If any provision of these Terms of Use is determined to be invalid or unenforceable, the provision will be enforced to the maximum extent permissible and the remaining provisions of these Terms of Use will still be valid. GOVERNING LAW The local laws applicable therein will govern as to the interpretation, validity and effect of these Terms of Use and as to any dispute or claim based on your use of the Website or the Information, notwithstanding any conflict of laws provisions of your domicile, residence or physical location. IF YOU DO NOT AGREE TO BE BOUND BY THE ABOVE TERMS OF USE YOU SHOULD IMMEDIATELY DISCONTINUE ANY USE OF ANY PRODUCTS, SERVICES, CHARTS, RESEARCH RESULTS, INTERNET WEB SITES AND WEB PAGES OWNED AND OPERATED BY PremiumStocksPlus.com. IF YOU DO NOT AGREE TO BE BOUND BY THE ABOVE TERMS OF USE YOU SHOULD IMMEDIATELY DISCONTINUE ANY USE OF ANY PRODUCTS, SERVICES, CHARTS, RESEARCH RESULTS, INTERNET WEB PremiumStocksPlus.com, Copyright 2008 - All rights reserved - PremiumStocksPlus.com. DISCLAIMER An annual subscription will cost $47 under the current offer. Investing in a membership under this offer or any other offered price will allow you grandfathered privilages for renewing your annual membership at the same rate. Unless you cancel before the end of that year, your subscription will automatically renew for another year at the then-current subscription price. Offer applies only to new PremiumStocksPlus subscribers, and is subject to change at any time. Void where prohibited. Important Risk Disclosure: PremiumStocksPlus team are stock researchers with extensive trading and stock analysis experience. PremiumStocksPlus.com contains the authors' own opinions, and none of the information contained therein constitutes a recommendation that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific person. You further understand that PremiumStocksPlus will not advise you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent any of the information contained in PremiumStocksPlus.com may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. Investing in the stocks chosen by PremiumStocksPlus.com is risky and speculative. The companies may have limited operating histories and little available public information, and the stocks they issue may be volatile and illiquid. Trading in such securities can result in immediate and substantial losses of the capital invested. You should use only risk capital, and not capital required for other purposes, such as retirement savings, student loans, mortgages or education. PremiumStocksPlus portfolio is a model portfolio of stocks chosen by the authors in accordance with their stated investment strategy. Your actual results may differ from results reported for the model portfolio for many reasons, including, without limitation: (i) performance results for the model portfolio do not reflect actual trading commissions that you may incur; (ii) performance results for the model portfolio do not account for the impact, if any, of certain market factors, such as lack of liquidity, that may affect your results; (iii) the stocks chosen for the model portfolio may be volatile, and although the "purchase" or "sale" of a security in the model portfolio will not be effected in the model portfolio until confirmation that the email alert has been sent to all subscribers, delivery delays and other factors may cause the price you obtain to differ substantially from the price at the time the alert was sent; and (iv) the prices of stocks in the model portfolio at the point in time you begin subscribing to PremiumStocksPlus.com may be higher than such prices at the time such stocks were chosen for inclusion in the model portfolio. Past results are not necessarily indicative of future performance. The trading of stocks, futures, commodities, index futures or any other securities has potential rewards, and it also has potential risks involved. Trading may not be suitable for all users of this Website. Anyone wishing to invest should seek his or her own independent financial or professional advice. We reserve the right to send you important e-mail notices. You agree to receiving e-mail notices from PremiumStocksPlus pertaining to your personal membership account information, personal credit card information, any special offers we may have from time to time and also for PremiumStocksPlus membership account expiration. We will notify you before your membership expires and also to update your credit card information if necessary. 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This stipulation is designed to protect my wife and my assets in the event of an unforeseen tragedy that would keep me from operating the business. This is the real world and tragedies happen every day. Let’s hope nothing happens and I don’t think it will since I’ve been around for 47 years already. Hopefully you will have received enough valuable information up front in the case of a tragic event happening. Thank you for your patience and understanding with this stipulation. You agree that all transaction are final and that there is no money back guarantee. You agree to allow your credit card to be charged the going rate of $47 for the annual membership to PremiumStocksPlus.com and Your Money Saving Coach and not to seek refunds or charge backs from your credit card company after the transaction was processed. All sales are final. 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