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Friday, April 7, 2023


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TERMS OF USE

PRIVACY POLICY | TERMS OF USE/DISCLAIMER | COPYRIGHT | TRADING
RESTRICTIONS/DISCLOSURE | REFUNDS & RENEWAL POLICY


PRIVACY POLICY

This Privacy Policy describes the privacy practices of TIFIN websites that link
to this policy (collectively, “we”, “us”, or “our”) and how we handle personal
information that we collect through our application, website and any other sites
or services that link to this Privacy Policy (collectively, the “Services”).

We provide additional information for residents of California and residents of
the United Kingdom, Switzerland, the European Economic Area (collectively,
“Europe” or “European”) below.

Personal information we collect

Information you provide to us:

 * Contact and account information, such as your first and last name, email
   address, phone number, and mailing address.
 * Payment and transaction information, such as information regarding your
   subscription to The Dividend Hunter, Options Floor Trader Pro, etc. Payments
   will be processed by our payment service provider, Authorize.net. Please see
   the “Authorize.net” section below for additional information regarding how
   Authorize.net handles your personal information.
 * Feedback or correspondence, such as information you provide when you contact
   us with questions, feedback, product reviews, or otherwise correspond with us
   online.
 * Usage information, such as information about how you use the Services and
   interact with us, including information associated with any content you
   upload to the Services or otherwise submit to us, and information you provide
   when you use any interactive features of the Services.
 * Marketing information, such as your preferences for receiving communications
   about our activities and publications, and details about how you engage with
   our communications.
 * Other information that we may collect which is not specifically listed here,
   but which we will use in accordance with this Privacy Policy or as otherwise
   disclosed at the time of collection.

Information we obtain from third parties:

 * Social media information. We may maintain pages on social media platforms,
   such as Facebook, LinkedIn, Instagram, and Twitter. When you visit or
   interact with our pages on those platforms, the platform provider’s privacy
   policy will apply to your interactions and their collection, use and
   processing of your personal information. You or the platforms may provide us
   with information through the platform, and we will treat such information in
   accordance with this Privacy Policy.
 * Other Sources. We may obtain your personal information from other third
   parties, such as marketing partners, publicly-available sources, lead
   generators and data providers.

Automatic data collection. We and our service providers may automatically log
information about you, your computer or mobile device, and your interaction over
time with our Services, our communications and other online services, such as:

 * Device data, such as your computer’s or mobile device’s operating system type
   and version, manufacturer and model, browser type, screen resolution, RAM and
   disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique
   identifiers (including identifiers used for advertising purposes), language
   settings, mobile device carrier, radio/network information (e.g., WiFi, LTE,
   4G), and general location information such as city, state or geographic area.
 * Online activity data, such as pages or screens you viewed, how long you spent
   on a page or screen, browsing history, navigation paths between pages or
   screens, information about your activity on a page or screen, access times,
   and duration of access, and whether you have opened our marketing emails or
   clicked links within them.

We use the following tools for automatic data collection:

 * Cookies, which are text files that websites store on a visitor‘s device to
   uniquely identify the visitor’s browser or to store information or settings
   in the browser for the purpose of helping you navigate between pages
   efficiently, remembering your preferences, enabling functionality, helping us
   understand user activity and patterns, and facilitating online advertising.
 * Local storage technologies, like HTML5, that provide cookie-equivalent
   functionality but can store larger amounts of data, including on your device
   outside of your browser in connection with specific applications.
 * Web beacons, also known as pixel tags or clear GIFs, which are used to
   demonstrate that a webpage or email was accessed or opened, or that certain
   content was viewed or clicked.

How we use your personal information

To operate our Services:

 * Provide, operate, maintain, secure and improve our Services.
 * Process transactions initiated by you and send you notices about your
   transactions and network activity.
 * Provide information about our Services.
 * Communicate with you about our Services, including by sending you
   announcements, updates, security alerts, and support and administrative
   messages.
 * Resolve disputes, collect fees, and troubleshoot problems.
 * Understand your needs and interests, and personalize your experience with our
   Services and our communications.
 * Verify your identity.
 * Respond to your requests, questions and feedback.

For research and development. To analyze and improve the Services and to develop
new products and Services, including by studying use of our Services.

Marketing and advertising. We and our advertising partners may collect and use
your personal information for marketing and advertising purposes, including:

 * Direct marketing. We may from time-to-time send you direct marketing
   communications as permitted by law, including, but not limited to, notifying
   you of special promotions, offers and events via email and in-app
   notifications. You may opt out of our marketing communications as described
   in the “Opt out of marketing communications” section below.
 * Interest-based advertising. We engage our advertising partners, including
   third party advertising companies and social media companies, to display ads
   around the web. These companies may use cookies and similar technologies to
   collect information about your interaction (including the data described in
   the “Automatic data collection” section above) over time across our Services,
   our communications and other online services, and use that information to
   serve online ads that they think will interest you. This is called
   interest-based advertising. We may also share information about our users
   with these companies to facilitate interest-based advertising to those or
   similar users on other online platforms. You can learn more about your
   choices for limiting interest-based advertising in the “Online tracking
   opt-out” section below.

To comply with law. As we believe necessary or appropriate to comply with
applicable laws, lawful requests, and legal process, such as to respond to
subpoenas or requests from government authorities.

For compliance, fraud prevention, and safety. To: (a) protect our, your or
others’ rights, privacy, safety or property (including by making and defending
legal claims); (b) enforce the terms and conditions that govern our Services;
and (c) protect, investigate and deter against fraudulent, harmful,
unauthorized, unethical or illegal activity.

To create anonymous data. To create anonymous data from your personal
information and other individuals whose personal information we collect. We make
personal information into anonymous data by removing information that makes the
data personally identifiable to you. We may use this anonymous data and share it
with third parties for our lawful business purposes, including to analyze and
improve our Services and to promote the Services.

How we share your personal information

Affiliates. We may share your personal information with our corporate parent,
subsidiaries, and affiliates, for purposes consistent with this Privacy Policy.

Service providers. We may share your personal information with third party
companies and individuals that provide services on our behalf or help us operate
our Services (such as customer support, hosting, analytics, email delivery,
marketing, identity verification, fraud detection, payment processing, and
database management).

Advertising partners. We may share your personal information with third party
advertising companies, including for the interest-based advertising purposes
described above.

Professional advisors. We may disclose your personal information to professional
advisors, such as lawyers, bankers, auditors and insurers, where necessary in
the course of the professional services that they render to us.

For compliance, fraud prevention and safety. We may share your personal
information for the compliance, fraud prevention and safety purposes described
above.

Business transfers. We may sell, transfer or otherwise share some or all of our
business or assets, including your personal information, in connection with a
business transaction (or potential business transaction) such as a corporate
divestiture, merger, consolidation, acquisition, reorganization or sale of
assets, or in the event of bankruptcy or dissolution. In such a case, we will
make reasonable efforts to require the recipient to honor this Privacy Policy.

Your choices

Opt out of marketing communications. You may opt out of marketing communications
by clicking the unsubscribe link at the bottom of the communication. After you
opt out, you may continue to receive service-related and other non-marketing
emails.

Online tracking opt-out. There are a number of ways to opt out of having your
online activity and device data collected through our Services, which we have
summarized below:

 * Blocking cookies in your browser.Most browsers let you remove or reject
   cookies, including cookies used for interest-based advertising. To do this,
   follow the instructions in your browser settings. Many browsers accept
   cookies by default until you change your settings. For more information about
   cookies, including how to see what cookies have been set on your device and
   how to manage and delete them, visit org.

Use the following links to learn more about how to control cookies and online
tracking through your browser:

 * * Firefox; Chrome; Microsoft Edge; Safari

 * Blocking advertising ID use in your mobile settings.Your mobile device
   settings may provide functionality to limit use of the advertising ID
   associated with your mobile device for interest-based advertising purposes.
 * Using privacy plug-ins or browsers.You can block our Services from setting
   cookies used for interest-based ads by using a browser with privacy features,
   like Brave, or installing browser plugins like Privacy Badger,
   DuckDuckGo, Ghostery or uBlock Origin, and configuring them to block third
   party cookies/trackers.
 * Platform opt-outs.The following advertising partners offer opt-out features
   that let you opt out of use of your information for interest-based
   advertising:
   * Google
   * Bing
 * Advertising industry opt-out tools.You can also use these opt-out options to
   limit use of your information for interest-based advertising by participating
   companies:
   * Digital Advertising Alliance
   * Network Advertising Initiative

Note that because these opt-out mechanisms are specific to the device or browser
on which they are exercised, you will need to opt out on every browser and
device that you use.

Do Not Track. Some Internet browsers may be configured to send “Do Not Track”
signals to the online services that you visit.  We currently do not respond to
“Do Not Track” or similar signals. To find out more about “Do Not Track,” please
visit http://www.allaboutdnt.com.

Authorize.net

Payments on our Services are handled by Authorize.net. The information you
provide to Authorize.net  in connection with your payment information and
transactions is handled in accordance with Authorize.net’s terms and privacy
policies. Your payment data is stored by Authorize.net.

For more information, please read Authorize.net’s terms of service here, and
privacy policy here.

Other sites, mobile applications and services

Our Services may contain links to other websites, mobile applications, and other
online services operated by third parties. These links are not an endorsement
of, or representation that we are affiliated with, any third party. In addition,
our content may be included on web pages or in mobile applications or online
services that are not associated with us. We do not control third party
websites, mobile applications or online services, and we are not responsible for
their actions. Other websites and services follow different rules regarding the
collection, use and sharing of your personal information. We encourage you to
read the privacy policies of the other websites and mobile applications and
online services you use.

Security practices

We use reasonable organizational, technical and administrative measures designed
to protect against unauthorized access, misuse, loss, disclosure, alteration and
destruction of personal information we maintain. Unfortunately, data
transmission over the Internet cannot be guaranteed as completely secure.
Therefore, while we strive to protect your personal information, we cannot
guarantee the security of personal information.

Children 

Our Services are not intended for use by children under 13 years of age. If we
learn that we have collected personal information through the Services from a
child under 13 without the consent of the child’s parent or guardian as required
by law, we will delete it.

International users

By using our Services, you understand and acknowledge that your personal
information will be transferred from your location to Investors Alley’s or
Investors Alley’s service providers’ facilities and servers in the United
States.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time. If we make
material changes to this Privacy Policy, we will notify you by updating the date
of this Privacy Policy and posting it on our Services. We may also provide
notification of changes in another way that we believe is reasonably likely to
reach you, such as via e-mail (if you have an account where we have your contact
information) or another manner through our Services.

Any modifications to this Privacy Policy will be effective upon our posting the
new terms and/or upon implementation of the new changes on our Services (or as
otherwise indicated at the time of posting).

How to contact us

Please direct any questions or comments about this Policy or privacy practices
to help@investorsalley.com. You may also write to us via postal mail at:

Investors Alley Corp.

41 Madison Ave, Fl 31

New York, NY  10010

Additional information for California residents

This section applies only to California residents. For purposes of this section,
“personal information” has the meaning given in the California Consumer Privacy
Act of 2018 (“CCPA”) but does not include information exempted from the scope of
the CCPA.

Your California privacy rights. The CCPA grants individuals whose information is
governed by the CCPA the following rights:

 * You can request information about how we have collected and used your
   personal information during the past 12 months. We have made this information
   available to California residents without having to request it by including
   it in this Privacy Policy.
 * You can request a copy of the personal information that we have collected
   about you during the past 12 months.
 * You can ask us to delete the personal information that we have collected from
   you.
 * Opt out of sale of your personal information. We do not sell personal
   information. Like many businesses, we use services that display
   interest-based ads to users around the web. We offer instructions on how to
   limit online tracking in the “Online tracking opt out” section above.

You are entitled to exercise the rights described above free from
discrimination.

Please note that the CCPA limits these rights by, for example, prohibiting us
from providing certain sensitive information in response to an access request
and limiting the circumstances in which we must comply with a deletion
request. If we deny your request, we will communicate our decision to you.

How users in California can exercise their rights

You may exercise your California privacy rights described above as follows:

 * Right to information, access and deletion. You can request to exercise your
   information, access and deletion rights by:
   * Clicking here to submit a CCPA request
   * Emailing help@investorsalley.com
 * Right to opt out of sale of personal information. We offer instructions on
   how to limit online tracking in the “Online tracking opt-out” section above.
 * Identity verification. We will need to confirm your identity and California
   residency to process your requests to exercise your information, access or
   deletion rights. We cannot process your request if you do not provide us with
   sufficient detail to allow us to understand and respond to it.
 * Authorized agents.California residents can empower an “authorized agent” to
   submit requests on their behalf.  We will require the authorized agent to
   have a written authorization confirming that authority.

Notice to European residents

Scope. This section applies if you are a User in the EU (for these purposes,
reference to the EU also includes the European Economic Area countries of
Iceland, Liechtenstein and Norway, and, to the extent applicable, Switzerland)
and the UK.

Personal information. References to “personal information” in this Privacy
Policy are equivalent to “personal data” governed by European data protection
legislation.

Controller. Investors Alley is the controller of the personal information we
collect.

EU representative. We have appointed VeraSafe as our representative in the
European Union for data protection matters, pursuant to Article 27 of the
General Data Protection Regulation of the European Union. To contact VeraSafe,
please visit
https://www.verasafe.com/privacy-services/contact-article-27-representative.
Alternatively, you may call VeraSafe at +420 228 881 031, or write to VeraSafe
Ireland Ltd., Unit 3D North Point House North Point Business Park New Mallow
Road, Cork T23AT2P, Ireland.

Legal basis for processing. We use your personal information only as permitted
by law. Our legal bases for processing the personal information described in
this Privacy Policy are described in the table below.

Processing purpose Legal basis To operate our services Processing is necessary
to perform the contract governing our provision of our services or to take steps
that you request prior to signing up for the services. If we have not entered
into a contract with you, we process your personal information based on our
legitimate interest in providing the services you access and request.
 * For research and development
 * For marketing and advertising purposes
 * For compliance, fraud prevention and safety
 * Creation of anonymous data

These activities constitute our legitimate interests. We do not use your
personal information for these activities where our interests are overridden by
the impact on you (unless we have your consent or are otherwise required or
permitted to by law). To comply with law Processing is necessary to comply with
our legal obligations With your consent Processing is based on your consent.
Where we rely on your consent you have the right to withdraw it any time in the
manner indicated when you consent or in the services.

Use for new purposes. We may use your personal information for reasons not
described in this Privacy Policy where permitted by law and the reason is
compatible with the purpose for which we collected it. If we need to use your
personal information for an unrelated purpose, we will notify you and explain
the applicable legal basis.

Sensitive personal information. We ask that you not provide us with any
sensitive personal information (e.g., information related to racial or ethnic
origin, political opinions, religion or other beliefs, health, biometrics or
genetic characteristics, criminal background, or trade union membership). If you
provide us with any sensitive personal information when you use our Services,
you must consent to our processing and use of such sensitive personal
information in accordance with this Privacy Policy. If you do not consent to our
processing and use of such sensitive personal information, you must not submit
such sensitive personal information through our Services.

Retention. We retain personal information for as long as necessary to fulfill
the purposes for which we collected it, including for the purposes of satisfying
any legal, accounting, or reporting requirements, to establish or defend legal
claims, or for fraud prevention purposes. To determine the appropriate retention
period for personal information, we consider the amount, nature, and sensitivity
of the personal information, the potential risk of harm from unauthorized use or
disclosure of your personal information, the purposes for which we process your
personal information and whether we can achieve those purposes through other
means, and the applicable legal requirements.

Cross-border data transfer. If we transfer your personal information from Europe
to another country such that we are required to apply appropriate safeguards to
your personal information under European data protection laws, we will do so.
Please contact us for further information about any such transfers or the
specific safeguards applied.

Your rights. European data protection laws may give you certain rights regarding
your personal information. If you are located in Europe, you may ask us to take
the following actions in relation to your personal information that we hold:

 * Provide you with information about our processing of your personal
   information and give you access to your personal information.
 * Update or correct inaccuracies in your personal information.
 * Delete your personal information.
 * Transfer a machine-readable copy of your personal information to you or a
   third party of your choice.
 * Restrict the processing of your personal information.
 * Object to our reliance on our legitimate interests as the basis of our
   processing of your personal information that impacts your rights.

You may submit these requests by email to help@investorsalley.com or our postal
address provided above. We may request specific information from you to help us
confirm your identity and process your request. Applicable law may require or
permit us to decline your request. If we decline your request, we will tell you
why, subject to legal restrictions. If you would like to submit a complaint
about our use of your personal information or our response to your requests
regarding your personal information, you may contact us or submit a complaint to
the data protection regulator in your jurisdiction. You can find your data
protection regulator here.



General Risk Disclaimer

Investors Alley Corp. (the “Company”) is a publisher of financial news, opinions
and research and is not a securities broker-dealer or an investment adviser.

 1. The information provided by the newsletters, opinions, and research related
    to various markets (collectively referred to as the “Services”) is not
    customized or personalized to any particular risk profile or tolerance.
    Trading and investing is not for everyone. The information published by the
    Company is not a customized or personalized recommendation or solicitation
    to buy, sell, hold, or invest in particular financial products, and the
    Services are not intended to provide money management advice or services.
    The Services are intended to supplement your own research and analysis.

 2. Past performance is not necessarily indicative of future results. Trading
    and investing involve substantial risk. Trading on margin carries a high
    level of risk, and may not be suitable for all investors. The Company does
    not make any guarantee or other promise as to any results that may be
    obtained from using the Services.  No person subscribing for the Services
    (“Subscriber”) should make any investment decision without first consulting
    his or her own personal financial adviser, broker or consultant. The Company
    disclaims any and all liability in the event anything contained in the
    Services proves to be inaccurate, incomplete or unreliable, or results in
    any investment or other loss by a Subscriber.

 3. You should trade or invest only “risk capital” – money you can afford to
    lose. Trading and investing involves high risk and you can lose the entire
    principal amount invested or more.

 4. All investments and trading strategies carry risk and all trading decisions
    made by a person remain the responsibility of that person. There is no
    guarantee that systems, indicators, or trading signals will result in
    profits or that they will not produce losses. Subscribers should fully
    understand all risks associated with any kind of trading or investing before
    engaging in such activities.

 5. Some profit examples are based on hypothetical or simulated trading. This
    means the trades are not actual trades and instead are hypothetical trades
    based on real market prices at the time the recommendation is disseminated.
    No actual money is invested, and no trades are executed. Hypothetical or
    simulated performance is not necessarily indicative of future results.
    Hypothetical performance results have many inherent limitations, some of
    which are described below. The hypothetical results do not include the costs
    of subscriptions, commissions, or other fees that may be charged. Because
    the trades underlying these examples have not actually been executed, the
    results may understate or overstate the impact of certain market factors,
    such as lack of liquidity. Simulated trading services in general are also
    designed with the benefit of hindsight, which may not be relevant to actual
    trading. In addition, hypothetical trading does not involve financial risk,
    and no hypothetical trading record can completely account for the impact of
    financial risk of actual trading. The Company makes no representations or
    warranties that any person will or is likely to achieve profits similar to
    those shown.

 6. No representation is being made that you will achieve profits or the same
    results as any person providing a testimonial. No representation is being
    made that any person providing a testimonial is likely to continue to
    experience profitable trading after the date on which the testimonial was
    provided, and in fact the person providing the testimonial may have
    experienced losses.  Any profit amount mentioned in a testimonial may be
    unrealized gains.

 7. The results and experiences described in the Services are not typical. Most
    people do not make a profit trading or investing; however, they still
    receive a financial education from the Services.  You cannot necessarily
    expect to achieve the results described in the Services and your results
    will vary depending on risk tolerance, amount of risk capital utilized, size
    of trading position and other factors. Any modification or change to a
    trading strategy can completely alter the results of a trade or investment.
    Oftentimes, persons ignore rules or risk parameters, and any such actions
    are taken entirely at the Subscriber’s own election and at the Subscriber’s
    own risk.

 8. Auto-trading, or any broker or adviser-directed type of trading, is not
    supported or endorsed by the Company. For additional information regarding
    auto-trading, you may visit the SEC’s website: All About Auto-Trading,
    https://www.sec.gov/reportspubs/investor-publications/
    investorpubsautotradinghtm.html. The Company does not recommend or refer
    subscribers to broker-dealers.  You should perform your own due diligence
    with respect to satisfactory broker-dealers and whether to open a brokerage
    account. You should always consult with your own professional advisers
    regarding equities, options on equities, and any other type of trading.

TERMS OF USE

Acceptance of These Terms of Service

Magnifi Communities (“Magnifi Communities,” “we,” “us,” or “our”) provides you
with articles, rankings and performance information pertaining to featured
stocks on our websites located at https://stocknews.com, https://wealthpop.com,
https://www.investorsalley.com/, https://profitabletrading.com/,
https://www.ino.com/ and https://get.allstarcharts.com/ (each, a “Site” and
collectively, the “Sites”).  You can use our Sites to access hosted coaching
sessions along with our coaches example trades and portfolios (our “Programs”). 
We also provide a newsletter that you can register to receive via email.  The
registration information can be found on the Sites.  We collectively refer to
your ability to browse the Sites, access the Programs and receive the
newsletter, including any updated or new features, functionality and technology
of any of the foregoing, as our “Service”. All access and use of the Service is
subject to the terms and conditions contained in these Terms of Service (as
amended from time to time, these “Terms of Service”).  You acknowledge that
certain Sites are subject to terms and conditions in addition to, or that vary
from, those specified in these Terms of Service.  For example, additional terms
are sometimes set out in the checkout where you purchase your access to our
Programs.  Such additional terms are called “Site Supplements”.  The terms and
conditions contained in any Site Supplement apply only to the particular Site on
which they are posted. By accepting and/or accessing the relevant Site or making
payment for the same, you agree to abide by the terms and conditions set forth
in all such Site Supplements.  Each Site Supplement forms an integral part of
these Terms of Service and is deemed to be incorporated herein; provided,
however, in the event of any conflict between the terms and conditions contained
in a Site Supplement and the terms and conditions of these Terms of Service, the
terms and conditions of these Terms of Service shall supersede and govern. By
accessing, browsing, or otherwise using the Sites, the Programs, the newsletter,
or any other aspect of the Service, you acknowledge that you have read,
understood, and agree to be bound by these Terms of Service. If you do not
accept the terms and conditions of these Terms of Service, you will not access,
browse, or otherwise use the Service.

We reserve the right, at our sole discretion, to change or modify portions of
these Terms of Service at any time. If we do this, we will post the changes on
this page and will indicate at the top of this page the date these Terms of
Service were last revised. You may read a current, effective copy of these Terms
of Service by visiting the “Terms of Service” link on the Sites. We will also
notify you of any material changes, either through the Service user interface, a
pop-up notice, email, or through other reasonable means. Your continued use of
the Service after the date any such changes become effective constitutes your
acceptance of the new Terms of Service. You should periodically visit this page
to review the current Terms of Service so you are aware of any revisions. If you
do not agree to abide by these or any future Terms of Service, you will not
access, browse, or use (or continue to access, browse, or use) the Service.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY, AS THEY CONTAIN AN AGREEMENT TO
ARBITRATE AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES,
AND OBLIGATIONS. THE AGREEMENT TO ARBITRATE REQUIRES (WITH LIMITED EXCEPTION)
THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION, AND
FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST MAGNIFI
COMMUNITIES ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY
CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, (2) YOU WILL ONLY BE PERMITTED TO
SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN
INDIVIDUAL BASIS, AND (3) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE
AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW.

Your Privacy: At Magnifi Communities, we respect the privacy of our users. For
more information please see our Privacy Policy, located at
[http://financialanswers.io/privacy/] (the “Privacy Policy”). By using the
Service, you consent to our collection, use and disclosure of personal data and
other data as outlined therein.

Access and Use of the Service

Service Description: The Service is designed to provide you with access to a
virtual community of stock traders that includes the ability to browse relevant
content, access the Programs and subscribe to our newsletter.

Your Registration Obligations: You may be required to register with Magnifi
Communities or provide information about yourself (e.g., name and email address)
in order to access and use certain features of the Service. If you choose to
register for the Service, you agree to provide and maintain true, accurate,
current, and complete information about yourself as prompted by the Service’s
registration form. Registration data and certain other information about you are
governed by our Privacy Policy. If you are under 13 years of age, you are not
authorized to use the Service, with or without registering. In addition, if you
are under 18 years old, you may use the Service, with or without registering,
only with the approval of your parent or guardian.

Member Account, Password and Security: You are responsible for maintaining the
confidentiality of your password and account details, if any, and are fully
responsible for any and all activities that occur under your password or
account. You agree to (a) immediately notify Magnifi Communities of any
unauthorized use of your password or account or any other breach of security,
and (b) ensure that you exit from your account at the end of each session when
accessing the Service. Magnifi Communities will not be liable for any loss or
damage arising from your failure to comply with this paragraph.

Modifications to Service: Magnifi Communities reserves the right to modify or
discontinue, temporarily or permanently, the Service (or any part thereof) with
or without notice. You agree that Magnifi Communities will not be liable to you
or to any third party for any modification, suspension or discontinuance of the
Service.

General Practices Regarding Use and Storage: You acknowledge that Magnifi
Communities may establish general practices and limits concerning use of the
Service, including the maximum period of time that data or other content will be
retained by the Service. You agree that Magnifi Communities has no
responsibility or liability for the deletion or failure to store any data or
other content maintained or uploaded by the Service. You acknowledge that
Magnifi Communities reserves the right to terminate accounts that are inactive
for an extended period of time. You further acknowledge that Magnifi Communities
reserves the right to change these general practices and limits at any time, in
its sole discretion, with or without notice.

Conditions of Access and Use

User Conduct: You are solely responsible for all code, video, images,
information, data, text, software, music, sound, photographs, graphics,
messages, and other materials (“content”) that you make available to Magnifi
Communities, including by uploading, posting, publishing, or displaying
(hereinafter, “upload(ing)”) via the Service or by emailing or otherwise making
available to other users of the Service (collectively, “User Content”) and you
agree not to use the Service or upload any User Content in a way that is illegal
or prohibited by Magnifi Communities. Magnifi Communities reserves the right to
investigate and take appropriate legal action against anyone who, in Magnifi
Communities’ sole discretion, violates this provision, including removing the
offending content from the Service, suspending or terminating the account of
such violators, and reporting the violator to law enforcement authorities.

Competitors: No employee, independent contractor, agent, or affiliate of any
competing virtual stock trading community is permitted to view, access, or use
any portion of the Service without express written permission from Magnifi
Communities. By viewing, using, or accessing the Service, you represent and
warrant that you are not a competitor of Magnifi Communities or any of its
affiliates, or acting on behalf of a competitor of Magnifi Communities in using
or accessing the Service.

Fees: To the extent the Service or any portion thereof is made available for any
fee, you may be required to select a payment plan and provide information
regarding your credit card or other payment instrument. You represent and
warrant to Magnifi Communities that such information is true and that you are
authorized to use the payment instrument. You will promptly update your account
information with Magnifi Communities or the Payment Processor (as defined
below), as applicable, of any changes (for example, a change in your billing
address or credit card expiration date) that may occur. You agree to pay Magnifi
Communities the amount that is specified in the payment plan in accordance with
the terms of such plan and these Terms of Service.  If your payment plan
includes an ongoing subscription that is automatically renewed periodically, you
hereby authorize Magnifi Communities (through the Payment Processor) to bill
your payment instrument in advance on such periodic basis in accordance with the
terms of the applicable payment plan until you terminate your account, and you
further agree to pay any charges so incurred. If you dispute any charges you
must let Magnifi Communities know within [sixty (60)] days after the date that
Magnifi Communities charges you. We reserve the right to change Magnifi
Communities’ prices. If Magnifi Communities does change prices, Magnifi
Communities will provide notice of the change through the Service user
interface, a pop-up notice, email, or through other reasonable means, at Magnifi
Communities’ option, at least [thirty (30)] days before the change is to take
effect. Your continued use of the Service after the price change becomes
effective constitutes your agreement to pay the changed amount. You will be
responsible for all taxes associated with the Service, other than taxes based on
Magnifi Communities’ net income.

Payment Processing: Notwithstanding any amounts owed to Magnifi Communities
hereunder, MAGNIFI COMMUNITIES DOES NOT PROCESS PAYMENT FOR ANY SERVICES. To
facilitate payment for the Service via bank account, credit card, or debit card,
we use a third-party payment processor (the, “Payment Processor”). These payment
processing services are provided by the Payment Processor and are subject to the
Payment Processor’s terms and conditions, privacy policy, and all other relevant
agreements (collectively, the “Payment Processor Agreements”). By agreeing to
these Terms of Service, users that use the payment functions of the Service also
agree to be bound by the Payment Processor Agreements, as the same may be
modified by the Payment Processor from time to time. You hereby authorize the
Payment Processor to store and continue billing your specified payment method
even after such payment method has expired, to avoid interruptions in payment
for your use of the Service. Please contact the Payment Processor for more
information. Magnifi Communities assumes no liability or responsibility for any
payments you make through the Service.

Refunds and Cancellations: Unless otherwise indicated on a Site Supplement,
payments made by you hereunder are final and non-refundable. You may cancel your
subscription online by emailing help@investorsalley.com. Please see Renewal
Policy and Refund Policy for Paid Subscription Services.

Performance Guarantees: In some cases, we may offer you a limited guarantee
around the performance of a particular Site (a “Performance Guarantee”).  If you
receive a Performance Guarantee, the terms and conditions of that Performance
Guarantee will be described on the applicable Site Supplement.  You expressly
acknowledge that the Performance Guarantee applies only to your personal access
and use of the applicable Site, and does not apply to your access and use of any
of the other Sites.  In the event that a Performance Guarantee is not met, you
may be eligible to receive a refund of all, or a portion, of the amounts paid by
you to access and use the Site for which the Performance Guarantee applies (the
“Eligible Refund”).  Your Eligible Refund will never exceed amounts paid by you
to access and use the Site for which the Performance Guarantee applies, and your
actual refund will ultimately be determined by the applicable Site Supplement. 
In no event will amounts paid by you for access to any of the other Sites be
considered within the scope of your Eligible Refund.

Lifetime Subscription Terms and Conditions: If you purchase a lifetime
subscription to a component of the Service (a “Lifetime Subscription”), you are
entitled to access such components covered by your online order for such
Lifetime Subscription (collectively, an “Order”) for as long as such components
of the Service are offered and supported by us. The Lifetime Subscription
applies only to such components of the Service defined in the applicable Order
and does not extend to any future services that may be developed or other
components of the Service. Lifetime Subscriptions are intended for private,
non-commercial use only. You may not assign, transfer or resell in any way
Lifetime Subscriptions to any other person or entity. We reserve the right to
revise the terms or make changes to the Lifetime Subscription, which will be
communicated in these Terms of Service.  Once you have purchased a Lifetime
Subscription, your membership will last until the earlier of 99 years or for as
long as we continue to offer the components of the Service for which you have
purchased a Lifetime Subscription, unless you earlier choose to cancel your
Service account in accordance with these Terms of Service or we discontinue
business operations related to the Services.  We make no warranties as to the
expected duration of access to the Lifetime Subscription. In receiving a
Lifetime Subscription, you acknowledge and agree that the components of the
Services for which you purchase a Lifetime Subscription could change or
terminate in the future.

Commercial Use: Unless otherwise expressly authorized herein or in the Service,
you agree not to display, distribute, license, sublicense, rent, perform,
publish, reproduce, duplicate, copy, create derivative works from, modify, sell,
resell, exploit, transfer, or upload for any commercial purposes, any portion of
the Service, use of the Service, or access to the Service. The Service is for
your personal use.

Mobile Services and Software

Mobile Services: The Service includes certain services that are available via a
mobile device, including the ability to browse the Service and the Sites from a
mobile device (collectively, the “Mobile Services”). To the extent you access
the Service through a mobile device, your wireless service carrier’s standard
charges, data rates, and other fees may apply. In addition, downloading,
installing, or using certain Mobile Services may be prohibited or restricted by
your carrier, and not all Mobile Services may work with all carriers or devices.
By using the Mobile Services, you agree that we may communicate with you
regarding Magnifi Communities and other entities by SMS, MMS, text message, or
other electronic means to your mobile device and that certain information about
your usage of the Mobile Services may be communicated to us. In the event you
change or deactivate your mobile telephone number, you agree to promptly update
your Magnifi Communities account information to ensure that your messages are
not sent to the person that acquires your old number.

Ownership; Restrictions: The technology and software underlying the Service or
distributed in connection therewith are the property of Magnifi Communities, its
affiliates, and its licensors (the “Software”). You agree not to copy, modify,
create a derivative work of, reverse engineer, reverse assemble, or otherwise
attempt to discover any source code, sell, assign, sublicense, or otherwise
transfer any right in the Software. Any rights not expressly granted herein are
reserved by Magnifi Communities.

Special Notice for International Use; Export Controls: Magnifi Communities is
headquartered in the United States. If you access or use the Service from
outside of the United States, you do so at your own risk. Whether inside or
outside of the United States, you are solely responsible for ensuring compliance
with the laws of your specific jurisdiction. Software available in connection
with the Service and the transmission of applicable data, if any, is subject to
United States export controls. No Software may be downloaded from the Service or
otherwise exported or re-exported in violation of U.S. export laws. Downloading
or using the Software is at your sole risk.

Intellectual Property Rights

Service Content: You acknowledge and agree that the Service may contain content
or features (“Service Content”) that are protected by copyright, patent,
trademark, trade secret, or other proprietary rights and laws. Except as
expressly authorized by Magnifi Communities, you agree not to modify, copy,
frame, scrape, rent, lease, loan, sell, distribute, or create derivative works
based on the Service or the Service Content, in whole or in part, except that
the foregoing does not apply to your own User Content (as defined below) that
you upload to or make available through the Service in accordance with these
Terms of Service. Any use of the Service or the Service Content other than as
specifically authorized herein is strictly prohibited.

Trademarks: The Stocknews.com, Wealthprop.com, Investorsalley.com,
Profitabletrading.com, INO.com, Allstarcharts.com and Magnifi Communities name
and logos displayed through the Service are trademarks and service marks of
Magnifi Communities (collectively the “Magnifi Communities Trademarks”). Other
Magnifi Communities, product, and service names and logos used and displayed via
the Service may be trademarks or service marks of their respective owners who
may or may not endorse or be affiliated with or connected to Magnifi
Communities. Nothing in these Terms of Service or the Service should be
construed as granting, by implication, estoppel, or otherwise, any license or
right to use any of Magnifi Communities Trademarks displayed on the Service,
without our prior written permission in each instance. All goodwill generated
from the use of Magnifi Communities Trademarks will inure to our exclusive
benefit.

Third-Party Material: Under no circumstances will Magnifi Communities be liable
in any way for any content or materials of any third parties (including users),
including for any errors or omissions in any content, or for any loss or damage
of any kind incurred as a result of the use of any such content. You acknowledge
that Magnifi Communities does not pre-screen content, but that Magnifi
Communities and its designees will have the right (but not the obligation) in
their sole discretion to refuse or remove any content that is available via the
Service. Without limiting the foregoing, Magnifi Communities and its designees
will have the right to remove any content that violates these Terms of Service
or is deemed by Magnifi Communities, in its sole discretion, to be otherwise
objectionable. You agree that you must evaluate, and bear all risks associated
with, the use of any content, including any reliance on the accuracy,
completeness, or usefulness of such content.

User Content: You represent and warrant that you own all right, title and
interest in and to such User Content, including all copyrights and rights of
publicity contained therein. You hereby grant Magnifi Communities and its
affiliated companies, successors, and assigns a non-exclusive, worldwide,
royalty-free, fully paid-up, transferable, sublicensable (directly and
indirectly through multiple tiers), perpetual, and irrevocable license to copy,
display, upload, perform, distribute, store, modify, and otherwise use your User
Content in connection with the operation of the Service and the promotion,
advertising or marketing of the foregoing in any form, medium or technology now
known or later developed. You assume all risk associated with your User Content
and the transmission of your User Content, and you have sole responsibility for
the accuracy, quality, legality and appropriateness of your User Content.

You hereby authorize Magnifi Communities and its third-party service providers
to derive statistical and usage data relating to your use of the Service (“Usage
Data”). We may use Usage Data for any purpose in accordance with applicable law
and our Privacy Policy.

Any questions, comments, suggestions, ideas, feedback, reviews, or other
information about the Service (“Submissions”), provided by you to Magnifi
Communities are non-confidential and Magnifi Communities will be entitled to the
unrestricted use and dissemination of these Submissions for any purpose,
commercial or otherwise, without acknowledgment, attribution, or compensation to
you.

You acknowledge and agree that Magnifi Communities may preserve User Content and
may also disclose User Content if required to do so by law or in the good faith
belief that such preservation or disclosure is reasonably necessary to: (a)
comply with legal process, applicable laws, or government requests; (b) enforce
these Terms of Service; (c) respond to claims that any content violates the
rights of third parties; or (d) protect the rights, property, or personal safety
of Magnifi Communities, its users, or the public. You understand that the
technical processing and transmission of the Service, including your User
Content, may involve (i) transmissions over various networks; and (ii) changes
to conform and adapt to technical requirements of connecting networks or
devices.

Third-Party Services and Websites

The Service may provide links or other access to services, sites, technology,
and resources that are provided or otherwise made available by third parties
(the “Third-Party Services”). Additionally, you may enable or log in to the
Service via various online Third-Party Services, such as social media and social
networking services like [Facebook or Twitter]. Your access and use of the
Third-Party Services may also be subject to additional terms and conditions,
privacy policies, or other agreements with such third party, and you may be
required to authenticate to or create separate accounts to use Third-Party
Services on the websites or via the technology platforms of their respective
providers. Some Third-Party Services will provide us with access to certain
information that you have provided to third parties, including through such
Third-Party Services, and we will use, store and disclose such information in
accordance with our Privacy Policy. For more information about the implications
of activating Third-Party Services and our use, storage and disclosure of
information related to you and your use of such Third-Party Services within the
Service, please see our Privacy Policy. Magnifi Communities has no control over
and is not responsible for such Third-Party Services, including for the
accuracy, availability, reliability, or completeness of information shared by or
available through Third-Party Services, or on the privacy practices of
Third-Party Services. We encourage you to review the privacy policies of the
third parties providing Third-Party Services prior to using such services. You,
and not Magnifi Communities, will be responsible for any and all costs and
charges associated with your use of any Third-Party Services. Magnifi
Communities enables these Third-Party Services merely as a convenience and the
integration or inclusion of such Third-Party Services does not imply an
endorsement or recommendation. Any dealings you have with third parties while
using the Service are between you and the third party. Magnifi Communities will
not be responsible or liable, directly or indirectly, for any damage or loss
caused or alleged to be caused by or in connection with use of or reliance on
any Third-Party Services.

Indemnification

You agree to defend, indemnify, and hold harmless Magnifi Communities, its
affiliates, and its and their respective officers, employees, directors, service
providers, licensors, and agents (collectively, the “Magnifi Communities
Parties”) from any and all losses, damages, expenses, including reasonable
attorneys’ fees, rights, claims, actions of any kind, and injury (including
death) arising out of or relating to your use of the Service, any User Content,
your connection to the Service, your violation of these Terms of Service, or
your violation of any rights of another. Notwithstanding the foregoing, you will
have no obligation to indemnify or hold harmless any Magnifi Communities Party
from or against any liability, losses, damages, or expenses incurred as a result
of any action or inaction of such Magnifi Communities Party. Magnifi Communities
will provide notice to you of any such claim, suit, or proceeding. Magnifi
Communities reserves the right to assume the exclusive defense and control of
any matter which is subject to indemnification under this section, and you agree
to cooperate with any reasonable requests assisting Magnifi Communities’ defense
of such matter. You may not settle or compromise any claim against the Magnifi
Communities Parties without Magnifi Communities’ written consent.

Financial Services Disclaimer

Nothing on or provided through the Service should be considered an offer,
solicitation of an offer, or advice to buy or sell securities. Any projections
or forecasts are hypothetical in nature and may not reflect actual future
performance.

You further understand that by using the Service, Magnifi Communities 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. If any of the information contained in or through the
waitlist process is deemed to be investment advice, such information is
impersonal and not tailored to the investment needs of any specific person. You
acknowledge that you are responsible for your own financial decisions.

You understand and acknowledge that there is a very high degree of risk involved
in trading securities. Factual statements provided through Magnifi Communities’
products or services, are made as of the date stated and are subject to change
without notice. It should not be assumed that the methods, techniques, or
indicators presented in these products or services will be profitable, or that
they will not result in losses.

Disclaimer of Warranties

YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS
IS” AND “AS AVAILABLE” BASIS. THE MAGNIFI COMMUNITIES PARTIES EXPRESSLY DISCLAIM
ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE,
AND NON-INFRINGEMENT.

THE MAGNIFI COMMUNITIES PARTIES MAKE NO WARRANTY THAT (A) THE SERVICE WILL MEET
YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR
ERROR-FREE; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE
WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES,
INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE
WILL MEET YOUR EXPECTATIONS.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE MAGNIFI COMMUNITIES PARTIES WILL NOT
BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY
DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING DAMAGES FOR LOSS OF GOODWILL,
USE, OR DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE MAGNIFI COMMUNITIES PARTIES
HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON
CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, RESULTING FROM: (A)
THE USE OR THE INABILITY TO USE THE SERVICE; (B) THE COST OF PROCUREMENT OF
SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR
SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO
THROUGH OR FROM THE SERVICE; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR
TRANSMISSIONS OR DATA; (D) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE
SERVICE; OR (E) ANY OTHER MATTER RELATING TO THE SERVICE. IN NO EVENT WILL THE
MAGNIFI COMMUNITIES PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR
CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID MAGNIFI COMMUNITIES IN THE LAST
SIX (6) MONTHS FOR ACCESS TO ALL SITES, OR, IF GREATER, ONE HUNDRED DOLLARS
($100).

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OR EXCLUSION OF CERTAIN
WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR
CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH
ABOVE MAY NOT APPLY TO YOU OR BE ENFORCEABLE WITH RESPECT TO YOU. IF YOU ARE
DISSATISFIED WITH ANY PORTION OF THE SERVICE OR WITH THESE TERMS OF SERVICE,
YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE.

IF YOU ARE A USER FROM NEW JERSEY, THE FOREGOING SECTIONS TITLED “DISCLAIMER OF
WARRANTIES” AND “LIMITATION OF LIABILITY” ARE INTENDED TO BE ONLY AS BROAD AS IS
PERMITTED UNDER THE LAWS OF THE STATE OF NEW JERSEY. IF ANY PORTION OF THESE
SECTIONS IS HELD TO BE INVALID UNDER THE LAWS OF THE STATE OF NEW JERSEY, THE
INVALIDITY OF SUCH PORTION WILL NOT AFFECT THE VALIDITY OF THE REMAINING
PORTIONS OF THE APPLICABLE SECTIONS.

Dispute Resolution By Binding Arbitration 

PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.

1. Agreement to Arbitrate

This Dispute Resolution by Binding Arbitration section is referred to in these
Terms of Service as the “Arbitration Agreement.” You agree that any and all
disputes or claims that have arisen or may arise between you and Magnifi
Communities, whether arising out of or relating to these Terms of Service
(including any alleged breach thereof), the Service, any advertising, or any
aspect of the relationship or transactions between us, will be resolved
exclusively through final and binding arbitration, rather than a court, in
accordance with the terms of this Arbitration Agreement, except that you may
assert individual claims in small claims court, if your claims qualify. Further,
this Arbitration Agreement does not preclude you from bringing issues to the
attention of federal, state, or local agencies, and such agencies can, if the
law allows, seek relief against us on your behalf. You agree that, by entering
into these Terms of Service, you and Magnifi Communities are each waiving the
right to a trial by jury or to participate in a class action. Your rights will
be determined by a neutral arbitrator, not a judge or jury. The Federal
Arbitration Act governs the interpretation and enforcement of this Arbitration
Agreement.

2. Prohibition of Class and Representative Actions and Non-Individualized Relief

YOU AND MAGNIFI COMMUNITIES AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE
OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY
PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND
MAGNIFI COMMUNITIES AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN
MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY
FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE
ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY
RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE
EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL
CLAIM(S), EXCEPT THAT YOU MAY PURSUE A CLAIM FOR AND THE ARBITRATOR MAY AWARD
PUBLIC INJUNCTIVE RELIEF UNDER APPLICABLE LAW TO THE EXTENT REQUIRED FOR THE
ENFORCEABILITY OF THIS PROVISION. 

3. Pre-Arbitration Dispute Resolution

Magnifi Communities is always interested in resolving disputes amicably and
efficiently, and most customer concerns can be resolved quickly and to the
customer’s satisfaction by emailing customer support for the applicable Site
listed below. If such efforts prove unsuccessful, a party who intends to seek
arbitration must first send to the other, by certified mail, a written Notice of
Dispute (“Notice”). The Notice to Magnifi Communities should be sent to
[customerservice@financialanswers.io] (“Notice Address”). The Notice must (i)
describe the nature and basis of the claim or dispute and (ii) set forth the
specific relief sought. If Magnifi Communities and you do not resolve the claim
within sixty (60) calendar days after the Notice is received, you or Magnifi
Communities may commence an arbitration proceeding. During the arbitration, the
amount of any settlement offer made by Magnifi Communities or you will not be
disclosed to the arbitrator until after the arbitrator determines the amount, if
any, to which you or Magnifi Communities is entitled.

 1. https://stocknews.com [contact@stocknews.com]
 2. https://wealthpop.com [support@adammesh.com]
 3. https://www.investorsalley.com/ [help@investorsalley.com]
 4. https://profitabletrading.com/ [support@adammesh.com]
 5. https://www.ino.com/ [https://www.ino.com/help/email.html]
 6. https://get.allstarcharts.com/ [info@allstarcharts.com]

4. Arbitration Procedures

Arbitration will be conducted by a neutral arbitrator in accordance with the
American Arbitration Association’s (“AAA”) rules and procedures, including the
AAA’s Consumer Arbitration Rules (collectively, the “AAA Rules”), as modified by
this Arbitration Agreement. For information on the AAA, please visit its
websites, http://www.adr.org. Information about the AAA Rules and fees for
consumer disputes can be found at the AAA’s consumer arbitration page,
https://www.adr.org/consumer. If there is any inconsistency between any term of
the AAA Rules and any term of this Arbitration Agreement, the applicable terms
of this Arbitration Agreement will control unless the arbitrator determines that
the application of the inconsistent Arbitration Agreement terms would not result
in a fundamentally fair arbitration. The arbitrator must also follow the
provisions of these Terms of Service as a court would. All issues are for the
arbitrator to decide, including issues relating to the scope, enforceability,
and arbitrability of this Arbitration Agreement. Although arbitration
proceedings are usually simpler and more streamlined than trials and other
judicial proceedings, the arbitrator can award the same damages and relief on an
individual basis that a court can award to an individual under these Terms of
Service and applicable law. Decisions by the arbitrator are enforceable in court
and may be overturned by a court only for very limited reasons.

Unless Magnifi Communities and you agree otherwise, any arbitration hearings
will take place in a reasonably convenient location for both parties with due
consideration of their ability to travel and other pertinent circumstances. If
the parties are unable to agree on a location, the determination will be made by
AAA. If your claim is for $10,000 or less, Magnifi Communities agrees that you
may choose whether the arbitration will be conducted solely on the basis of
documents submitted to the arbitrator, through a telephonic hearing, or by an
in-person hearing as established by the AAA Rules. If your claim exceeds
$10,000, the right to a hearing will be determined by the AAA Rules. Regardless
of the manner in which the arbitration is conducted, the arbitrator will issue a
reasoned written decision sufficient to explain the essential findings and
conclusions on which the award is based.

5. Costs of Arbitration

Payment of all filing, administration, and arbitrator fees (collectively, the
“Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided
in this Arbitration Agreement. If the value of the relief sought is $75,000 or
less, at your request, Magnifi Communities will pay all Arbitration Fees. If the
value of relief sought is more than $75,000 and you are able to demonstrate to
the arbitrator that you are economically unable to pay your portion of the
Arbitration Fees or if the arbitrator otherwise determines for any reason that
you should not be required to pay your portion of the Arbitration Fees, Magnifi
Communities will pay your portion of such fees. In addition, if you demonstrate
to the arbitrator that the costs of arbitration will be prohibitive as compared
to the costs of litigation, Magnifi Communities will pay as much of the
Arbitration Fees as the arbitrator deems necessary to prevent the arbitration
from being cost-prohibitive. Any payment of attorneys’ fees will be governed by
the AAA Rules.

6. Confidentiality

All aspects of the arbitration proceeding, and any ruling, decision, or award by
the arbitrator, will be strictly confidential for the benefit of all parties.

7. Severability

If a court or the arbitrator decides that any term or provision of this
Arbitration Agreement (other than the subsection (b) above titled “Prohibition
of Class and Representative Actions and Non-Individualized Relief” above) is
invalid or unenforceable, the parties agree to replace such term or provision
with a term or provision that is valid and enforceable and that comes closest to
expressing the intention of the invalid or unenforceable term or provision, and
this Arbitration Agreement will be enforceable as so modified. If a court or the
arbitrator decides that any of the provisions of subsection (b) above titled
“Prohibition of Class and Representative Actions and Non-Individualized Relief”
are invalid or unenforceable, then the entirety of this Arbitration Agreement
will be null and void, unless such provisions are deemed to be invalid or
unenforceable solely with respect to claims for public injunctive relief. The
remainder of these Terms of Service will continue to apply.

8. Future Changes to Arbitration Agreement

Notwithstanding any provision in these Terms of Service to the contrary, Magnifi
Communities agrees that if it makes any future change to this Arbitration
Agreement (other than a change to the Notice Address) while you are a user of
the Service, you may reject any such change by sending Magnifi Communities
written notice within thirty (30) calendar days of the change to the Notice
Address provided above. By rejecting any future change, you are agreeing that
you will arbitrate any dispute between us in accordance with the language of
this Arbitration Agreement as of the date you first accepted these Terms of
Service (or accepted any subsequent changes to these Terms of Service).

Termination

You agree that Magnifi Communities, in its sole discretion, may suspend or
terminate your account (or any part thereof) or use of the Service and remove
and discard any content within the Service, for any reason, including for lack
of use or if Magnifi Communities believes that you have violated or acted
inconsistently with the letter or spirit of these Terms of Service. Any
suspected fraudulent, abusive, or illegal activity that may be grounds for
termination of your use of the Service, may be referred to appropriate law
enforcement authorities. Magnifi Communities may also in its sole discretion and
at any time discontinue providing the Service, or any part thereof, with or
without notice. You agree that any termination of your access to the Service
under any provision of these Terms of Service may be effected without prior
notice, and acknowledge and agree that Magnifi Communities may immediately
deactivate or delete your account and all related information and files in your
account and/or bar any further access to such files or the Service. Further, you
agree that Magnifi Communities will not be liable to you or any third party for
any termination of your access to the Service.

User Disputes

You agree that you are solely responsible for your interactions with any other
user in connection with the Service, and Magnifi Communities will have no
liability or responsibility with respect thereto. Magnifi Communities reserves
the right, but has no obligation, to become involved in any way with disputes
between you and any other user of the Service.

General

These Terms of Service (together with the terms incorporated by reference
herein) constitute the entire agreement between you and Magnifi Communities
governing your access and use of the Service, and supersede any prior agreements
between you and Magnifi Communities with respect to the Service. You also may be
subject to additional terms and conditions that may apply when you use
Third-Party Services, third-party content or third-party software. These Terms
of Service will be governed by the laws of the State of New York without regard
to its conflict of law provisions. With respect to any disputes or claims not
subject to arbitration, as set forth above, you and Magnifi Communities submit
to the personal and exclusive jurisdiction of the state and federal courts
located within New York, New York. The failure of Magnifi Communities to
exercise or enforce any right or provision of these Terms of Service will not
constitute a waiver of such right or provision. If any provision of these Terms
of Service is found by a court of competent jurisdiction to be invalid, the
parties nevertheless agree that the court should endeavor to give effect to the
parties’ intentions as reflected in the provision, and the other provisions of
these Terms of Service remain in full force and effect. You agree that
regardless of any statute or law to the contrary, any claim or cause of action
arising out of or related to use of the Service or these Terms of Service must
be filed within one (1) year after such claim or cause of action arose or be
forever barred. A printed version of these Terms of Service and of any notice
given in electronic form will be admissible in judicial or administrative
proceedings based upon or relating to these Terms of Service to the same extent
and subject to the same conditions as other business documents and records
originally generated and maintained in printed form. You may not assign these
Terms of Service without the prior written consent of Magnifi Communities, but
Magnifi Communities may assign or transfer these Terms of Service, in whole or
in part, without restriction. The section titles in these Terms of Service are
for convenience only and have no legal or contractual effect. As used in these
Terms of Service, the words “include” and “including,” and variations thereof,
will not be deemed to be terms of limitation, but rather will be deemed to be
followed by the words “without limitation.” Notices to you may be made via
either email or regular mail. The Service may also provide notices to you of
changes to these Terms of Service or other matters by displaying notices or
links to notices generally on the Service. Magnifi Communities will not be in
default hereunder by reason of any failure or delay in the performance of its
obligations where such failure or delay is due to civil disturbances, riot,
epidemic, hostilities, war, terrorist attack, embargo, natural disaster, acts of
God, flood, fire, sabotage, fluctuations or unavailability of electrical power,
network access or equipment, or any other circumstances or causes beyond Magnifi
Communities’ reasonable control.

Notice for California Users

Under California Civil Code Section 1789.3, users of the Service from California
are entitled to the following specific consumer rights notice: The Complaint
Assistance Unit of the Division of Consumer Services of the California
Department of Consumer Affairs may be contacted (a) via email at dca@dca.ca.gov;
(b) in writing at: Department of Consumer Affairs, Consumer Information
Division, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834; or (c) by
telephone at (800) 952-5210 or (800) 326-2297 (TDD). Sacramento-area consumers
may call (916) 445-1254 or (916) 928-1227 (TDD). You may contact us at [Magnifi
Communities, Inc.], [1 Penn Plaza, 39th Floor, New York, NY 10119 or (646) 659
1252].

Questions? Concerns? Suggestions? 
Please contact us at [customerservice@financialanswers.io or 1 Penn Plaza, 39th
Floor, New York, NY 10119] to report any violations of these Terms of Service or
to pose any questions regarding these Terms of Service or the Service.



COPYRIGHT INFORMATION

The Company’s Websites, along with all information contained within the
Company’s Websites, are the property of the Company and are protected under
copyright. Any reproducing, distribution, modification or copying (including,
but not limited to, posting such materials to news groups and message boards) of
the Company’s materials are prohibited without the prior written consent of the
Company; provided, however, that you are permitted to download or print a single
copy for yourself for personal offline viewing and you may also provide a
hypertext link to the Company’s Websites or any article or page within such
websites.

The Company reserves the right to republish the material contributed by its
readers. By sending an e-mail with feedback, comments, suggestions, or criticism
(including, but limited to, feedback received on the feedback page), you
expressly grant the Company the right to republish or sell the comments and
message you provide as part of its edited compilations. The Company will provide
proper attribution to the author for any post or e-mail it republishes, however
you acknowledge that the Company receives permanent and transferable rights to
any such content.

If you are interested in using the Company’s content in a non-personal manner,
for example syndication or republishing to your own website, newsletter, or
other such publication please contact subscriber@investorsalley.com.

TRADING RESTRICTION COMPLIANCE AND FULL DISCLOSURE

The Company has a robust and enforceable trading restriction policy that applies
and is agreed to by all editors, analysts, and traders for publications or any
other content produced by the Company, whether for content that is purchase or
freely available, and that applies to other individuals identified by the
Company in its sole discretion. These individuals shall be referred to as
“covered persons.”

Our trading restrictions apply to all covered persons and apply to the initial
coverage of all stocks within newsletters and services published by the Company,
with the exception of the stocks in automatically generated reports in the
Investors Alley Stock Ratings service.

When an editor or analyst has decided to begin coverage of a stock for inclusion
in a paid subscription newsletter or service that stock will be placed on a
Restricted Trades List which will be maintained by a designated trading
compliance officer within the Company. Covered persons will be barred from
initiating any transactions with such security immediately upon such stock being
placed on the Restricted Trades List for seven full trading days after the date
on which the paid subscription newsletter or service is published with content
about such stock.

Covered persons must immediately disclose any personal holdings in stocks placed
on the Restricted Trades List.

Covered persons cannot buy or sell shares for seven full trading days after the
publication of any initial report in any paid subscription newsletter or service
on a stock. As many stocks are mentioned in update issues and alerts, the buy
and sell restriction applies only to the initial research to recommend a
transaction with the stock as part of a paid subscription newsletter or service.

Providing advance notice of inclusion or initiation of coverage of a stock to
non-employees of or contractors working on the behalf of the Company is
forbidden.

The Company will make every reasonable effort to inform subscribers of paid
subscription newsletters and services of any positions in stocks held by covered
persons that are recommended in said paid subscription newsletters and services.
In the case where it is the editor or analyst of that paid subscription
newsletter or service this person will be identified as holding a position in
the stock mentioned. In the case where is another covered person or persons
other than the editor or analyst of said paid subscription newsletter or service
such position shall be disclosed without providing personally identifiable
information about that person or persons.

RENEWAL POLICY AND REFUND POLICY FOR PAID SUBSCRIPTION SERVICES

This Section does not apply to one-time purchases of special research reports or
any other products that are not subscription services. All sales for the
aforementioned products are final without refund.

This section describes the subscription renewal policy and refund policy
(collectively, the “Policy”) of Investors Alley Corp. (the “Company”) for paid
subscription services you purchase from the Company. In the event that such
content originates from a third party and is resold by the Company, the
Company’s policy shall at all times and in all places supersede any other
renewal policy and refund policy of any third party whether stated or not.

Click here to cancel your subscription.

Renewal Policy for Automatically Renewing Subscriptions


This section describes the subscription renewal policy and refund policy of
Investors Alley Corp. for paid subscription services you purchase from us. In
the event that such content originates from a third-party and is resold by
Investors Alley, our policy shall at all times and in all places supersede any
other renewal policy and refund policy of any third-party whether stated or not.

This section does not apply to one-time purchases of special research reports or
any other products that are not subscription services.  All sales for the
aforementioned reports and products are final without refund.

Renewal Policy & Maintenance Fee for Automatically Renewing Subscriptions

Your subscription will continue for the period referenced during registration
(the “Term”), and renew automatically at the end of the Term (a “Renewal Term”).
The Initial Term and any Renewal Term thereafter shall be collectively referred
to as the “Term”. The Company will charge or debit your payment method at the
beginning of the Term. Unless you cancel your subscription in accordance with
this Policy, the then-applicable rate for your subscription will be billed
automatically. When we renew your subscription, we will use the payment method
currently associated with your account.

The Company may, in its sole discretion, provide may you with advance
notification of an impending renewal of your subscription.

Unless purchased and billed as a bundle or group of products, each subscription
from the Company will be billed and renewed separately as independent financial
transactions, each subject to the then-current terms, pricing and refund policy
as outlined when you subscribed for such products.

In connection with recurring billing for subscription renewals, you authorize
the Company, its subsidiaries, or third parties contracted by the Company to
provide services to you to bill your credit or debit card account number,
regardless of whether the other information associated with your subscription
has changed, including, but not limited to, the expiration date of the physical
card with which you subscribed. We may receive updated information about your
account from the financial institution issuing your credit or debit card. You
agree to pay all fees and charges incurred in connection with your user name,
member name and password (including any applicable taxes) at the rates in effect
when the charges were incurred. You agree to pay all amounts due upon our
demand. In the event we have to collect unpaid amounts you owe us, you will be
liable for all of our attorneys’ and collection agency fees.

Cancellation Policy

Investors Alley subscriptions are set to auto-renew by default.  You will
receive an email at least seven (7) days before the automatic renewal occurs.
 If we do not hear from you at least two (2) business days before it is due to
renew, your credit card will be charged.

If you do not wish to have your subscription renew or if you would like to
cancel a trial subscription, you must request cancellation at least two (2)
business days before the subscription is set to renew or trial period expires.

Click here to cancel your subscription.

Billing Terms & Refund Policy

Our refund policy varies for each publication, service, and product.  Specific
billing and offer terms are outlined on the original form you filled out when
you became a subscriber.  Many of our subscriptions are non-refundable and
others carry a cancellation fee, so please make sure you are aware of your
specific policy. A chart may be viewed below detailing each product’s refund
policy:

Products billed quarterly: full refund during the first 60 days  of the first
billed quarter

Products billed monthly: no refund

All of the Company’s subscription products come with a refund policy in effect
from the moment you purchase your subscription.

If you receive a full or partial refund for a particular publication/service, no
future refunds will be issued for that publication/service at any point should
you remain a subscriber or wish to resubscribe.  Subsequent subscriptions to the
same product or publication are non-refundable.

We reserve the right to terminate your paid or unpaid subscriptions and access
to our web sites at any time without notice.  If we terminate a paid
subscription of a fixed term and provided you have not breached our Terms of
Service, we will refund the unused portion of your subscription fee.

Any refund due will be returned to the original debit or credit card used for
the purchase.  It may take up to 10 business days after the refund is issued for
it to show up on your credit card statement.  On occasion, your issuing credit
card bank, in their sole discretion, may delay the processing of refunds.

All refunds initiated by the Company, whether full or partial, shall be paid in
U.S. dollars. If you reside outside the United States your card issuer may
convert your refund to your local currency at whatever exchange rates it has in
effect at such time. You are advised to consult your card issuer prior to
initiating a refund.

Your subscription will be considered cancelled and access to your subscription
and the web site will be discontinued once your subscription amount has been
refunded by the Company, regardless of the actual date you receive any proceeds
from the refund.

Sales/Use Tax

Investors Alley does not currently collect sales tax for subscriptions. However,
due to changes in legislation, we may soon be required to charge sales tax for
residents in certain states in which we do business. Such sales tax may be
applied to your subscription and/or maintenance fees at any time and without
notice.

Some states and local jurisdictions impose a use tax on products a consumer
purchases from out-of-state vendors when the vendor has not collected the tax.
 Therefore, you may be responsible for reporting and remitting your state’s use
tax directly to your state’s tax agency. The specifics of this tax can vary
greatly, and you are encouraged to contact your state or local tax agency or
your tax advisor on your use tax obligations.

If you ever have any questions about your subscription or our terms, please
email help@investorsalley.com or call 1-855-566-6100 (1-212-566-6100 if outside
US/Canada) during normal business hours.


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Information contained in this email and websites maintained by Magnifi
Communities LLC are provided for educational purposes only and are neither an
offer provided for educational purposes only and are neither an offer nor a
recommendation to buy or sell any security, options on equities, or
cryptocurrency. Magnifi Communities LLC and its affiliates may hold a position
in any of the companies mentioned. Magnifi Communities LLC is neither a
registered investment adviser nor a broker-dealer and does not provide
customized or personalized recommendations. Any one-on-one coaching or similar
products or services offered by or through Magnifi Communities LLC does not
provide or constitute personal advice, does not take into consideration and is
not based on the unique or specific needs, objectives or financial circumstances
of any person, and is intended for education purposes only. Past performance is
not necessarily indicative of future results. No trading strategy is risk free.
Trading and investing involve substantial risk, and you may lose the entire
amount of your principal investment or more. You should trade or invest only
“risk capital” - money you can afford to lose. Trading and investing is not
appropriate for everyone. We urge you to conduct your own research and due
diligence and obtain professional advice from your personal financial adviser or
investment broker before making any investment decision.

Investors Alley, a division of TIFIN Group LLC, is affiliated with Magnifi via
common ownership. Investors Alley will receive cash compensation for referrals
of clients who open accounts with Magnifi.

Magnifi LLC does not charge advisory fees or transaction fees for non-managed
accounts. Clients who elect to have Magnifi LLC manage all or a portion of their
account will be charged an advisory fee. Magnifi LLC receives compensation from
product sponsors related to recommendations. Other fees and charges may apply.

Diversification does not guarantee a profit or protect against a loss in a
declining market. It is a method used to help manage investment risk.

Mutual Funds and Exchange Traded Funds (ETFs) are sold by prospectus. Please
consider the investment objectives, risks, charges, and expenses carefully
before investing. The prospectus, which contains this and other information
about the investment company, can be obtained from the Fund Company or your
financial professional. Be sure to read the prospectus carefully before deciding
whether to invest.
Copyright © 2023 Magnifi Communities LLC.

250 W 34th St, Ste 3910, NY NY 10119





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