Terms & Conditions

Last Updated: August 18, 2022

DIYwealth is a publication of DIYwealth, LLC. These are the terms and conditions which apply to your subscription/s to DIYwealth, LLC publications (both free and paid, online and hard copy), conference and seminars, the purchase of conference and seminar materials, products, and your use of the websites provided by DIYwealth, LLC (together, the “Services”).

By using or purchasing our Services you agree to be bound by these terms and conditions and they shall constitute the entire agreement between you and DIYwealth, LLC (the “Agreement”).

We reserve the right to change, update or modify this Terms of Use at any time at our sole discretion, and will post any new Terms of Use here. The “Last Updated” date at the top of this page indicates when this Terms of Use was last revised. Any such change, update or modification will be effective immediately upon posting on our websites. If we deem any changes material (in our sole discretion), we may notify you by email at the email address that we have on record for you in addition to posting updates to this Terms of Use. You are responsible for checking our websites frequently to keep apprised of recent changes.

Advice

The advice we provide is published generally, is not personal to you and does not take account of your personal circumstances. We do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability or appetite for risk.

DIYwealth does not act as an investment advisor or advocate the purchase or sale of any security or investment. DIYwealth expressly forbids its writers from having a financial interest in any security recommended to its readers. All of our employees and agents must wait 24 hours after an Internet publication prior to following a recommendation. And for hard-copy-only publications, 72 hours after the publication is mailed.

If you need guidance on interpreting our advice in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional. You should also interpret our advice in light of the risk warnings that are contained within it.

Subscribers should be aware that investment markets have inherent risks and there can be no guarantee of future profits. Likewise, past performance does not assure future results. Recommendations are subject to change at any time.

The testimonials presented by DIYwealth are the words of real subscribers that we received in letters, emails, and other user feedback. The results presented in those testimonials are applicable to the individuals depicted only and may not be representative of the experience of others. The testimonials are not paid and are not indicative of future performance or success of any other individual.

Dow Jones Index Terms and Conditions: The DIYwealth websites may display delayed intraday DJIA data. To view their terms and conditions click here.

Barchart Market Data Solutions Disclaimer: Delayed Market Data provided by Barchart Market Data Solutions. Information is provided ‘as is’ and solely for informational purposes, not for trading purposes or advice, and is delayed. To see all exchange delays and terms of use, please see their disclaimer.

Charges

Your order will be processed in 3-5 business days from the date it was placed.

If your order is on backorder, you will be notified. The order will be processed once the item is back in stock.

The transaction will be reflected on your card statement as PSV* followed by the name of your subscription.

Shipping fees and options, where applicable, are clearly disclosed on your order form at the time of purchase.

Sales Tax Information: DIYwealth is registered in the states listed below and is therefore required to collect sales tax on items sold to customers in these states, to the extent the items are taxable. Whether or not an item is taxable depends upon the laws in effect in the state.

AL Alabama
AR Arkansas
CA California
CAN Canada
CO Colorado
CT Connecticut
DC Washington, D.C.
FL Florida
GA Georgia
HI Hawaii
IA Iowa
ID Idaho
IL Illinois
IN Indiana
KY Kentucky
LA Louisiana
MA Massachusetts
MD Maryland
ME Maine
MI Michigan
MN Minnesota
MS Mississipi
NC North Carolina
ND North Dakota
NE Nebraska
NJ New Jersey
NM New Mexico
NV Nevada
NY New York
OK Oklahoma
PA Pennsylvania
RI Rhode Island
SC South Carolina
SD South Dakota
TN Tennessee
UT Utah
VA Virginia
VT Vermont
WA Washington
WI Wisconsin
WV West Virginia
WY Wyoming

Sales tax is generally calculated on the total selling price of each item. Depending upon the state’s tax laws, the total selling price of the item may include shipping and handling charges.

Although tax is not required to be collected in states where DIYwealth is not registered, this does not necessarily mean the transaction is not subject to sales tax. Purchases may be subject to use tax which must be remitted directly to the state by the customer purchasing the item. Purchases are not exempt from sales tax solely because they are purchased on the internet, by catalog or by other remote means.

Please contact the tax authorities in your state for additional information about your responsibilities for remitting use tax. Links to all the states’ tax administrative agencies can be found at https://www.taxadmin.org/state-tax-agencies.

Please note that amount of estimated tax appearing on an order may differ from the sales taxes ultimately charged at the time of credit card authorization.

A sales tax rate calculator can accessed from http://thestc.com/. You should use the Use Tax rate when calculating the tax to include on your order payment.

If you are unsure if the product you are purchasing is taxable, please contact Customer Service at 1.561.299.1226 and specify you are ordering by check and need to determine tax. A qualified DIYwealth Customer Service agent is available to quickly and easily assist.

Once you have determine the correct tax associated with your order follow the instructions and mail the order form and check to the associated DIYwealth address.

Confirmation of Your Order

If you order one of our own Services, within two working days of your order you will be sent an email which confirms receipt of your order. It will not contain the payment details provided by you.

In the event the payment method you provided fails, a customer service representative will contact you by telephone (if you have supplied your number) or by email or letter, to check the details you have supplied, and re-try the authorization process. Again, if we contact you by email or letter, our correspondence will not contain any payment details.

Ending a Subscription 

We are entitled to terminate your paid or unpaid subscriptions and access to our Websites at any time without notice. Provided you have not breached these terms and conditions, if we terminate a paid subscription of a fixed term we will refund the unused portion of your subscription fee.

If you wish to cancel your subscription, you may contact customer service at contact@diywealth.com OR call 1.561.299.1226 between 9am and 5pm EDT.

The refund and credit policy applicable to your purchase can be found on your order form and in your confirmation email. Prorated refunds are available unless otherwise stated.

Refunds are processed within 14 days of receipt of your request to cancel your subscription.

Reliance on Content

Content in our publications is for general information only and is not intended to be relied upon by users in making (or not making) specific investment decisions. We try to ensure that the content of our Services is up to date and accurate, but we do not guarantee the accuracy of the information. We urge customers to perform their own due diligence. 

We do everything in our power to ensure that our websites are fully operational and available to you at all times. However, in order to make sure they are up to date and offering you the best service, access may sometimes be interrupted or restricted to allow for maintenance or the introduction of new facilities and services.

Copyright and Trademarks 

Copyright in all information, text and images featured in the Services, is owned by or licensed to DIYwealth, LLC (“Our Content”). Provided that you acknowledge us as the source of the information, you are entitled to save or download one copy of any of Our Content for the purposes of reference, but you are not entitled to make any further copies of the work. The recommendations and analysis presented to members is for the exclusive use of members. Copying or disseminating any information published by DIYwealth, electronic or otherwise is strictly prohibited.

All property rights remain with DIYwealth, LLC. Other than as provided in these terms and conditions, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, or use for any public or commercial purpose any of Our Content without our prior written permission.

Breach of These Terms and Conditions 

We have the right, but not the obligation, to monitor any activity and content associated with the Services. We may investigate any reported violation of these terms and conditions and take any action that we deem appropriate. This may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access to and use of the Services. 

This Agreement shall be governed by and construed in accordance with the laws of the State of Maryland, United States of America, without regard to choice or conflicts of law principles. Further, you agree to the jurisdiction of the courts of the United States District of Maryland to resolve any dispute, claim or controversy that relates or arises in connection with the Agreements.

If you have any questions or concerns please contact our Customer Service team.

Address:

DIYwealth, LLC
1217 St. Paul St.
Baltimore, MD 21202

Phone: +1.561.299.1226

Categories of Sources

We collect this personal information from the following categories of sources:

  • Consumers

  • Service providers

  • Affiliates in our group companies

  • Consumer data resellers

Why We Collect, Use, and Share California Information

We use and disclose the personal information we collect for our commercial and business purposes as set out in this privacy policy. These commercial and business purposes include, without limitation:

  • Our commercial purposes, including marketing, advertising, and enabling commercial transactions.

  • Our business purposes as identified in the CCPA, which include:

    • Auditing related to our interactions with you

    • Legal compliance

    • Detecting and protecting against security incidents, fraud, and illegal activity

    • Debugging

    • Performing services (for us or our service provider) such as account servicing, processing orders and payments, and analytics

    • Internal research for technological improvement

    • Internal operations

    • Activities to maintain and improve our services

    • Other one-time uses

Recipients of California Personal Information

We sell the categories of personal information listed above to the categories of third parties listed below:

  • Service providers

  • Affiliates in our group companies

  • Consumer data resellers

We disclose the categories of personal information listed above to the categories of third parties listed below for business purposes:

  • Service providers

  • Affiliates in our group companies

  • Advertising networks and consumer data resellers

  • Internet service providers

  • Data analytics providers

  • Operating systems and platforms

  • Social networks

  • Government entities, if required to do so

Your Rights Regarding Personal Information

California residents have certain rights with respect to the personal information collected by businesses. If you are a California resident, you may exercise the following rights regarding your personal information, subject to certain exceptions and limitations:

  • The right to know the categories and specific pieces of personal information we collect, use, disclose, and sell about you; the categories of sources from which we collected your personal information; our purposes for collecting or selling your personal information; the categories of your personal information that we have either sold or disclosed for a business purpose; and the categories of third parties with which we have shared personal information.

  • The right to request that we delete the personal information we have collected from you or maintain about you.

  • The right to opt out of our sale(s) of your personal information. Please note that if you opt out of certain types of sales, we will be unable to provide you with the services that rely on such sales.

  • The right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.

To exercise any of the above rights, please contact us as follows:

  • By phone at +1.561.299.1226

  • By email at contact@diywealth.com. Please include the subject line: “Do Not Sell My Info”

Verification Process and Authorized Agents

We may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled. At a minimum you will need to provide your name and email address.

You may designate an authorized agent to make a CCPA request on your behalf by informing our customer service team. You will need to provide your name and address, your agent’s name and address, and a copy of the document by which you appointed the agent. 

Data Security and Integrity

DIYwealth has reasonable security policies and procedures in place to protect personal information within our organization from unauthorized loss, misuse, alteration or destruction. Unfortunately, security cannot be absolutely guaranteed against all threats. Please be advised that we may use third-party cloud service providers that provide hosting, data storage and other services pursuant to standard terms and conditions that may be non-negotiable; these service providers have informed us or the general public that they apply security measures they consider adequate for the protection of information within their systems, or they have a general reputation for applying such measures. You can further help to ensure your security by taking a few simple precautions. Do not include any personal information in any username or password or in any chat group or message board that you access through the Services. In addition, in order to protect against unauthorized access to your computer and to any DIYwealth username and password, you should sign off when you are finished using a shared computer, and not share your DIYwealth username and password. If you have reason to believe that your interaction with us is no longer secure, you are required to notify us in accordance with the “Contact” section below.

Cross-Border Transfer

Our online services are U.S.-based and are controlled, operated, and administered from offices within the United States, and are made available to you on an unsolicited basis, without any marketing or promotion by DIYwealth regarding these online services to persons or entities outside the U.S. This Privacy Policy is provided in accordance with and subject to applicable U.S. law. If you decide to continue to access our online services from your location outside the U.S., you hereby agree that your use of those services is subject to this Privacy Policy and your personal information will be transferred or processed in the U.S.

Minors’ Right to Opt In

We do not knowingly sell the personal information of minors under 16 years of age.

Contact for More Information

If you have any questions or concerns about our use of your personal information, please contact us our Customer Service team at contact@diywealth.com.

Mailing Address:
DIYwealth, LLC
1217 St. Paul St.
Baltimore, MD, USA 21202

Phone: +1.561.299.1226