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It is understood that Business Financial Publishing (hereinafter referred to as 'BFP', 'our,' or 'we') , publisher of SmallCapInvestor.com, is an investment newsletter publishing company. It is also understood that Users of the web site (hereinafter referred to as 'Users', 'Subscribers', or 'you') operated by BFP are interested in, and seeking information relating to publicly traded securities in the U.S. and elsewhere.

By visiting BFP's web site(s) , Users agree to the Terms & Conditions outlined within our Terms of Use Agreement, Privacy Policy and Email Policy. It is the Users responsibility to read and understand these three BFP documents (Terms of Use Agreement, Privacy Policy, and Email Policy) prior to reviewing any information from BFP, signing up for any free or paid subscription-based service, or submitting any personal information to our firm.

This web site and the materials and information on this web site are provided by BFP and may be used for informational purposes only. By using this web site, you represent that you have read and understand these terms and conditions and agree to be bound by these terms and conditions. Furthermore, by using this web site, you represent that (i) you have the capacity to be bound by these terms and conditions and (ii) if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity. If you do not agree to these terms and conditions, do not use this web site or download any materials from this web site.
BFP may amend or revise these terms and conditions at any time. By using this web site, you agree to be bound by these terms and conditions as in effect from time to time. Please review these terms and conditions regularly.

Informational Purposes of Content

BFP is a financial and investment content publisher. BFP is neither a registered investment advisor, broker/dealer, nor a research analyst/organization. Users are advised that this electronic publication is issued solely for information purposes and should not to be construed as an offer to sell or the solicitation of an offer to buy any security. Users are advised to consult with their own independent financial advisors with respect to any investment. All information published by BFP should be independently verified.

Disclaimer

The opinions and statements included herein are based on sources believed to be reliable and in good faith, but no representation or warranty, express or implied, is made as to their accuracy, completeness or correctness. We have not independently verified the information contained herein. This information is not intended to be used as the sole basis of any investment decisions, nor should it be construed as advice designed to meet the investment needs of any particular investor. We encourage you to consult with independent financial advisors with respect to any investment in the securities mentioned herein.
You should review a complete information package on all companies, which should include, but not be limited to, the Company's annual report, quarterly reports, press releases and all regulatory filings. All information contained in this profile should be independently verified with the subject company. The foregoing discussion contains forward-looking statements, which are based on current expectations, estimates and projections, and differences from such expectations, estimates and projections can be expected. BFP does not purport to be a complete analysis of every material fact respecting any company, industry, or security.
Any opinions expressed on this site are statements of judgment as of the date of publication and are subject to change without further notice, and may not necessarily be reprinted in future publications or elsewhere. Neither BFP nor its members, managers, officers, or employees/consultants accept any liability whatsoever for any direct or consequential loss arising from any use of its publications or their contents.

Subscription Services

Certain articles of content provided by BFP require registration or a paid subscription in order for users to have access to this information. This includes but is not limited to SmallCapInvestor.com or its ancillary newsletter publications. Users who register for paid subscription services provided by BFP agree to a) provide truthful and accurate information regarding their identity requested in user registration forms, b) on an ongoing basis update user information in order to keep it accurate at all times.

Users understand that the information contained and provided by BFP is copyrighted material and as such will not be provided to any third party without the prior written consent of BFP.

Payment and Subscription Renewal

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Subscriptions will automatically renew at the end of the initial subscription period, and users will be billed for the future billing period at the time of renewal, unless otherwise specified at the registration form. Users agree to pay all fees and charges in connection with subscription to a paid BFP service, including any applicable taxes. Users understand that subscription rates and fees are subject to change, and that notice of such a change will be posted on the SmallCapInvestor.com web site. A user's failure to cancel a subscription could result in that user being billed according to the new billing plan once it goes into affect.

Cancellation and Refund Policy

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Cancellation will take effect within ten business days of the date of cancellation request. In the event that a subscriber cancels a subscription prior to the end of their current billing period AND requests a refund, the subscriber will be refunded the portion for the balance of their subscription period on a pro-rated basis, rounded up to the current month. Subscribers agree not to dispute refunds with BFP or their personal credit card companies or banks.

Ownership of Materials

Except as otherwise indicated, this web site and its entire contents (collectively, the 'Materials') , including, but not limited to, the text, information, material, software and graphics contained on this web site, are owned by BFP, and its affiliates. The Materials are protected by copyright, trademark, and other intellectual property laws and treaties. BFP makes no proprietary claim to any third party names, trademarks or service marks appearing on this web site. Any third party names, trademarks, and service marks are the properties of their respective owners. Except as provided in the next sentence, the Materials may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted, or distributed in any way, without BFP's prior written permission. You may download one (1) copy of the Materials on a single computer only for your personal, non-commercial, internal use. You may not (i) modify the Materials or use them for any commercial purpose, or any other public display, performance, sale, or rental, (ii) decompile, reverse engineer, or disassemble software materials, (iii) remove any copyright notice or other proprietary notices from the Materials, or (iv) transfer the materials to another person.
By posting a message or contributing in any way to this web site, including, but not limited to, sending comments and email, to this web site, you expressly grant BFP the right to use in any way, copy, republish, or sell your message or other contribution as part of its property. We reserve the right to change, update, discontinue, or restrict or prevent access to this web site or the Materials at any time without notice.

Indemnification

Subscribers agree to indemnify and hold BFP, its employees, its officers, and its agents harmless from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from member's use of this Web site or from member's violation of this Agreement or any third party's rights including but not limited to copyright, property, and privacy rights. This indemnification and hold harmless obligation will survive this Agreement and member's use of this Web site.

Links to Third Party Web Sites

This Web site contains hyperlinks to other web sites operated by parties other than BFP, and other resources and advertisers. Such hyperlinks are provided for member's reference only. BFP is not responsible for the availability of these external sites nor is it responsible for any of the contents, advertising, products, or other materials on such external sites. BFP inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators. Under no circumstances shall BFP be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused in connection with the use of or reliance on any content, goods, or services available on such external site. Any concerns regarding any external link should be directed to its respective site administrator or webmaster.

Should you have any questions regarding our Terms of Use Agreement or other related issues, please contact us so that we can address your concerns.

Business Financial Publishing, LLC
c/o SmallCapInvestor.com
611 Pennsylvania Avenue SE, #417
Washington DC 20003
Toll Free: 866-447-8625
Phone: 202-986-6333
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Email: service@smallcapinvestor.com