Disclaimer

This website is operated by Humble Student of the Markets, Inc. The terms “we”, “us”, and “our” refer to Humble Student of the Markets, Inc and HumbleStudentoftheMarkets.com. The use of our website is subject to the following terms and conditions of use, as amended from time to time (the “Terms”). The Terms are to be read together by you with any terms, conditions or disclaimers provided in the pages of our website. Please review the Terms carefully. The Terms apply to all users of our website, including without limitation, users who are browsers, customers, merchants, vendors and/or contributors of content. If you access and use this website, you accept and agree to be bound by and comply with the Terms and our Privacy Policy. If you do not agree to the Terms or our Privacy Policy, you are not authorized to access our website, use any of our website’s services or place an order on our website.

Use of our website
You agree to use our website for legitimate purposes and not for any illegal or unauthorized purpose, including without limitation, in violation of any intellectual property or privacy law. By agreeing to the Terms, you represent and warrant that you are at least the age of majority in your state, province or country of residence and you are legally capable of entering into a binding contract. You agree to not use our website to conduct any activity that would constitute a civil or criminal offence or violate any law. You agree not to attempt to interfere with our website’s network or security features or to gain unauthorized access to our systems.

You agree to provide us with accurate personal information, such as your email address, mailing address and other contact details in order to complete your order or contact you as needed. You agree to promptly update your account and information. You authorize us to collect and use this information to contact you in accordance with our Privacy Policy.

HumbleStudentoftheMarkets.com is a website that provides education and information on the financial markets. The content creator provides opinions only and nothing on the site should be construed as a recommendation of any security. The content creator is not registered as an investment advisor, investment advisory service, or broker-dealer in any jurisdiction in the world and does not advise on securities to anyone.

The information and content on the HumbleStudentoftheMarkets.com blog constitutes the content creator’s own opinion. This material is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The opinions expressed are as of the date indicated and may change as subsequent conditions vary. The information and opinions contained in this post are derived from proprietary and non-proprietary sources deemed by the content creator to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. As such, no warranty of accuracy or reliability is given and no responsibility arising in any other way for errors and omissions (including responsibility to any person by reason of negligence) is accepted by the content creator, its officers, employees or agents. This post may contain “forward-looking” information that is not purely historical in nature. Such information may include, among other things, projections and forecasts. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this website is at the sole discretion of the reader. Also see our operating philosophy at Teaching my readers how to fish.

Any information found on HumbleStudentoftheMarkets.com may not be redistributed, broadcast or published publicly without written permission.

Terms and conditions
Sales and subscriptions are subject to the following conditions:

All sales are final and there are no refunds.
Subscriptions of one month or more are put on auto-renew for your convenience.
Cancellations:
- You may cancel at any time, but when you cancel, the subscription will remain active until the end the current expiry period.
- If you cancel a subscription set on auto-renew one day or more before expiry, you will not be charged for the next period. If you cancel on the day of expiration, please contact us and we will make every effort to terminate the auto-renew process.
This Agreement to become a subscriber shall be governed by and construed in accordance with the laws of the Province of British Columbia and any laws of Canada applicable to British Columbia, which will be deemed the proper laws of this Agreement.

Comments, feedback, and other submissions
You acknowledge that you are responsible for the information, profiles, opinions, messages, comments and any other content (collectively, the “Content”) that you post, distribute or share on or through our website or services available in connection with our website. You further acknowledge that you have full responsibility for the Content, including but limited to, with respect to its legality, and its trademark, copyright and other intellectual property ownership. You agree that any Content submitted by you in response to a request by us for a specific submission may be edited, adapted, modified, recreated, published, or distributed by us. You further agree that we are under no obligation to maintain any Content in confidence, to pay compensation for any Content or to respond to any Content.

You agree that you will not post, distribute or share any Content on our website that is protected by copyright, trademark, patent or any other proprietary right without the express consent of the owner of such proprietary right. You further agree that your Content will not be unlawful, abusive or obscene nor will it contain any malware or computer virus that could affect our website’s operations. You will be solely liable for any Content that you make and its accuracy. We have no responsibility and assume no liability for any Content posted by you or any third-party.

We reserve the right to terminate your ability to post on our website and to remove and/or delete any Content that we deem objectionable. You consent to such removal and/or deletion and waive any claim against us for the removal and/or deletion of your Content.

Limitation of liability
You assume all responsibility and risk with respect to your use of our website, which is provided “as is” without warranties, representations or conditions of any kind, either express or implied, with regard to information accessed from or via our website, including without limitation, all content and materials, and functions and services provided on our website, all of which are provided without warranty of any kind, including but not limited to warranties concerning the availability, accuracy, completeness or usefulness of content or information, uninterrupted access, and any warranties of title, non-infringement, merchantability or fitness for a particular purpose. We do not warrant that our website or its functioning or the content and material of the services made available thereby will be timely, secure, uninterrupted or error-free, that defects will be corrected, or that our websites or the servers that make our website available are free of viruses or other harmful components.

The use of our website is at your sole risk and you assume full responsibility for any costs associated with your use of our website. We will not be liable for any damages of any kind related to the use of our website.

Indemnification
You agree to defend and indemnify us, and hold us and our affiliates harmless,, and our and their respective directors, officers, agents, contractors, and employees against any losses, liabilities, claims, expenses (including legal fees) in any way arising from, related to or in connection with your use of our website, your violation of the Terms, or the posting or transmission of any materials on or through the website by you, including but not limited to, any third party claim that any information or materials provided by you infringe upon any third party proprietary rights.

Entire agreement
The Terms and any documents expressly referred to in them represent the entire agreement between you and us in relation to the subject matter of the Terms and supersede any prior agreement, understanding or arrangement between you and us, whether oral or in writing. Both you and we acknowledge that, in entering into these Terms, neither you nor we have relied on any representation, undertaking or promise given by the other or implied from anything said or written between you and us prior to such Terms, except as expressly stated in the Terms.

Severability
If any of the provisions of the Terms are determined by any competent authority to be invalid, unlawful or unenforceable, such provision will to that extent be severed from the remaining Terms, which will continue to be valid and enforceable to the fullest extent permitted by law.

Waiver
Our failure to exercise or enforce any right or provision of the Terms will not constitute a waiver of such right or provision. A waiver by us of any default will not constitute a waiver of any subsequent default. No waiver by us is effective unless it is communicated to you in writing.

Privacy Statement

Who we are: Humble Student of the Markets, Inc. and our website address is https://humblestudentofthemarkets.com/

We may ask you to provide Personal Information when you:

Use our website;
Place orders;
Subscribe to newsletters, promotional emails, or other materials;
Contact us.
Information we may request includes your email address, name, home address, and telephone number. If you make a purchase, we may ask for your credit card number and billing information.

We may collect information about your visits to our websites, including the pages you view, the links and ads you click, search terms you enter, and other actions you take in connection with our websites and services. We may also collect certain information from the browser you used to come to our website, such as your Internet Protocol (IP) address, browser type and language, access times, the Uniform Resource Locator (URL) of the website that referred you to our website and to which URL you browse away from our site if you click on a link on our site.

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

We use your personal information to:

Deliver the services and support, or carry out, the transactions you have requested;
Send communications to you, such as your transactions status;
Customize, analyze, and improve our products and services;
Identify patterns of behaviour to offer relevant suggestions to users. For example, based on non-identifiable data collected through cookies on our website, we may be able to determine that users who viewed certain products may also like other specific products. These cookies are not tied to personal identifiers;
Manage, administer accounts and process payments;
Meet our legal, regulatory and processing requirements;
Protect you and us from fraud, identity theft, unauthorized access to your account, and other prohibited or illegal activities;
Protect the security or integrity of the website, our business, or our products or services; or
Otherwise, as disclosed to you at the point of collection or as permitted or required by law.

We may share your Personal Information with affiliates to carry out transactions you request or to make our business or that of our affiliates more responsive to your needs. We may disclose your Personal Information to financial institutions and to other third parties as necessary to process payments and otherwise manage our accounts and fulfill our legal and regulatory requirements.

We will not disclose your Personal Information to third parties for their own marketing purposes.

We may disclose and/or transfer Personal Information to a third party in the event of a proposed or actual purchase, sale (including a liquidation, realization, foreclosure or repossession), lease, merger, amalgamation or any other type of acquisition, disposal, transfer, conveyance or financing of all or any portion of Humble Student of the Markets in order for you to continue to receive products and services from the third party.

We may also disclose your Personal Information in connection with law enforcement, fraud prevention, or other legal action; as required or permitted by law or regulation; or if we reasonably believes it is necessary to protect us, its customers, or the public.

We may transfer your Personal Information to Service Providers that help us carry out transactions you request, that help us promote and market additional goods, services and special offers from us or that help us to customize, analyze, and/or improve our communication or relationship with you. For example, we may use Service Providers to deliver email to our customers, may work with Service Providers to customize ads based on pages users visit on HumbleStudentoftheMarkets.com, or may allow Service Providers to collect aggregate information to identify trends and analyze which pages are visited most often by visitors to our website. We may disclose Personal Information to Service Providers to complete transactions or market on our behalf, but those Service Providers are prohibited from using your Personal Information for their own purposes.

The provision of your Personal Information to us means that you agree and consent that we may collect, use and disclose your Personal Information in accordance with this Privacy Statement. In addition, from time to time and where appropriate, we may request your specific authorization or consent for the collection, use and disclosure of your Personal Information for other purposes.

Please be aware that in certain circumstances, we may be required to disclose your Personal Information without your consent such as to law enforcement or other government officials. This could arise, for example, where disclosure is required:

To comply with a subpoena, warrant or order made by a court with jurisdiction to compel the production of such information;
To legal authorities for the detection and prevention of fraud or other criminal activity; or
To our legal counsel in the event that any matter may the subject of litigation.

If we should be required to release your Personal Information without your consent, such as for the reasons listed above, we keep a record of what information was released, to which party it was released and why the circumstances necessitated such release. In order to respect your privacy to the fullest extent possible, we will only release the information to the extent that we are required to do so.

How we use Cookies

Cookies are very small text files that are stored on your computer when you visit some websites.
We use cookies to help identify your computer so we can tailor your user experience, track shopping basket contents and remember where you are in the order process. You can disable any cookies already stored on your computer, but these may stop our website from functioning properly.

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Resources – Please see this link on how to opt-out and control the use of cookies.

Who we share your data with

We share the following Personal Data collected for the following purposes and using the following services
Google Analytics
Personal Data: Cookies and Usage Data

MailChimp
Personal Data: address, city, country, email address, first name, last name, phone number, province and state

Twitter Tweet button and social widgets
Personal Data: Cookies and Usage Data

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

We will occasionally update this Privacy Statement. If we make changes to the Privacy Statement or make any material changes to how we will use your Personal Information, we will revise the Privacy Statement to reflect such changes and revise this Privacy Statement effective date, included at the end of this section. We encourage you to periodically review this statement to be informed of how we are protecting your Personal Information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

How we protect your data

We keep your data on our site database, which is monitored by a series of secured services.

Financial information such as credit card details are kept in a data vault at our credit card processor. We retain a token that identifies your credit card details on our site. That token is specific to us as a credit card merchant. Anyone who obtains that token can only submit it for a credit card transaction on your card and Humble Student of the Markets, Inc., and no other merchant.

Contact information

You can contact us by regular mail at:
Humble Student of the Markets, Inc.
125A-1030 Denman Street, Suite 554
Vancouver, BC V6G2M6
Canada

By email: cam@humblestudentofthemarkets.com

Date of last update: 19 May 2016