1. Acceptance of Terms

These Terms of Use (the “TOU”) and The ARMR Report’s Privacy Policy govern Your use of the Services (as defined below) we provide to you (referred to herein as “You” or “Your”) through http://ARMRReport.com and various communication tools, including email and third-party content delivery methods such as through ARMRReport-approved mobile applications accessed through any various medium or device now known or hereafter developed (collectively, “ARMRReport Portfolio of Websites”). Please read these TOU carefully. By using any of our Services, You agree to comply with these TOU. If You do not agree to the terms and conditions contained in the TOU, You agree not to use the Services, and we do not consent to provide You with access to the Services. In addition, when using any of our Services, You and ARMRReport, llc., (“ARMRReport,” “we,” “our,” or “us”) shall be subject to any posted guidelines or rules applicable to such Services, which may be posted and modified from time to time. All such guidelines or rules are hereby incorporated by reference into the TOU.

Subject to and in compliance with the terms and conditions set forth herein, ARMRReport may provide its users with access via ARMRReport.com to:

  • Free content including blogs and forums written by our Columnists, emails, podcasts, webinars and conference calls (the “Free Service”), User-Generated Content (the “Free Service”), and free content written or provided by third parties which may include, without limitation, text, data, graphics, photographs, videos, or downloadable code or programs (“Third-Party Content”); and
  • Premium content including blogs and forums written by our Columnists, ARMRReport Portfolio, White Board & Risk Monitor, Third-Party Content, emails, podcasts, webinars and conference calls and User-Generated Content for which You must pay a subscription fee to access (the “Premium Service”).

The Premium Service and the Free Service are collectively referred to herein as the “Services”.

You also understand and agree that the Services may include certain communications from ARMRReport, such as service announcements and administrative messages that You may not be able to opt out of receiving.

Current applicable subscription rates for any Premium Service for information regarding subscription rates please contact Your sales representative with any pricing questions) can be found on such Premium Service’s offer page or by contacting our Customer Service Department by telephone at 1-561-575-6832 Monday through Friday between the hours of 10:00 a.m. and 5:00 p.m. EST. An independent contractor who creates content for the ARMRReport is referred to herein as an “Outside Contributor”. Outside Contributors and employees that create content for the ARMRReport are collectively referred to herein as “Columnists”. “User-Generated Content” means content created by our users.

  1. Changes to the TOU and Our Services

We reserve the right at any time to:

  • Change the terms and conditions of the TOU;
  • Change all or any portion of the Services, eliminating or discontinuing any content or feature of the Services (including but not limited to adding or removing particular Columnists, ceasing to provide access to a Premium Service, and/or providing an alternative Premium Service to You as a replacement), and/or ceasing to provide Third-Party Content); or
  • Change the fees, charges or other conditions for use of the Services (with reasonable notice, in our sole discretion).

Any changes we make to the TOU will be effective immediately after we post the modified TOU on ARMRReport. In the event that You have the TOU cached on Your browser, the TOU that applies to You is the most recent version of the TOU that appears on a non-cached browser. In addition, if a Premium Service is added or removed, or the terms of their engagement has changed, the TOU may be modified with respect to such Premium Service. You should check our TOU frequently.

  1. Important Disclaimer Regarding the Information We Provide

ARMRReport is a publisher. You understand that no content published as part of the Services constitutes a recommendation that any particular investment, security, portfolio of securities, transaction or investment strategy is suitable for any specific person. To the extent any of the content published as part of the Services may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person.

You understand that the views expressed in the Services are the authors’ own opinions. The Services may contain opinions from time to time with regard to securities mentioned in other Services, and that those opinions may be different from those obtained by using another portion of the Services. Trading in securities (including, without limitation, stocks, options, ETFs and bonds) involves risk and volatility. Past results are not necessarily indicative of future performance.

You understand and agree that, time to time, one or more Contributors or their affiliates may have a position in the investment or securities written about. In cases where the position is held at the time of publication, Contributors are required to make appropriate disclosure. In addition, certain of ARMRReport’s affiliates and employees may, from time to time, have long and short positions in, or buy or sell the securities, or derivatives thereof, of companies mentioned in respective Services and may take positions inconsistent with the views expressed.

Third-Party Content is not subject to ARMRReport’s investment policy and therefore the preceeding paragraph does not apply to Third-Party Content, ARMRReport makes no representations regarding Third-Party Content, nor is ARMRReport liable for Third-Party Content.

You understand that performance data is supplied by sources believed to be reliable, that the calculations therein are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete. In addition, past performance is not an indication of future results.

From time to time, reference may be made in our marketing materials to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or recommendation, and may not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

When U.S. exchanges are open, any quotes (other than those obtained through the real-time quote services available to users of certain Services) are delayed. When U.S. exchanges are not open, quotes are only current as of the close of the last day of trading. Before selling or buying any investment, You should consult with a qualified broker or other financial professional to verify pricing information.

To the extent any of our Services involves a model portfolio or an actual portfolio of investments, as described below, such portfolio of investments is chosen by the author in accordance with their stated investment strategy. Your actual results may differ from results reported for the portfolio for many reasons, including, without limitation:

  • performance results for the portfolio do not reflect actual trading commissions that You may incur;
  • performance results for the portfolio do not account for the impact, if any, of certain market factors, such as lack of liquidity, that may affect Your results;
  • the investments chosen for the portfolio may be volatile, and although the “purchase” or “sale” of an investment in a portfolio will not be effected in the portfolio until after the sending of an email alert from ARMRReport has been commenced, server, delivery delays and other factors may cause the price You obtain to differ substantially from the price at the time of the alert;
  • the prices of investments in the portfolio at the point in time You begin subscribing to the Premium Service may be higher than such prices at the time such investments were chosen for inclusion in the portfolio;
  • You may not have the capital to trade as frequently as the portfolio;
  • the size and timing of a subscriber’s purchase or sale of a stock may affect the price of the stock.

Certain of the Premium Services are subject to additional disclosures and/or restrictions, as set forth below:

  • Each of our products either is a model portfolio that provides investment ideas and/or provides information regarding investments. Each product is available for informational purposes only. The information, research, and opinions contained in our products have been obtained or derived from sources believed to be reliable, but we cannot guarantee its accuracy and completeness nor the opinions based thereon. You should not rely solely upon the research herein for purposes of transacting securities or other investments, and you are encouraged to conduct your own research and due diligence, and to seek the advice of a qualified securities professional before you make any investment. None of the information contained in our products constitutes, or is intended to constitute a recommendation by us of any particular security or trading strategy or a determination by us that any security or trading strategy is suitable for any specific person. Investing in the stocks chosen in any of ARMRReport’s model portfolio products is risky and speculative. Trading in any security can result in immediate and substantial losses of the money invested. It is recommended that you only invest funds that are not allocated for other purposes, such as retirement savings, student loans, mortgages, education, or debt reduction.
  1. Registration and Privacy

In order to gain access to portions of the Services, You must become a member by choosing a unique user name, member name and password, and supply us with true, accurate, current and complete information about yourself, as required on the registration page. We may refuse to grant You a user name and member name that is threatening, abusive, offensive, harassing, derisive, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, impersonates someone else, is or may be protected by trademark or proprietary rights law, or is hatefully, racially, ethnically or otherwise objectionable, or inappropriate, as determined by us in our sole discretion. In consideration of Your use of the Services, You represent that You are of legal age to form a binding contract and are not a person barred from receiving the Services under the laws of the United States or other applicable jurisdiction. You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Services’ registration form and (b) maintain and promptly update Your registration data to keep it true, accurate, current and complete.

Our policy with respect to the collection and use of Your personal information is set forth in our Privacy Policy.

As a member, You also have certain other obligations relating to Your account:

  • You may not transfer to or resell Your use of or access to the Services to any third party;
  • You are responsible for all activities that occur under Your account;
  • You are responsible for maintaining the confidentiality of Your user name, member name and password; and
  • You agree to notify us at info@ARMRReport.com if You become aware of any possible unauthorized use(s) of Your account or any possible breach of security, including loss, theft, or unauthorized disclosure of Your user name, member name or password.
  • A maximum of one simultaneous log-in is allowed per account. This simultaneous login limit applies to the total number of logins at any given time regardless of device type (i.e., computers, tablets, mobile devices, etc.);
  1. Subscription Cancellation for Premium Service

YOU SHOULD READ THESE TERMS CLOSELY BEFORE YOU SUBSCRIBE FOR A PREMIUM SERVICE.  This Section does not apply to one-time purchases of the ARMRReport.

Please note:

  • Upon the commencement of Your initial subscription (which occurs upon Your registration for a subscription) Your credit card will be billed the applicable subscription fee and Your paid subscription will commence.
  • Monthly Subscribers – If You are a monthly subscriber and you cancel Your monthly subscription, You will NOT receive a refund or reimbursement of Your monthly subscription fee; however, You will not be charged any future monthly subscription fees.
  • Other Subscribers – If You are a subscriber for a term longer than a month (including annual subscriptions) the same terms as described above (Monthly Subscribers) apply.
  • You can cancel Your subscription by calling our Customer Service Department at 1-561-575-6832 Monday through Friday (excluding Federal Reserve Holidays) between the hours of 10:00 a.m. and 5:00 p.m. EST. You may not cancel a subscription by any other means (such as by sending a request via email, postal mail or by calling any other phone number).
  1. Subscription Renewal for Premium Service

YOU SHOULD READ THESE TERMS CLOSELY BEFORE YOU SUBSCRIBE FOR A PREMIUM SERVICE.  This Section does not apply to one-time purchases of the ARMRReport. Your subscription will continue for the period referenced during registration (the “Term”), and renew automatically at the end of the Term, unless You notify us of Your decision not to renew Your subscription by calling our Customer Service Department by telephone at 1-561-575-6832 Monday through Friday (excluding Federal Reserve Holidays) between the hours of 10:00 a.m. and 5:00 p.m. EST. You must notify us at least one day before the renewal date in order to avoid being charged for the renewal of your subscription. You may not notify us of a decision not to renew Your subscription by any other means (such as by sending a request via email, postal mail or by calling any other phone number).  If You do not notify us as described above, the then-applicable monthly, periodic or annual fee for Your subscription will be billed automatically to the credit card account You designated during the registration process (or subsequently changed).  Please note,in connection with recurring billing for subscription renewals, You authorize ARMRReport to bill Your credit 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 charge 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.

  1. ARMRReport’s Proprietary Rights

The Services and the content distributed through the Services, is the property of ARMRReport. You may access and use the content and download and/or print out one copy of any content from the Services, solely for Your personal, noncommercial use. You acknowledge that You do not acquire any ownership rights by using the Services. If You choose to submit content for publication through the Services, such as guest commentary or guest opinions, such content shall be exclusive to ARMRReport, deemed to be property of ARMRReport, and by submitting such content You irrevocably assign any and all rights to such content to ARMRReport.

“ARMRReport.com”, “ARMRReport”, the “ARMRReport.com Logo” and certain other marks used on ARMRReport Website are trademarks and/or service marks of ARMRReport.

  1. User Conduct

You may not republish, upload, post, transmit or distribute content available through the Services to online bulletin boards, message boards, newsgroups, chat rooms, or in other any manner, without our prior written permission. Modification of the content or use of the content for any purpose other than Your own personal, noncommercial use is a violation of our copyright and other proprietary rights, and can subject You to legal liability.

In addition, in connection with Your use of the Services, You agree not to:

  • Restrict or inhibit any other visitor from using the Services, including, without limitation, by means of “hacking” or defacing any portion of any of our websites;
  • Use the Services for any unlawful purpose;
  • Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Services or any of our websites;
  • “Frame” or “mirror” any content available through the Services or any of our websites without our prior written authorization;
  • Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, “data mine”, or in any way reproduce or circumvent the navigational structure or presentation of the content available through the Services or any of our websites; or
  • Harvest or collect information about users of the Services without their express consent.

You also agree that at all times You will:

  • Comply with all applicable laws, rules and regulations in connection with Your use of the Services and the content made available therein;
  • Be responsible for all statements made and acts or omissions that occur on Your user account while Your password is being used;
  • Waive any and all rights against ARMRReport and hold ARMRReport harmless in connection with any claims relating to any action taken by ARMRReport as part of its investigation of a suspected violation or result of its conclusion that a violation of the TOU has occurred, including but not limited to the removal of posts or a suspension or termination of Your membership account; or
  • Maintain and promptly update Your registration data to keep it true, accurate, current and complete.
  1. Links to Other Websites and Viral Links

Your use of certain features and certain Third-Party Content made available to You by ARMRReport may be governed by additional rules, which are available on our website or by hyperlink from other websites, in connection with the Services. By using any feature You are acknowledging that You have reviewed all corresponding rules and agree to be bound by them. Some Third-Party Content and some of the features may have been provided by third parties for Your use. In the event that any feature or tool is provided by a third party, such feature or tool may become unavailable in the event that the agreement between us and the third party is terminated. You expressly acknowledge and agree that Your use of all Third-Party Content and features and tools provided by third parties is solely at Your own risk.

Any sweepstakes, contests, and games that are accessible through our website are governed by specific rules. By entering such sweepstakes or contests or participating in such games, You will become subject to those rules.

Content available through the Services may contain links to other Internet websites or resources. We neither control nor endorse such other websites, nor have we reviewed or approved any content that appears on such other websites. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, timeliness, or inappropriate nature of any content, advertising, products, services, or information located on or through any other websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content.

Viral Links

You are encouraged to link to the Services on any online bulletin board, message board, newsgroup, website or chat room (“Third-Party Site”). If You elect to display links from our websites on a Third-Party Site, You agree that You will comply with ARMRReport’s viral linking requirement as set forth herein. Notwithstanding anything contained herein, we reserve the right to deny permission to You to link to the website for any reason in our sole and absolute discretion.

ARMRReport hereby grants You the permission to post such links on a Third-Party Site, provided, however, that You comply with the following guidelines:

  • You may display only an excerpt of the content not to exceed 75 words that must be followed by a link to the full content of the Service. You are not permitted to reproduce the entire text of content as it appears on the website. You are prohibited from displaying excerpts from the Premium Service.
  • The byline must consist of the name or title of the content and the name of the website. (e.g. “as appearing on ARMRReport”)

Any website that links to ARMRReport Website (a) must not suggest or imply that we are sponsoring or endorsing such website(s)’s product, unless ARMRReport has given its prior written consent; (b) must not use any of our trademarks on such Third-Party Site without prior written consent of ARMRReport; and (c) must not display any excerpt of ARMRReport content and link together with content on such Third-Party Site that may be construed as distasteful, offensive or controversial.

  1. Disclaimer of Warranties

The Services, and any content obtained or accessed through the Services, including without limitation Third-Party Content, is provided “as is” without representations or warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, ARMRReport, its officers, directors, employees, subsidiaries, affiliates, suppliers, advertisers, and agents disclaim all warranties, express, implied or statutory, including, but not limited to, implied warranties of title, non-infringement, merchantability, and fitness for a particular purpose or use, and all warranties relating to the adequacy, accuracy, timeliness or completeness of any information available through the Services,

ARMRReport and its affiliates, suppliers, agents and sponsors do not warrant and accept no liability that Your use of the Services and any content contained therein, including without limitation, Third-Party Content, will be uninterrupted, error-free, or secure, that defects will be corrected, or that the Services or the server(s) on which the Services are hosted are free of viruses, worms, malicious code, Trojan horses, malware, or other harmful components. ARMRReport and its affiliates, suppliers, agents and sponsors accept no liability for any software downloaded from the Services. You acknowledge that You are responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed to access and use the Services, and all charges related thereto. You assume total responsibility and risk for Your use of the Services and Your reliance thereon. No opinion, advice, or statement of ARMRReport or its affiliates, suppliers, agents, members, or visitors, whether made on the site or otherwise, shall create any warranty. You use of the site, the content contained therein, and materials provided through the site, are entirely at Your own risk. ARMRReport and its affiliates, agents and sponsors will not be liable for any informational errors, incompleteness, delays or any actions taken in reliance on information contained in the Services.

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Services, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between You and such advertiser. You agree that ARMRReport shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Services.

A possibility exists that content available through the Services could include inaccuracies or errors, or materials that violate the TOU. Additionally, a possibility exists that unauthorized alterations could be made to the content available through the Services by third parties. Although we attempt to ensure the integrity of our website and Services, we make no guarantees as to the completeness or correctness of any content available through the Services. In the event that such a situation arises, please contact us at info@ARMRReport.com with, if possible, a description of the material to be checked and the location (URL) where such material can be found on our websites, if applicable, as well as information sufficient to enable us to contact You. We will try to address Your concerns as soon as reasonably practicable. For copyright infringement claims, see the section on “Copyright Infringement” below.

Under no circumstances shall ARMRReport be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, or non-performance of third parties.

  1. Limitation of Liability

NEITHER ARMRREPORT NOR ITS AFFILIATES, SUPPLIERS, SUBSIDIARIES, ADVERTISERS, AGENTS OR SPONSORS ARE RESPONSIBLE OR LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, RELIANCE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER LEGAL THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SERVICES AND/OR ANY CONTENT CONTAINED THEREIN, INCLUDING WITHOUT LIMITATION, ANY THIRD-PARTY CONTENT, OR ANY SERVICES USED OR PURCHASED THROUGH ARMRREPORT, WHETHER SUCH DAMAGE IS FORESEEABLE OR NOT AND WHETHER OR NOT YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE AND NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. FOR AVOIDANCE OF DOUBT, DAMAGES ARISING UNDER THE SECTION ENTITLED “INDEMNIFICATION” (INCLUDING WITHOUT LIMITATION DAMAGES TO WHICH A PARTY IS ENTITLED TO INDEMNIFICATION UNDER SUCH SECTION THAT SUCH PARTY SUFFERS IN CONNECTION WITH THIRD PARTY CLAIMS FOR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES) ARE DEEMED TO BE DIRECT DAMAGES OF THE INDEMNIFIED PARTY. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES IS TO STOP USING IT. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO COMPANY FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION — WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE — SHALL BE THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR ACCESS TO THE SERVICES IN THE CURRENT CALENDAR YEAR OF YOUR SUBSCRIPTION.

  1. Indemnification

You agree to indemnify, defend and hold harmless ARMRReport our current and former affiliates, our current and former officers, directors, employees, agents and representatives and their successors and assignees from and against any and all liabilities, claims, (including, without limitation, third-party claims), damages, losses, costs (including reasonable attorneys’ fees), or other expenses associated with or incurred as a result of or from (a) Your violation of the TOU; (b) Your use of the Services; (c) Your violation of the rights of any third party; (d) the actual or alleged infringement of any third party proprietary or intellectual property right arising out of the duplication, sale, distribution, or use of the Services, or (e) any liability arising from Your use of the Services including any User-Generated Content You create.

  1. Termination

ARMRReport reserves the right to restrict, suspend or terminate Your use of and registration on any of its websites at any time for any reason in its sole discretion, with or without cause, without prior notice to You and without liability or further obligation of any kind whatsoever to You or any other party. ARMRReport reserves the right to terminate Your access to any portion of the Services and, in some cases in the sole discretion of ARMRReport, Your membership in the Premium Services, in the event You violate the TOU. In such case, You will not be entitled to receive a refund, reimbursement or any other credit for any portion of the subscription fee paid by You.

You may terminate Your user account, user name, member name any associated email address and access to the Services by submitting such termination request to us.

  1. Miscellaneous

The Services are directed solely to individuals residing in the United States. We make no representation that materials provided through the Services are appropriate or available for use in other locations. Those who choose to access the Services from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Services to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service that we provide.

You are responsible for promptly paying all fees associated with Your use or purchase of the Services (the “Fees”) at the time of purchase. You are also responsible for any applicable federal, state, or local franchise fees, surcharges, sales and use taxes, and any other taxes (except those related to ARMRReport’s net income) related to the Services (collectively, the “Taxes”). You shall promptly pay all Taxes at the time of purchase. The TOU, together with all ARMRReport policies referred to herein, constitutes the entire agreement between You and ARMRReport relating to Your use of the Services and supersedes and any all prior or contemporaneous written or oral agreements on that subject between us. The TOU and the relationship between You and ARMRReport are governed by and construed in accordance with the laws of the State of Florida, excluding (a) the application of principles of conflict of laws that otherwise might call for the application of the substantive law of another jurisdiction and (b) the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act. You and ARMRReport agree to submit to the personal and exclusive jurisdiction of the federal and state courts located within Palm Beach County, Florida, waive any jurisdictional venue, or inconvenient forum objections to such courts and such courts shall have the sole and exclusive jurisdiction over any action, suit or other proceeding arising out of or relating to these TOU, other than any action, suit or other proceeding arising from a breach of customer data. You and ARMRReport agree that any action, suit or other proceeding arising from a breach of customer data will be submitted to binding arbitration for resolution. Such arbitration shall take place in Palm Beach, Florida, and shall be conducted in accordance with the rules of the American Arbitration Association in effect at that time. If any provision of the TOU is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the TOU and shall not affect the validity and enforceability of any remaining provisions. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained in the TOU is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof. We reserve the right to require You to sign a non-electronic version of the TOU.

 

LAST UPDATED: Dec 2019

 

PRIVACY POLICY

ARMRReport, llc. (“we,” “us” or “our”) is concerned about privacy issues and wants you to be familiar with how we collect, use and disclose information.  This Privacy Policy describes our practices in connection with information that we collect through our website currently located at ARMRReport.com and any other website operated by us from which you are accessing this Privacy Policy (the “Websites”), through the software applications made available by us for use on or through computers and mobile devices in connection with which you are accessing this Privacy Policy (the “Apps”), and through HTML-formatted email messages that we send to you that link to this Privacy Policy (collectively, including the Websites and the Apps, the “Services”).  By providing Personal Information to us or using the Services, you agree to this Privacy Policy.

Personal Information

Personal Information We May Collect

Personal Information” is information that identifies you as an individual or relates to an identifiable person, including, for example:

  • Name
  • Address
  • Phone number
  • Email address
  • Payment card information
  • Social media account ID

 

If you submit any Personal Information relating to other people to us or to our service providers in connection with the Services (such as if you gift a subscription to another person), you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy.

 

How We May Collect Personal Information

We and our service providers may collect Personal Information in a variety of ways, including:

  • Through the Services:  We may collect Personal Information through the Services, such as when you register, sign up for a newsletter or whitepaper or register for one of our premium subscription services.
  • Offline:  We may collect Personal Information from you offline, such as when you place an order over the phone, contact customer service or attend our events.
  • From Other Sources:  We may receive your Personal Information from other sources, such as public databases, joint marketing partners, social media platforms (including from people with whom you are friends or otherwise connected) and from other third parties.  For example, if you elect to connect your social media account to your Services account, certain Personal Information from your social media account will be shared with us, which may include Personal Information that is part of your profile or your friends’ profiles.  In addition, if someone gives you a subscription to the Services, we will receive your Personal Information from him or her.

 

How We May Use Personal Information

We and our service providers may use Personal Information:

  • To respond to your inquiries and fulfill your requests, such as to send you newsletters or whitepapers.
  • To send administrative information to you, such as information regarding the Services and changes to our terms, conditions and policies.
  • To complete and fulfill your purchase, including to process your payment, have your order delivered to you, communicate with you regarding your purchase and provide you with related customer service.
  • To send you marketing communications that we believe may be of interest to you, subject to any choices you have expressed with respect to such communications.
  • To personalize your experience on the Services by presenting content, products and offers tailored to you.
  • To request your participation in surveys and to administer such surveys.  We may use the results of such surveys to understand user engagement, as well as for marketing purposes.  In addition, some of our columnists will on occasion take polls of their readers.  Such polls are solely for the editorial use of the individual columnists, and participation is voluntary.
  • To allow you to participate in sweepstakes, contests and similar promotions and to administer these activities.  Some of these activities have additional rules, which could contain additional information about how we use and disclose your Personal Information.  We suggest that you read any such rules carefully.
  • To facilitate social sharing functionality.
  • To allow you to send messages to a friend through the Services.
  • To identify the pricing for which you are eligible, such as if you are a student.
  • For our business purposes, such as data analysis, audits, fraud monitoring and prevention, developing new products, enhancing, improving or modifying our Services, identifying usage trends, determining the effectiveness of our promotional campaigns and operating and expanding our business activities.

 

How Personal Information May Be Disclosed

Your Personal Information may be disclosed:

  • To our third-party service providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, auditing and other services.
  • To third parties with whom we have joint marketing agreements, to permit them to send you marketing communications, subject to any choices you have expressed.
  • To third parties, to permit them to send you marketing communications.
  • To a third-party provider of a product or service that you purchase through the Services.
  • To third-party sponsors of events and sweepstakes, contests and similar promotions.
  • To identify you to anyone to whom you send messages through the Services.
  • By you, on message boards, chat, profile pages and blogs and other services to which you are able to post information and materials.  Please note that any information you post or disclose through these services may be available to other users and the general public.  We urge you to be very careful when deciding to disclose any information on the Services.
  • To your friends associated with your social media account, to other users of the Services and to your social media account provider, in connection with your social sharing activity, such as if you connect your social media account to your Services account or log into your Services account from your social media account.  By connecting your Services account and your social media account, you authorize us to share information with your social media account provider, and you understand that the use of the information we share will be governed by the social media site’s privacy policy.

Other Uses and Disclosures

We also may use and disclose your Personal Information as we believe to be necessary or appropriate:  (a) under applicable law, which may include laws outside your country of residence; (b) to respond to requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include such authorities outside your country of residence; (d) to enforce our terms and conditions; and (e) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others.

 

OTHER Information

Other Information We May Collect

Other Information” is any information that does not reveal your specific identity or does not directly relate to an identifiable individual, such as:

  • Browser and device information
  • App usage data
  • Information collected through cookies, pixel tags and other technologies
  • Demographic and other information provided by you
  • Aggregated information

If we are required to treat Other Information as Personal Information under applicable law, then we may use it for the purposes for which we use and disclose Personal Information as detailed in this Privacy Policy.

How We May Collect Other Information

We and our third-party service providers may collect Other Information in a variety of ways, including:

  • Through your browser or device:  Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language and Internet browser type and version.  We use this information to ensure that the Services function properly.
  • Through your use of the App:  When you download and use the App, we may track and collect App usage data, such as the date and time the App on your device accesses our servers, the pages you use and what information and files have been downloaded to the App based on your device number.
  • Using cookies:  Cookies are pieces of information stored directly on your computer.  Cookies allow us to collect information such as browser type, time spent on the Services, pages visited, language preferences, and other anonymous traffic data.  We and our service providers use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while using the Services and to recognize your computer in order to assist your use of the Services.  We also gather statistical information about use of the Services in order to continually improve their design and functionality, understand how they are used and assist us with resolving questions about them.  Cookies further allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on certain of the Services.  We may also use cookies or other technologies to track responses to our online advertisements.  At this time, we do not respond to browser do-not-track signals.
  • If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to automatically decline cookies or be given choices on how to manage them.  You may also wish to refer to http://www.allaboutcookies.org/manage-cookies/index.html.  If, however, you do not accept cookies, you may experience some inconvenience in your use of the Services.  For example, we may not be able to recognize your computer, and you may need to log in every time you visit.
  • Using pixel tags and similar technologies:  Pixel tags (also known as web beacons and clear GIFs) may be used in connection with some Services to, among other things, track the actions of users (including email recipients), measure the success of our marketing campaigns and compile statistics about use of the Services and response rates.
  • Analytics:  We use Google Analytics, which uses cookies and similar technologies to collect and analyze information about use of the Services and report on activities and trends.  This service may also collect information regarding the use of other websites, apps and online resources.  You can learn about Google’s practices by going to www.google.com/policies/privacy/‌partners/, and opt out of them by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.
  • IP Address:  Your IP address is a number that is automatically assigned to the computer that you are using by your Internet Service Provider.  An IP address may be logged automatically in our server log files whenever you access the Services, along with the time of the visit and the pages visited.  Collecting IP addresses is done automatically by many websites, applications and other services.  We use IP addresses for purposes such as calculating usage levels, diagnosing server problems and administering the Services.  We may also derive your approximate location from your IP address.
  • Physical Location:  We and our service providers may collect the physical location of your device by, for example, using satellite, cell phone tower, or WiFi signals.  We and our service providers may use your device’s physical location to provide you with personalized location-based services, content, notice of events, and advertisements.  In some instances, you may be permitted to allow or deny such collection or use of your device’s location, but, if you do, we may not be able to provide you with the applicable personalized services and content.
  • From you:  We collect your preferred means of communication, your gender, your investment and other preferences, and other information when you voluntarily provide it.
  • By aggregating information:  Aggregated Personal Information does not personally identify you (for example, we may aggregate Personal Information to calculate the percentage of our users who have a particular telephone area code).

How We May Use and Disclose Other Information

We may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law.  If we combine Other Information with Personal Information, we will treat the combined information as Personal Information as long as it is combined.

OUR ADVERTISING 

We may use third-party advertising companies to serve advertisements regarding goods and services that may be of interest to you when you access and use the Services and other websites or online services, based on information relating to your access to and use of the Services and other websites or online services on any of your devices, as well as on information received from third parties.  To do so, these companies may place or recognize a unique cookie on your browser (including through the use of pixel tags).  They may also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop.  If you would like more information about this practice, and to learn how to opt out of it in desktop and mobile browsers on the particular device on which you are accessing this Privacy Policy, please visit http://www.networkadvertising.org/managing/opt_out.aspand http://www.aboutads.info/.  You may download the AppChoices app at www.aboutads.info/appchoices to opt out in mobile apps.

THIRD PARTY SERVICES

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the Services link.  The inclusion of a link on the Services does not imply endorsement of the linked site or service by us or by our affiliates.

In addition, we are not responsible for the information collection, use, disclosure or security policies or practices of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other app developer; app, social media platform, operating system or wireless service provider; or device manufacturer, including with respect to any Personal Information you disclose to other organizations through or in connection with the Apps.

SECURITY

We use reasonable organizational, technical and administrative measures designed to protect Personal Information within our organization.  Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure.  Please also be aware 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.

If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the “Contacting Us” section below.

CHOICES AND ACCESS

Your choices regarding our use and disclosure of your Personal Information

We give you choices regarding our use and disclosure of your Personal Information for marketing purposes.

You may opt-out from:

  • Our sharing of your Personal Information with affiliates for their direct marketing purposes:  If you would prefer that we not share your Personal Information on a going-forward basis with our affiliates for their direct marketing purposes, you may opt-out of this sharing by writing to us at info@ARMRReport.com.
  • Our sharing of your Personal Information with unaffiliated third parties for their direct marketing purposes:  If you would prefer that we not share your Personal Information on a going-forward basis with unaffiliated third parties for their direct marketing purposes, you may opt-out of this sharing by writing to us at info@ARMRReport.com.

We will try to comply with your request(s) as soon as reasonably practicable.  Please note that if you opt-out of receiving marketing-related emails from us, we may still send you important administrative messages, from which you cannot opt-out.

How you can access and update your Personal Information 

If you would like to review and update the Personal Information collected from you during registration, you may visit the Your Account page.  You may also contact our customer service department by email at info@ARMRReport.com or by telephone at (561) 575-6832, between the hours of 10:00 a.m. and 5:00 p.m. EST.

For your protection, we may only implement requests with respect to the Personal Information associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request.  We will try to comply with your request as soon as reasonably practicable.  Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting a change.

USE OF SERVICES BY MINORS

The Services are not directed to individuals under the age of eighteen (18).  We do not knowingly collect Personal Information from such individuals, and we request that they not provide Personal Information through the Services.

SENSITIVE INFORMATION

we ask that you not send us, and you not disclose, any sensitive Personal Information (e.g., Social Security numbers, information related to racial or ethnic origin, political opinions, religion or other beliefs, health, biometrics or genetic characteristics or criminal background) on or through the Services or otherwise to us.

UPDATES TO THIS PRIVACY POLICY

We may change this Privacy Policy.  The “Last Updated” legend at the top of this page indicates when this Privacy Policy was last revised.  Any changes will become effective when we post the revised Privacy Policy on the Services.  Your use of the Services following these changes means that you accept the revised Privacy Policy.

CONTACTING US

If you have any questions about this Privacy Policy, please contact us at info@ARMRReport.com or:

Customer Service
ARMRReport, Inc.
2050 S A1A

Jupiter, FL 33477

 

 

Because email communications are not always secure, please do not include credit card or other sensitive information in your emails to us.