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Terms and Conditions

Valuentum is not a money manager, is not a registered investment advisor, and does not offer brokerage or investment banking services. Valuentum has not received any compensation from companies highlighted on this website. Valuentum, its employees, independent contractors and affiliates may have long, short or derivative positions in the securities mentioned on this website.

USER AGREEMENT


This Agreement sets out the terms and conditions relating to the online content provided free of charge and content subject to payment (“Free and Paid-for Content”) that Valuentum (“the Siteowner”) will provide to you (“the User”).

By accessing www.valuentum.com (“the Site”) the User is agreeing to the Terms & Conditions below. If the User uses the Site in the course of business the User is also agreeing to these terms and conditions on behalf of that business. If the User does not agree with the terms and conditions (or the User is not authorized to do so) the User should not use the Site.

If the User has any questions they should contact the Siteowner at info@valuentum.com.

Services and Fees

The Siteowner shall provide Free and Paid-for Content. This includes a subscription for Paid-for Content available. The Siteowner reserves the right to vary the Free and Paid-for Content and does not guarantee that the content provided free of charge (“Free Content”) will remain free of charge and does not guarantee that the content provided subject to payment (“Paid-for Content”) will remain a paid-for service.


The User shall agree to pay any subscription fees (“Fees”) at rates in effect when the charges are incurred. The User must provide the Siteowner with complete and accurate payment information. The User can pay using a credit or debit card or by setting up a standing order. By submitting credit or debit card details to the Siteowner the User warrants that they are entitled to purchase the Paid-for Content using those payment details. In the event of an unauthorized payment the Siteowner reserves the right to suspend or terminate the User’s access to the Site and Paid-for Content. If no payment authorization is received or payment authorization is subsequently cancelled, the Siteowner may immediately terminate or suspend access to any Paid-for Content and/or the Site.

The Siteowner will try to process the User’s request for any Paid-for Content promptly but does not guarantee that the Paid-for Content will be available to the User by any specified time. A contract with the User for a Paid-for Content will come into effect when the Username and Password are issued to the User. The User having paid the Fee for a subscription for the supply of Paid-for Content for a defined period the User will have no right of cancellation for the supply of the Paid-for Content other than the right to cancel the subscription for Paid-for Content. This does not affect the User’s statutory rights.


The Siteowner may change, or otherwise vary, the number of stocks, ETFs and other securities it covers (i.e. includes in its coverage list or coverage universe) or it follows (publishes content on), and the Siteowner may change, or otherwise vary, the means and/or format in which it covers or follows a stock, ETF and other security at any time, whether in pdf format, html format or other. The Siteowner has sole discretion how it classifies which stocks, ETFs, and other securities are included in its coverage list, or coverage universe, and how it determines or calculates the number of stocks, ETFs and securities in its coverage list, or coverage universe. The Siteowner has no obligation to continue to cover or follow a minimum number of stocks, ETFs and other securities and can change its coverage list, or coverage universe, of stocks, ETFs, and other securities at any time, with or without notice.

While every attempt is made to ensure that information regarding the disclosure of ownership information of stocks by authors, independent contractors, and guest contributors is provided and accurate, no assurances or guarantees can be made. As with any information found on the Site or in newsletters or in any other format, any information provided by Valuentum via email or any other means, including by phone, does not constitute any financial advice. Do not seek personal financial advice from Valuentum, whether by email, on social media, by phone or in any correspondence, because it cannot and won't be provided.


Registration, Passwords and Privacy


The use of the Site signifies the User’s consent to the Siteowner collecting and using personal information about the User in accordance with the Siteowner’s Privacy Policy. The User should read the Privacy Policy. The User does not have to register to use the Site in order to access it and enjoy the content other than the Paid-for Content. If the User wishes to access the Paid-for Content the User will be asked to provide the Siteowner with accurate, complete registration information, including contact details, and it is the User’s responsibility to update and maintain this information. The Siteowner is entitled to rely on this information to provide Paid-for Content. The User will also be requested to create a Password in a format specified by the Siteowner (“the Password”).

The User shall not disclose the Password to any other person or entity and shall ensure that the Password remains confidential at all times. In the event that the User knows or has a reasonable suspicion that a third party knows the User’s Password, the User shall notify the Siteowner immediately by contacting the Siteowner at info@valuentum.com. If the Siteowner has reasonable grounds for believing that the User has misused or is misusing the Password, the Siteowner may require the User to change the Password or may suspend the User’s use of the access to the Site, including Paid-for Content, until such time as the Siteowner is satisfied that the security of the Site is no longer compromised by the User’s activities.


Limitations on Use of the Site


All content and services provided by the Siteowner belongs to the Siteowner [or is licensed to the Siteowner by licensors including SubHub Limited]. The Siteowner [or its licensors, including SubHub Limited] own all the intellectual property rights in the content and services. The content and services provided are solely for the personal use of the User and the User shall not sub-license, distribute, sell, supply, modify, adapt, amend, incorporate, merge, or otherwise alter any content or service provided under this Agreement. The User shall not remove or replicate any logo, copyright or proprietary notices, legends, symbols, labels, watermarks, signatures or any other like marks affixed to or embedded in the content or services. The User shall not carry out any act or omission or permit any act or omission to take place that infringes or is likely to infringe any intellectual property rights owned or used by the Siteowner or its licensors including SubHub Limited or otherwise relating to the Site.


Limitation of Liability and Indemnity


The User expressly agrees that the use of, and browsing of the Site is at the User’s own risk. Neither the Siteowner nor any other party involved in creating, producing or delivering the Site, including SubHub Limited, is liable for any direct, incidental, special, consequential, indirect or punitive damages arising out of the User’s access to, or use of, or inability to use the Site or any linked site or for the cost of procurement of substitute goods or services or resulting from any goods or services purchased or obtained or messages received or transactions entered into through the Site or resulting from any unauthorized access to or alteration of your transmissions or data, including but not limited to, damages for loss of profits, use, data or other intangible property including legal costs and expenses, even if the Siteowner has been advised of the possibility of such damages.

The User expressly agrees that the downloading of any material form the Site, including but not limited to newsletters, is at the User’s own risk. Neither the Siteowner nor any other party involved in creating, producing or delivering the Site, including SubHub Limited, is liable for any direct, incidental, special, consequential, indirect or punitive damages resulting from the User downloading material from the Site or any linked site, including but not limited to, damages for loss of profits, use, data or other intangible property including legal costs and expenses, even if the Siteowner has been advised of the possibility of such damages.

Without limiting the foregoing, everything on the Site is provided to the User “as is” and “as available” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of satisfactory quality, fitness for a particular purpose or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to every User. The User must check their local laws for any restrictions or limitations regarding the exclusion of implied warranties. While the Siteowner will use reasonable efforts to include accurate and up to date information on the Site, the Siteowner makes no warranties or representations as to its accuracy or completeness. The Siteowner is not responsible for any errors or omissions or for the results obtained from the use of such information. The information is provided with the understanding that the information does not constitute any form of advice, recommendation or arrangement by the Siteowner or its affiliates or any other party involved in the Site and is not intended to be relied upon by Users in making (or refraining from making) any decisions based on such information.

The Siteowner has no obligation to maintain or update the calculations of the performance of simulated portfolios found in any publication, newsletter, or format, or continue to calculate the performance of such simulated portfolios or ideas found in any publication, newsletter, or format. Neither the Siteowner nor any other party involved in creating, producing or delivering the newsletters and simulated portfolios in newsletters is liable for any damages, including legal costs and expenses, resulting from the calculations of the performance of the simulated portfolios. Performance of the simulated portfolios on the Site, or in the newsletters has not been externally audited, and while every effort has been made to ensure the accuracy of such calculations, no warranties or guarantees can be extended. Past simulated performance is not a guarantee of future results, and actual results may differ from simulated performance information provided. All investments involve a degree of risk, including the risk of loss.

The User must make their own decisions on whether or not to rely on any information posted on the Site. The Siteowner reserves the right to modify information displayed on this Site but it does not make any commitment to update the information displayed on this Site. No party [other than the Siteowner] who is involved in the workings of the Site, including SubHub Limited, will at any time be liable or responsible in any way for the content, including Paid-for Content, and information provided on or via the Site and for the User’s use of the Site. From time to time the Siteowner will make available to the User links from the site to third party sites. These sites are not in any way approved, checked, edited, vetted or endorsed by the Siteowner and the User agrees that the Siteowner shall not be responsible or liable in any way for the content, advertising or products available from such sites, the quality, functionality, suitability or legality of such sites or for any dealings that the User may have, or the consequences of such dealings, with such third party site operators. Any arrangements made between the User and any third party named on the Siteowner’s Site are at the User’s sole risk and responsibility and the Siteowner expressly disclaims any liability for third party information or opinions posted on this Site or any linked Sites that arises under criminal or civil laws relating to defamation, intellectual property, infringement, privacy, obscenity, or any other area of law.


Indemnity


The User agrees to indemnify, keep indemnified, defend and hold the Siteowner and its parent companies, subsidiaries, affiliates and their respective officers, directors, employees, owners, agents, information providers and licensors, including SubHub Limited, (collectively the “Indemnified Parties”) harmless from and against any and all claims, damages, liability, losses, costs and expenses (including legal fees) (whether or not foreseeable or avoidable) incurred or suffered by any Indemnified Party and any claims or legal proceedings which are brought or threatened arising from the User’s use of, connection with or conduct on the Site or any breach by the User of these terms. The Siteowner or SubHub Limited reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by the User, and in such case, the User agrees to co-operate with the defense of such claim.


Consequences of Breach of these Terms


In the event that the Siteowner or SubHub Limited considers or determines, in their complete discretion, that the User has breached, violated or contravened the Agreement or has otherwise demonstrated inappropriate conduct in the use of the Site or the content or services they reserve the absolute right to: (a) warn the User that they have violated the Agreement and ask the User to discontinue such conduct; (b) discontinue the User’s membership of the site and/or any other related services, including Paid-for Content; and (c) take measures (including terminating, suspending or restricting the User’s use of the Site) to prevent the User from using the Site or linking to the Site.


Third Parties


The provisions of the Contracts (Rights of Third Parties) Act 1999 shall not apply to this Agreement, except in relation to the rights of SubHub Limited.

Valuentum may utilize third-party websites that include social media websites, blogs or other interactive content. Information provided by Valuentum on these sites is for informational and/or educational purposes only and is not, in any way, to be considered investment advice or a recommendation of any investment product or security. Information contained in any social-media posts by Valuentum has been obtained from sources believed to be reliable, but not guaranteed. No warranty or guarantee may be created or extended by sales or promotional materials on social media websites, blogs, other interactive content, or by any other means (including, but not limited to, email).

Proper Law and Jurisdiction

This Agreement and all matters arising from it shall be governed by and construed according to the laws of the State of Illinois without subject to its conflict of law provisions and shall be subject to the jurisdiction of the courts of the State of Illinois.


Entire Agreement


This Agreement supersedes all prior agreements, arrangements and undertakings and constitutes the entire agreement relating to the subject matter of this Agreement. The User confirms that they have not entered into this Agreement on the basis of any representation that is not expressly incorporated into this Agreement.


Standard Disclaimer


The information contained on this website is not represented or warranted to be accurate, correct, complete, or timely. This website is for informational purposes only, and any content on it or downloaded from it, including but not limited to the Nelson Exclusive and High Yield Dividend Newsletter, should not be considered a solicitation to buy or sell any security. No warranty or guarantee may be created or extended by sales or promotional materials, whether by email or in any other format. The securities or strategies mentioned on this website may not be suitable for all types of investors. The information contained on this website does not constitute any advice, especially on the tax consequences of making any particular investment decision. The material on this website is not intended for any specific type of investor and does not take into account an investor's particular investment objectives, financial situation or needs. Information and content on this website is not intended as a recommendation of any securities highlighted or any particular investment strategy. Before acting on any information found on this website or downloaded from this website, readers should consider whether such information or any investment idea is suitable for their particular circumstances, perform their own due diligence, and if necessary, seek professional advice from a personal financial advisor.


The sources of the data used on this website are believed by Valuentum to be reliable, but the data’s accuracy, completeness or interpretation cannot be guaranteed. Assumptions, opinions, and estimates are based on Valuentum's judgment as of the date of the published articles and/or content and are subject to change without notice. Valuentum is not responsible for any errors or omissions or for results obtained from the use of this report and accepts no liability for how readers may choose to utilize the content. In no event shall Valuentum be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of the information contained on this website. Investors should consider content on this website as only a single factor in making their investment decision.


Valuentum is not a money manager, is not a registered investment advisor, and does not offer brokerage or investment banking services. Valuentum has not received any compensation from any company or companies highlighted on this website. Valuentum, its employees, independent contractors and affiliates may have long, short or derivative positions in the securities mentioned on this website. Information and data in Valuentum’s valuation models and analysis may not capture all subjective, qualitative influences such as changes in management, business and political trends, or legal and regulatory developments. Redistribution of any content on this website is prohibited without written permission. Readers should be aware that information in the works on this website may have changed between when the works were written or created and when they are read. There is risk of substantial loss associated with investing in financial instruments.


Valuentum's company-specific forecasts used in its discounted cash flow model are rules-based. These rules reflect the experience and opinions of Valuentum's analyst team. Historical data used in Valuentum's valuation model is provided by Xignite and from other publicly available sources including annual and quarterly regulatory filings. Stock price and volume data is provided by Xignite. No warranty is made regarding the accuracy of any data or any opinions. Valuentum's valuation model is based on sound academic principles, and other forecasts in the model such as inflation and the equity risk premium are based on long-term averages. The Valuentum proprietary automated text-generation system creates text that will vary by company and may often change for the same company upon subsequent updates.


Valuentum uses its own proprietary stock investment style and industry classification systems. Peer companies are selected based on the opinions of the Valuentum analyst team. Research reports and data are updated periodically, though Valuentum assumes no obligation to update its reports, opinions, or data following publication in any form or format. Performance assessment of Valuentum metrics, including the Valuentum Buying Index, is ongoing, and we intend to update investors periodically, though Valuentum assumes no obligation to do so. Not all information is available on all companies. There may be a lag before reports and data are updated for stock splits and stock dividends.


The Best Ideas Newsletter portfolio, the Dividend Growth Newsletter portfolio, and the High Yield Dividend Newsletter portfolio are not real money portfolios. Any performance, including that in the Nelson Exclusive publication or on the Site, is hypothetical and does not represent actual trading. Past performance is not a guarantee of future results, and actual results may differ from simulated performance being presented on this website. Valuentum is an investment research publishing company. For general information about Valuentum's products and services, please contact us at info@valuentum.com.

Changes to the Terms & Conditions

Your use of the Site constitutes your acceptance of the Terms & Conditions (User Agreement) contained herein. The Siteowner reserves the right to change the Terms & Conditions at any time. By using the Site and/or the Free and Paid-for Content, including newsletters downloaded from the Site, after Valuentum has updated the Terms & Conditions or Privacy Policy, you are agreeing to the updated terms. If you do not agree with any of the updated terms, you must stop using the Site and the Free and Paid-for Content, and cancel your Membership (see here for information on how to cancel your Membership).

Updated November 1, 2017.