THIS VECTORVEST SUBSCRIBER AGREEMENT (“AGREEMENT”) IS A BINDING LEGAL AGREEMENT BETWEEN VECTORVEST, INC., ON BEHALF OF ITSELF AND ITS AFFILIATES, INCLUDING BUT NOT LIMITED TO, EUROPEAN FINANCIAL PUBLISHING LTD. (COLLECTIVELY, “VECTORVEST” OR “WE”), WITH HEADQUARTERS AT 2650 W. MARKET STREET SUITE 1A, AKRON OH 44333, AND “YOU” (“YOU” OR “YOUR”), THE INDIVIDUAL USER WHO HAS DOWNLOADED, INSTALLED, ACCESSED, USED, OR SUBSCRIBED TO (I) ANY VECTORVEST SOFTWARE OR PRODUCTS INCLUDING BUT NOT LIMITED TO, VECTORVEST ONLINE™, VECTORVEST PROTRADER™, VECTORVEST PROGRAPHICS™, VECTORVEST OPTIONS ANALYZER™, VECTORVEST REALTIME™, VECTORVEST ROBOTRADER™ , PROFITLOCKER PRO™, VECTORVEST U.S.™, VECTORVEST CANADA™, VECTORVEST EUROPE™, VECTORVEST U.K.™, VECTORVEST AUSTRALIA™, AND/OR ANY VECTORVEST SOFTWARE/APPLICATIONS FOR MOBILE DEVICES INCLUDING BUT NOT LIMITED TO TELEPHONES, IPHONES®, OR OTHER MOBILE DEVICES (COLLECTIVELY THE “SOFTWARE”); (II) ANY OF VECTORVEST’S SUBSCRIPTION-BASED SERVICES, INCLUDING BUT NOT LIMITED TO VECTORVEST’S COMPUTERIZED STOCK ANALYSIS SERVICES (COLLECTIVELY, THE “SUBSCRIPTION SERVICE”); AND/OR (III) ANY FREE TRIAL OF THE SOFTWARE OR SUBSCRIPTION SERVICE. ALL FREE TRIALS OF SOFTWARE OR THE SUBSCRIPTION SERVICE ARE GOVERNED BY THIS AGREEMENT UNDER THE SAME TERMS AND CONDITIONS AS THE SOFTWARE AND SUBSCRIPTION SERVICE (AS APPLICABLE); THEREFORE, THE WORDS “SOFTWARE” AND “SUBSCRIPTION SERVICE” IN THIS AGREEMENT ALSO INCLUDE ANY FREE TRIALS. THE TERMS AND CONDITIONS OF THIS AGREEMENT GOVERN THE USE OF THE SOFTWARE AND SUBSCRIPTION SERVICE. PLEASE REVIEW THESE TERMS AND CONDITIONS CAREFULLY BEFORE DOWNLOADING, INSTALLING OR USING ANY PART OR PORTION OF THE SOFTWARE OR SUBSCRIPTION SERVICE. FOR GOOD AND VALUABLE CONSIDERATION, THE RECEIPT AND SUFFICIENCY OF WHICH IS HEREBY ACKNOWLEDGED, YOU AGREE TO THE FOLLOWING TERMS AND CONDITIONS:

1. GRANT OF LICENSE

1.1     In consideration for the annual or monthly service fees paid by You, during the Term of Your Subscription Service, and/or for other good and valuable consideration, VectorVest grants You a single, non-exclusive, non-transferable, non-sublicensable, revocable and limited license to access and use the Software and to receive any data, information, and services provided by the Subscription Service solely for your personal, non-commercial use. You may download or install the Software and any data, information, and services provided by the Subscription Service to as many personal computers, mobile telephones, iPhones®, or other mobile communications devices as you wish to the extent Software is available for and compatible with the same, but you are limited to only one simultaneous login. Any copy or portion of the Software and any data, information, and services provided by the Subscription Service You access may only be accessed by You personally, via Your personal user name and password. You must choose a personal user name and password (collectively, “Access Methods”) for Your exclusive use. You agree to provide true, accurate, current and complete information about Yourself. You are solely responsible for ensuring that Your Access Methods are kept confidential and only used by You. You will be solely responsible for all acts or omissions of any person accessing the Software or Subscription Services through Your Access Methods, and all transmissions or transactions generated by use of Your Access Methods shall be deemed to have been authorized by You.

1.2     In addition to the other terms and conditions of this Agreement, You shall NOT:

  1. Use, copy, modify or transfer the Software or any data or information provided by the Subscription Service, in whole or in part, including screen shots, except as provided in Section 1.1 above or without written permission from VectorVest;
  2. Decompile, disassemble or reverse engineer or otherwise attempt to derive or interfere with the code for the Software;
  3. Adapt, alter, or create derivative works based on the Software or Help File or any data or information provided by the Subscription Service, without written permission from VectorVest;
  4. Use the Software or any data or information provided by the Subscription Service in connection with any service bureau or simultaneously on more than one (1) workstation in any interactive cable, wireless, or other network of single user computers;
  5. Sell, rent, lend, provide, or lease the Software, your Access Methods, or any data or information provided by the Subscription Service, to or from another party;
  6. Use the Software or Subscription Service for non-personal, commercial purposes;
  7. Display, perform, or publish the Software or any data or information provided by the Subscription Service, or any portion thereof, including results of the VectorVest stock analysis, either publicly or to a third party, without written permission from VectorVest;
  8. Display, perform, or publish any results of benchmark tests run on the Software, or on any data or information provided by the Subscription Service, either publicly or to a third party, without prior and express written permission from VectorVest;
  9. Obscure, alter, replace, or remove any trademarks, copyrights or other intellectual property notices on or associated with the Software, the Subscription Service, or any VectorVest web sites;
  10. Hire, solicit for hire, or retain, outside of this Agreement but for purposes within the scope of this Agreement, the services of VectorVest’s employees, during the period of time VectorVest provides goods or services to You under this Agreement, and for six months thereafter. If You breach this provision, in any respect, You agree to pay VectorVest, as liquidated damages, four times the said VectorVest employee’s annual salary;
  11. Mention or use the VectorVest name, or any trademarks of VectorVest, or any images or copyrights or other materials or property of VectorVest, in any non-personal or commercial publications, documents, printed matter, marketing, or advertising materials, in any format or medium, including electronic and online, on websites or in domain names, without the express prior written permission of

VectorVest. Any such unauthorized uses by You of the VectorVest name, or any trademarks of VectorVest, or any images or copyrights or other materials or property of VectorVest, are hereby assigned by You to VectorVest, along with all rights, title, interests and goodwill related thereto; or

  1. Imply, directly or indirectly, that VectorVest provides, endorses, sponsors, certifies, is connected with, is related to, is affiliated with, or approves any of Your conduct or content, websites, products, or services, in any capacity, even if in connection with the Subscription Service, without the express prior written permission of VectorVest.

1.3     In addition to the other terms and conditions of this Agreement, You shall comply with all applicable worldwide rules, laws, codes, and regulations related to the Software and Subscription Service, and related to trading, securities, investing, and otherwise, including but not limited to any reporting requirements to all applicable government and regulatory agencies and authorities worldwide.

2.    TERM AND TERMINATION

2.1    This Agreement shall commence upon first installation, download, copy, or use of the Software or Subscription Service by You, whether the Software is provided as a trial copy, as a fully licensed version, or any other form. Your use of any form, part, or portion of the Software or Subscription Service, whether temporary or not, is considered acceptance of this Agreement in its entirety.

2.2    VectorVest reserves the right to increase the annual and monthly subscription fees from time to time, and to apply any new subscription fees at the time of renewal of Your monthly or annual Subscription Service.

2.3    Your subscription and service will continue until canceled or terminated as provided herein.

UNLESS YOU NOTIFY US THAT YOU WISH TO CANCEL, OR VECTORVEST ELECTS TO CANCEL, THE

SUBSCRIPTION SERVICE, WE WILL AUTOMATICALLY RENEW THE SUBSCRIPTION SERVICE ON A PERIODIC BASIS; INCLUDING ANY MONTHLY OR ANNUAL SUBSCRIPTIONS, AS LONG AS WE CONTINUE TO CARRY THE SUBSCRIPTION SERVICE.

2.4    Both You and VectorVest may cancel the Subscription Service at any time, at-will. VectorVest may cancel the Subscription Service without notice to You. Upon termination by either You or VectorVest, no refunds will be given. VectorVest will cancel any subscription You may have on the date of expiration of the current period, unless the subscription is cancelled due to a breach of this agreement. If VectorVest cancels your subscription due to Your breach of this Agreement, they will immediately terminate access and no refund will be given. Notification of termination by You shall be made to VectorVest by telephone or in writing via letter or email to VectorVest, Inc., 2650 W. Market Street, Suite 1A, Akron, Ohio 44333. All telephone calls to VectorVest regardless of their nature or reason may be recorded for quality assurance purposes, and You hereby consent to the recording of the same. Sections 1.2, 1.3, 2.6,

3, 4, 5, 6, 7, 8, 9 and 10 of this Agreement shall survive the expiration or termination of Your subscription and this Agreement.

2.5     IF YOU TRANSFER POSSESSION OF ANY COPY OR MODIFICATION OF THE SOFTWARE TO ANOTHER PARTY OR IF YOU FAIL TO COMPLY WITH ANY TERM OR CONDITION OF THIS AGREEMENT, YOUR LICENSE IS AUTOMATICALLY TERMINATED.

2.6     Upon termination of this Agreement, by any party, for any reason, You agree to destroy or permanently delete the Software together with all copies and modifications in any form.

3.     LIMITED WARRANTY AND REPRESENTATIONS

3.1     VectorVest warrants that (1) the documentation provided with the Software and any updates thereto are substantially complete and contain all the material information VectorVest deems necessary to use the Software; (2) the Software functions substantially as described in the Help File; and (3) the disk, or media on which the Software is provided, is not defective and the Software is properly recorded upon such media.

3.2    VectorVest represents that it has taken reasonable precautions to ensure that to the best of VectorVest’s knowledge, the Software does not contain (1) any virus or similar code that may destroy, modify, alter, or cause the deliberate destruction, modification or alteration, in whole or in part, of any of Your equipment, devices or the Software or (2) other computer software routine or hardware components that are designed (i) to deliberately permit unauthorized access or use by third parties of the Software installed on Your equipment, (ii) to deliberately disable or damage hardware or deliberately damage, erase or delay access to software or data installed on Your equipment, or (iii) to deliberately perform any other similar actions.

3.3    The sole and exclusive remedy for breach of this Limited Warranty is replacement of defective Software. This Limited Warranty is for the duration of the subscription to the Subscription Service and is extended only to You personally. If applicable, in order to replace a defective disk during the warranty term, please write to VectorVest via email to support@vectorvest.com, or via letter to VectorVest, Inc., 2650 W. Market Street, Suite 1A, Akron, Ohio 44333.

3.4     EXCEPT AS PROVIDED ABOVE AND SUBJECT TO ANY CONTRARY PROVISIONS OF APPLICABLE STATE

LAW, VECTORVEST DISCLAIMS ANY AND ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING

WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR SUITABILITY, NONINFRINGEMENT OF THE SOFTWARE AND SUBSCRIPTION SERVICE AND ANY RELATED PRODUCTS AND

SERVICES, AND ANY WARRANTY COVERAGE FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES IN

CONNECTION WITH THE SOFTWARE OR SUBSCRIPTION SERVICE OR ANY RELATED PRODUCTS AND

SERVICES. VECTORVEST SPECIFICALLY DISCLAIMS WARRANTY COVERAGE FOR ANY INFORMATION OR

DATA PROVIDED THROUGH THE SOFTWARE OR SUBSCRIPTION SERVICE. EXCEPT AS OTHERWISE

PROVIDED ABOVE, THE SOFTWARE, SUBSCRIPTION SERVICE, THE USER GUIDES OR OTHER

DOCUMENTATION, ANY RELATED PRODUCTS AND SERVICES AND THE DATA AND INFORMATION,

DOWNLOADED OR OTHERWISE AVAILABLE PURSUANT TO THIS AGREEMENT, ARE ALL PROVIDED “AS IS.”

YOU ARE ASSUMING TOTAL RESPONSIBILITY FOR YOUR USE OF THE SUBSCRIPTION SERVICES AND

SOFTWARE AND FOR ANY TRADING LOSSES OR LOSS OF PROFITS, GOODWILL, USE, DATA, AND FOR ALL

OTHER INTANGIBLE LOSSES OF ANY KIND OR NATURE, REGARDLESS OF CAUSE. ANY WARRANTIES

ARISING IN THE COURSE OF DEALING, USAGE OR TRADE PRACTICE ARE EXCLUDED. VECTORVEST DOES NOT WARRANT THAT THE SUBSCRIPTION SERVICES OR SOFTWARE WILL BE UNINTERRUPTED, ERRORFREE OR COMPLETELY SECURE.

4.     LIMITATION AND WAIVER OF LIABILITY

IN NO EVENT WILL VECTORVEST BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INCIDENTAL OR

CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, INDIRECT, SPECIAL, PUNITIVE, OR

EXEMPLARY DAMAGES) FOR ANY TORT, CONTRACT OR ANY OTHER DAMAGE OR LIABILITY ARISING OUT

OF OR IN CONNECTION WITH THE USE OF OR RELIANCE ON THE SOFTWARE, SUBSCRIPTION SERVICE,

VECTORVEST WEBSITES, DATA, INFORMATION OR RELATED PRODUCTS OR SERVICES PROVIDED BY

VECTORVEST OR ITS EMPLOYEES OR AGENTS, EVEN IF WE ARE SOLELY NEGLIGENT. VECTORVEST SHALL

NOT BE LIABLE TO YOU OR ANY THIRD PARTY, REGARDLESS OF THE FORM OF ACTION, AND EVEN IF

VECTORVEST HAS BEEN MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES, FOR ANY TRADING LOSSES OR LOSS OF PROFITS, GOODWILL, USE, DATA, OR FOR OTHER INTANGIBLE LOSSES, OR FOR ANY

DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR PUNITIVE DAMAGES WHATSOEVER,

INCLUDING ANY RESULTING FROM: (i) THE USE OF OR INABILITY TO USE THE SOFTWARE OR

SUBSCRIPTION SERVICE, INCLUDING THE INABILITY TO MAKE A TRADE OR TO MAKE A TRADE AT A

PARTICULAR PRICE, OR OTHERWISE IN CONNECTION WITH TRANSACTIONS ENTERED INTO THROUGH OR

FROM OR IN RELIANCE UPON THE SOFTWARE OR THE SUBSCRIPTION SERVICE; (ii) THE ACCURACY OF

ANY DATA RELATED TO OR PROVIDED IN ASSOCIATION WITH THE SOFTWARE OR SUBSCRIPTION

SERVICE, INCLUDING ANY ERRORS OR OMISSIONS CAUSED BY VECTORVEST’S OWN NEGLIGENCE; (iii)

ANY INVESTMENT OR TRADING ADVICE PROVIDED BY VECTORVEST EMPLOYEES OR AGENTS; (iv) THE

COST OF GETTING SUBSTITUTE PRODUCTS OR SERVICES RESULTING FROM ISSUES, ERRORS OR THE

INABILITY TO USE ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED FROM

VECTORVEST; OR (v) FOR ANY OTHER CLAIM BY YOU OR ANOTHER PARTY RELATED TO THE SOFTWARE,

SUBSCRIPTION SERVICE, OR ANY RELATED PRODUCTS OR SERVICES. YOU ASSUME THE ENTIRE RISK AS

TO YOUR USE OF AND RELIANCE ON THE SOFTWARE AND SUBSCRIPTION SERVICE OR ON ANY OTHER

RELATED PRODUCTS OR SERVICES, AND YOU ASSUME THE ENTIRE RISK AS TO THE USE, FAILURE AND

LOSS OF ANY AND ALL DATA CONNECTIONS. IT IS YOUR RESPONSIBILITY TO DETERMINE THAT THE

SOFTWARE AND SUBSCRIPTION SERVICE SUFFICIENTLY MEET YOUR REQUIREMENTS. YOU HEREBY

WAIVE ANY AND ALL CLAIMS AND CAUSES OF ACTION AGAINST VECTORVEST FOR BREACH OF

CONTRACT, BREACH OF WARRANTY (EXCEPT FOR THE LIMITED WARRANTY IN SECTION 3.1 AND THE REMEDIES THEREFOR), OR NEGLIGENCE, RELATED TO THE SOFTWARE, THE SUBSCRIPTION SERVICE, OR ANY RELATED PRODUCTS OR SERVICES.

ALTHOUGH VECTORVEST TRIES TO PROVIDE ACCURATE AND TIMELY INFORMATION ON ITS WEBSITES

AND THROUGH ITS SOFTWARE AND SUBSCRIPTION SERVICE, THERE MAY FROM TIME TO TIME BE

INADVERTENT TECHNICAL OR FACTUAL INACCURACIES AND TYPOGRAPHICAL ERRORS, AS WELL AS DATA

AND INFORMATIONAL ERRORS. VECTORVEST RESERVES THE RIGHT TO MAKE CHANGES AND

CORRECTIONS AT ANY TIME TO ANY ERRORS, WITHOUT NOTICE OR LIABILITY TO YOU OR ANY THIRD

PARTY. IN ADDITION, VECTORVEST MAY MAKE CHANGES TO INFORMATION OR DATA AT ANY TIME BUT

MAKES NO COMMITMENT TO UPDATE THE INFORMATION OR DATA PROVIDED BY VECTORVEST AS

PART OF THE SOFTWARE OR SUBSCRIPTION SERVICE OR AS PART OF ANY OTHER RELATED PRODUCTS

OR SERVICES. THE INFORMATION AND DATA PROVIDED THROUGH VECTORVEST’S SOFTWARE,

SUBSCRIPTION SERVICE, AND ANY OTHER RELATED PRODUCTS AND SERVICES, IS PROVIDED “AS-IS” AND

“AS-AVAILABLE.” VECTORVEST DOES NOT REPRESENT, WARRANT OR GUARANTEE, AND HEREBY

DISCLAIMS ALL LIABILITY FOR, AND SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER PARTY FOR YOUR

RELIANCE ON, THE ACCURACY, COMPLETENESS, RELIABILITY, OR TIMELINESS OF THE SOFTWARE,

SUBSCRIPTION SERVICE, DATA, INFORMATION, TEXT, GRAPHICS, LINKS, FUNCTIONALITY, VECTORVEST

WEBSITES, VECTORVEST ONLINE™, VECTORVEST PROTRADER™, VECTORVEST PROGRAPHICS™,

VECTORVEST OPTIONS ANALYZER™, VECTORVEST REALTIME™, VECTORVEST ROBOTRADER™ ,

PROFITLOCKER PRO™,  VECTORVEST U.S.™, VECTORVEST CANADA™, VECTORVEST EUROPE™,

VECTORVEST U.K.™, VECTORVEST AUSTRALIA™, THE “TRADE NOW” FUNCTIONALITY, OR ANY OTHER

ITEMS, GOODS, SERVICES OR FUNCTIONALITY PROVIDED BY VECTORVEST. VECTORVEST EXPRESSLY

DISCLAIMS ALL LIABILITY FOR, AND SHALL HAVE NO LIABILITY TO YOU OR ANY OTHER PARTY FOR,

ERRORS, INACCURACIES, UNRELIABILITY, OR OMISSIONS IN, OR THE MISUSE OR MISINTERPRETATION

OF, OR ACTIONS TAKEN OR NOT TAKEN BASED ON ANY DATA OR INFORMATION CONTAINED IN THE

SOFTWARE, THE SUBSCRIPTION SERVICE, ANY VECTORVEST WEBSITES, VECTORVEST ONLINE™, VECTORVEST PROTRADER™, VECTORVEST PROGRAPHICS™, VECTORVEST OPTIONS ANALYZER™,

VECTORVEST REALTIME™, VECTORVEST ROBOTRADER™ , PROFITLOCKER PRO™, VECTORVEST U.S.™,

VECTORVEST CANADA™, VECTORVEST EUROPE™, VECTORVEST U.K.™, VECTORVEST AUSTRALIA™, THE “TRADE NOW” FUNCTIONALITY, OR ANY OTHER ITEMS, GOODS, SERVICES OR FUNCTIONALITY PROVIDED BY VECTORVEST, EVEN IF THE RESULT OF OUR NEGLIGENCE.

IN NO EVENT SHALL VECTORVEST LIABILITY UNDER THIS AGREEMENT, IF ANY, EXCEED THE

SUBSCRIPTION FEE PAID BY YOU FOR THE SPECIFIC SUBSCRIPTION TERM IN WHICH THE ALLEGED EVENT CREATING LIABILITY AROSE.

EXCEPT AS LIMITED OR RESTRICTED ELSEWHERE BY THIS AGREEMENT, THE PREVAILING PARTY IN ANY

LITIGATION OR ARBITRATION ARISING OUT OF THIS AGREEMENT SHALL BE PAID, IN ADDITION TO ANY OTHER RELIEF, ITS REASONABLE ATTORNEYS FEES FOR SUCH LITIGATION OR ARBITRATION, BY THE NONPREVAILING PARTY, WITHIN THIRTY DAYS OF THE FINAL CONCLUSION OF THE PROCEEDING.

5.     DISCLAIMER

5.1     VECTORVEST PRODUCTS AND SERVICES ARE COMPRISED IN PART OF REPORTS EMBODYING A UNIQUE SYSTEM OF STOCK ANALYSIS. ALL CONTENTS AND RECOMMENDATIONS CONTAINED IN

VECTORVEST PRODUCTS OR SERVICES ARE BASED ON DATA AND SOURCES BELIEVED TO BE RELIABLE,

BUT ACCURACY AND COMPLETENESS CANNOT BE GUARANTEED. ALL SOFTWARE, SUBSCRIPTION

SERVICE, INFORMATION, DATA, REPORTS AND CONTENT PROVIDED BY VECTORVEST ARE FOR

INFORMATIONAL, EDUCATIONAL, AND/OR ENTERTAINMENT PURPOSES ONLY AND ALLOW YOU TO

EVALUATE, OR TO MAKE INDEPENDENT DECISIONS CONCERNING, INVESTMENT STRATEGIES. IN

PARTICULAR, YOU AGREE THAT VECTORVEST, IN PROVIDING THE SOFTWARE, HAS NOT ACTED AND IS

NOT ACTING AS YOUR FIDUCIARY OR PROVIDED (OR HELD ITSELF OUT AS PROVIDING) ADVICE

RESPECTING PARTICULAR INVESTMENT DECISIONS, AND THAT THE SOFTWARE SHALL NOT SERVE AS THE

PRIMARY BASIS FOR ANY INVESTMENT DECISION MADE BY YOU. SPECIFICALLY, NOTHING ON

VECTORVEST’S WEBSITE, OR IN THE SOFTWARE OR AS PART OF THE SUBSCRIPTION SERVICE, IS A

RECOMMENDATION, ADVICE, OR SOLICITATION TO BUY, SELL OR HOLD STOCKS, SECURITIES, BONDS, FUTURES OR OTHER INVESTMENTS OR FINANCIAL INSTRUMENTS. YOU SHOULD NOT CONSTRUE ANY DATA OR INFORMATION PROVIDED BY VECTORVEST AS LEGAL, TAX, INVESTMENT, FINANCIAL OR OTHER ADVICE.

5.2     VECTORVEST REPRESENTATIVES ARE NOT AUTHORIZED, TRAINED OR PERMITTED TO PROVIDE

INVESTMENT OR TRADING ADVICE OR TO SOLICIT ORDERS. VECTORVEST IS NOT RESPONSIBLE FOR ANY

ACTIONS TAKEN AS A RESULT OF ANY INVESTMENT OR TRADING INFORMATION OR ADVICE PROVIDED

BY A VECTORVEST REPRESENTATIVE OR EMPLOYEE AS A RESULT OF COMMUNICATIONS FROM OR TO YOU VIA EMAIL, TELEPHONE OR OTHERWISE, AND SUCH INFORMATION OR ADVICE RECEIVED BY YOU SHOULD NOT BE RELIED UPON OR CONSIDERED ACCURATE FOR ANY REASON.

5.3     YOU AGREE THERE ARE RISKS INVOLVED IN IMPLEMENTING INVESTMENT STRATEGIES AND STOCK

INVESTMENTS IN GENERAL. YOU AGREE THAT FUTURE RESULTS MAY NOT BE PROFITABLE OR EQUAL TO

REPRESENTATIONS OF PAST PERFORMANCE WHETHER REAL, INDICATED OR IMPLIED. IN ADDITION, YOU

ACKNOWLEDGE THAT DETRIMENTAL FINANCIAL RESULTS MAY OCCUR THROUGH USE OF THE

SOFTWARE OR SUBSCRIPTION SERVICE AND ACCEPT ALL FINANCIAL CONSEQUENCES RESULTING FROM

SUCH USE OF THE SOFTWARE AND SUBSCRIPTION SERVICE. YOU ALONE ASSUME SOLE RESPONSIBILITY FOR ANY INVESTMENT DECISIONS YOU MAKE BASED ON THE SOFTWARE, THE SUBSCRIPTION SERVICE,

OR ANY DATA, INFORMATION, PRODUCTS OR SERVICES PROVIDED BY VECTORVEST. VECTORVEST, ITS

EMPLOYEES, AGENTS, OR AFFILIATES ARE NOT RESPONSIBLE FOR ANY LOSSES OR DAMAGES YOU MAY

INCUR AND YOU AGREE TO HOLD VECTORVEST HARMLESS, AND NOT TO HOLD VECTORVEST LIABLE OR

RESPONSIBLE, FOR ANY POSSIBLE OR ACTUAL CLAIM FOR LOSSES OR DAMAGES ARISING FROM ANY

DECISION YOU MAKE BASED ON DATA OR INFORMATION MADE AVAILABLE TO YOU BY VECTORVEST, THE SOFTWARE, THE SUBSCRIPTION SERVICE, OR ANY DATA, INFORMATION, PRODUCTS OR SERVICES PROVIDED BY VECTORVEST, EVEN IF WE ARE SOLELY NEGLIGENT OR AT FAULT.

5.4     YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR PROCURING ALL EQUIPMENT,

CONNECTIONS AND OTHER SOFTWARE PRODUCTS WHICH MAY BE NECESSARY FOR YOUR USE OF THE

SOFTWARE AND THAT YOU ARE SOLELY RESPONSIBLE FOR YOUR USE OF THE FOREGOING. IN ADDITION, YOU ARE SOLELY RESPONSIBLE FOR PROTECTING YOUR DATA AND FOR ENSURING THAT YOUR DATA IS APPROPRIATELY BACKED UP.

5.5     VECTORVEST DOES NOT AND CANNOT CONTROL THE FLOW OF DATA TO OR FROM ANY

NETWORK. SUCH FLOW DEPENDS IN LARGE PART ON THE PERFORMANCE OF INTERNET PROVIDED BY OR CONTROLLED BY THIRD PARTIES. ACTIONS OR INACTIONS OF SUCH THIRD PARTIES OR OTHER PERSONS CAN IMPAIR OR DISRUPT CONNECTIONS TO THE INTERNET (OR PORTIONS THEREOF).

VECTORVEST SHALL HAVE NO RESPONSIBILITY OR LIABILITY WITH RESPECT TO ANY LOSS OF A DATA CONNECTION OR ANY FAILURE OF A TRANSACTION DUE TO ANY SUCH LOSS OF A DATA CONNECTION. ACCORDINGLY, VECTORVEST DISCLAIMS ANY AND ALL LIABILITY RESULTING FROM OR RELATED TO SUCH EVENTS.

5.6     THE DISCLAIMERS OF WARRANTIES, LIABILITY AND OTHERWISE CONTAINED IN THIS AGREEMENT

CONSTITUTE AN ESSENTIAL PART OF THIS AGREEMENT. NO USE OF THE SOFTWARE OR SUBSCRIPTION SERVICE, INFORMATION, DATA OR AND ANY RELATED PRODUCTS AND SERVICES IS AUTHORIZED HEREUNDER EXCEPT UNDER THESE DISCLAIMERS.

6.     INDEMNIFICATION

You agree to indemnify and hold VectorVest harmless from and against any third party claims, causes of action, proceedings and lawsuits of any kind or nature, and from and against all liabilities, assessments, harm, losses, costs and damages of any kind or nature, which are awarded or paid in settlement or otherwise to any third party, as well as from and against any costs and expenses of any proceeding legal or otherwise related thereto, to the extent such third party claims, causes of action, proceedings and lawsuits relate to (i) Your use of the Software or Subscription Service (including where the Software or Subscription Service contributed to or caused the alleged loss, damage or harm), (ii) any modification of the Software other than by VectorVest, or (iii) Your violation of laws and regulations related to use of the Software, including, without limitation, any export, securities and futures laws and regulations.

7.     USE AND OWNERSHIP OF VECTORVEST INTELLECTUAL PROPERTY

7.1     VECTORVEST™, VECTORVEST ONLINE™, VECTORVEST PROTRADER™, VECTORVEST

PROGRAPHICS™, VECTORVEST OPTIONS ANALYZER™, VECTORVEST REALTIME™, VECTORVEST

ROBOTRADER™ , PROFITLOCKER PRO™, VECTORVEST U.S.™, VECTORVEST CANADA™, VECTORVEST EUROPE™, VECTORVEST U.K.™, VECTORVEST AUSTRALIA™, the names of any other VectorVest product or services, any variations thereof, and any related logo styles and geometric designs are, individually and collectively, trademarks or service marks owned by VectorVest. All other products mentioned in the Software, on the VectorVest website, or as part of the Subscription Service are registered trademarks or trademarks of their respective companies.

7.2     The Software, the Subscription Service, all VectorVest websites, and accompanying materials are Copyright 2002-2021 by VectorVest, all rights reserved. You acknowledge that the Software constitutes confidential and proprietary information of VectorVest. At all times (both during the term of this Agreement and thereafter) You must hold the Software in the strictest confidence and may not use the

Software in any manner or for any purpose other than as permitted herein and shall not disclose the Software to, or allow use by, any other person or entity. Further, You acknowledge that the Software shall remain the property of VectorVest and you agree to notify VectorVest immediately upon discovery of any unauthorized disclosure or use of the Software and to cooperate with VectorVest in every reasonable way to help VectorVest regain possession of the Software and/or to prevent further unauthorized use or disclosure of the Software.

7.3     Except as specifically permitted in this Agreement, You may not use any of VectorVest’s trademarks, copyrighted materials, web sites, data, information, web site content, web site screenshots, online screenshots, Software screenshots, back testing, or other proprietary information and/or data without express prior written consent and approval from VectorVest.

8.     CONSENT TO DISCLOSURE TO GOVERNMENTS OF YOUR ACCOUNT INFORMATION

YOU HEREBY AUTHORIZE VECTORVEST TO DISCLOSE TO ANY AND ALL GOVERNMENT AND REGULATORY

AGENCIES OR AUTHORITIES OF ANY KIND, WORLDWIDE, ANY AND ALL INFORMATION REGARDING YOUR

IDENTITY, ACCOUNT DETAILS, ACCOUNT INFORMATION, PERSONALLY IDENTIFIABLE INFORMATION,

ADDRESS, LOCATION, AND CONTACT DETAILS, WITHOUT ANY PRIOR NOTICE TO YOU, AND WITHOUT ANY LIABILITY TO VECTORVEST OR CLAIMS AGAINST VECTORVEST WHATSOEVER FOR SUCH DISCLOSURES.

9.     CONSENT TO RECEIVE PRE-RECORDED TELEPHONE SOLICITATIONS AND/OR TELEMARKETING SALES CALLS

9.1     IF YOU DO NOT AGREE TO ELECTRONIC EXECUTION OF THIS AGREEMENT, OR DO NOT AGREE TO

ELECTRONICALLY ASSENTING TO THIS AGREEMENT, DO NOT ASSENT TO OR EXECUTE THIS AGREEMENT,

AND REQUEST A PAPER COPY OF THIS AGREEMENT FOR EXECUTION, BY EMAILING US AT

SUPPORT@VECTORVEST.COM, OR WRITING TO US AT VECTORVEST, INC., 2650 W. MARKET STREET STE 1A, AKRON OH 44333.

9.2     BY ASSENTING TO, CLICKING “I AGREE”, SIGNING, OR EXECUTING THIS AGREEMENT, WHETHER IN

PAPER OR ELECTRONIC FORM, YOU EXPRESSLY HEREBY CONSENT TO RECEIVING, AND AUTHORIZE

VECTORVEST AND THOSE IT CONTRACTS WITH ON ITS BEHALF TO PLACE AND MAKE, TELEPHONE

SOLICITATIONS AND TELEMARKETING SALES CALLS (RELATED TO VECTORVEST, THE VECTORVEST

SOFTWARE, SUBSCRIPTION SERVICES, AND OTHER VECTORVEST PRODUCTS AND SERVICES) THAT DELIVER PRE-RECORDED MESSAGES TO THE TELEPHONE NUMBERS YOU DESIGNATE AND PROVIDE TO VECTORVEST.

9.3     IF AT ANY TIME YOU DO NOT, OR NO LONGER CONSENT TO OR AUTHORIZE SUCH PRE-RECORDED

TELEMARKETING SALES CALLS AS DESCRIBED ABOVE, OR WISH TO OPT-OUT FROM RECEIVING SUCH

CALLS, YOU HAVE THE RIGHT TO WITHDRAW YOUR CONSENT TO RECEIVING, AND TO OPT OUT FROM RECEIVING, THE SAME, WITHOUT ANY FEES OR CHARGES. TO WITHDRAW YOUR CONSENT OR TO OPT

OUT, PLEASE NOTIFY VECTORVEST BY EMAILING US AT SUPPORT@VECTORVEST.COM, OR WRITING TO US AT VECTORVEST, INC., 2650 W. MARKET STREET STE 1A, AKRON OH 44333, ATTN: MRS. LINDA ROYER.

9.4     YOUR CONSENT TO RECEIVE PRE-RECORDED TELEPHONE SOLICITATIONS AND TELEMARKETING

SALES CALLS IS REQUIRED BY LAW TO BE IN WRITING. YOU HAVE THE OPTIONS OF MAKING THIS

WRITTEN CONSENT IN A PAPER OR IN A NONELECTRONIC FORM OF THIS AGREEMENT, OR IN AN ELECTRONIC FORM OF THIS AGREEMENT. YOU ALSO HAVE THE OPTION OF NOT CONSENTING AT ALL, BY FOLLOWING THE OPT OUT PROCEDURES AS EXPLAINED IN SECTION 9.3.

9.5     BY EXECUTING THIS AGREEMENT IN ELECTRONIC FORM YOU ARE INDICATING THAT YOUR

ELECTRONIC NOTATION, SIGNATURE, OR EXECUTION OF THIS AGREEMENT INDICATES AND IS EVIDENCE

OF YOUR ASSENT AND CONSENT TO THIS AGREEMENT, AND IS SUFFICIENT TO MEET THE WRITING

REQUIREMENT, INSTEAD OF A SEPARATE PAPER SIGNED BY YOU. BY EXECUTING THIS AGREEMENT IN

ELECTRONIC FORM YOU ALSO AGREE TO THE STORAGE OF THIS CONSENT HEREIN, AND OF THIS

AGREEMENT, AS AN ELECTRONIC RECORD, INSTEAD OF AS A PAPER RECORD. BY EXECUTING THIS AGREEMENT IN ELECTRONIC FORM YOUR CONSENT GRANTED HEREIN IS NOT A CONSENT FOR OR TO ANY OTHER MATTER OUTSIDE OF THIS AGREEMENT.

9.6     TO UPDATE THE INFORMATION NEEDED FOR VECTORVEST TO CONTACT YOU ELECTRONICALLY,

PLEASE SEND YOUR UPDATED INFORMATION IN WRITING, BY EMAILING US AT

SUPPORT@VECTORVEST.COM, OR WRITING TO US AT VECTORVEST, INC., 2650 W. MARKET STREET STE 1A, AKRON OH 44333.

9.7     IF AT ANY TIME YOU WISH TO OBTAIN A PAPER COPY OF THE ELECTRONIC RECORD OF THIS AGREEMENT EXECUTED BY YOU, PLEASE EMAIL US AT SUPPORT@VECTORVEST.COM, OR WRITE TO US AT VECTORVEST, INC., 2650 W. MARKET STREET STE 1A, AKRON OH 44333.

9.8     IF YOU WISH TO ACCESS AND RETAIN THIS AGREEMENT AS EXECUTED BY YOU AS AN ELECTRONIC

RECORD, PLEASE EMAIL US AT SUPPORT@VECTORVEST.COM, OR WRITE TO US AT VECTORVEST, INC.,

2650 W. MARKET STREET STE 1A, AKRON OH 44333. YOU WILL NEED A COMPUTER CONNECTED TO THE

INTERNET, AN ACTIVE EMAIL ADDRESS, AND ADOBE® ACROBAT READER TO OPEN AND READ THE .PDF E-MAIL ATTACHMENT. IF THESE HARDWARE AND SOFTWARE REQUIREMENTS CHANGE, YOU WILL BE NOTIFIED BY VECTORVEST AND PROVIDED WITH REVISED INFORMATION.

10.     MISCELLANEOUS

10.1      Communications. When You use the Subscription Service, You are communicating with us electronically. We may communicate with You, and you consent to receive such communication, through the Subscription Service or via email. You agree that all agreements, notices, disclosures and other communications that We provide to you electronically satisfy any legal requirement that such communications be in writing.

10.2      Force Majeure. VectorVest shall not be liable to You for any failure to perform under this Agreement or for the failure of any VectorVest products or services, if such failure results, whether directly or indirectly, from fire, explosion, strike, freight embargo, act of God, or of the public enemy, war, civil disturbance, terrorism, act of any government, de jure or de facto, or agency or official thereof, labor shortage, transportation contingencies, interruptions of power or communications, internet slowdowns or failures, unusually severe weather, default of manufacturer or a supplier as subcontractor, quarantine restrictions, epidemic, or catastrophe, or lack of timely instructions or essential information from the other party.

10.3      Forum for Disputes or Claims Related to This Agreement; Waiver of Legal Right to Trial and to

Class Action; Right to Opt out of Arbitration or from Bar on Class Action. Any dispute or claim raised by You arising out of or relating to this Agreement or the subject matter hereof will be submitted only to binding arbitration on a confidential basis, conducted strictly in accordance with the terms of this Agreement and the substantive law of the State of Ohio. The arbitration venue and all related hearings will be in Akron, Ohio. You agree that the arbitration will be governed by the Commercial Arbitration Rules of the American Arbitration Association. Unless You and VectorVest concur in the appointment of a single arbitrator, the matter of difference shall be referred to three (3) arbitrators appointed to hear the case pursuant to the procedures set forth in the Commercial Arbitration Rules of the American Arbitration Association. The arbitrators must base their decision with respect to the difference before them on the contents of this Agreement, and the decision of any two of the three arbitrators shall be binding on both You and VectorVest. Judgment upon the award rendered by the arbitrator(s) may be entered and enforced in any court of competent jurisdiction. Neither You nor VectorVest will be precluded hereby from seeking equitable provisional remedies in the courts of any jurisdiction including, but not limited to, temporary restraining orders and preliminary injunctions, but such equitable remedies will not and may not be sought to avoid or stay arbitration. YOU HEREBY AGREE AND UNDERSTAND THAT YOU ARE WAIVING YOUR RIGHTS TO FILE A LAWSUIT AGAINST VECTORVEST IN A

COURT OF LAW. ANY DISPUTE OR CLAIM RAISED BY VECTORVEST HOWEVER ARISING OUT OF OR

RELATING TO THIS AGREEMENT OR THE SUBJECT MATTER HEREOF WILL, AT VECTORVEST’S SOLE

CHOICE AND DISCRETION, BE SUBMITTED EITHER TO BINDING ARBITRATION IN ACCORDANCE WITH

THIS SECTION 10.3, OR FILED AS A LAWSUIT IN THE APPROPRIATE FEDERAL OR STATE COURT. YOU

HEREBY AGREE TO THIS DIFFERENCE IN THE AVAILABILITY OF AND FORUM FOR RELIEF FOR DISPUTED

CLAIMS BETWEEN YOURSELF AND VECTORVEST, AS SET FORTH IN THIS SECTION. YOU FURTHER AGREE

NOT TO PURSUE OR BE THE PLAINTIFF OR REPRESENTATIVE IN ANY CLASS ACTION CASES OR

LITIGATIONS AGAINST VECTORVEST ANYWHERE WORLDWIDE, RELATED TO THE SOFTWARE, THE

SUBSCRIPTION SERVICE, TO ANY VECTORVEST CONDUCT, PRODUCTS OR SERVICES, OR FOR ANY OTHER REASON. YOU HEREBY AGREE AND UNDERSTAND THAT YOU ARE WAIVING YOUR RIGHTS TO BE INVOLVED IN ANY CLASS ACTION AGAINST VECTORVEST FOR ANY REASON.

NOTWITHSTANDING THE FOREGOING, YOU HAVE THIRTY (30) DAYS TO OPT OUT OF ANY SPECIFIC TERM

OR PROVISION OF THIS SECTION 10.3 WITH WHICH YOU DISAGREE, DO NOT ACCEPT, OR WISH TO

REJECT, ALTER, AMEND, OR FURTHER NEGOTIATE. TO OPT OUT FROM THE REQUIREMENTS OF THIS

SECTION 10.3, AND FROM ACCEPTING THIS SECTION 10.3, PLEASE EMAIL VECTORVEST AT

SUPPORT@VECTORVEST.COM, OR WRITE TO VECTORVEST, INC., AT 2650 W. MARKET STREET STE 1A,

AKRON OH 44333, ATTN: MRS. LINDA ROYER. WHEN OPTING OUT FROM THIS SECTION 10.3, PLEASE

INDICATE YOUR NAME, ACCOUNT DETAILS, AND SPECIFY WHETHER YOU ARE OPTING OUT FROM ALL OR ONLY A PORTION OF SECTION 10.3, AND IF ONLY A PORTION, PLEASE IDENTIFY AND DESIGNATE THE SPECIFIC PORTION FROM WHICH YOU ARE OPTING OUT.

10.4 Governing Law and Venue. Except as relates to any federal law causes of action, this Agreement shall be governed in all respects by the substantive laws of the State of Ohio, but excluding the application of Ohio’s choice of law provisions. Any arbitration or provisional equitable action commenced by You, or arbitration, equitable, or other legal action in a court of law commenced by VectorVest, arising out of or relating to this Agreement, shall be commenced in or as close as possible to Akron, Ohio. In any action commenced by VectorVest in a court of law, You irrevocably hereby submit and consent to and agree not to contest, object to, or challenge, the personal jurisdiction over You, by any court in Akron, Ohio, in which such action is filed, as well as to the venue of such court, and you hereby waive any and all defenses, challenges, or objections related to personal jurisdiction and venue. NO ACTION, REGARDLESS OF FORM, RELATING IN ANY MANNER TO THE SOFTWARE, THE SUBSCRIPTION

SERVICE OR OTHERWISE TO THIS AGREEMENT MAY BE BROUGHT BY YOU MORE THAN TWELVE (12)

MONTHS AFTER THE CAUSE OF ACTION HAS ACCRUED. FOR PURPOSES OF THIS SECTION, A CAUSE OF ACTION IS DEEMED TO HAVE ACCRUED WHEN YOU KNEW OR REASONABLY SHOULD HAVE KNOWN ABOUT BREACH, CLAIMED BREACH OR ANY OTHER CAUSE OF ACTION.

10.5      Enforceability. You agree the Agreement and all terms and conditions herein are enforceable and are not unconscionable and not in violation of public policy. You agree the Agreement is not a contract of adhesion and that You had the power and control to reject, alter, and negotiate the terms and conditions herein. In the event any specific sentences, portions, or provisions of this Agreement are held by a court of competent jurisdiction or an arbitrator to be invalid or unenforceable, the remaining sentences, portions and provisions of this Agreement will remain binding and in full force and effect. No employee, agent or representative of VectorVest has any authority to vary, waive or contradict any of the terms of this Agreement, other than an officer of VectorVest.

10.6      Privacy Policy.  The VectorVest Privacy Policy located and attached hereto at

qa.vectorvest.com/privacy-policy and as may be amended from time to time is incorporated herein by reference as if fully set forth herein. To the extent there is any contradiction between this Agreement and the Privacy Policy, this Agreement shall control.

10.7      Entire Agreement; Modifications.  VECTORVEST MAY REVISE, UPDATE, AND AMEND THIS

AGREEMENT AT ANY TIME, WHICH SHALL BE EFFECTIVE UPON YOUR CONSENT. SELECTION OF “I AGREE”

WHEN PRESENTED WITH A REVISED, UPDATED, OR MODIFIED VERSION OF THIS AGREEMENT SHALL BE YOUR CONSENT. This Agreement, including any future revisions, is the entire agreement and understanding between You and VectorVest with respect to the subject matter of this Agreement and supersedes all prior agreements, representations, inducements, negotiations and understandings between, by and among You and VectorVest, whether oral or written, all of which are merged into this

Agreement. VectorVest disclaims all representations other than those expressly set forth in this Agreement. You agree You are not relying on or accepting any representations, coercions, representations, or inducements by VectorVest, relating to the subject matter hereof, made outside of this Agreement, nor that there were any outside of this Agreement upon which to rely.

11.0     ACCEPTANCE

By clicking “I agree” You will be signing this Agreement with a binding electronic signature, and You acknowledge that You have read and understood this Agreement’s terms and conditions, the disclaimers, the waivers of Your legal rights, that You understand the responsibilities and obligations this

Agreement places on You, and that You agree to be legally bound by all the terms and conditions of this Agreement, with the exception of any provisions from which you have opted out or will opt out in accordance with Section 9.3 within the required time period for opting out.

IF YOU DO NOT AGREE WITH OR UNDERSTAND ANY OF THESE TERMS OR CONDITIONS, INCLUDING THE

OPT OUT PROVISIONS, DO NOT EXECUTE THIS AGREEMENT AND DO NOT INSTALL, DOWNLOAD, USE, OR OTHERWISE ACCESS THE SOFTWARE, THE SUBSCRIPTION SERVICE, ANY VECTORVEST WEB SITES, OR ANY RELATED PRODUCTS OR SERVICES.

©1996-2020 VectorVest, Inc.

Revision Date: 9/12/2019

 

 

VectorVest Privacy Policy

This privacy policy applies to personal information and data collected at of any kind or nature whatsoever provided by you or in connection with or in relation to www.vectorvest.com, www.vectorvest.ca, www.vectorvest.be, www.vectorvest.de, www.vectorvest.com.au, www.vectorvest.co.uk, www.vectorvest.nl and also to personal information and data of any kind or nature whatsoever provided by you or collected by VectorVest, Inc. (“VectorVest”) or others for or in connection with or in relation to any of its courses, training, software, applications, licenses, research, subscription services, free trials, marketing, and any and all other products and services it offers on its own or may offer on behalf of or through or integrated with third parties (all such products, services and activities collectively the “Services”) in relation to all formats and mediums including at additional websites or applications that may not be listed here. This privacy policy also applies to all personal information and data you provide to VectorVest of any kind or nature, for any reason.  VectorVest is committed to protecting the privacy of users of the Services. VectorVest does however gather certain types of information about the users of the Services and provides third parties with your personal information and data for business purposes and wants users to fully understand the terms and conditions surrounding the use of the information we collect and provide to third parties. The following discloses our information gathering and dissemination practices for the Services.

  1. Information VectorVest collects

Users can visit the public or “free” sections of our websites without identifying themselves or volunteering personal information. But to otherwise utilize the Services and associated features, a user must first register with VectorVest. When a user registers, we may request certain personal information, including, but not limited to, contact information, such as the users name, mailing address, telephone number, e-mail address, credit/debit card information, transactional payment information, and demographic information such as age and gender. VectorVest collects personal information when a user voluntarily provides VectorVest with this information or where such information is required or permitted to be collected by law or professional standards. Please use your discretion when providing sensitive information to VectorVest, and under any circumstances. This site is being monitored by one or more third-party monitoring software(s) and may capture information about your visit that will help us improve the quality of our service. You may control the data being collected from your visit by visiting https://sitespyiq.com through a universal consumer options page located at:

https://sitespyiq.com/Unsub/unsub.html

BY REGISTERING AND/OR SUBMITTING PERSONAL INFORMATION TO VECTORVEST, YOU CONSENT TO VECTORVEST’S USE OF THIS INFORMATION FOR BUSINESS PURPOSES AND AS DESCRIBED HEREIN AND CONSENT TO THE TRANSFER AND STORAGE OF SUCH INFORMATION TO AND IN VECTORVEST’S DATABASES IN ACCORDANCE WITH THIS PRIVACY STATEMENT. BY REGISTERING AND/OR SUBMITTING PERSONAL INFORMATION TO VECTORVEST, YOU CONSENT TO VECTORVEST’S PROVIDING AND DISSEMINATING THIS INFORMATION TO THIRD PARTIES FOR BUSINESS PURPOSES AND CONSENT TO THE TRANSFER AND STORAGE OF SUCH INFORMATION TO AND BY SUCH THIRD PARTIES. Your personal information is not used by us or provided to third parties for other purposes, unless we obtain your permission, or unless otherwise required or permitted by law or professional standards.

  1. Purposes of Data Collection 

VectorVest gathers, collects, stores, organizes, and retrieves information and data about users of the Services both collectively and individually. For example, we gather what areas of our websites users visit most frequently, what Services users access most often, and trends or patterns in responses to educational course questions. VectorVest processes personal information both as a Processor and as a Controller as defined by the GDPR.  VectorVest will be the Controller for user data.  All data collected by VectorVest will be stored in SalesForce.com. All hosting is performed in accordance with security regulations.  VectorVest automatically logs IP addresses, session sources, and other data which tracks users’ access to the Services. We analyze these logs for sales and marketing purposes, as well as for system performance monitoring. These logs are analyzed for the aggregate trends and patterns they reveal about users of the Services, not for the behaviors of individual users. This information provides us with aggregate data that VectorVest may use to improve the Services. VectorVest also gathers personal information about users of the Services individually, for example for provision of customer service and support, billing, security, compliance with the VectorVest Subscriber Agreement, network management, user surveys, sales management, sales support, newsletters, marketing, user group memberships, event registrations, sponsorships, offers of related products and services, and other exchanges of information. We may also use the information you send to us to communicate with you via email, and possibly other means, regarding products, services, offers, promotions, or events we think may be of interest to you or to send you our newsletter, if this is in accordance with your marketing preferences.  You will always be able to opt-out of such communications at any time through the processes outlined in section 7 below.

  1. What VectorVest does with the information it collects

In addition to the foregoing, VectorVest may use aggregated personal information to determine the demographic composition of our user base and to distribute statistics and general marketplace information about VectorVest. This aggregate information does not identify specific users. Certain non-personal information regarding users is recorded by the standard operation of the Internet servers hosting the Services. This information is primarily used to provide users of the Services with an enhanced online experience. VectorVest may disclose aggregated user statistics in order to describe the Services to prospective partners, advertisers, purchasers, and other third parties, and for other lawful purposes. 

Some features of the Services may be offered in conjunction with an unaffiliated third party, such as another entity, service provider or brokerage offering or integrating with the Services and contracting with VectorVest as a vendor or with VectorVest as a client to provide the Services or integration to users. In order to provide the Services or the integration, it may be and sometimes is necessary for users and/or VectorVest to share personal information and data of users with unaffiliated third parties. 

  1. The Services, including ProfitLocker Pro ™ -- relation to Third Party Yodlee

VectorVest has a contract with Yodlee. As a client of Yodlee, VectorVest uses and integrates with Yodlee to link VectorVest user brokerage accounts with third party brokerages to VectorVest’s Services including, but not limited to, in connection with a VectorVest software product named ProfitLocker Pro™ that is for stop guidance, and to help investors analyze the holdings in their brokerage accounts, to know what to buy, when to buy and when to sell. The Yodlee software may be or is silently integrated into VectorVest’s existing platforms and Services, such that it may appear to the user or consumer of the Services, including of ProfitLocker Pro™ that he or she is interacting with VectorVest and has no idea he or she is logging into or using a Yodlee product. You understand that when you enter your brokerage account credentials and login information (i.e., username and password), account access information and/or registration information, in connection with the Services, including ProfitLocker Pro™, Yodlee has access to it and stores a copy of such information and data on its own system after the connection is made between your brokerage account and any VectorVest product or service. You understand that once Yodlee has access to your brokerage account and login information, Yodlee may and does routinely extract data from your account.  Although we hope it never happens, you understand and agree that there is always a risk that Yodlee or any third party to whom we or you disclose your information and data, might continue to use a stored copy it has made of your information and data or might otherwise violate laws related to your information and data and the use and storage thereof even after you have severed the connection between your brokerage account and the VectorVest product or service or even after you no longer provide consent to the Yodlee or third-party use of the same. Such might be the case despite any representations and assurance made by Yodlee or third parties to VectorVest that such events and use after severance will not occur. You understand and are provided notice that Yodlee has in the past been accused of aggregating individual consumer data and information, including bank account balances and transaction histories, and selling it to third parties for a fee, and that you have been given notice of Yodlee’s alleged business practices and conduct as alleged in a court Complaint concerning consumer data and information and account log-in credentials and the storage and use thereof, which have been appropriately disclosed to you.  You agree that you have been informed of the risk of Yodlee or any third party in possession of your information and data continuously accessing and extracting information from your account and selling it to third parties without your knowledge or consent, and that Yodlee’s or any third party’s involvement with your data and information might unfortunately go well beyond the limited consent provided by you to facilitate a connection between your brokerage account and VectorVest, and you willingly and knowingly assume and accept and agree to that risk. In the spirit of providing full disclosure and the facts to allow you to provide an informed consent before using and subscribing the Services, including, ProfitLocker Pro™, VectorVest wishes to advise its users and consumers of the Services and ProfitLocker Pro™ and hereby informs them that Yodlee is currently or once was a defendant party in a class action lawsuit, Case No. No. 3:20-cv-05991 filed in federal court in Northern California in August, 2020, in which the plaintiff, Deborah Wesch, alleges in the Complaint that Yodlee’s business practice of collecting, extracting, and selling personal data violates several privacy laws, such as the California Consumer Privacy Act (CCPA), California’s Financial Information Privacy Act (CalFIPA), the California Online Privacy Protection Act (CalOPPA), and the Gramm-Leach Bliley Act (GLBA) Privacy Rule. The plaintiff has alleged that once Yodlee has access to the individual’s account, Yodlee routinely extracts data from the user’s account, even after an individual has severed the connection between its bank account and the third-party service. The plaintiff has alleged that after access is revoked, Yodlee accesses the account by relying on their own stored copy of the individual’s credentials. The plaintiff has alleged that Yodlee then aggregates the data, including bank account balances and transaction histories, and sells it to third parties for a fee.  The Plaintiff alleges that Yodlee continuously accessed and extracted information from her account and sold her personal data to third parties without her knowledge or consent. A copy of the class action Complaint is here

  1. Additional Information About Disclosures to and interactions with third parties

IF A USER DOES NOT WANT HIS OR HER INFORMATION TO BE SHARED, THE USER CAN CHOOSE NOT TO ALLOW THE TRANSFER BY NOT USING THE SERVICES, OR BY FOLLOWING THE OPT-OUT PROCEDURES IDENTIFIED IN SECTION 7 BELOW. Also, please be aware that advertisers or websites or third parties that are linked to or integrated with the Services may and do collect personally identifiable information and data about users. The separate information and data use practices of those websites or third parties linked to or integrated with the Services, including for example Yodlee, are not covered by this privacy policy. VectorVest is not liable or responsible for the business practices, privacy practices, conduct or the content of such websites or third parties including Yodlee, or for any violations of any laws whatsoever by such websites or third parties, including Yodlee, and VectorVest will provide no indemnity to any party for the conduct of any third parties in connection with your information or data.  This lack of liability, responsibility and/or indemnity on the part of VectorVest shall be the case even if VectorVest might be negligent in part in contracting with or using any third party including Yodlee or in disclosing or sharing information or data with any third party. VectorVest utilizes other companies to provide limited services on its behalf, including but not limited to customer support, web analytics, data aggregation, integrations, coordination of mailings and event management. These companies are permitted by us, in our contracts with them, to access only the information they require to perform those services. VectorVest requires these companies to maintain the confidentiality of any personal information and data and prohibits them from using the information for any other purpose than the purpose for which it was collected or that is unlawful. You always assume the full and total risk however that all third parties with whom we share your information and data may not abide by the contractual terms and may violate laws with respect to your information and data and the use, sharing and storing thereof, and VectorVest does not represent or warrant that such third parties are reliable or lawful in their business practices or concerning privacy. The personal information and data users of the Services supply to VectorVest may also be given, sold, rented, loaned, disseminated, or disclosed to third parties outside of VectorVest for sales and marketing purposes and solicitations. If a user does not want his or her information to be shared, the user can choose not to allow the transfer by not using the Services, or by following the opt-out procedures identified in section 7 below. A user also can view their information, have errors corrected, or have their information transferred. The personal information and data users of the Services supply to VectorVest may also be given, transferred, disseminated, or disclosed to third parties under special circumstances, such as when we believe in good faith that disclosure is reasonably necessary to (i) comply with legal process, (ii) enforce any terms of use of the Services, (iii) respond to claims that any content provided by using the Services violates the rights of third parties, (iv) protect the rights, property, or personal safety of VectorVest, its users, or the public, (v) enter into or comply with a contract, or (vi) complete an audit of any kind. Please know that VectorVest may be required to release an individual’s personal information in response to a lawful request by public authorities especially to accommodate national security or law enforcement requirements. Before any user’s personal information or data will be transferred by us to third parties for commercial purposes, including for sales and marketing, we will use best efforts to first obtain from the third party a contract assuring that it too abides by the Privacy Shield Frameworks as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of data from the European Union or Switzerland, or in the alternative we will obtain a written agreement from the third party that it will adhere to the Privacy Shield Frameworks. In cases of onward transfer to third parties of data of EU or Swiss individuals received pursuant to the Privacy Shield Frameworks, VectorVest is potentially liable. To learn more about the Privacy Shield program, and to view VectorVest’s certification, please visit https://www.privacyshield.gov/ VectorVest uses technical, organizational, and administrative security measures to protect information we hold in our records from loss, misuse, and unauthorized access.  Unfortunately, no company can guarantee full security.  User accounts are protected by a password for privacy and security. Users must prevent unauthorized access to their account by selecting and protecting their password and limiting access to their computer or device and browser. Personal Information a user submits to VectorVest may be sent, stored, and processed in the United States, Europe, or any other country in which VectorVest or its subsidiaries, affiliates, or service providers maintain facilities. VectorVest may transfer information collected about users, including personal information, to affiliated entities or other parties across national borders.  If you are located in the European Union or United Kingdom, or other regions with laws governing data collection and use differing substantially from U.S. law, please note that we will not transfer information without the same or substantially similar data protections in place.  These countries may not have similar data protection laws to those in your country of residence. However, VectorVest will protect your information in accordance with this Privacy Policy wherever it is processed. VectorVest retains personal information from users for as long as the user’s account is active, or otherwise for a limited period of time after that needed to fulfill the purposes for which the information was initial collected or as otherwise required by law.  VectorVest will retain and use this information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.  Billing information will be retained for a period of twenty years as of their provision to VectorVest based on tax and accounting laws.  Information regarding legal transactions between VectorVest and a user will be retained for a period of twenty years as of their provision to VectorVest based on the limitation periods set for civil claims.

  1. What is a cookie?

A cookie is a small data file that certain websites write to your hard drive when you visit them. A cookie file can contain information that allows a website to track the pages you’ve visited. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. VectorVest uses cookies to tell when a user is a repeat visitor and to let us know how the user found the site. They also allow us to automatically link users to their personalized accounts. When you create an account, VectorVest may use a cookie to store a unique, random code. VectorVest only uses this code to identify you anonymously in our database and to track the pages you visit on our site. This helps us better understand and improve areas of the site that our users find valuable. VectorVest also uses this code to enable you to enter various Services areas without having to log in each time. Some of the services will not work if you have cookies disabled.

  1. User Options — Opt-Out

Users of the Services should contact us at the address below with any questions about the information that we collect from users. Users may opt out of receiving any future direct marketing or promotional electronic mailings from VectorVest by following the unsubscribe procedures indicated in the mailing. Additionally, if a user does not want his or her information to be shared, or does not wish to receive telephone solicitations, users may opt out of the sharing or solicitations by calling us at (888) 658-7638, writing to us at the address below, or emailing us at support@vectorvest.com, indicating that he or she wishes to opt out.  Users will still receive non-promotional communications such as service-related emails.

  1. User Access to Information

VectorVest acknowledges the individual’s right to access their personal data. VectorVest offers users the ability to edit, correct, change, delete, or transfer the information and data collected during registration or exercise any other subject right available to users under the EU General Data Protection Regulation. Users may access this information at any time and as often as necessary by choosing the “Update your customer profile” option or other similar functionality offered in the Services. To access or change your personal information, log in to your account through the Services. For editing data not available through such an account, please call us at (888) 658-7638, write to us at the address below, or email us at support@vectorvest.com.

  1. Security

All user personal information stored by VectorVest is stored on servers at a location designed specifically to ensure that no unauthorized individuals have access to the server or its data. We also have appropriate managerial procedures in place to safeguard the information we collect.

  1. European Data Protection for Residents of the EU or Switzerland

VectorVest complies with the EU-US Privacy Shield Framework and the Swiss-US Privacy Shield Framework as set forth by the US Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland to the United States. VectorVest has certified to the Department of Commerce that it adheres to the Privacy Shield Principles. If there is any conflict between the terms in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification page, please visit https://www.privacyshield.gov/

  1. Complaints and Dispute Resolution for Residents of the EU or Switzerland

In compliance with the EU-US and Swiss-US Privacy Shield Principles, VectorVest commits to resolve complaints about your privacy and our collection or use of your personal information. The Federal Trade Commission has jurisdiction over VectorVest’s compliance with the Privacy Shield. European Union or Swiss individuals with inquiries or complaints regarding this privacy policy should first contact VectorVest via: Call us at +1 (888) 658-7638, write to us at the address below, or email us at support@vectorvest.com. VectorVest has further committed to refer unresolved privacy complaints under the Privacy Shield Principles to an independent dispute resolution mechanism, the BBB EU PRIVACY SHIELD, operated by BBB National Programs. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit https://bbbprograms.org/privacy-shield-complaints/ for more information and to file a complaint. This service is provided free of charge to you.

  1. Complaints and Dispute Resolution for Residents outside of the EU and Switzerland

If you reside outside of the EU or Switzerland and have any complaints about this privacy policy, or related to your personal information and data, please contact us at the address and contact information in Section 15 below.

  1. User Consent, Waiver and Release

By using the Services, users signify their assent and agreement to this privacy policy and to the collection, use and dissemination of their personal information and data, including to or by third parties, as described herein, and for the purposes and scope described and set forth herein, and you assent and agree to the risks set forth herein and associated with the use and dissemination of your personal information and data, including to third parties. VectorVest may transfer personal data outside the user’s region for certain situations, such as when necessary to perform services provided by VectorVest, for pre-contractual steps or in a user’s interest, or for other business interests that are not overridden by the user’s interests.  By registering for VectorVest Services, a user authorizes VectorVest to transfer their personal data outside the user’s region.  If a user does not agree to this policy, or to the collection, use and dissemination of their personal information and data, including to third parties, as described herein, and for the purposes described herein, and/or to the risks set forth herein, he or she should not use the Services, or follow the opt-out procedures identified in section 7 above. BY REGISTERING FOR VECTORVEST SERVICES, AND/OR BY USING THE SERVICES, YOU AND YOUR SUCCESSORS, HEIRS AND ASSIGNS DO HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVE, RELEASE ACQUIT AND FOREVER DISCHARGE VECTORVEST, INCLUDING ANY AND ALL OF ITS PREDECESSORS, SUCCESSORS, HEIRS, INSURERS, PARENTS, SUBSIDIARIES, DIVISIONS, RELATED COMPANIES, AFFILIATES, ASSIGNS, EMPLOYEES, OFFICERS AND DIRECTORS  (HEREINAFTER COLLECTIVELY THE “VECTORVEST RELEASEES”), FROM ANY AND ALL CLAIMS, LIABILITIES, DEMANDS, THREATS, AWARDS, DAMAGES, COSTS, LIABILITIES, ATTORNEY’S FEES, JUDGMENTS, ORDERS AND CAUSES OF ACTION OF WHATEVER KIND OR NATURE, WHETHER NOW KNOWN OR UNKNOWN, WHICH YOU NOW HAVE OR HOLD, OR HAVE AT ANY TIME HERETOFORE HAD OR HELD, OR MAY OTHERWISE IN THE FUTURE WOULD HAVE HELD, AGAINST VECTORVEST AND THE VECTORVEST RELEASEES ARISING OUT OF OR IN CONNECTION WITH OR RELATED OR ANCILLARY TO THE COLLECTION, USE AND DISSEMINATION OF YOUR PERSONAL INFORMATION AND DATA TO OR BY THIRD PARTIES (INCLUDING YODLEE) AS DESCRIBED HEREIN AND WITHIN THE PURPOSES AND SCOPE DESCRIBED AND SET FORTH HEREIN, EVEN IF VECTORVEST IS NEGLIGENT IN PART OR IN FULL IN ANY MANNER IN CONNECTION THEREWITH OR IN CONNECTION WITH THE USE OF THE THIRD PARTY (INCLUDING YODLEE). IN THE EVENT THE FOREGOING WAIVER AND RELEASE IS DEEMED INAPPLICABLE FOR ANY REASON, THEN YOU AGREE AND UNDERSTAND THAT IN NO EVENT SHALL VECTORVEST’S LIABILITY UNDER THIS PRIVACY POLICY, IF ANY, EXCEED THE FEE PAID BY YOU FOR THE SPECIFIC SUBSCRIPTION TERM IN WHICH THE ALLEGED EVENT CREATING LIABILITY AROSE.

  1. Changes to Privacy Policy

If VectorVest changes this privacy policy, we will post those changes at www.vectorvest.com/privacy-policywww.vectorvest.ca/privacy-policywww.vectorvest.be/privacy-policywww.vectorvest.de/privacy-policywww.vectorvest.com.au/privacy-policywww.vectorvest.co.uk/privacy-policy,  so that users will always know what information we gather, how we might use that information, and whether we will disclose it to anyone. Continued use of the Services by a user following the posting of changes to these terms will likewise mean the user accepts those changes.

  1. Contact Us

The information provided is intended to be transparent, concise, and understandable. If you have any questions or complaints regarding this policy, please contact: Ms. Linda Royer Chief Operating Officer VectorVest, Inc. 2650 W. Market Street Ste 1A Akron, OH 44333 e. lindar@vectorvest.com p. (330) 867-2814, ext. 502 f. (216) 803-0880

  1. “Do Not Track” Disclosure

California and Delaware law require VectorVest to indicate whether it honors “Do Not Track” settings in your browser concerning targeted advertising. “Do Not Track” is not yet a finalized standard, so VectorVest follows the standards set out in this Privacy Policy and does not monitor or respond to Do Not Track browser requests.

  1. Children

VectorVest does not knowingly collect or solicit personal information from anyone under the age of thirteen.  No one under thirteen years old should attempt to register for VectorVest services or send any information to VectorVest.  VectorVest will delete any information collected from a child under the age of thirteen from our services expediently once it is identified.  Should you believe a child under the age of thirteen has provided us with personal information, call us at (888) 658-7638, write to us at the address above, or email us at:

support@vectorvest.com.
  1. Texting Terms and Conditions

By providing your mobile number, checking the opt-in box and clicking "SUBMIT", you consent to receive mobile text alerts from VectorVest Inc. regarding scheduled webinars (message frequency varies depending on number of registrations). You understand that you do not have to sign up for this program in order to make any purchases or subscribe, and your consent above is not a condition of purchase. By signing up, you are confirming you are over the age of 13. You understand that we will send mobile text messages using automated technology. Carriers are not liable for delayed or undelivered messages. Message and data rates may apply. Send STOP to 40632 to cancel. Text HELP to 40632 for help. For more information, contact us at support@vectorvest.ca or call 1-704-895-4095.

Revision Date: June 17, 2022