Advanced Projections and AdvancedProjections.com:
Welcome to Advanced Projections! We hope you’ll enjoy being a part of our financial information community, providing macroeconomic Financial analysis and information as provided through AdvancedProjections.com (“AP”), our subscription newsletters and services, and their special websites, including proprietary macro-economic indicators, monthly updates, blog pages, and whatever else we may offer (each being a “Service,” and collectively, the “AP Services”). By using our AP Services, you’re agreeing to be bound by these Terms and Conditions (“Terms and Conditions” or “Terms”) INCLUDING THE BINDING ARBITRATION AND CLASS ACTION WAIVER DETAILED IN SECTION 7. These Terms govern your use and access to the Website and all our Services.
We may change these terms at any time, but we will post a notice on this website of any material changes. Your continued use of Advanced Projections (“AP”) and its Services means that you accept any new or modified terms and conditions. So please check back here from time to time.
Some Services are works in progress. We reserve the right to change or even eliminate them with no notice, at our sole discretion.
Except as expressly provided in these Terms and Conditions, members may only maintain one active registration with Advanced Projections. In other words, it’s one registration per person. Any use of multiple accounts or aliases on our Services, including attempts to mislead, defraud, confuse or otherwise trick us or our members, is a breach of these Terms and Conditions. Additionally, the sharing of monthly update access codes with non-subscribing users is expressly prohibited.
If you subscribe to one of our subscription-based services, you will be emailed a new access password, which you’ll need to access the Service’s subscriber-only areas. Should you wish to post a message on the blog page(s) or comment on an article or a blog, you may in future also be required to choose a username and password. As a registered user, you can update your account settings, including your email address, by going to the tab up top. There, you can also change your password at any time and your user name up to three times in a calendar year. Also, if you forget either your password or user name, you can email us from the contact form found at the bottom of AP webpages, or in reply to any one of our emails to you.
When subscribing to a subscription-based Service such as one of our newsletters, you will need to provide us with your name, email address, as well as your Paypal information. For security purposes, AP does NOT directly solicit or handle any credit card information – that is strictly and securely between you and PayPal. You certify that all information you provide is accurate. You also agree to maintain and update your information as necessary so that it remains accurate and current. In the event that any information you provide is inaccurate or not up-to-date, Advanced Projections reserves the right to cancel your subscription if periodic payments are not completed, or if emails to your email address are returned as undeliverable.
Your Services include regular periodic emails from the service, which include therein, access to our financial interpretations and recommendations, recent actionable investing guidance, and other important economic news. There is no opt out choice available for these emails as they are the main delivery mechanism for monthly updates.
Some AP Services may provide a free trial or introductory offer. If such an offer is provided, only one per household or email address is allowed at any given point in time. In addition, there is a limit of one trial per person, per family, per IP address, or per email address in any given 24-month period unless otherwise stated in the offer. From time-to-time, we offer membership fee back guarantees that extend beyond 30-days. Please note that any such promotions are available only to first time subscribers. If you previously subscribed to a service, cancelled and subsequently subscribe again, you will not receive a refund for any cancellations after the first 30 days for your membership.
Upon signing up for a free trial, you will have access to the Service for the promotional trial period. If you cancel prior to the end of the promotional offer period, your credit card or Paypal account will not be charged. If you don’t cancel your subscription within the trial offer period, we will charge you via Paypal or the primary credit card you provided during the sign-up process. You agree to pay the applicable subscription fee as set forth on this site. You may contact Member Support at subscriptions@AdvancedProjections.com to terminate your trial enrollment.
Your membership will automatically and continuously renew at your initial rate, until you notify us of your decision to terminate your membership. Most subscriptions will renew into monthly, quarterly or annual terms, regardless of the offer under which that subscription started. We will not email you about the length and price for your renewals before we charge you. Such renewals will be automatically enabled thru PayPal at the time your initial subscription is activated. If you would like to turn off automatic renewal, please contact PayPal directly, and notify us through our Member Support email.
BY PLACING YOUR ORDER, YOU PROVIDE YOUR ELECTRONIC AUTHORIZATION FOR FUTURE CHARGES AGAINST YOUR PAYPAL ACCOUNT ON FILE UNLESS YOU CANCEL. Accordingly, you agree that your membership fee or subscription will be billed automatically at the beginning of each renewal period at the then-current rate to the payment method that you used in your most recent transaction with us.
You may cancel your membership at any time in the first 30 days of the paid portion of your subscription or renewal thereof, and receive a pro-rated refund of the amount you have paid for that current period only, by contacting Member Support. Cancellations performed after the first 30 days will turn off automatic renewals, and user’s Service access will continue until the end of the paid-for period.
Any cancellations with refund requests MUST be originated through AP Member Services. AP will have thirty-days from this first notification to resolve the refund request timing and amount with the subscriber. Any additional fees and charges incurred to AP via PayPal dispute resolution will be billed back to the subscriber, along with appropriate AP handling charges. Continuing payment disputes will be wholly and entirely subject to our binding arbitration process as described in Section 7 of these terms and conditions.
Advanced Projections reserves the right to increase a Service’s fees or institute new charges upon reasonable notice. Service fees are due in advance. From time to time, Advanced Projections may offer its subscription-based services through third party vendors. In such cases, the vendor’s refund policy would apply and may differ from AP’s standard policy.
You cannot transfer your subscription to someone else, except through bequeathment or by a court order. In the event a subscription is transferred, it will continue through the end of its term and can be renewed by the new user at the then-current price and conditions. For assistance in this situation, please contact Member Services.
We reserve the right to refuse or discontinue the supply of a Service to any user at any time at our sole discretion. Non-payment and/or cancellation of automatic payments are one of the conditions under which AP will discontinue supply of Service(s).
In the event that we terminate a Service which has been paid for, you agree that Advanced Projections may transfer your subscription to another Service of equal or greater value, again at our sole discretion.
Unless stated otherwise, membership to any Service is for online and/or electronic access only. Certain future promotions may offer features that may be issued in physical form. Shipping of any goods or service associated with these promotions is limited to the US/APO. Physical fulfillment of goods or services not specifically mentioned in a promotion is at the sole discretion of AP.
All of the Content on our websites and any Service we provide is protected by U.S. and international copyright laws and is the property of Advanced Projections and/or providers of the content under license. By “Content” we mean any information, mode of expression, or other materials and services found on or through Advanced Projections and AdvancedProjections.com. This includes message boards, blogs, ratings, podcasts, chats, software, our writings, graphics, videos, and any and all other features. You can find out more information on copyright law and the Internet at http://www.templetons.com/brad/copymyths.html.
You may make one copy of the Content for your personal, non-commercial use, provided that any material copied remains intact and includes the following notice: “Copyright 2013-2020 [or whatever the current year is] Advanced Projections. All rights reserved.” Any other copying, distribution, storage, or transmission of any kind, or any commercial use of our Content, is prohibited without AP’s prior written permission. AP may also exact a fee for granting such permission, and permission will not be active until the fee has been received free and clear by AP. That means you may not sell, auction, transfer or barter your subscription or any individual publication, graphic, or textual material which we publish.
You also may not republish, post, transmit or distribute the Content to online bulletin and message boards, blogs, chat rooms, intranets or anywhere else without our expressed physical consent. You further agree not to create abstracts from or scrape our Content, for use on another website or service (including our own personal forums and blogs). In short, you may not post our Content anywhere else online. Aside from opening yourself up to liability, distributing our premium Services, information, advice and performance data to other sites and forums is unfair to our members who pay good money to receive our Content, so please do not do it.
Please note that notwithstanding the foregoing, when you post content (such as a blog post, message-board post or testimonial), you are not somehow surrendering your copyright in your expression, but you are granting us an unlimited license to use it. Specifically, by posting content, you agree that Advanced Projections has an irrevocable, perpetual and worldwide license to use, republish, distribute, reproduce, display, communicate to the public, adapt, perform, store, translate, sublicense and promote anything you post on our websites. This includes the rights to syndicate and make derivative works out of your content. If you don’t want us to use or republish your content, then please do not post it on our websites. We’ll only republish your content in context, and we’ll credit you as author (unless we’re using small quotations). We will not republish your posts in advertising without your permission.
You agree not to display any of Advanced Projections’ trademarks, graphical materials, indicator statuses, charts etc., or use them in any manner without our express written permission.
Advanced Projections champions active and open debate among our members. All we ask is that it’s done in a lawful and civil manner — be it posting on our boards, commenting on blogs or articles, or using our system to contact a fellow member in any way. Accordingly, you agree to use Advanced Projections for lawful purposes only. You may not use or allow others to use your AP membership to:
Unauthorized access of our sites is a breach of these Terms and Conditions and a violation of the law. You agree not to access our sites by any means other than through the interfaces we provide for use in our accessing our sites.
Advanced Projections may at any time, without prior notice and at our sole discretion, remove any post, terminate any membership, or take any action for violating the above sensible provisions or otherwise taking an action disruptive to any AP Service. In the event AP terminates your premium Service, you may receive a prorated refund solely at our discretion.
You are responsible for statements made and actions taken through the use of your access codes, passwords, etc., so please maintain their confidentiality. You agree to immediately notify Member Support of any actual or suspected unauthorized use of your username and password. We will not be responsible for any loss to you arising from unauthorized use of your data. AP reserves the right to edit or delete user-posted content to meet legal or ethical standards, as we have established above.
If you see something that you feel is a violation of this agreement, please notify us by emailing subscriptions@AdvancedProjections.com.
Please read this Advanced Projections Disclaimer, which is incorporated herein by reference:
Disclaimer: “Advanced Projections provides a very broad range of information and commentary via its many Services. Consequently, as a result of the diverse opinions of our staff, an AP Service may, from time to time, take actions or issue recommendations with regard to specific issues that are different from those taken or issued by another Service or function that we provide.
Additionally, AP is not an investment advisor, and we cannot provide personalized advice. AP cannot know all the relevant facts about you and your individual needs, and it cannot claim or represent that any particular one or more of our Services are suitable for you. If you want personal advice, then you should seek a professional registered investment advisor. Any published or solicited information from AP is automatically captured under the umbrella of “in our opinion”, and comes with no explicit or implicit guarantees of accuracy, especially in AP’s projections of likely future economic events.
Affiliates of Advanced Projections may provide individualized investment advice and investment products. These companies may recommend or hold securities or other financial assets mentioned in our publications. Editorial personnel have no nonpublic knowledge of our affiliates’ holdings and/or specific recommendations, and the affiliates’ personnel have no knowledge of any editorial content before it is published.
Advanced Projections may partner with third parties in order to make buying our service’s recommendations easier for you. We will not, and cannot, trade on your behalf at your brokerage. Only you can decide whether or not any financial decision or course of action is right for you, and you agree to be solely liable for any trades or other financial actions you initiate using tools and information that we or our partners provide.
Advanced Projections does not warrant the completeness or accuracy of the Content found in our Services or its usefulness for any particular purpose. And although we have the hardest-working, most talented analysts in the business, Advanced Projections makes no promises that our content or any of the Services will be delivered to you on an uninterrupted, timely, secure, or error-free basis. In fact, we’re not making any promises or warranties except that we’ll do our best to provide interesting and helpful information, education, and our unbiased analysis of relevant financial issues and data. Other than that, we reserve the right to be inadvertently incorrect or inaccurate.
Now what does all this mean? It means that you agree that under no circumstances will Advanced Projections, its employees, or its agents be liable for direct, indirect, incidental, consequential, punitive or any other type of damages resulting from your use, purchase, or downloading of any material on our Websites, or arising from or related to these Terms or the Privacy Policy, even if we have been advised of the possibility of such damages. This includes, but is no way limited to, loss or injury caused in whole or in part by our negligence or by stuff beyond our control in creating or delivering any of our Services. This disclaimer of liability applies in all 50 of the United States, U.S. Territories, and beyond.”
One of the principal tenets of AP is that the best person to handle your finances is you. By your use of our Services, you’re agreeing that you bear responsibility for your own investment research and investment decisions. You also agree that Advanced Projections, its principals and directors, its employees, and its agents will not be liable for any investment decision made or action taken by you and others based on news, information, opinion, or any other material published through our Services. AP relies on various sources of information that we believe to be accurate and reliable. There are also literally tens of thousands of data sources and compilations which we have access to and use for our analysis — most, we believe, which fairly and accurately include the financial statistics upon which our analysis relies. However, AP cannot and will not take responsibility for, or make any claims or representations about, the accuracy, completeness, or even the truth of every bit of data, information, and opinion provided through our Services. Remember: All information and content provided on or by Advanced Projections is to be used on an “as is, with all faults, we’re not perfect” basis.
Obligatory Capitalized Disclaimers of Liability:
EXCEPT WHERE OTHERWISE INAPPLICABLE OR PROHIBITED BY LAW, THE WEBSITE AND PRODUCTS AND SERVICES CONTAINED AND OFFERED ON THE WEBSITE ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. NEITHER ADVANCED PROJECTIONS NOR ANY OF OUR PARTNERS MAKES ANY WARRANTY THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL THAT YOU PURCHASE OR OBTAIN FROM THE USE OF OUR SERVICES WILL MEET YOUR EXPECTATIONS OR THAT AND ANY ERRORS WILL BE IMMEDIATELY CORRECTED. NEITHER WE NOR ANY OF OUR PARTNERS MAKES ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO OUR WEBSITES, ANY CONTENT, OR ANY OF OUR SERVICES, TOOLS, PRODUCTS, OR PROPERTIES. YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF OUR SERVICES AND THE ACCURACY OR COMPLETENESS OF THEIR CONTENT.
SOME STATES DO NOT ALLOW EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THAT OF OUR THIRD-PARTY CONTENT PROVIDERS WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. THIS DISCLAIMER OF WARRANTIES APPLIES IN ALL CASES.
Federal or state law may require that we notify you of certain events. You hereby acknowledge and consent that such notices will be effective only upon our posting them on our websites or sending them to you via the email you have on file with us. If you do not provide us with accurate information, we cannot be held liable if we fail to notify you.
If a dispute arises in connection with your use of our Services or in relation to any of these Terms (collectively, “Disputes”) our hope is that we can resolve the matter informally. Accordingly, in the event of a Dispute, we agree to first contact each other via email with a description of the Dispute and any proposed resolution. You must email subscriptions@AdvancedProjections.com with your concern and Advanced Projections will contact you via the email address we have on file for you.
If a Dispute cannot be resolved informally, we each agree that except as provided below, the Dispute will be submitted to final and binding arbitration before a single arbitrator of the American Arbitration Association (“AAA”) in a location convenient to AP. Either party may commence the arbitration process by submitting a written demand for arbitration with the AAA, and providing a copy to the other party. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures, Supplementary Procedures for Consumer-Related Disputes, in effect at the time of submission of the demand for arbitration. We will pay all of the filing costs, including arbitrator fees. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. You expressly agree to refrain from bringing or joining any claims in any representative or class-wide capacity, including but not limited to bringing or joining any claims in any class action or any class-wide arbitration.
YOU UNDERSTAND THAT YOU ARE WAIVING YOUR RIGHT TO HAVE A JUDGE OR JURY DECIDE YOUR CASE AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. YOU UNDERSTAND AND AGREE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY AND ONLY THROUGH ARBITRATION.
EXCEPTIONS
Notwithstanding the foregoing, the following will not be subject to arbitration and may be adjudicated only in the state and federal courts of Ohio: (i) any dispute, controversy, or claim related to or contesting the validity of our proprietary rights, including without limitation, trademarks, service marks, copyrights, patents, or trade secrets; or (ii) an action by a party for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory, or other provisional relief.
You acknowledge and agree that by agreeing to these Terms electronically you are expressly agreeing to the terms set forth herein. You acknowledge that your electronic submission constitutes your agreement and intent to be bound by these Terms and Conditions.
If any provision in these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. This agreement is and always will be governed by the laws of the United States of America and the State of Ohio (except with respect to choice of law). You agree that the proper forum for any claim arising thereunder will be the U.S. Court for the Northern District of Ohio, or the appropriate Ohio court.
Our Services are directed at a U.S. audience. We cannot warrant that the Services are appropriate for users outside the United States or that use of the Services is permitted under the laws of other jurisdictions. All personal data is maintained in the United States under the strict terms of our privacy policy, which is that such data is used exclusively to manage and support subscriptions to AP Services, and no other commercial uses of that data will take place.
Except as otherwise expressly stated in these Terms and Conditions, there are no third party beneficiaries to this agreement.
Please note that certain individual Services may have their own, or additional, terms and conditions. In the event of a conflict, the terms for the individual Service will control with respect to the Service in question. So please be sure to review any additional terms and conditions with respect to any specific Service that you subscribe to or use.
These Terms and Conditions, including those that are incorporated by reference, constitute the entire and only agreement between you and Advanced Projections and govern your use of our sites and information.
Last Updated: May 18, 2020