Even though all of our products are delivered electronically (as described above), for legal, service, and communication reasons we do require you to provide your name, physical address, postal code, e-mail address, and telephone number. This information is required as part of the ordering process.  If you have any concerns about how this information will be used, please click on the "Privacy/Security" tab on the navigation bar and read our "Privacy & Terms of Use Agreements."     

All fees are for a 6-month subscription or license

REFUND POLICY 

Our general policy is not to argue with a customer who wants a refund.  We don't try to talk a person out of it if he or she is unhappy with a product.  If we get a request for a refund, we may make a suggestion in our letter of acknowledgement that the customer might be happy with one of our other products because they are very different, but we will begin to process the refund without waiting for a customer to tell us that he or she does not want to try another product.  We assume that you know what you want or don't want, and that your desires are not open to dispute or "manipulation."  You need never worry that we will try to talk you into some other product or that we will try to make you change your intended course.  

Stock Disciplines does not charge a "refund processing fee" unless a purchase was made with a credit card.  It costs us to process an order paid for by credit card.  For example, the credit card company charges what it calls a "discount rate."  There are also "gateway" fees and bank service fees.  We totaled the payments made by credit card for a month and the costs of processing those payments.  The costs totaled a little over 6.18% of the amount paid.  Processing a refund through the credit card company would cost another 6.18% or more.  When a person pays for a subscription or license, we are happy to absorb the fee charged by the card company.  However, if we give the money back, we think it is only fair that the customer reimburse us for those expenses.  

Accordingly, if within the first 15 days of a subscription or license period we must process a refund for a fee paid by credit card, we first deduct 5% of the original fee paid by the customer (For example, if a customer pays a $100 fee, we will write a refund check for $95).  We do not mind returning the money of a person who is not satisfied with a product, but we do not think it is fair for us to be charged for doing so.  Therefore, in order to avoid additional expenses, we pay all refunds by check.  If the original purchase was paid by check or money order, the full amount is refunded on cancellation within the first 15 days.  Our refund policy is posted here on our Web site where any potential customer can read it.  Those who have an objection to that policy are free to pay by check or money order.  

After the first 15 days, the refund paid on the cancellation of a subscription is based on how much time is left in the subscription after the day on which notice of cancellation is received by Stock Disciplines.  If payment is made by credit or debit card, we also deduct 5% of the amount originally paid by the subscriber from the calculated unused portion of the amount paid.  The 5% charge is a standardized fee we charge to help us defray costs we incur when payments are made by credit card. 

For example, assume the amount originally paid was $100.  Assume also that we receive a notice of cancellation the day before 3 months remain in the subscription.  In that case, the refund would be 50% less 5% of $100 ($50 - $5) or $45.  On the other hand, if the subscriber paid by check or money order, the refund would be 50% of the full amount paid or $50.    

We are glad to fill a subscription order for a publication or license that the subscriber has already tried once before.  However, people who have subscribed to a publication or license in the past already know what it is like (whether they maintained the subscription for the full term or cancelled shortly after beginning).  Therefore, cancellation refunds for those people will be based on the portion of the subscription that remains unused after the day on which we receive the notice of cancellation, even if the cancellation is received by us within the first 15 days.  The 5% charge will also be applicable when payment is made by credit or debit card. 

We do not give refunds for either Stops or ATR Stops after the first 15 days or after a license renewal.  These are the only products we offer that have this refund restriction.  For first-time Stops or ATR Stops licensees, refunds are available any time within 15 days from the date we send the tool.  The day we send Stops or ATR Stops to you will count as the first day.  Customers will be sent Stops or ATR Stops with temporary operational codes that will enable the tool to function for the first 15 days of the license term.  If there is no cancellation by the end of the 15th day, we will send new codes for the remainder of the 6-month license period.  There are no refunds after this set of codes has been sent, because there is no way for us to turn off either Stops or ATR Stops once a person has both the tool and valid operational codes.  If a customer cancels within the first 15 days after we send either tool, we will refund the full amount minus 5%.  On the other hand, if a person who has already tried either Stops or ATR Stops on a previous occasion orders a new license, a refund will not be available.  That's because the individual is already familiar with the tool, so we do not send temporary operational codes.  Instead, we send Stops or ATR Stops with the codes that will work for the entire license period.   This is our policy whether the individual previously canceled within 15 days or used the programs beyond the first 15 days.  Refunds are available only for first-time users and only during the first 15 days of the first license period granted.  (To see the license Agreement, click on Agreement)

Credit card payment is fast and efficient.  We can begin a subscription or license almost immediately if you use a credit card.  We do not charge extra for a purchase made with a credit card, and we are willing to pay the fee charged by a credit card company when a purchase is made.  The only time credit card payment could cost more for you is if you ask for a refund.  In that event, we will deduct 5% from the amount of a full refund.        

NOTIICE