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SHIPPING & CHARGES We do not levy shipping charges, handling fees, or other fees related to processing and filling an order. However, we may sometimes charge a fee if we have to process a refund (see below). We "deliver" our products as follows.1. The Valuator is available in The "Subscribers Only" section of the Web site. Some information is immediately viewable when you enter the section dedicated to The Valuator. The spreadsheet is also available for download there by clicking on a link. The Valuator's eight lists of its top 44 ranked stocks for lowest PE ratio, lowest PEG ratio, highest dividend yield, and so on, are both viewable and downloadable. The Valuator is also available in hard copy for $135 (delivered by regular mail and paid for by check or money order only). 2. The Stock-Scanner charts, StockAlerts, Strongest Stocks, and Strongest ETFs are viewable on the site. Subscribers may copy or print the charts or alert lists for their own use. 3. Stops is sent as an e-mail attachment. We do not send copies on a CD. You must have Microsoft's Excel on your computer in order to use it. Even though most 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."
REFUND POLICY Stock Disciplines does not charge a "refund processing fee" unless the 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 30 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 30 days. Our refund policy is posted 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 30 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 6 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 during the first 30 days. The 5% charge will also be applicable when payment is made by credit or debit card. For first-time Stops licensees, refunds are available any time within 30 days from the date we send the tool. The day we send Stops to you will count as the first day. Customers will be sent Stops with temporary operational codes that will enable the tool to function for the first 30 days of the license term. If there is no cancellation by the end of the 30th day, we will send new codes for the remainder of the year. There are no refunds after this set of codes has been sent. There is no way for us to turn Stops off once a person has both the tool and valid operational codes. If a customer pays by credit card and cancels within the first 30 days after we send the tool, we will refund the full amount minus 5%. (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. If your original payment is made by check or money order and we pay the refund by check, nothing will be deducted from the amount you originally paid. However, when you pay by check or money order you must complete and send with your payment our "Pay By Check or Money Order" form with the "Promise and Affirmation" and "Terms of Use" sections signed by you. You must not place items in a "shopping cart" if you are paying for them by check or money order. The shopping cart must always be used for credit card purchases, but it must never be used when payment is made by check or money order.For information on how to pay by check or money order, send us an e-mail requesting information.
Because we deliver all our products electronically, they are especially susceptible to piracy. We believe most people are honest and that piracy is committed unintentionally. To clarify issues for people who might otherwise commit unintentional piracy, we require ALL customers to send us a "Promise & Affirmation" statement. This statement is incorporated in the order form a customer submits when ordering by credit card. If a person pays by check or money order, the "Promise and Affirmation" is still a requirement. Before we send ANY product paid for by check or money order, we must receive a "Promise and Affirmation" to which the customer has affixed his or her name (a typed name is acceptable). Without this promise, we will not deliver the product. For information regarding this requirement, please click on the word "NOTICE" that heads this paragraph.
. . Links To Other Places On This Web Site Stop Losses Stops Products The Valuator StockAlerts Trading Tools About Us Contact Us Fees & Refunds Links Index . All pages on this Web site are protected by copyright Copyright 2010 by Stock Disciplines, LLC No part of this publication may be reproduced or distributed in any form by any means. .
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"But thou shalt remember the Lord thy God: for it is he that giveth thee power to get wealth." Deut. 8:18
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