NO SHIPPING CHARGES, but MAYBE ONE EXTRA FEE 

We do not levy shipping charges, handling fees, or other fees related to processing and filling an order.  However, we do charge a little if we have to refund a fee paid by credit card (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 available 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 also available by clicking on a link. 
2.  Lists for the Stock-Scanner, StockAlerts, Strongest Stocks, Strongest ETFs, and all other subscriptions are viewable on the site.  Subscribers may copy or print the alert lists for their own use. 
3.  Stops and SD Stops are sent as e-mail attachments.  We do not send copies on a CD.  You must have Microsoft's Excel 2007 or later on your computer in order to use them.  Though it is possible to order these calculators online and pay by credit card, it is not possible to do so at the same location where subscriptions are ordered.  To order, send us an e-mail and let us know you want to place an order.  We will give you instructions on how to proceed.  Our e-mail address is on the "Contact Us" page.    

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."    

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.  If you conclude that a particular service is not for you, but you think another service might meet your needs, simply let us know.  We will switch you to the other service.  Do NOT cancel and then order a new subscription.  Canceling a service, generating a refund, and mailing a check takes time and resources unnecessarily if a person simply wants to try another service.  We will stop accepting orders from people who repeatedly cancel and then order something else.         

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 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 a subscription was originally 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 a 6-month 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 that the subscriber has already tried once before.  However, people who have subscribed to a publication 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. 

Stops and SD Stops

You may have noticed that we previously said we could not turn these tools off remotely once we sent them to a potential licensee.  Therefore, we did not offer a trial period.  We believe we have solved that problem.  The tools now use two completely independent timing mechanisms.  That facilitates several operations that support our own need for security and also a potential licensee's desire for a trial period.  For security purposes, the tool will now destroy its own usefulness as a stop loss calculator if there is unauthorized tampering (changes are subtle but effective).  Also, we can offer a trial period and program the tool to automatically shut down if new valid codes are not entered after the trial period.   

For first-time licensees, refunds are available any time within 15 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 or SD 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 automatically send new codes for the remainder of the 6-month license period.  There are no refunds after this set of codes has been sent, whether they have been received or not.  That is because there is no way for us to turn a stop loss calculator off once a person has both the tool and valid Operational Codes.  See the License Agreement for details about the trial period.  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.  Pay by check information.   

For information on how to pay by check or money order, send us an e-mail requesting information.

   

NOTIICE

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.

 

     

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