Terms & Conditions

At Choose Yourself Financial we appreciate the trust our readers put in us, and we are committed to earning your trust by:

Complete transparency. We have strict corporate rules that forbid our editors from owning the stocks they recommend. All other members of our staff must wait 24 hours after any recommendation is published online or 72 hours after the mailing of a print-only publication to buy a security recommended in our pages. We also forbid any employee from accepting gifts or money from the companies we cover. And we do not accept any kind of advertising or fees from any company whose securities we have recommended.

Honoring our guarantees quickly and without question. We have a team of trained men and women who answer your calls. These folks are located right in our home office, in Baltimore. If you are ever not happy for any reason, call us.

Because we are publishers and not financial advisors, we do not provide personalized investment advice tailored to your personal situation. We make specific recommendations, but those should not be construed as personal investment advice. Also, please keep in mind that our Customer Service department is trained to only answer questions about your subscriptions. They cannot answer questions about our research, or your investments.

Since our newsletters are public, some of the particular strategies or recommendations may not be appropriate for you.

Investing, of course, also involves risk. The amount of investment risk varies among the newsletters we publish. Some are conservative, some aggressive. Some of the investments you will see recommended in our pages will cause losses. Past results never guarantee future returns—and our work cannot be and is not guaranteed. You are responsible for your own investments. Caveat emptor applies, at all times, to the investment research we sell.

At Choose Yourself Financial, we are diligent in citing sources and checking facts. Still, we cannot guarantee that we won’t occasionally print information that is unintentionally inaccurate in some way. You should always double-check any important financial information, such as stock prices or balance sheet facts, before making final decisions. We do our absolute best to never make errors, but we are not responsible for any losses you may suffer as a result of errors.

Some of the strategies we endorse in our pages may not be legal where you live. Or they may have tax consequences that are unknown and unanticipated by our analysts. We urge all subscribers to consult with licensed brokers and asset managers for questions regarding investments.

In much of our work, we use “price limits,” which means buying a stock below a certain price, or selling it above a certain price. This information is frequently critical to our specific recommendations. Never rely on our advertisements for financial information. Always consult the most recent editions of our publications for the current status of any recommendation.

Many of our publications also contain “model” portfolios that attempt to approximate the results a subscriber may have obtained by following the strategies and the recommendations discussed in the publication. We do not make any claim that our subscribers will achieve results that are even approximate to these examples. The model portfolios serve only to track the hypothetical results of a newsletter recommendation at the time it is made, not an actual portfolio.

All of our publications are copyright protected.

We kindly ask that you not reproduce, distribute, transmit, disseminate, sell, publish, display, broadcast, circulate, photocopy, or forward any part of any of our publications, reports, emails or websites to anyone, including but not limited to: colleagues in your office; family members; or your professional representatives, such as your broker, without the express prior written consent of Choose Yourself Financial.

Software has been installed on our web servers, and will be in installed on your Internet browser when you login, that will let us know if you have shared your password with another user. Software also enables us to determine if you share our copyrighted materials via email, or if you make multiple copies of our newsletters. Any such digital proof that a subscriber has violated this user agreement will result in the immediate termination of their subscription, without a refund.

In other words, we take our copyright seriously. We will bring legal action to ensure our rights are respected by all subscribers, at all times, in all countries. The Copyright Act imposes a fine of up to $150,000 per issue for infringement—no exceptions.

We hope that you enjoy and benefit from our work, and look forward to doing business together for many years to come.