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TERMS AND CONDITIONS / LEGAL™ agrees to make our website, model portfolios, proprietary stock-selection methodology, and other value-investing-oriented features available to you pursuant your agreement to the Terms and Conditions set forth on this page.

By subscribing to, you accept the Terms and Conditions on this page prior to subscribing and you agree to be bound by the stipulations contained herein.

We hope you have an enjoyable, profitable and problem-free experience with Please let us know if you have a problem and we will do our best to rectify the issue.




1) WHAT WE DO™ is an online newsletter published by IntelligentValue, Inc., providing education and market information related to value-based equity investment opportunities and specifically, an approach to equity investing which utilizes a combination of technical and classic value-oriented disciplines.™ is not a financial advisory service and provides no personalized financial advice. Newsletter™ contains analysis, information, forecasts and other opinions related to the U.S./world economy and specific equity markets as well as ratings, analysis, earning estimates, and proprietary stock-selection information related to specific companies whose securities are publicly traded. Subscribers assume the use of the information and opinions in the Newsletter™ entirely at their own risk and it is the sole responsibility of subscribers to investigate the accuracy, completeness and usefulness of all information they use.

2) NOT PERSONAL FINANCIAL ADVISORS Newsletter™ is not registered as an investment adviser.  We publish broad, non-personalized market analysis and forecasting, individual stock analysis, studies of inter-market relationships, sector analysis, business cycle analysis, wide-ranging investment, political, and economic opinion, and individual stock suggestions, all based upon the "publisher's exclusion" from the definition of "investment adviser" as provided under Section 202(a)(11) of the Investment Advisers Act of 1940 and corresponding state securities laws.  The Site is a bona fide publication of general and regular circulation offering impersonal investment-related opinions to subscribers and/or prospective subscribers (e.g., not tailored to the specific investment needs of each current or each prospective subscriber).

3) AS IS

All Newsletter™ publications PROMISE are provided "as is" and on an "as available" basis without warranties of any kind, either expressed or implied, including without limitation warranties of merchantability or fitness for a particular purpose. Neither IntelligentValue, Inc. nor any of its affiliates warrants that the Newsletter™ will be accurate, complete, uninterrupted or error free. does offer a 30-day no questions, 'satisfaction' guarantee for new subscribers.


You agree that under no circumstances will, IntelligentValue, Inc., nor any of its principles, employees, associates, or affiliates BE RESPONSIBLE FOR ANY LOSSES YOU INCUR in your investment activities or from use of our our opinions. Neither, IntelligentValue, Inc., nor any employee of the company handles customer funds. You are wholly responsible for the decisions you make about your investments. Past returns, implied or otherwise, are not indicative of future profits and should not be relied upon for investment decisions. is an informational publication, with content that is intended to be used as an educational tool, and therefore has no fiduciary duty to subscribers. Under no circumstance shall IntelligentValue, Inc.,, or any affiliate be liable for direct, indirect, incidental, special, punitive or consequential damages that result in any way from your use, non-use or reliance upon the Newsletter™, or that result from mistakes, omissions, interruptions or deletions of files, errors or defects in the Newsletter™, delays in operation, transmission or failure of performance. If you are dissatisfied with any Newsletter™, your sole and exclusive remedy is to discontinue reading and using the Newsletter™.


Hypothetical and simulated performance results have certain inherent limitations. Unlike actual performance records, simulated results do not represent actual trading and such simulated performance results may have under or over compensated for the impact, if any, of certain market factors.  No representation is being made that any stocks, portfolio, financial instrument, or investment will or is likely to achieve profits (or losses) similar to those shown or described in the publication. Actual performance will vary based on many factors, including market conditions and applicable fees and expenses related to actual trading. 

Past performance is not necessarily indicative of future results.  Future accuracy and profitable results cannot be guaranteed.  The data provided is based on information available at the time it is written. and its information providers disclaim any duty to update the information. In particular, by continuing to make the articles available after the date of its first publication, neither nor its information providers make any representation as to the timeliness of the information.


        a)  By subscribing/Joining, you certify that all information you provide in the registration is accurate.™ users may maintain only one active registration.  In other words, one subscription per person.  By accepting this agreement, you certify that you have no other registration with™.

        b)  You agree that you will not share your username/password or other access to Newsletter™ with any other person unless given prior approval by in writing.  Please contact us if you need to have additional password access for another party.

        c)  You will not copy nor duplicate any content in this website to share with another person unless given prior written approval.  If you would like approval to use parts of our content, please contact us.


As a registered user, you can retrieve your password at any time. If you forget either your user name/password, please go to the MEMBER'S LOG-IN page. On that page, scroll down to the section that says, FORGOT YOUR PASSWORDS?'   Enter the e-mail address you used and press the button to retrieve your passwords.


The content published on Newsletter™ is copyright protected, Copyright © 2004 - 2019, published by IntelligentValue, Inc. All rights reserved. The content may not be shared or used by any other party, with the following exceptions:

      a)  You may reprint - on an occasional basis - brief excerpts of our content if you give full credit to™ and provide a link to our site,

      b)  If you wish to quote a larger section, please contact us to receive written permission and provide us with the location, use, and exactly what content you are reprinting. As always, you must give full credit to Newsletter™ and provide a link to our site,


All subscriptions are rebilled automatically (recurring subscription payments) until you "CANCEL" the subscription by following the instructions under "CANCELLATIONS" on the Member Site Tools page.

Monthly and annual subscriptions will be billed on a monthly or annual basis, respectively, from the time of your signup until you submit an electronic request to stop the subscription. There are no advance notices of renewal sent to subscribers. You may cancel your subscription at any time and your subscription will end on the next renewal date. Annual subscribers have the option of immediately cancelling with a pro-rata refund or cancelling and allowing their subscription to continue until its normal expiration date.


As a registered subscriber, you may need to UPDATE YOUR CREDIT CARD INFORMATION from time-to-time to keep your membership active.  If your card on file expires and you receive a new card, your membership may be interrupted.  If you have to join anew, you may not be able to receive any discounts that you previously received.

If you are sent a new Credit Card, please follow these steps:

To update your card info, please submit a ticket from the Support page.


For your protection, all cancellations must be submitted after logging into the website's MEMBER'S AREA and going to the Member Site Tools Page (available from the menu links across the top of all pages in the Member's Area), then scrolling to the section of the page labeled "Cancellations." Please read and follow the instructions in that section. This system is designed to protect your personal information and insure that your newsletter subscription is not being cancelled fraudulently or in error. It also establishes a digital date and time stamp to assure accuracy of your cancellation and document the details.

Of course, we hope you'll have another look at the high performance of our model portfolios, our accurate market timing calls, and insightful commentary and decide to keep your membership. Subscriptions must be canceled at least three days before your renewal date to avoid being charged for the next billing cycle.

Subscriptions must be canceled at least three days before your renewal date to avoid being charged for the next billing cycle. For example, if you joined with a monthly subscription on the 22nd of one month, you must cancel by the 19th of another month to avoid being charged on that billing cycle. Cancellations after the three-day buffer will result in you being billed for another month.

CHARGEBACKS: Please do NOT cancel your subscription by doing a 'chargeback.'  It is wasted time and paperwork for you as well as our team. Please CONTACT US if you have any issues whatsoever and we will make every attempt to resolve the matter to your complete satisfaction. We will issue an immediate, full refund if there was any error at all on our part.


In order to allow new subscribers the chance to try risk-free, we offer both a FREE 15-day Trial and a 30-day, 100% Satisfaction Guarantee.  New subscribers may cancel at any time in the first 30 days after your paid subscription begins and receive a full refund upon request. 

The 100% Guarantee is intended to provide first-time subscribers with the reassurance they need to give us a try.  Subscribers who are returning or who have been with us for awhile should not need a satisfaction guarantee since you are familiar with the site.  The proposition of the website is the same as it's always been: profitable value investing, picking the best undervalued stocks for our model portfolio, and showing you the underlying analysis of each equity, resulting in consistent, positive performance (never a losing year since launch)!

The terms of refunds for subscribers are as follows:

•  At this time, we are unable to know when a subscription is cancelled whether you wish to receive a refund (with immediate termination of your access to the site) or continue until your current subscription expires. Therefore, it is your responsibility to send us a message (via our Support System) letting us know if you would like a refund of the remainder of your subscription. Refund requests must be made at the time of your cancellation.

•  Refunds are intended to provide assurance to first-time Members that they can join at no risk, as they are not familiar with the site, our stocks and portfolios, or other intangibles. Members are eligible for only one refund in their lifetime. Any previous refunds are recorded and if you make a second attempt from a second or later Membership, you will be denied.  You can get a legitimate first-time refund, but please don't abuse this generous system. 

•  Refund requests must be made within the first 30 days of your subscription start.  If you wait until the second month or later to cancel and ask for a refund, you are ineligible and will not receive a refund.

•  Returning Members get a 10% discount when joining again.  You are not eligible for a refund if you are a returning Member of the website.

CONTACT US IF THERE IS A BILLING ERROR: We will do everything we can to resolve any problems that you might have. If our payment systems have made a rare billing error, we will immediately issue a refund of that billing if our investigation shows an error on our part was made. We'll always work with you to find a mutually fair decision. Cancellation documentation is very straightforward because our billing company issues a time-and-date-stamped receipt to both of us. We do not honor e-mailed or telephoned cancellation requests.


You are obligated to self-assess your own financial situation or to consult with a Certified Financial Advisor (CFA) to help you assess your financial situation. You are obligated to take full responsibility for the investment decisions you make and whether the investment ideas mentioned in Newsletter™ are appropriate for you.

15) ADDITIONAL DISCLAIMERS Newsletter™ does not warrant the completeness, usefulness or accuracy of the content found on the Site. Newsletter™ also makes no representations that our content or the service itself will be delivered to you uninterrupted, timely, secure, or error-free.

Past performance is not a guarantee or indication of future results. Although believed to be accurate, our historical trades have not been audited for accuracy. We depend on our existing subscribers to let us know if an error was made in a portfolio. Errors are corrected as soon as feasibly possible.

16) Entire Agreement

If any provision in this Agreement is invalid or unenforceable, the remaining provisions will continue in full force and effect. This Agreement is governed by the Interstate Commerce laws of the United States of America and the commerce laws of the State of Colorado. We hope that any issue you may have can be quickly and easily resolved in a mutually acceptable way. If you have a problem or issue, please Contact Us first. Our goal is to make sure every subscriber is satisfied with However, should a legal matter arise that we cannot mutually resolve, you agree that it will be resolved by the Judicial Arbitrator Group (JAG), a well known and respected arbitration firm located in Denver, Colorado.

17) Our Promise to You

We promise to work smart and do our best to provide clear, actionable market analysis and value-based stock suggestions with the goal that our Premier Value Tools will make you a more successful investor.

If you ever have a concern or problem, please don't hesitate to contact us and we'll work diligently to resolve it. Conversely, if you love what you're getting from™, please let us know that also. We'd like to know if you're happy with our work - or have suggestions for changes. We invite your feedback or questions via a support ticket at any time. Please enjoy your subscription to!