Privacy TopStockTips

Last Updated: February 7, 2023

IA Media, LLC (“IA” or “we”, “our” or “us”) operates the technology used in communication services for www.TopStockTips.com, which include podcasts, newsletters, websites, SMS messages, paid products, merchandise, mobile apps and related social media pages (collectively, the “Services”). For more Information please contact support@TopStockTips.com

We respect the privacy of users of the Services. This Privacy Policy supplements our Terms of Service and is intended to educate you on our policies and practices regarding the collection, use and disclosure of any Personal Information (defined below) and Anonymous Information (defined below).

Please review this Privacy Policy carefully. By using or accessing the Services, signing up for newsletters or subscribing to podcasts and/or communicating with us, you are accepting the terms of this Privacy Policy.

If you are a resident of California, the EEA, the UK, Switzerland, or Canada please see the terms specific to California, European and Canadian users, respectively, below.

1. USER CONSENT/LEGAL BASIS

“Personal Information” is information about you that is personally identifiable to you, like your name, address, and email address, as well as other non-public information that is associated with the foregoing. “Anonymous Information” is information that is not associated with or linked to your Personal Information; Anonymous Information does not allow the identification of individual persons. We collect and use Personal Information and Anonymous Information as indicated in this Privacy Policy.

When you submit any Personal Information through the Services, you agree to the terms of this Privacy Policy and you expressly consent to the treatment of your Personal Information defined in this Privacy Policy.

Other legal basis for collecting Personal Information are: (i) where we need the Personal Information for performance of a contract or requested service; or (ii) where the collection and use is in our or another’s legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms. In some cases, we may also have a legal obligation to collect the Personal Information in question. If we collect your Personal Information with your consent, you may have the right to withdraw your consent at any time as provided in the terms specific to California, European and Canadian users, respectively, below.

If you reside or are located outside of the United States, you understand and agree that we may (i) collect, use, disclose and otherwise process the Personal Information you provide even if you are located outside the United States and (ii) collect, use, maintain, store, disclose and otherwise process your Personal Information using servers and systems located within the United States.

2. INFORMATION COLLECTED

We may collect Personal Information that you submit to us directly through the Services, and via passive technologies integrated into the Services, including via third parties.

You may directly submit information to us when you subscribe to a newsletter or podcast, order a product (such as our paid products), purchase merchandise, answer survey questions, or use other methods of submitting information. The types of information you can choose to provide on the Services includes:

Name, email address, zip/postal code, physical location information and contact information.

Billing and shipping addresses, credit card number, and expiration date.

Personal Information you choose to provide, including your age, gender, race/ethnicity, job title and role, industry, and employer information.

The Services also passively collect certain types of Personal Information and Anonymous Information, including through third parties. We may use pixel tags, cookies, and/or other similar technologies to collect this information. We do not use any such technologies to conduct online targeted advertising. The types of information collected passively through the Services includes:

Information relating to your devices, including: device model, operating system, browser type, unique device identifier, IP address, mobile phone number, mobile network carrier, and location (including application installations).

Please also note that most web browsers automatically accept cookies and other tracking technologies, but if you prefer, you may be able to edit your browser options to block them. Visitors to the Services who disable cookies will be able to browse most areas of the Services, but some features may not function. You can find out more information about how to change your browser cookie settings at www.allaboutcookies.org. Further, the Services do not currently recognize “Do Not Track” settings or technologies.

3. USE OF INFORMATION

We may use your Personal Information for the following general and business purposes:

To deliver Services.

To fulfill or respond to your inquiries.

To address administrative needs and communications.

To improve Services.

To contact you for internal business purposes or for marketing communications purposes. You may always choose not to receive marketing communications from IA by following the unsubscribe instructions set out in our communications

To provide notice of changes and upgrades to Services.

We may use both manual and automated systems, such as machine learning and artificial intelligence, to: analyze Personal Information and Anonymous Information to improve our Services; personalize your experience; automate certain aspects of the Services; aggregate and anonymize information; provide you certain features; and protect the safety and security of our Services.

We use Anonymous Information such as web or mobile pages you have viewed, in order to analyze request and usage patterns so that we may improve our products and services, enhance our user experience, and gather broad demographic information for aggregate use.

4. INFORMATION SHARING

We do not sell, trade, rent, or share your Personal Information with third parties for their marketing purposes, and we will not disclose financial information that is part of your Personal Information, in each case unless you request or authorize that we do so.

i. Affiliated Entities

We may disclose Personal Information to our corporate subsidiaries or affiliated entities which operate under our same internal processes and policies. Any Personal Information provided to our subsidiaries or entities affiliated with us will be treated by those subsidiaries and affiliated entities in accordance with the terms of this Privacy Policy.

ii. Service Providers

We may share your Personal Information with third party vendors and suppliers that help us provide our Services to you. These third parties provide services to us, such as email delivery services (for instance, to send you newsletters), data hosting, customer relationship management, and data analytics. You expressly consent to the sharing of your Personal Information with our contractors and third-party service providers (for the sole purpose of providing products and services to you. (Not applicable to Canadian consumers.) These service providers are contractually obligated to ensure the confidentiality of Personal Information and implement appropriate security measures.

iii. Payment Processors

We use third-party payment processors for any purchases you make through the Services. You can read more about how PayPal uses your Personal Information here: https://www.paypal.com/us/legalhub/privacy-full. Be advised that we do not have access to any Personal Information, including credit card numbers or other financial information, you provide to these processors. This Privacy Policy does not apply to them, and we do not accept any responsibility or liability for their policies. We encourage you to review the privacy policies of these third-party providers.

iv. Partner Companies

We may participate in co-branding or co-promotional agreements with third parties pursuant to which we may share Personal Information with such third parties (“Partner Companies”). For example, we may participate in agreements with Partner Companies pursuant to which we provide the Partner Companies with a URL and a customer registration page co-branded with, or private labeled by, the Partner Companies, and the Partner Companies distribute and promote the URL to its customers. A Partner Company may have access to Personal Information that we collect from their customers. As a result, if you register for the Services through a Partner Company, we may provide your Personal Information to the Partner Company. We do not control the privacy practices of these Partner Companies and we encourage you to review their privacy policies.

Under the following scenarios, we may be required or authorized by law to share your Personal Information:

If we believe it is necessary to share information in order to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving possible threats to the physical safety of any person, violations of our Terms of Use or as otherwise required by law.

If we respond to subpoenas, court orders or legal process, or if we need to establish or exercise our legal rights or defend against legal claims.

If we believe it is necessary to restrict or inhibit any user from using any of the Services, including, without limitation, by means of “hacking” or defacing any portion thereof.

We may use your Personal Information in order to provide to third parties non-personal aggregated information that does not allow you to be identified or contacted and that is combined with the Personal Information of other users (“Aggregate Information”). For example, we might inform third parties regarding the number of users of the Services and the activities they conduct while on the Services. We might also inform a company that performs services or that provides products and/or services to us (that may or may not be a business partner or an advertiser on the Services) that “50% of our users live in the USA” or that “85% of our users have purchased products and/or services which can be downloaded from the Services”. Depending on the circumstances, we may or may not charge third parties for this Aggregate Information. We may not limit the third parties’ use of the Aggregate Information.

We may disclose Anonymous Information to third parties that promote our products and services. We reserve the right to use and disclose Anonymous Information to third parties at our discretion.

5. OPT-OUT OF MARKETING EMAILS OR NEWSLETTERS

When you receive promotional communications or newsletters from us, you may “opt-out” by following the unsubscribe instructions indicated in the communication you receive. You may also opt-out of receiving newsletters and/or promotional communications by emailing support@topstocktips.com We may continue to send you communications regarding the Services, such as notices about administrative updates, transaction reports, and changes to the Services, this Privacy Policy or the Terms of Service. Where applicable, please refer to our Privacy Notice.

6. CALIFORNIA PRIVACY RIGHTS

California “Shine The Light” – As provided by California Civil Code 1798.83, if you are a California resident, you have the right to receive (a) information identifying any third party company(ies) to whom we have disclosed your Personal Information to in the past year; and (b) a description of the categories of Personal Information disclosed. To obtain such information, please email your request to support@topstocktips.com with “California Privacy Rights Request” in the subject line.

For California residents under the age of 18 and registered users, California law (Business and Professionals Code § 22581) provides that you can request the removal of content or information you posted on the App or Site. Any such request should be sent to us at support@topstocktips.com along with a description of the posted content or other information to be removed. Be advised, however, that applicable law may not permit us to completely or comprehensively remove your deleted content or for other reasons as set forth in this California law.

California Consumer Privacy Act – The California Consumer Privacy Act (CCPA) gives California consumers enhanced rights with respect to their personal information that is collected by businesses. The CCPA provides California consumers with three rights regarding their personal information.

First, California consumers can opt out of the sale of their Personal Information. However, this option is not available IA does not sell your Personal Information.

Second, California consumers can request to know:

What specific pieces of information a business has collected about the consumer;

Categories of personal information it has collected about the consumer;

Categories of sources from which the personal information is collected;

Categories of personal information that the business sold or disclosed for a business purpose about the consumer;

Categories of third parties to whom the personal information was sold or disclosed for a business purpose; and

The business or commercial purpose for collecting or selling personal information.

Third, California consumers can request that a business delete Personal Information about the consumer that a business has collected from the consumer.

IA is a covered business under the CCPA as it collects and processes the Personal Information of California consumers. This Privacy Policy provides certain required notices to California consumers. The categories of Personal Information we collect and disclose for business purposes in the preceding 12 months are described above. The CCPA also prohibits covered businesses from providing discriminatory treatment to California consumers if they exercise their rights under the CCPA.

To make a “Request to know” or “Request to Delete” your personal information, please initiate your request through our User Data Request Form. Authorized agents may also complete and submit the interactive Request Form on behalf of a California Consumer.

We will confirm receipt of your request within 10 business days. We must provide the requested information or delete your personal information within 45 days of receipt of your request, but we can use up to an additional 45 days if we let you know that additional time is needed.

Before responding, we must verify that the person making the request is the person about whom we have collected their personal information. We may ask you to provide certain, limited personal information, such as your name and email address to verify and match your identity with our records and systems. If you have an account with us, we may ask that you verify your identity through our account authentication process. This is also to protect against fraud. We will not retain this personal information or use it for any other purpose.

Also please be advised that we need to search our records and systems only for the preceding 12 months. There may be cases where we do not have any personal information about you or we are not able to verify your identity for matching purposes. Deleting your Personal Information may result in the closing of your account and inability to access the Services. However, you can always re-register at any time.

(Residents of Nevada and other states may also have similar rights to request information about or delete their personal information. To inquire about exercising these rights, please contact us at support@topstocktips.com.)

7. LOCATED IN THE UNITED STATES

IA and the Services are located in the United States and governed by US law. If you are outside the United States when you visit the Services or engage in communications with us, please be aware that your Personal Information may be transferred to, stored and processed in the United States where our servers are located. Any information you provide to us, or that we collect through your use of the Services and will be stored, processed, and transferred within, or to, the United States. Please be aware that the United States and jurisdictions other than the one in which you are located may not provide the same level of data protection as considered adequate in your country. Note that your Personal Information may be available to the US Government or its agencies under legal process in the United States.

8. USERS IN THE EUROPEAN ECONOMIC AREA (EEA), UNITED KINGDOM AND SWITZERLAND

The Legal Basis for Using EEA, UK and Swiss Personal Information

For residents of the European Economic Area (EEA), United Kingdom and Switzerland, we advise that your Personal Information will be transferred to and processed in the United States, which has data protection laws that are different than those in your country and may not be as protective. The United States has not sought or received a finding of “adequacy” from the European Union under Article 45 of the General Data Protection Regulation (“GDPR”). Our legal basis for collecting and using your Personal Information is to do so with your consent; where we need the Personal Information for performance of a contract or requested service, including to provide you with our daily Newsletter, or where the collection and use is in our or another’s legitimate interests and not overridden by your data protection interests or fundamental rights and freedoms. In some cases, we may also have a legal obligation to collect the Personal Information in question. If we collected your Personal Information with your consent, you may withdraw your consent at any time.

To exercise rights under the GDPR, please initiate your request by emailing support@topstocktips.com.

Our retention of your Personal Information and any subsequent communications are based on our legitimate interest in providing you with new and potentially relevant materials based on your geography, role, or company. As always, you can elect to opt out from receiving such future communications.

To the extent that we transfer Personal Information from the EEA, UK or Switzerland to a jurisdiction outside the EEA, UK or Switzerland that has not been adduced by the European Commission as providing adequate data protections (such as the United States), we will ensure that such Personal Information is safeguarded through appropriate contractual terms or other approved mechanisms.

Rights for EEA, UK or Swiss Residents

In addition, if you are a resident of the EEA, UK or Switzerland, you have the right to:

Find out if we use your Personal Information, to access your Personal Information, and receive copies of your Personal Information.

Withdraw any express consent that you have provided to the processing of your Personal Information at any time without penalty.

Access your Personal Information and have it corrected or amended if it is inaccurate or incomplete.

Obtain a transferable copy of some of your Personal Information which can be transferred to another provider when the Personal Information was processed based on your consent.

If you believe your Personal Information is inaccurate, no longer necessary for our business purposes, or if you object to our processing of your Personal Information, you also have the right to request that we restrict the processing of your data pending our investigation and/or verification of your claim.

Request your Personal Information be deleted or restricted under certain circumstances. For example, if a business is using your Personal Information on the basis of your consent and has no other legal basis to use such, you may request your Personal Information be deleted when you withdraw your consent.

Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your Personal Information conducted in reliance on lawful processing grounds other than consent.

If we ask you to provide Personal Information to us to comply with a legal requirement or enter into a contract, we will inform you of this and let you know whether providing us with your Personal Information is required and if not, the consequences of not sharing your Personal Information with us.

Similarly, if we collect and use your Personal Information in reliance on our or a third party’s legitimate interests and those interests are not already described above, we will let you know what those legitimate interests are.

We endeavor to apply suitable safeguards to protect the privacy and security of your Personal Information and to use it only consistent with your relationship with us and the practices described in this Privacy Policy.

To withdraw consent or exercise these rights, please contact us via email at support@topstocktips.com.

If you are not satisfied with our response, or believe we are processing your Personal Information in violation of the law, you have the right to lodge a complaint with the Supervisory Authority (also known as Data Protection Authority) or other appropriate governmental authority in your EEA Member State or Switzerland.

9. USERS IN CANADA

If you reside in Canada, you have the right to request access to your Personal Information and request the correction of your Personal Information, subject to limited exceptions set out in applicable laws.

You may also withdraw your consent to the collection, use and disclosure of Personal Information at any time, subject to legal or contractual restrictions. Withdrawal of your consent may affect our ability to continue to provide you with the Services that you have or would like to receive because the continued use and disclosure of your Personal Information is a necessary part of making the product or service available to you.

In order to exercise these rights, please contact us via email at support@topstocktips.com.

10. SECURITY

IA has implemented technical, administrative and physical security measures to protect your information from loss or theft, as well as unauthorized access, use or disclosure. While we strive to protect your information, no data transmission over the Internet is 100% secure and, consequently, we cannot guarantee or warrant the security of any information you provide, and you do so at your own risk. We cannot promise that your information will remain absolutely secure in all circumstances. We are not responsible for the circumvention of any privacy settings or security measures we may provide.

We will retain your information for the time necessary to provide a requested service, realize our legitimate business purposes and to comply with the law. We will only retain personal information for the longer of the period if: (a) required by law, or (b) there is a time-bound determination business need.

11. CHILDREN’S INFORMATION

The Services are not intended to be used by children under the age of 13 if you are in the USA or the UK, under the age of 18 if you are in Mexico, or under the age of 16 if are located anywhere else, and we will not knowingly collect Personal Information from children under these ages (as applicable). If you are under 18 years old or the age of majority in your jurisdiction of residence (whichever is higher), you will require the consent of your parent or legal guardian to agree to your use of the Services and to provide your Personal Information to us. We do not use an application or other mechanism to determine the age of users of the Services. All information provided to IA will be treated as if it was provided by an adult. If, however, we learn that a child has submitted information about himself/herself to us, we will delete the information as soon as possible.

12. SMS (Short Messaging Services)

Summary Terms & Conditions: Our mobile text messages are intended for subscribers over the age of 18 and are delivered via USA toll free number 8772243008.You may receive up to 50 message(s) per month for text alerts. Message and data rates may apply.

This service is available to persons with text-capable phones subscribing to carriers including AT&T, Verizon Wireless, T-Mobile®, Sprint, Virgin Mobile USA, Cincinnati Bell, Centennial Wireless, Unicel, U.S. Cellular®, and Boost. For help, text HELP to 8884038059, email support@topstocktips.com. You may stop your mobile subscription at any time by text messaging STOP to toll free number 8884038059.

To opt back in, text “UNSTOP” followed by the keyword to toll free number 8884038059.

13. LINKS TO THIRD-PARTY WEBSITES

The Services may contain links to and from third party websites of our business partners and various contact management services and other service providers. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for their policies. Please check their individual privacy policies before you submit any Personal Information to those websites.

Our provision of a link to any other website or location is for your convenience and does not indicate our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for these outside websites or their content. Please be aware that the terms of our Privacy Policy do not apply to these outside websites.

14. UPDATES TO PRIVACY POLICY

We may modify this Privacy Policy from time to time by posting updates on this page. If we make any significant changes to this Privacy Policy, we will contact you to inform you when required by law.

15. CONTACT US

Should you have any questions, concerns or feedback regarding this Privacy Policy, please contact us by email at support@topstocktips.com.

Disclaimer:

IA Media LLC, and their affiliates and control persons (the “Publisher”) are in the business of publishing favorable information and/or advertisements (the “Information”) about the securities of publicly traded companies (each an “Issuer” or collectively the “Issuers”) in exchange for compensation (the “Campaigns”). Persons receiving the Information are referred to as the “Recipients.” The person or entity paying the Publisher for the Campaign is referred to herein as the “Paying Party”. The Paying Party may be an Issuer, an affiliated or non-affiliate shareholder of an Issuer or another person hired by the Issuer or an affiliate or non-affiliate shareholder of the Issuer. The nature and amount of compensation paid to the Publisher for the Campaign and creating and/or publishing the Information about each Issuer is detailed under “Compensation” whenever that issuer is mentioned.

This website provides information about the stock market and other investments. This website does not provide investment advice and should not be used as a replacement for investment advice from a qualified professional. This website is for informational purposes only. The Author of this website is not a registered investment advisor and does not offer investment advice. You, the reader, bear responsibility for your own investment decisions and should seek the advice of a qualified securities professional before making any investment.

Nothing on this website should be considered personalized financial advice. Any investments recommended here in should be made only after consulting with your personal investment advisor and only after performing your own research and due diligence, including reviewing the prospectus or financial statements of the issuer of any security.

IA Media LLC, its managers, its employees, affiliates, and assigns (collectively the "Publisher") do not make any guarantee or warranty about the advice provided on this website or what is otherwise advertised above.

To the maximum extent permitted by law, the Company disclaims all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations provided herein prove to be inaccurate, incomplete, or unreliable, or result in any investment or other losses.

Publisher operated free financial news and information website(s). We do not directly sell any products or offer any personal financial advice, nor do we advocate the purchase or sale of any security or investment for any specific individual. We also do not make any guarantee or warranty about what is advertised above.

If you have questions or concerns about a product you’ve seen in one of our emails, we encourage you to reach out to that company directly.

METHODS OF DISSEMINATION

The Publisher may use various types of media (the “Media”) to disseminate the Information, at its discretion without notice to Recipients. The Information may be published on and/or through any or all the non-exclusive methods below:

Ticker Tags (as defined under heading “DISCLAIMERS AND RISKS”

websites owned, controlled and/or operated by the Publisher including but not limited to; TopStockTips.com, PTE.la, MomentumStocks.io, BullishCharts.com;

websites owned and/or operated by the Publisher’s affiliates and non-affiliates,

online communities, financial forums, trader and investor chat rooms, social media platforms and/or newsletters using online identities some or all of which may or may not be anonymous,

text message alerts,

audio services,

online live interviews,

news outlets located, coordinated or paid by the Publisher,

email communications, and

other communications sent to the Recipients from time to time.

push notifications

influencers

podcasts

online interviews

audio ads

banner ads

native ads

responsive ads

DISCLAIMERS AND RISKS

An investment in the Issuers is subject to numerous risks including but not limited to those set forth in this Disclaimer. Some but not all of these risks include:

Ticker Tagging attaches an Issuer’s name and symbol to that of a larger more successful company to create interest. Ticker Tags are click bait to get a reader’s attention so that they click on a link. Information contained in Ticker Tags is not true or complete and its sole purpose is to cause a Recipient to click a link to a webpage so that the Recipient is provided with the Information.

The Campaigns vary between Issuers. Campaigns may consist of dissemination though one or more types of Media while other Campaigns may use one or more different types of Media. Different types of Media may be disseminated at different times to different Recipients. Some types of the Media may be disseminated for longer periods of time than other types of Media. The Media may be coordinated in a manner designed to create an increase in the volume and trading price of an Issuer’s securities for a temporary period of time. You should not consider increases in volume and price of an Issuer’s securities during a Campaign as an indication or measure of value or price.

The Publisher may disseminate the Information multiple times and at different times that are minutes, hours, days, weeks or even months apart. As such, the Information may be viewed by Recipients at different times that are minutes, hours, days or even weeks apart. Typically, the earlier the Recipient receives the Information, the lower the price at which he or she can purchase an Issuer’s securities. As a result, the later a Recipient receives the Information, the more likely it is that the Recipient will suffer increased trading losses if he purchases the securities of an Issuer. Recipients who receive the Information at later times will likely pay prices which are higher than the prices paid by Recipients who receive the information earlier in the Campaign. Temporary volume and price increases will likely result from Recipients buying an Issuer’s securities during the Campaign. If you invest in an Issuer’s securities based upon these temporary volume and price increases, you will likely lose your investment.

The Publisher does not publish negative information because it is compensated to publish only favorable information. The Information is a one-sided incomplete favorable snapshot and as such, the Information is not balanced, complete, accurate, truthful or reliable. If you rely on the Information in making an investment decision, you will likely lose your investment.

The Information does not include the information necessary to make an informed investment decision. If you rely on the Information in making an investment decision, you will likely lose your investment. If you invest in the Issuers, you should be prepared to lose your entire investment without a change to your standard of living.

The Publisher receives the Information from the Issuer, Paying Party or other sources such as press releases, stock message boards or websites, the OTC Markets, Google, NASDAQ, NYSE, Yahoo, Bing, the Securities and Exchange Commission’s (“SEC”) Edgar database or other available sources. Information derived from these sources should not be deemed to be reliable, true or complete. The Publisher does not verify or assert the truthfulness, completeness, accuracy or reliability of the Information. The Publisher conducts no due diligence or investigation of the Issuers or their securities and it does not receive any verification from the Issuers concerning the truthfulness or completeness of the Information. The Publisher does not review, nor does it have the sophistication or resources necessary to analyze the financial condition, operations, business, management, risks or prospects involved in an investment in the securities of any of the Issuers. If you rely on the Information in making an investment decision, you will likely lose your investment.

Past results of an Issuer do not guarantee future performance. The Information should not be interpreted in any way, shape, form or manner whatsoever as an indication of an Issuer’s future stock price or future financial performance. If you rely on the Information in making an investment decision, you will likely lose your investment.

If the Information states that an Issuer’s securities are consistent with a future economic trend, then it should not be relied upon and should be considered as satire or an error. Even if a Recipient’s own independent research indicates that an Issuer’s securities are consistent with future economic trends, each Recipient should be aware that economic trends have their own limitations, including: (a) that economic trends or predictions may be speculative; (b) consumers, producers, investors, borrowers, lenders and government may react in unforeseen ways and be affected by behavioral biases that The Publisher is unable to predict; (c) human and social factors may outweigh future economic trends that the Publisher state may or will occur; (d) clear cut economic predictions have their limitations in that they do not account for the fundamental uncertainty in economic life, as well as ordinary life; (e) economic trends may be disrupted by sudden jumps, disruptions or other factors that are not accounted for in economic trends analysis; in other words, past or present data predicting future economic trends may become irrelevant in light of new circumstances and situations in which uncertainty becomes reality rather than predicted economic outcome; or (f) if the trend predicted involves a single result, it ignores other scenarios that may be crucial to make a decision in the event of unknown contingencies. If you rely on the Information in making an investment decision, you will likely lose your investment.

The Publisher is not nor is it qualified to act as: (i) an investment adviser or an entity engaging in activities that would be deemed to be providing investment advice that requires registration either at the federal or state level, (ii) a broker-dealer or an individual acting in the capacity of a registered representative or broker-dealer, (iii) a stock picker, (iv) a securities trading or investment expert, (v) a securities researcher or analyst, (vi) a financial planner or one who engages in financial planning, (vii) a party who provides advice about buy, sell or hold recommendations as to specific securities; (viii) a clairvoyant, physic or fortune teller, or (ix) a party or an agent offering securities for sale or soliciting their purchase. References in the Information that refer to a security as a “stock pick” means it is a stock advertised by the Publisher and is not an indication the Issuer or its securities have been picked, chosen, selected, researched or recommended by the Publisher or that the Publisher is qualified to pick, chose, select, research or recommend investments or securities. If you rely on the Information in making an investment decision, you will likely lose your investment.

The Information should only be used, at most, and if at all, as a starting point for a Recipient to conduct a thorough investigation of the Issuer and its securities. If a Recipient relies on the Information in making an investment decision, the Recipient will likely lose most, if not all, of his or her investment. Under no circumstances should Recipients rely on the Information to make an investment decision or for any other purpose. If you rely on the Information in making an investment decision, you will likely lose your investment.

There is a high degree of risk in an investment in the securities of the Issuers. Recipients may encounter difficulties determining what, if any, portions of the Information are material or non-material, making it all the more imperative that each Recipient conducts its own independent investigation of the Issuer and its securities with the assistance of its legal, tax and financial advisors. Each Recipient is expressly advised to consult with its own financial, legal or other advisers prior to an investment in the securities of an Issuer. Recipients should review with these advisers, the filings and information that may be accessed at sec.gov or www.otcmarkets.com including: (i) reviewing SEC periodic reports (Forms 10-Q and 10-K), reports of material events (Form 8-K), insider reports (Forms 3, 4, 5 and Schedule 13D), and (ii) reviewing Information and Disclosure Statements and financial reports filed with the OTCMarkets.com. Issuers may not be current in their reporting obligations with the SEC and the OTC Markets and/or their securities could have negative legends and designations at otcmarkets.com. Additionally, Recipients and their advisors should obtain and review: (i) publicly available information contained in commonly known search engines such as google, and (ii) investment guides at www.sec.gov and www.finra.org.

If an Issuer is an SEC reporting company, it could be delinquent (not current) in its periodic reporting obligations (i.e., in its quarterly and annual reports) with the SEC, or if it is an OTC Markets Pink Sheet quoted company, it may be delinquent in its Pink Sheet reporting obligations, which may result in OTC Markets posting a negative legend pertaining to the Issuer at www.otcmarkets.com, as follows: (i) “Limited Information” for companies with financial reporting problems, economic distress, or that are unwilling to file required reports with the Pink Sheets; (ii) “No Information,” which characterizes companies that are unable or unwilling to provide any disclosure to the public markets, to the SEC or the Pink Sheets; and (iii) “Caveat Emptor,” signifying buyers should be aware that there is a public interest concern associated with a company’s illegal spam campaign, questionable stock promotion, known investigation of a company’s fraudulent activity or its insiders, regulatory suspensions or disruptive corporate actions.

Recipient’s use of the Information is at its own risk. The Information is provided “as is” with no warranties of any type, without limitation. The Publisher is not responsible or liable for any person’s use of the Information or any success or failure that is directly or indirectly related to such person’s use of the Information because the Publisher has specifically stated that the information is not reliable and should not be relied upon for any purpose including an investment. The Publisher is not responsible for omissions or errors in the Information and the Publisher is not responsible for actions taken by any person who relies upon the Information. The Publisher makes no warranty or representation about the Information, including its completeness, accuracy, truthfulness or reliability. The Publisher disclaims, expressly and implicitly, all warranties of any kind, including whether the Information is complete, accurate, truthful, or reliable.

The Publisher, the Paying Party or other service providers including stock promoters and advertisers (“Selling Parties”) could receive free-trading securities of an Issuer: (i) as compensation, (ii) in private or open market transactions at prices lower than the market price or price paid by Recipients, and/or (iii) in open market transactions before, during and after the Campaigns. Selling Parties may sell their securities of an Issuer at any time during the Campaigns, even while the Publisher publishes the Information instructing or encouraging Recipients to purchase securities of the Issuer. When Selling Parties sell their securities, the volume and trading price of the Issuer’s securities will likely decline. This will reduce the price at which Recipients can sell their securities and likely cause Recipients to suffer trading losses. Selling Parties may sell securities of the Issuers for less than the target prices set forth in the Information and Selling Parties may profit by selling its securities during the Campaigns while Recipients have a loss.

When Selling Parties acquire, purchase or sell the securities of an Issuer, it could (i) cause significant volatility in the Issuer’s securities; (ii) if purchasing, cause temporary but unrealistic increases in volume and price of the Issuer’s securities; and (iii) if selling, cause the Issuer’s stock price and trading volume to decline dramatically resulting in Selling Parties making substantial profits while Recipients who purchase during the Campaign experience significant losses.

The Campaigns are designed to increase the trading price of the Issuers’ securities by encouraging the Recipients of the Information to purchase an Issuer’s securities despite that the securities may not be a good investment, and the trading price of the Issuer’s securities will dramatically decline when the Campaign ends. If you rely on the Information in the Campaigns when making an investment decision, you will likely lose your investment.

If the Issuer’s trading price increases during the Campaign, it is likely the result of buying activity caused by the Campaign and such increase does not reflect the Issuer’s prospects, financial condition or an increase in the value of the Issuer’s securities. If you rely on this buying activity when making an investment decision, you will likely lose your investment.

If Selling Parties hold or are compensated in improperly free-trading securities of the Issuers, either directly or indirectly, the Selling Parties and the Issuer could be the subject to an SEC Enforcement action, including allegations of an illegal distribution in violation of Section 5(a) and 5(c) of the Securities Act which could cause you to lose your investment.

The Publisher may hire service providers to disseminate the Information about the Issuers and the Publisher may not have control over such parties. The Publisher does do not verify the Information it receives from any party or information disseminated by other service providers. As such, you should not rely on the Information when making an investment decision.

The Information may contain statements asserting that an Issuer’s stock price has increased over a certain period of time which may reflect an arbitrary period of time, and such statements are not predictive or of any analytical quality. As such, Recipients should not rely on the Information as an analysis of the present or future potential of an Issuer or its securities. If you rely on the Information, you will likely lose your investment.

If any percentage gain of an Issuer’s securities from the previous day’s close is included in the Information, it is not and should not be construed as an indication that the future stock price or future operational results will reflect gains or otherwise prove to be advantageous to an investment in an Issuer. If you rely on the previous days close as an indication of performance, it could cause you to lose your investment.

Recipients should consider the securities of the Issuers as high risk, unstable, unpredictable and illiquid which may make it difficult for Recipients to sell any securities of the Issuers that they purchase. During the Campaign the trading volume and price of the securities of each Issuer will likely increase significantly. When the Campaign ends, the volume and price of the Issuer will likely decrease dramatically. As a result, Recipients who purchase during the Campaign or as a result of the Campaign will probably lose most, if not all, of their investment.

MM’s publication of the Information involves actual and material conflicts of interest including but not limited to the following:

The Publisher receives monetary and/or securities compensation in exchange for disseminating the Information about the Issuers.

The Publisher only publishes favorable information about the Issuers and does not publish any negative information about the Issuers.

The Paying Parties likely hold securities of an Issuer which they acquired from the Issuer, affiliate or non-affiliate shareholders or from its own open market purchases before, during or after the Campaign. The Paying Parties may have acquired these securities for services or at prices lower than that paid by Recipients. The Paying Parties may sell these securities during the Campaign while the Publisher publishes the Information recommending that Recipients purchase. Selling by a Paying Party will likely cause Recipients who purchase securities of any of the Issuers to suffer losses.