Privacy Policy & Terms of Use

Privacy Policy

Updated September 17, 2012

This web site is wholly owned and published by Investor Research Institute, LLC (“Investor Research Institute”). We have created a privacy statement in order to demonstrate our firm commitment to your privacy. The following discloses our information gathering and dissemination practices for this website.

By visiting the Investor Research Institute web site(s), Users agree to the Terms & Conditions outlined within our Terms of Use Agreement and Privacy Policy. It is the Users’ responsibility to read and understand these two Investor Research Institute documents (Terms of Use Agreement and Privacy Policy) prior to reviewing any information from Investor Research Institute, signing up for any free or paid subscription newsletter service, or submitting any personal information to our firm.

Information Investor Research Institute Gathers and Tracks

Investor Research Institute gathers many pieces of information for use in fulfilling user requests. This information includes, but is not limited to name, email address, phone number, postal address, billing address, IP address, time and date login information. This information is used to fulfill requests and allows our staff to better serve users.

The information that Investor Research Institute collects is kept confidential unless otherwise specified. Investor Research Institute does sell advertising to companies interested in targeting our users.

Registration Pages & Advertising

Investor Research Institute collects Users’ information at the time of registration through the web site. This information is collected by Investor Research Institute and stored on our secure web server.

Investor Research Institute often offers selected offers from our partners as part of the registration process for certain sites, services, and products. These offers are designed to assist users by providing them with valuable information, products, and services from partners who we believe will complement user interests. Investor Research Institute in no way endorses the products or services of these advertisers. When a user elects to receive one of our partner’s offers, they are agreeing to receive information from that advertiser. As part of this advertising program, Investor Research Institute will provide the advertiser with the required information required to fulfill the users request. This includes, but is not limited to name, postal address, email address, and phone number.

Marketing Messages from Third-Party Sponsors

Investor Research Institute offers a free e-mail newsletters.

We operate in compliance with CAN-SPAM legislation, and maintain a “Do Not Mail” list of e-mail addresses which will not receive future correspondence from Investor Research Institute.

Instructions for adding an e-mail address to this “Do Not Mail” list are specified within e-mail correspondence from Investor Research Institute (with the exception of paid subscription newsletter issues).

E-mail addresses provided to Investor Research Institute are kept on a secure server. Investor Research Institute does not share e-mail address with other firms. Investor Research Institute does however make available our e-mail subscriber list to selected advertisers. E-mail advertisers who wish to advertise to Investor Research Institute’s members are required to comply with CAN-SPAM legislation, and provide Users with an easy process of removing from future offers, as well as provide a “Do Not Mail” option for members who do not wish to receive any further communication from a specific advertiser. Users agree to receive offers directly from Investor Research Institute as well as sponsorship messages from our partners. Users can elect to discontinue receiving third party advertisements from Investor Research Institute, while continuing to receive free newsletter content. Investor Research Institute will never sell email addresses, postal information or otherwise transfer to third parties the email addresses of our subscribers. Investor Research Institute will directly send third party advertisements to Users.

Investor Research Institute does not control the practices of our advertisers. If you have questions about how one of our advertisers uses information about you when you click their ad and go to their content, please contact them directly.

Delete/Deactivate Policy

Users may unsubscribe to any of our electronic newsletters at any time by following the instructions contained at the end of every newsletter, or through our web site. This includes being permanently removed from our list of active subscribers, as well as being


Terms of Use

Updated September 17, 2012

NOTE: The lawyers convinced us that we had to have all this legal language on the site. We’re sorry that it is lengthy, but that’s how lawyers get paid – by the hour. This means they get paid more for lengthy documents such as this. We apologize – we don’t like lawyers either.


It is understood that Investor Research Institute, LLC (hereinafter referred to as ‘Investor Research Institute’, ‘our’, or ‘we’), is an online publisher of information relating to personal finance and investing. It is also understood that Users of the site (hereinafter referred to as ‘Users’, ‘Subscribers’, or ‘you’) operated by Investor Research Institute are interested in, and seeking information relating to publicly traded securities in the U.S. and elsewhere.

By visiting the Investor Research Institute web site(s), Users agree to the Terms & Conditions outlined within our Terms of Use Agreement and Privacy Policy. It is the Users responsibility to read and understand these two Investor Research Institute documents (Terms of Use Agreement and Privacy Policy) prior to reviewing any information from Investor Research Institute, signing up for any free or paid subscription newsletter service, or submitting any personal information to our firm.

This website and the materials and information on this website are provided by Investor Research Institute and may be used for informational purposes only. By using this website, you represent that you have read and understand these terms and conditions and agree to be bound by these terms and conditions. Furthermore, by using this website, you represent that (i) you have the capacity to be bound by these terms and conditions and (ii) if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity. If you do not agree to these terms and conditions, do not use this website or download any materials from this website.

Investor Research Institute may amend or revise these terms and conditions at any time. By using this website, you agree to be bound by these terms and conditions as in effect from time to time. Please review these terms and conditions regularly.

Informational Purposes of Content

Investor Research Institute is an online publisher of investment and personal finance content. Investor Research Institute is neither a registered investment advisor, broker/dealer, or research analyst/organization. Readers are advised that this electronic publication is issued solely for information purposes and should not to be construed as an offer to sell or the solicitation of an offer to buy any security. Users are advised to conduct their own due diligence as it relates to any investment decisions. User may also benefit from discussing specific investments with a financial advisor. All information published by Investor Research Institute should be independently verified.


The opinions and statements included herein are based on sources believed to be reliable and in good faith, but no representation or warranty, express or implied, is made as to their accuracy, completeness or correctness. We have not independently verified the information contained herein.

This information is not intended to be used as the sole basis of any investment decisions, nor should it be construed as advice designed to meet the investment needs of any particular investor. Investors who have an independent financial advisor may benefit from discussing their investments with that advisor prior to making any decisions with respect to any investment in the securities mentioned herein.

You should review a complete information package on all companies, which should include, but not be limited to, the company’s annual report, quarterly reports, press releases and all regulatory filings. All information should be independently verified with any perspective investment. Investor Research Institute does not purport to be a complete analysis of every material fact respecting any company, industry, or security.

Any opinions expressed on this site are statements of judgment as of the date of publication and are subject to change without further notice, and may not necessarily be reprinted in future publications or elsewhere. Neither Investor Research Institute nor its members, managers, officers, or employees/consultants accept any liability whatsoever for any direct or consequential loss arising from any use of its publications or their contents.

Ownership of Materials

Except as otherwise indicated, this website and its entire contents (collectively, the ‘Materials’), including, but not limited to, the text, information, material, software and graphics contained on this website, are owned by Investor Research Institute, and its affiliates. The Materials are protected by copyright, trademark, and other intellectual property laws and treaties. Investor Research Institute makes no proprietary claim to any third party names, trademarks or service marks appearing on this website. Any third party names, trademarks, and service marks are the properties of their respective owners. Except as provided in the next sentence, the Materials may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted, or distributed in any way, without Investor Research Institute’s prior written permission. You may download one (1) copy of the Materials on a single computer only for your personal, non-commercial, internal use. You may not (i) modify the Materials or use them for any commercial purpose, or any other public display, performance, sale, or rental, (ii) decompile, reverse engineer, or disassemble software materials, (iii) remove any copyright notice or other proprietary notices from the Materials, or (iv) transfer the materials to another person.


Users agree to indemnify and hold Investor Research Institute, its employees, its officers, and its agents harmless from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from member’s use of this web site or from member’s violation of this Agreement or any third party’s rights including but not limited to copyright, property, and privacy rights. This indemnification and hold harmless obligation will survive this Agreement and member’s use of this web site.

Links to Third Party Web Sites

This web site contains hyperlinks to other web sites operated by parties other than Investor Research Institute, and other resources and advertisers. Such hyperlinks are provided for member’s reference only. Investor Research Institute is not responsible for the availability of these external sites nor is it responsible for any of the contents, advertising, products, or other materials on such external sites. Investor Research Institute inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators. Under no circumstances shall Investor Research Institute be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused in connection with the use of or reliance on any content, goods, or services available on such external site. Any concerns regarding any external link should be directed to its respective site administrator or webmaster.