PLEASE READ THIS AGREEMENT BEFORE USING THE SERVICES PROVIDED BY OPTIMIZED INVESTMENTS, INC. AND ETFOPTIMIZE.COM. DO NOT CONTINUE FURTHER IF YOU DO NOT WISH TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT.

ETFOptimize.com™ agrees to make our website, model strategies, proprietary ETF-selections and other investing-oriented features available to you pursuant to your agreement to the Terms and Conditions set forth on this page.

By subscribing to any of the model strategies and other features of ETFOptimize.com, you accept the Terms and Conditions on this page, and you acknowledge the disclaimers and agree to be bound by the stipulations contained herein.

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

CONTENT QUICK LINKS:

1) WHAT WE DO
2) NOT PERSONAL FINANCIAL ADVISORS
3) AS IS
4) NOT LIABLE FOR LOSSES
5) DISCLAIMER REGARDING SIMULATED RESULTS
6) DISCLAIMER REGARDING PAST PERFORMANCE
7) SUBSCRIPTION RULES

8) LOST PASSWORDS
9) COPYRIGHT PROTECTED CONTENT
10) SUBSCRIPTION BILLING POLICIES
11) KEEP YOUR SUBSCRIPTION CURRENT
12) CANCELLATIONS
13) CHARGEBACKS
14) REFUNDS / GUARANTEE
15) BILLING ERROR
16) YOUR OBLIGATIONS
17) ENTIRE AGREEMENT
18) OUR PROMISE TO YOU


1) WHAT WE DO

ETFOptimize.com™ is an online information resource published by Optimized Investments, Inc., providing education and information related to investment opportunities and specifically, an approach to investing that utilizes a number of sophisticated, quantitatively based Exchange Traded Fund (ETF)-rotation strategies. These strategies are completely automated (have no discretionary intervention in decision-making) and rely on more than two dozen econometric and market-internal measures that are analyzed each week by programmed algorithms.

Each week the algorithms assess conditions and select the ETF(s) most likely to provide the greatest risk-adjusted return in the coming weeks and months. The objective of each strategy is to optimize investment performance while minimizing financial risk incurred, thereby maximizing risk-adjusted returns. ETFOptimize.com™ is not a financial advisory service and provides no personalized financial advice. Please be aware that if personal advice is requested, it will berefused. Please do not take this as rude – it is the law.

The ETFOptimize.com™ website contains blog posts, research papers, editorials and other content with analysis, information, forecasts, and opinions related to the U.S./world economy and specific equity markets as well as ratings, analysis, estimates, and proprietary ETF-selection details pertaining to particular proprietary trading strategies. Subscribers assume the use of the information and opinions in ETFOptimize.com™ entirely at their own risk, and it is the sole responsibility of subscribers and other users to investigate the accuracy, completeness, and usefulness of all information.

2) NOT PERSONAL FINANCIAL ADVISORS

Neither Optimized Investments, Inc. nor ETFOptimize.com™, nor any employees or officers are registered in any capacity as investment advisers. We publish broad, non-personalized market analysis and forecasting, individual ETF analysis, studies of inter-market relationships, sector analysis, business cycle analysis, wide-ranging investment, political, and economic opinion, quanitative investment strategies, and ETF-selection 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 ETFOptimize.com™ content is 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 Optimized Investments, Inc. nor any of its affiliates or vendors warrants that the ETFOptimize.com™ content information will be accurate, complete, uninterrupted or error-free.

4) NOT LIABLE FOR INVESTMENT LOSSES

You agree that under no circumstances will ETFOptimize.com, Optimized Investments, Inc., nor any of its principles, employees, associates, vendors, or affiliates BE RESPONSIBLE FOR ANY LOSSES YOU INCUR in your investment activities or from the use of the recommendations from any of the several strategies available. Neither ETFOptimize.com, Optimized Investments, Inc., nor any employee of the company handles customer investment funds. You are wholly responsible for the decisions you make about your investments. Past returns, whether actual, hypothetical, implied or otherwise, are not indicative of future profits and should not be relied upon for investment decisions.

ETFOptimize.com 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 Optimized Investments, Inc., ETFOptimize.com, 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 ETFOptimize.com™, or that result from mistakes, omissions, interruptions or deletions of files, errors or defects in the ETFOptimize.com™, delays in operation, transmission or failure of performance. If you are dissatisfied with any ETFOptimize.com™, your sole and exclusive remedies are to discontinue reading and using the ETFOptimize.com™ strategies and cancel your subscription.

5) DISCLAIMER REGARDING SIMULATED PERFORMANCE

Some of the research content and strategy performance presented in the pages of ETFOptimize.com is based on hypothetical and simulated performance results, which 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. Also, since the trades have not been executed, the results may have under-or-over compensated for the effect, if any, of certain market factors, such as a temporary lack of liquidity. Simulated trading programs, in general, are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profit or losses similar to those shown. No representation is being made that any ETFs, strategy, financial instrument, or investment will or is likely to achieve profits (or losses) similar to those shown or described in the publication. Performance will vary based on many factors, including specific market conditions and applicable fees and expenses related to actual trading. 

6) DISCLAIMER REGARDING PAST PERFORMANCE

Past performance is not necessarily indicative of future results.  Future accuracy and profitable results of investment activies cannot be guaranteed. 

7) SUBSCRIPTION RULES

a)  By subscribing to a Premium Strategy, you certify that all information you provide in your registration is accurate.

b)  You agree that you will not share your username/password, a URL, or other access information for a Premium ETFOptimize.com™ strategy with any other individual or organization unless given prior approval by ETFOptimize.com in writing. Please contact us if you have a justifiable need for additional password access for another party in your household or office. We willbe willing to work with you if the request is fair.

c) You agree that you will not post or publish URLs or passwords, or other access information for any Premium ETFOptimize.com™ strategy on the internet (digitally) or in print.

d)  We welcome other websites to quote our material and refer to our proprietary research, but we ask that you contact us first for authorization. You agree not to copy or duplicate any content on this website to share with another person or persons unless given prior written approval by the staff of ETFOptimize.com.  If you would like permission to reprint sections of our content, please contact us.

e) Should it be discovered that your passwords are being used widely to access a Premium ETFOptimize.com™ subscription strategy, and/or your passwords are being used for malicious intent, you agree that your access will be terminated forthwith and you will compensate ETFOptimize.com / Optimized Investments, Inc. for any costs incurred as a result of the breach of the terms of this agreement, with the appropriate amount determined by the Judicial Arbitrator Group (JAG), an independent arbitration firm located in Denver, Colorado, which you agree is the appropriate venue for this hearing.

8) LOST PASSWORDS

As a registered user, you can retrieve your password at any time. Passwords are managed by firm that handles both payment processing and access management. If you forget or lose your username/password, please visit the Consumer Services Support Page of our payment processor, CCBill.com. On that page, scroll down to the section that says, FORGOT YOUR PASSWORDS?' Enter the information requested and follow the instructions to instantly retrieve your passwords.

9) ALL CONTENT IS COPYRIGHT PROTECTED

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

a)  You may reprint - on a one-time-only basis - brief excerpts (no more than three consecutive sentences) of our content if you give full credit to ETFOptimize.com™ and provide a link to our site, http://ETFOptimize.com. However, if you wish to do more than this, or more often, please contact us for permission.

b)  If you wish to quote a larger section of our content or a portion of material or a table from our proprietary research, please contact us to receive written permission. Please be prpared to provide the location of proposed use, context, and the particular content you are interested in reprinting. We are usually more than happy to accomodate users, but would like to know how our material is being utilized.

10) SUBSCRIPTION BILLING POLICIES

All subscriptions are rebilled automatically (recurring subscription payments) on a monthly schedule, from the time of your signup until you submit an electronic request to stop the subscription. You may cancel your subscription at any time and your subscription will end on the next renewal date (see #12 below for cancellation policy).

11) KEEP YOUR SUBSCRIPTION CURRENT

As a subscriber, you may need to UPDATE YOUR CREDIT CARD INFORMATION from time-to-time to keep your membership active. If your credit card on file expires and you receive a new card, your membership will be interrupted if you do not update your information. Be aware that if you have to join anew, you will likely not be able to receive any prior discounts or promotions that you previously received. However, there is a solution:

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

To update your card info, please visit the Support page of our online payment processor, CCBill.com. On this page, you will find several ways to contact the company to update your credit card information. By using this feature, you should be able to maintain your subscription uninterrupted.

12) CANCELLATIONS

To cancel your subscription, please visit the Customer Support page of our payment processor/subscription manager, CCBill.com at this link: https://support.ccbill.com, and complete the form and submit, or use one of the other methods provided to cancel your subscription.

Important: 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 and your subscription will expire at the end of the following 30 days.

13) CHARGEBACKS

Please do NOT cancel your subscription by doing a 'chargeback.'  It is wasted time and paperwork for you as well as for our team. Unless there has actually been fraud involved by a third party, there should be no reason for a chargeback. ETFOptimize will challenge all frivolous chargeback efforts. 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 is any error at all on our part.

14) REFUNDS / SATISFACTION GUARANTEE

To allow new subscribers the opportunity to try ETFOptimize.com risk-free, we offer a 60-day, 100% Money-Back Guarantee. New subscribers may cancel at any time in the first 59 days after their paid subscription begins and receive a full refund upon request, no questions asked.

The 100% Money-Back Satisfaction Guarantee is intended to provide first-time ETF-strategy subscribers with the reassurance they need to give quantitative investing a try!

The terms of refunds for subscribers are as follows:

•  It is your responsibility to send us a message (via our Support System) letting us know if you would like a refund of your initial 60-day subscription. Refund requests must coincide with cancellation requests.

•  Refunds are intended to provide assurance to first-time subscribers that they can join at no risk, as they are not familiar with our systematic strategies or their performance. ETFOptimize.com subscribers are eligible for only one refund in their lifetime. All refund records are permanently maintained and if subsequent refund attempts will be denied.  You are welcome to a legitimate first-time refund if you are unsatisfied, but please don't abuse this generous system which is in place to help instill confidence. 

•  Refund requests must be made within the first 59 days after your subscription begins.  If you wait until the third month or later to cancel and ask for a refund, you are ineligible and will not receive a refund.

•  You are not eligible for the refund offer if you are a returning subscriber of the ETFOptimize.com website and starting another subscription.

15) BILLING ERRORS

Please contact us if you discover a billing error. We will do everything we can to resolve any problems that you might have. If our payment processor has made a rare billing error, we will immediately issue a refund of that billing if our investigation shows the error on our part.


16) YOUR OBLIGATIONS

You are obligated to self-assess your own financial situation or to consult with a Certified Financial Advisor (CFA) or Registered Investment Advisor (RIA) to help you assess your economic situation and appropriate investments. You are obligated to take full responsibility for the investment decisions you make and self-determine whether the ideas discussed in ETFOptimize.com™ are suitable for you.

17) ENTIRE AGREEMENT

The parties intend that this agreement, together with all attachments, schedules, exhibits, and other documents that both are referenced in this agreement and refer to this agreement,

17.1  represent the final expression of the parties' intent and agreement between the parties relating to the subject matter of this agreement,

17.2  contain all the terms to which the parties agreed relating to the subject matter, and

17.3  replace all the parties' previous discussions, understandings, and agreements relating to the subject matter.

If any provision of 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 question, please Contact Us first. Our goal is to make sure every subscriber is satisfied with ETFOptimize.com.

However, should a legal matter arise that we cannot mutually resolve, you agree by consummating a paid subscription that any and all legal issues will be heard and determined by the Judicial Arbitrator Group (JAG), an independent and respected arbitration firm located in Denver, Colorado, which you agree is the appropriate venue.

18) OUR PROMISE TO YOU

We promise to provide clear, actionable ETF trading recommendations with the goal that our Premium Strategies will make you a more consistently successful investor. The objective of every strategy is to provide steady, highly profitable, ETF-based returns each and every year, regardless of the market environment.

HOW TO CONTACT US / PROVIDE FEEDBACK

If you ever have a concern or problem with the site, please don't hesitate to contact us and we'll work diligently to resolve it.

We'd also like to know if you're happy with ETFOptimize.com's current product offerings or if you have suggestions for additions/changes. We invite your feedback or questions via a support ticket at any time. Thank you for your patronage!

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