Access to This Site
YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEB SITE, NO INFORMATION OBTAINED BY THIS WEB SITE, FALLS WITHIN THE CHILDREN’S ONLINE PRIVACY PROTECTION ACT (COPPA) AND IS NOT MONITORED AS DOING SO.
To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete. If Markets Compass believes that the information you provide is not correct, current, or complete, we have the right to refuse you access to this site or any of its resources, and to terminate or suspend your access at any time, without notice.
Note Related to Canada Anti-Spam Legislation (CASL)
Registering on our Site for any product or service or providing personal information such as your name, email address, phone number, etc. constitutes an express consent from your side, as defined in Canada’s Anti-Spam Legislation, to (1) receive Commercial Electronic Messages (CEM) from our Site through any means of electronic communication, (2) authorize the alteration of transmission data in electronic messages in the course of a commercial activity by Markets Compass or the Site, and (3) authorize the installation of computer programs, if applicable, on your computer or electronic device, such as smart phone or tablet, in the course of commercial activity.
Refunds, Cancellations, and Billing Policy
All physical products (such as books and DVDs) are backed by a thirty (30) day money back guarantee. Non-physical products (such as newsletter subscriptions) have varying money back guarantees depending on the type of subscription, as stipulated below. All other products and services purchased from us and not mentioned explicitly in this section are considered to be non-refundable. Please note that Markets Compass reserves the right to change the refund and cancellation policy at any time.
The guarantee starts from, and includes, the purchase date. The purchase date and time is determined based on Eastern Time in Canada at the time of your purchase. Refund requests or products returned after the refund policy has expired are not subject to a refund and a refund will not be issued. Products returned after the policy has expired will be sent back to the customer at the customer’s expense.
For multi-payment options related to physical products, only the first payment is refundable and only within the first thirty (30) days of the multiple payment term. Subsequent payments are non-refundable but, of course, if you refund within the first thirty (30) days, your card will no longer be billed for subsequent payments.
For any product refund, a refund request must be sent to our office, in writing, in order for a refund to be processed.
For cancellation of your Subscription, or to request a refund, you may:
– Login to our site, accessible from https://marketscompass.com, and submit your request on our Support page for Subscribers, or
– email our Support Team at email@example.com, or
– send a letter to our mailing address.
You need to ensure that you include ALL your contact information with your request: Full Name, Email associated with your Subscription, and the name of the product, Subscription, or course you wish to have refunded so we can find you in our systems. This is to prevent fraudulent orders.
Refund of a physical product also requires the return of the physical product, to a Canadian or U.S. address that we designate, at your own expense. A full refund requires that the product remains in ‘like new’ condition (suitable for resale) and that the shipment is postmarked by the expiration date of your 30-day guarantee period. Physical product returns, must be accompanied by prior authorization. You must contact our Support team for the required “Return Authorization” before shipping anything to us.
Shipping paid at the time of purchase is not refundable, but any sales taxes collected will be refunded along with the purchase, if authorized. Any foreign exchange differentials incurred in the sales process will not be refunded.
In the case of monthly products (e.g. monthly newsletters) except for future-looking products or services (e.g. market forecasts) or any products or services incorporating future-looking content (e.g. premium newsletters), you have seven (7) days to cancel the subscription to receive a refund for your initial payment. No refunds will be issued for any future-looking products or services in which future-looking information (e.g. market forecasts) was provided for a period that exceeds the subscription term. To cancel your subscription, please contact customer support at firstname.lastname@example.org. Upon cancellation your card will not be billed again.
In the case of annual products (e.g. annual subscriptions) except for future-looking products or services (e.g. market forecasts) or any products or services incorporating future-looking content (e.g. premium newsletters), you have seven (7) days to cancel the subscription to receive a refund for your payment. Any cancellation request received after seven days will result in a refund of the unused full months. Used months will be subsequently charged as per the regular monthly rate. To cancel your subscription, please contact customer support at email@example.com. Upon cancellation your card will not be billed again.
Upon acknowledgement of a refund request, please allow 5 to 15 business days for the refund transaction to post to your account. Transaction times depend on the policies of your bank or credit card companies.
Restrictions On Use
The right to use MarketsCompass.com and all related URL’s (collectively, “Markets Compass Sites”) is personal to the Subscriber and is not transferable to any other person or entity. Subscriber is responsible for all use of Subscriber’s Account (under any screen name or password) and for ensuring that all use of Subscriber’s Account complies fully with the provisions of this Agreement. Subscriber shall be responsible for protecting the confidentiality of Subscriber’s password(s), if any.
Subscriber shall use Markets Compass Sites for lawful purposes only. Subscriber shall not post or transmit through Markets Compass Sites any material that violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane, fraudulent, or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without Markets Compass’s express prior approval, contains advertising or any solicitation with respect to third-party products or services. Any conduct by a Subscriber that in Markets Compass’s discretion restricts or inhibits any other Subscriber from using or enjoying Markets Compass Sites will not be permitted. Subscriber shall not use Markets Compass Sites to advertise or perform any commercial solicitation, including, but not limited to, the solicitation of users to become subscribers of other on-line information services competitive with Markets Compass Sites.
Markets Compass reserves the right, in its sole discretion, to terminate your access to this Site and the related services or any portion thereof at any time, without notice. In the event that Markets Compass terminates your access to this Site, Markets Compass will either prorate your yearly Subscription amount and refund you the remainder of your Subscription year, or refund your last monthly payment if you are on a monthly recurring Subscription. Subscribers with “Lifetime” access will be refunded a pro-rated amount based on the expected product lifetime of 15 years. All refunds shall be processed and made within thirty (30) days of termination.
This Site and all the materials available on the Site are the property of us and/or our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal noncommercial use. You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us. More specifically, unless explicitly authorized in these Terms of Service or by the owner of the materials, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the Site. You may, however, from time to time, download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.
This site may be hyperlinked to other sites which are not maintained by, or related to, Markets Compass. Hyperlinks to such sites are provided as a service to users and are not sponsored by or affiliated with this site or Markets Compass. Markets Compass has not reviewed any or all of such sites and is not responsible for the content of those sites. Hyperlinks are to be accessed at the user’s own risk, and Markets Compass makes no representations or warranties about the content, completeness or accuracy of these hyperlinks or the sites hyperlinked to this site. Further, the inclusion of any hyperlink to a third-party site does not necessarily imply endorsement by Markets Compass of that site.
Submissions and Testimonials
You hereby grant to Markets Compass the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, testimonials, endorsements, ideas, graphics, or other information communicated to Markets Compass through this site (together, hereinafter known as the “Submission”), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. By posting or submitting any material (including, without limitation, comments, testimonials, blog entries, photos and videos) to us via the Site, you are representing that you are the owner of the material, or are making your posting or Submission with the express consent of the owner of the material. Markets Compass will not be required to treat any Submission as confidential, and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future Markets Compass operations.
With regards to testimonials, comments, or endorsements posted on this Site or sent to Markets Compass or any director, officer, advisor, employee, or affiliate of Markets Compass via e-mail or regular mail, you acknowledge that Markets Compass may use your testimonials, comments and/or endorsements to promote and advertise the Site. You hereby grant Markets Compass permission to utilize your name, appearance, content of e-mail or letter, voice and/or likeness in connection with any testimonial, comment, or endorsement. This permission extends to publicity of the Site in any and all manner and media throughout the world in perpetuity. You hereby waive any right that you may have to inspect or approve any testimonial, comment or endorsement prior to posting.
You acknowledge and agree that the copyrights to any contributions, submissions or material originally created by you for Markets Compass or Markets Compass Sites shall belong to Markets Compass from the time those contributions are created. Thus, Markets Compass shall be deemed the author and exclusive owner thereof and shall have the right to exploit any or all of the results and proceeds in any and all media, now known or hereafter devised, throughout the universe, in perpetuity, in all languages, as we determine. As such, you hereby, without additional compensation, irrevocably assign, convey and transfer to Markets Compass all proprietary rights, including without limitation, all copyrights and trademarks throughout the universe, in perpetuity in every medium, whether now known or hereafter devised, to such material and any and all right, title and interest in and to all such proprietary rights in every medium, whether now known or hereafter devised, throughout the universe, in perpetuity. Any posted material which are reproductions of prior works by you shall be co-owned by us.
You acknowledge that Markets Compass has the right but not the obligation to use and display any postings or contributions of any kind and that we may elect to cease the use and display of any such materials (or any portion thereof), at any time for any reason whatsoever.
Markets Compass is not a financial or investment advisory service, is not a financial or investment advisor, and does not provide personalized financial advice or act as a financial advisor. Please review the Disclaimer on our website for additional information.
You understand that Markets Compass cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data. Markets Compass, does not assume any responsibility or risk for your use of the Internet.
The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by Markets Compass. Investors, traders, borrowers, and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own personal or professional judgment. Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED ‘AS IS’ AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. MARKETS COMPASS DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. MARKETS COMPASS DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. MARKETS COMPASS DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND MARKETS COMPASS MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT MARKETS COMPASS, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. MARKETS COMPASS MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.
All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this site, and Markets Compass does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.
Third Party Content
Markets Compass has no more editorial control over content provided by third parties than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, Subscribers or any other user, are those of the respective author(s) or distributor(s) and not of Markets Compass. Neither Markets Compass nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. (Refer to the Sections below for complete provisions governing limitation of liabilities and disclaimers of warranty).
Dispute Resolution. Mediation and Binding Arbitration
PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.
Most Subscriber concerns can be resolved quickly and to the Subscriber’s satisfaction by contacting our customer service department at firstname.lastname@example.org. In the unlikely event that our customer service department is unable to resolve a complaint you may have (or if Markets Compass has not been able to resolve a dispute it has with you after attempting to do so informally), we each agree to resolve those disputes first through good faith mediation and then through binding arbitration, instead of in courts of general jurisdiction.
As such, we agree to submit any dispute, claim or controversy arising out of your use of the Site or your Subscription with Markets Compass to private mediation. In the event that we are unable to reach an amicable resolution to the dispute at the mediation, the dispute, claim or controversy arising under this Agreement shall be resolved by binding arbitration and shall be construed and interpreted in accordance with the laws of the Province of Ontario, Canada. Good faith mediation is a pre-requisite to filing any arbitration claim.
Such arbitration shall be administered by and under the rules the Canadian Arbitration Association (“CAA”) in accordance with its then prevailing expedited rules, by one independent and impartial arbitrator selected in accordance with such rules. The arbitration shall be governed by the Ontario Arbitration Act. The fees and expenses of CAA and the arbitrator shall be shared equally by each of us and advanced from time to time as required; provided that at the conclusion of the arbitration, the arbitrator shall award costs and expenses (including the costs of the arbitration previously advanced and the fees and expenses of attorneys, accountants and other experts) to the prevailing party. Arbitration shall be conducted in the greater city of Ottawa, Ontario. In the event it becomes necessary to commence legal proceedings to enforce the terms and condition of your use of the Site or your Subscription with Markets Compass, the prevailing party shall be entitled to recover attorney fees and costs. Judgment on the award may be entered in any court having jurisdiction. Any arbitration will take place on an individual basis; class arbitrations and class actions are not permitted.
Limitation on Liability
MARKETS COMPASS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF MARKETS COMPASS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF MARKETS COMPASS AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO MARKETS COMPASS FOR THE APPLICABLE CONTENT, PRODUCT, SUBSCRIPTION, SITE ACCESS, MEMBERSHIP OR SERVICE OUT OF WHICH LIABILITY AROSE.
UNDER NO CIRCUMSTANCES WILL MARKETS COMPASS BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY SUBSCRIBER’S RELIANCE ON INFORMATION OBTAINED THROUGH MARKETS COMPASS. IT IS THE RESPONSIBILITY OF SUBSCRIBER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE, RECOMMENDATION OR OTHER CONTENT AVAILABLE THROUGH MARKETS COMPASS SITES AND PRODUCTS. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE, RECOMMENDATION OR OTHER CONTENT.
Trademarks, service marks, and logos appearing in this site are the property of Markets Compass or the party that provided the trademarks, service marks, and logos to Markets Compass. Markets Compass, and any party that provided trademarks, service marks, and logos to Markets Compass, retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this site.
Information You Provide
You may not post, send, submit, publish, or transmit in connection with this site any material that:
- you do not have the right to post, including proprietary material of any third party;
- advocates illegal activity or discusses an intent to commit an illegal act;
- is vulgar, obscene, pornographic, or indecent;
- does not pertain directly to this site;
- threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening or offensive;
- seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
- infringes any intellectual property or other right of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity;
- violates any law or may be considered to violate any law;
- impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;
- advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this site;
- solicits funds, advertisers or sponsors;
- includes programs which contain viruses, worms and/or Trojan horses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications;
- disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise act in a way which affects the ability of other people to engage in real-time activities via this site;
- includes MP3 format files;
- amounts to a ‘pyramid’ or similar scheme;
- disobeys any policy or regulations established from time to time regarding use of this site or any networks connected to this site; or
- contains hyperlinks to other sites that contain content that falls within the descriptions set forth above.
Additionally, subscribers are specifically prohibited from posting negative or defamatory statements regarding Markets Compass or any of its directors, officers, employees, contributors, or affiliates to the site or other subscribers.
Markets Compass may host message boards, chats and other public forums on its Sites. Any user failing to comply with the terms and conditions of this Agreement may be expelled from and refused continued access to, the message boards, chats or other public forums in the future. Markets Compass or its designated agents may remove or alter any user-created content at any time for any reason. Message boards, chats and other public forums are intended to serve as discussion centers for users and subscribers. Information and content posted within these public forums may be provided by Markets Compass staff, Markets Compass’s outside contributors, or by users not connected with Markets Compass, some of whom may employ anonymous user names. Markets Compass expressly disclaims all responsibility and endorsement and makes no representation as to the validity of any opinion, advice, information or statement made or displayed in these forums by third parties, nor are we responsible for any errors or omissions in such postings, or for hyperlinks embedded in any messages. Under no circumstances will we, our affiliates, suppliers or agents be liable for any loss or damage caused by your reliance on information obtained through these forums. The opinions expressed in these forums are solely the opinions of the participants, and do not reflect the opinions of Markets Compass or any of its subsidiaries or affiliates.
Markets Compass has no obligation whatsoever to monitor any of the content or postings on the message boards, chat rooms or other public forums on the Sites. However, you acknowledge and agree that we have the absolute right to monitor the same at our sole discretion. In addition, we reserve the right to alter, edit, refuse to post or remove any postings or content, in whole or in part, for any reason and to disclose such materials and the circumstances surrounding their transmission to any third party in order to satisfy any applicable law, regulation, legal process or governmental request and to protect ourselves, our clients, sponsors, users and visitors.
Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). Markets Compass will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that Markets Compass considers insecure, Markets Compass will be entitled to require the password to be changed and/or terminate your account.
BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS MARKETS COMPASS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY MARKETS COMPASS DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER MARKETS COMPASS OR LAW ENFORCEMENT AUTHORITIES.
In some cases, you may agree to a free trial of products or services from Markets Compass. A valid credit card may be required to start the trial. In that case and at the time of activation of the trial, your card will be authorized for either $1 or the full amount of purchase price. Note that, at such a point, no funds would have been collected but may show up on your account as unavailable. The authorization would expire at the end of 5 business days and you would not have been billed at that point.
At the end of the trial, you agree and will be billed for the full purchase price. You are under no obligation to continue and can cancel at anytime during the free trial period and your card will never be billed.
Last updated: Aug 2, 2015