Terms of Service

Last Modified 6.30.2019

AGE RESTRICTION—YOU MUST BE 18 YEARS OF AGE OR OLDER TO ACCESS OUR SITE AND/OR USE OUR SERVICE

Investor Village Patrons products and services are not intended for an audience of persons under the age of 18. By accessing our site and/or using our service, you certify that you are at least 18 (eighteen) years of age and you represent and warrant that you have the right, authority and capacity to enter into this User Agreement and to abide by all of the terms and conditions of this User Agreement.

THE TERM “USER” DEFINED

When appearing in this User Agreement, the term “USER” includes REGISTERED MEMBERS (a.k.a., “Patrons,” i.e., persons for whom Admin alone, in our sole discretion, chooses to create corresponding individual accounts here based on payments received and/or other rewards and statuses earned, and whom we alone designate as so-called “Patrons,” with all the member benefits such designation entails) as well as AUTHORIZED & UNAUTHORIZED NON-MEMBERS (a.k.a., site users or visitors).

REGISTRATION & MEMBERSHIP OBLIGATIONS

When you register with our service, you agree to provide accurate information about yourself and to update your personal registration information as needed. If you provide false or otherwise deceptive registration information, Investor Village Patrons has the right, but not the obligation, in our sole discretion, to suspend or terminate your account.

USER CONDUCT

How you conduct yourself on our service will in many cases have a direct bearing on how other members perceive you and interact with you. It is your responsibility to conduct yourself in a civil and respectful manner while participating and interacting with other members of our service.

You understand that all information, data, text, software, music, sound, photographs, graphics, video, messages or other materials (“Content”), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Content originated. This means that you, and not Investor Village Patrons, are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Service. Investor Village Patrons does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content.

You understand that by using the Service, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will Investor Village Patrons be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service.

You agree to not use the Service to:

  1. upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;
    b. harm minors in any way;
    c. impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
    d. forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;
    e.  upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
    f.  upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights (“Rights”) of any party;
    g.  upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation, except in those areas designated for such purpose; to learn more please read our complete Spam Policy here
    h.  upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
    i.  disrupt the normal flow of dialogue, cause a screen to “scroll” faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users’ ability to engage in real time exchanges;
    j.  interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
    k.  intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law;
    l.  provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act;
    m.  “stalk” or otherwise harass another; and/or
    n.  collect or store personal data about other users in connection with the prohibited conduct and activities set forth in paragraphs a through n above.

Investor Village Patrons does not review, screen or edit static images, GIFs, comments, messages or other content uploaded and/or posted by site users. Nevertheless, Investor Village Patrons and its designees reserve the right to monitor or remove any information transmitted or received through the Service, or to terminate your membership and use of the Service, at any time, without notice, in our sole discretion. Users are responsible for bringing violations of the User Agreement to Investor Village Patrons’s attention. Although Investor Village Patrons does not guarantee any action based on such information, we pledge to make every reasonable effort to respond to reported violations in a fair and timely manner. Investor Village Patrons and its designees shall have the right to remove any Content that violates the User Agreement or is otherwise objectionable.

You agree to evaluate and bear all risks associated with the use of any Content appearing on Investor Village Patrons web pages, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by Investor Village Patrons or submitted to Investor Village Patrons, including without limitation information in Investor Village Patrons public comment sections, and in all other parts of the Service.

In addition to the above, in connection with your use of the Site, you agree not to:

  • Restrict or inhibit any other visitor from using the Site, including, without limitation, by means of “hacking” or defacing any portion of the Site;
    Use the Site for any unlawful purpose;
    Express or imply that any statements you make are endorsed by us, without our prior written consent;
      Modify, adapt, sub-license, translate, sell, reverse engineer, de-compile or disassemble any portion of the Site;
      “Frame” or “mirror” any part of the Site without our prior written authorization;
      Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the Site or its contents;
      Harvest or collect information about visitors to the Site without their express consent.

You also agree to comply with all applicable laws, rules and regulations in connection with your use of the Site and the content made available therein.

PRIVACY POLICY

GENERAL TERMS, CONCEPTS & PROVISIONS

Protecting Your Privacy is a Top Priority for Investor Village Patrons

Consistent with this guiding principle we pledge:

–          to be TRANSPARENT about how we collect, store and use your personal information;

–          to keep your personal information SAFE and SECURE to the best of our ability;

–          to provide you with meaningful CHOICES and CONTROLS regarding data about you that we collect, store and use;

–          and to keep our privacy policies, practices and procedures UP-TO-DATE and COMPLIANT with all pertinent laws and regulations. 


Your Consent

Each time you visit our website for any reason, you consent to the data collection, use, disclosure and storage practices described in this privacy policy.  IF YOU DO NOT AGREE to be bound by the terms described in this policy statement, please DISCONTINUE USE of our site immediately.

Changes to Our Privacy Policy

We reserve the right to modify this Privacy Policy at any time.  We will announce material changes to this policy by prominently displaying a notification on our Home Page and at top of each of our message boards. 

We encourage you to review this Privacy Policy whenever you access or use our Services or otherwise interact with us to stay informed about our information and the ways we can work together to help protect your privacy. If you continue to use our Services after Privacy Policy changes go into effect, you consent to the revised policy.

Questions, Comments or Concerns?

If you have questions, comments or concerns about our privacy policies and procedures (including your rights with respect to your data), you are welcome to email us any time at admin@investorvillage.com, or call us toll free at 888-222-7309, or mail us at P.O. Box 1489, Marrero, LA 70073.


Types of Information We Collect

PERSONALLY IDENTIFIABLE INFORMATION (or “PII”) is information that is directly linked to and/or can be used to identify an individual person.  Such data includes things like a person’s full name, home address, telephone number, or email address.

NON-PERSONALLY IDENTIFIABLE INFORMATION (or “Non-PII”) is information that, so long as it is not combined with PII, cannot be used to identify an individual person, such as IP address, browser type, operating system, domain name, access dates and times, referring website addresses, online transactions and browsing and search activities.


Information Security

We employ a variety of security measures, including HTTPS, SSL and TLS, encryption technologies, administrative procedures and physical safeguards to help protect against unauthorized access to and disclosure, alteration or destruction of customer information we collect and store, as well as to help protect against its loss, theft or misuse.   

While we regularly monitor our systems for possible vulnerabilities and attacks and make every commercially reasonable effort to protect your data, we cannot warrant the security of any information that you send us. There is no guarantee that data may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. You acknowledge and assume this risk when communicating with Investor Village.


Data Retention 

We retain personal data only for as long as necessary to provide the services you have requested and thereafter for a variety of legitimate legal or business purposes. These purposes might include retention periods:      

      – mandated by law, contract or similar obligations applicable to our business operations;

      –  for preserving, resolving, defending or enforcing our legal/contractual rights; or,

      –  needed to maintain adequate and accurate business and financial records.

If you have any questions about the security or retention of your personal data, you can contact us at admin@investorvillage.com.

Registered, Logged-In Members Are Not Anonymous

Once you register with Investor Village and log in to our services, you should be aware that you are not anonymous to us and your online activity and behavior can be monitored. Of course, we trust that you will be on your best behavior when interacting with other registered members of our community and when posting information to our site and we do not therefore anticipate any reason for this to be a problem for anyone.

User Uploaded Content, Including Status Updates, Posts, Private Messages & Member Profiles

If you choose to upload content to our site, including pictures (such as profile “avatars” or photo albums), as well as sending private messages to other members and/or add information about yourself to your Member Profile, you should be aware that any personally identifiable information you submit can be read, collected, or used by other users of these forums, INCLUDING NON-MEMBER USERS in public areas of our site. Such information could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to publish on our site.

Links to Third-Party Websites & Content

Investor Village Patrons may contain links to websites and content, including advertisements, operated and maintained by third parties over whom we have no control. We encourage you to review the privacy policies of any third-party websites you may visit before sharing your personal information with them.  We are not responsible for the content or privacy practices of any such third-party sites.  


“Do Not Track” Notifications

Most modern web browsers give you the option to send what is known as a “Do Not Track” signal to the websites you visit, indicating that you do not wish to be tracked. However, to date there is no industry accepted standard for how a website should respond to this signal and, as is the case with many websites and online services, we do not take any action in response to this signal. Instead, in addition to publicly available third-party tools, we offer you the choices described in this policy to manage the collection and use of information about you. To find out more about “Do Not Track,” you may wish to visit www.allaboutdnt.com.


Web Analytics 
 

We use web analytics tools provided by third-party service partners, such as Google Analytics, to collect information about how you interact with our website, including what pages you visit, what site you visited prior to visiting our website, how much time you spend on each page, what operating system and web browser you use and network and IP information. 

We use the information provided by these tools to improve our Services. 

These tools place persistent cookies in your browser to identify you as a unique user the next time you visit our website. Each cookie cannot be used by anyone other than the service provider (e.g., Google in the case of Google Analytics’ cookies). The information collected from the cookie may be transmitted to and stored by these service partners on servers in a country other than the country in which you reside. You may manage the use and collection of certain information by Google Analytics here.

Though information collected does not include personal data such as name, address, billing information, etc., the information collected is used and shared by these service providers in accordance with their individual privacy policies. You can control the technologies we use by managing your individual browser settings or using third-party tools, such as Disconnect, Ghostery and others.

Targeted Ads 

Because other service providers may use cookies that track your online behavior, targeted ads or interest-based offers may be presented to you based on your activities, such as pages you visit on our site and searches you conduct. 

You may generally opt out of receiving personalized advertisements from certain third-party advertisers and ad networks. To learn more about these advertisements or to opt out, please visit the websites of the Digital Advertising Alliance and the Network Advertising Initiative.

Please note: even if you opt out of interest-based ads, you will continue to receive generic ads.

HOW & WHEN WE COLLECT INFORMATION ABOUT YOU


We Collect Information You Voluntarily Provide to Us 

Examples of situations where you may voluntary share your personal information with us include, but are not limited to, the following: 

When you register with our service, you choose to provide certain personal information requested by us, which may include your full name, address, e-mail address, telephone number.  If you choose to purchase a paid subscription service (e.g., a “Patronship or other Premium Membership”), you will be required to provide billing and other payment information.

When you request assistance from our customer support team or otherwise communicate with us via chat, phone or email, you may provide us with contact information, such as your email address or phone number.


We Employ Browser-Based & Other Technologies that May Passively or Automatically Collect Data About You

Data about your usage of our services is automatically collected when you use and interact with our services.  Such data may include metadata, log files, cookie/device IDs and location information. This information includes your Internet Protocol (IP) address, browser type and settings; the date and time our services were used by you; information about your browser configuration and plugins; and information about devices accessing our services, including type of device, what operating system is used, device settings, application IDs, unique device identifiers and error data.

By visiting our service, whether as a registered user or otherwise, you acknowledge and agree that you are giving us your consent to track your activities and your use of our service through the technologies described herein.

In this privacy policy we use the term “cookies” to refer to a variety of technologies, such as HTML cookies, Flash cookies, scripts, web beacons and pixel tags, used to identify browsers and track browsing activity. With each of these technologies, a small (text) file is placed by a web server on the device visiting the website or service. For convenience, these techniques are collectively referred to in this Privacy Policy as “cookies”.

Investor Village Patrons may store cookies on your device for the following reasons:

–          To allow you to navigate our website, use our services, and access secure areas of the site. Without these cookies, it is not possible to load or offer key functionalities on our website, such as logging in to your account, displaying dynamic elements or uploading information;

–          For statistical purposes and to analyze and improve the use and performance of our services; and

–          To provide our site users with interest-based advertising (the ability to opt out of such advertising is further described in this Privacy Policy).

Our website and services may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your device until you delete them).


Disabling Cookies

Most web browsers are set up to accept cookies. You may be able to set your browser to warn you before accepting certain cookies or to refuse certain cookies. However, if you disable the use of cookies in your web browser, some features of the Services may be difficult to use or inoperable.

To learn more about “cookies” & cookie management, click here.


HOW & WHY WE USE THE INFORMATION WE COLLECT 

We and our partners limit our use of your personal information to only those uses: 

(i.) for which you have given us permission;
(ii.) as necessary to deliver the services you purchase or interact with; or, 
(iii.) as we might be required or permitted for legal compliance or other lawful purposes.

These uses include:

  1. to provide our services to you;
    2. to communicate with you about our services or your registered Investor Village Patron account;
    3. to respond to your inquiries and provide administrative notices to you as we deem necessary in our sole discretion;
    4. to enforce the legal terms (including without limitation our policies and terms of service) that govern your use of our services;
    5. to provide technical support for the Services,
    6. to prevent fraud or potentially illegal activities (including, without limitation, copyright infringement) on or through our services;
    7. to protect the safety of our Users,
    8. to customize or personalize ads, offers and content made available to you based on your visits to and/or usage of our services or other online or mobile websites, applications, platforms or services, and analyze the performance of those ads, offers and content, as well as your interaction with them,
    9. to perform analysis regarding how you use the Services or any part thereof;
    10. to send emails on your behalf to your designated recipients, in the event you use our “e-mail a friend” tool.

WHEN and WHY WE MAY SHARE or DISCLOSE INFORMATION ABOUT YOU 

Investor Village Patrons does not rent, sell or share personal information about you except on an as-needed basis and under the following narrowly-tailored circumstances:

Provision of Services & Ordinary Course of Business

We may share personal information about you with our employees, contractors, affiliates and carefully selected partners on a need-to-know basis and subject to strict confidentiality and non-disclosure agreements:

(1) to enable third-party service providers to assist or facilitate in the services we provide to our customers;

(2) to enforce the terms of use described in this User Agreement and to protect our rights;

(3) to protect the safety of members of the public and users of our service;

(4) with vendors, administrative service providers, technology providers, and carefully selected partners for services including, but not limited to, data validation, enhancement, information verification and suppression services; or

(5) for any other purpose for which you provide consent.

Law Enforcement & Other Legal Matters

We may disclose personal information about our members in response to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims.

We may provide law enforcement with member information when we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Investor Village’s terms of use, or as otherwise required by law.

Change of Control or Ownership

We may transfer some, or all, of your Information if we, or one of our business units, undergoes a business transition, such as a merger, acquisition by another company, or sale of all or part of our assets, or if a substantial portion of our, or of a business unit’s, assets is sold or merged in this way.

UPDATING or DELETING YOUR PERSONAL DATA

If you maintain an active password-protected account within our service, you should be able to login to review personal information appearing in your account.  Where online account tools are readily available, you may be able to directly update or delete personal information appearing in your account.

If, for whatever reason, you are unable to edit or delete certain personal data yourself, you may request our assistance in any of the following ways:

To make your request via email, please send your email correspondence to: admin@investorvillage.com

To make your request via the postal service, please address your correspondence to: 

Investor Village
Attn: Privacy
P.O. Box 1489
Marrero, LA 70073

You may also call us toll-free at 888-222-7309 during regular business hours.  If no one is available to take your call, please leave a detailed voice message and someone will attend to your issues within a commercially reasonable time frame.

For account ownership or authorized access verification purposes, please include original registration information provided when the account in question was first established, such as first name, last name and email address in the request. We may ask you to provide additional information for identity verification purposes.

If you make a request to delete your personal data and that data is necessary for the products or services you have purchased, the request will be honored only to the extent it is no longer:

– necessary for any services purchased;
– required for our legitimate business purposes; or 
– required for legal or contractual record keeping purposes.

We will respond to all requests, inquiries or concerns within a commercially reasonable time frame.

INTERNATIONAL TRANSFER of PERSONAL DATA

Our offices, servers and databases are all located inside the territorial United States and as such our collection, processing and storage of your information is governed by U.S. law. 

If you access our site from a location outside of the United States, you acknowledge that it will be necessary for us to transfer your information internationally and you consequently consent and agree to use our service at your own risk, including assuming the risk for the processing, transfer and storage of information in and to the U.S. and other countries whose data protection and related laws may provide a less comprehensive or protective standard of protection than those of the country in which you are currently located and/or reside.

Additionally, please note that when you call us or initiate a chat, we may provide you with support from a location outside your country of origin. In these cases, your personal data is handled according to this Privacy Policy.

OUR CONTINUED COMMITMENT to the CHILD ONLINE PRIVACY PROTECTION ACT 


If you are under 18 years of age you should not be on our site. 

As stated in our User Agreement, Investor Village Patron web sites, products and services are not intended for children under the age of 18 and we do not knowingly solicit or accept personal or other information from children under the age of 18. However, we recognize the difficulties in policing online behavior (particularly of children) and we understand that children can sometimes gain access to web sites without the permission of the site’s owners and without the permission of the child’s own parents. You should know that we take very seriously the safety of children and the concerns of responsible parents. Therefore, we make every effort to be in compliance with the Child Online Privacy Protection Act (COPPA), though technically, COPPA may not apply to our site (please see COPPA NOTE below). 

Contact Information for Concerned Parents
If you are a parent or legal guardian and discover that your minor child has registered with our site, you may contact us at admin@investorvillage.com to notify us of your child’s unauthorized participation in our online community and request that his or her account be terminated and all information collected and otherwise related to your child’s account be permanently deleted, as per COPPA. 

COPPA NOTE
The following information appears on the FTC web site “FAQ” page for COPPA (the Child Online Privacy Protection Act). Based on the discussion excerpted below, we at Investor Village do not believe that the COPPA applies to our site. However, as noted above, out of an abundance of caution and a genuine concern for the welfare and safety of all children, we make every reasonable effort to comply with COPPA. To learn more about COPPA click here.

Q. COPPA applies to “websites directed to children.” What factors should I use to determine whether my website is targeted to children?

A. According to the Rule, the factors to use in determining whether your site is targeted to kids include subject matter, language, whether the site uses animated characters, and whether advertising on the site is directed to children. The Commission also considers empirical evidence regarding the ages of the site’s visitors. These standards are similar to those for TV, radio and print advertising.

CONSENT TO DISCLOSURE FOR LAW ENFORCEMENT & OTHER PURPOSES

You acknowledge, consent and agree that Investor Village Patrons may access, preserve, and disclose your account information and Content if required to do so by law or in a good faith belief that such access preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the User Agreement; (c) respond to claims that any Content violates the rights of third-parties; (d) respond to your requests for customer service; or (e) protect the rights, property, or personal safety of Investor Village Patrons, its users and the public.

MEMBER ACCOUNT, PASSWORD AND SECURITY

You are responsible for maintaining the confidentiality of your password and account. By registering with and using our service, you agree to assume full responsibility for all activities that occur under your password and account.

ADMINISTRATIVE COMMUNICATIONS 

Investor Village Patrons may from time to time communicate with you via email and/or your own Private Message chat window or message inbox located on our site. Certain communications such as service announcements and administrative messages are considered part of your Investor Village Patron membership and you will not be able to opt out of receiving them.

USE ON AN “AS-IS” BASIS

You understand and agree that the Service is provided “AS-IS” and that Investor Village Patrons assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalized settings.

SPECIAL ADMONITIONS FOR INTERNATIONAL USE

Investor Village Patrons makes no representation that materials provided on the Site are appropriate or available for use in other locations. Those who choose to access the Site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

CONTENT LICENSES—YOU GRANT INVESTOR VILLAGE PATRONS CERTAIN LICENSES FOR CONTENT YOU CHOOSE TO POST TO OUR SITE

By posting “content,” including text, photos, graphics, audio, video or other digital, analog or other content, to any public area of Investor Village Patrons you automatically grant (and represent and warrant that you have the right to grant) to Investor Village Patrons an irrevocable, perpetual, non-exclusive, royalty-free, fully paid, worldwide license under your copyrights, or other intellectual property rights if any, in such material to use, copy, modify, adapt, publicly perform, publicly display, and distribute such information and Content and to prepare derivative works of, or incorporate into other works, such information and content in any and all media, in any manner, whole or part, without any duty to account to you. You further grant and authorize sub-licenses of the foregoing in any format or medium now known or later developed. And you grant Investor Village Patrons the right to authorize the downloading and digital sharing of and/or hard-copy printing of such material, or any portion thereof, by end users for their personal use.

“Publicly accessible” areas of the Service are those areas of the Investor Village Patrons network of properties that are intended by Investor Village Patrons to be available to the general public and are reasonably understood as such.

INDEMNITY

You agree to indemnify and hold Investor Village Patrons, and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of Content you submit, post, transmit or make available through the Service, your use of the Service, your connection to the Service, your violation of the User Agreement, or your violation of any rights of another. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

RESTRICTIONS ON RESALE OF SERVICE

Except for an individual Patron’s right to resell his or her Lifetime Membership or other Patronship in full to an authorized buyer, as explicitly provided for elsewhere in this agreement, you agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Service (including your Investor Village Patrons Member ID), use of the Service, or access to the Service.

GENERAL PRACTICES REGARDING USE AND STORAGE

You acknowledge that Investor Village Patrons may establish general practices and limits concerning use of the Service, including without limitation the maximum number of days that private messages, public comments, static memes, GIFs, or other uploaded Content will be retained by the Service, the maximum number of messages or files that may be sent from or received by an account on the Service, the maximum size of any message or file that may be sent from or received by an account on the Service, the maximum disk space that will be allotted on Investor Village Patrons’s servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Service in a given period of time.

If you are concerned about electronically preserving content generated by you and posted to our Service, you acknowledge and accept that it is your responsibility to copy and save such data on an external drive of your choice, such as your home PC. We recommend that you save to your own external hard drive any and all information deemed by you to be important for your own purposes, or to have sentimental or other personal value to you. We are not the guardians of your work product. By using our service, you accept full responsibility for making back-up copies of all such work and you agree to hold Investor Village Patrons harmless for loss of any such data.

MODIFICATIONS, SUSPENSION OR DISCONTINUANCE OF SERVICE

Investor Village Patrons reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Investor Village Patrons shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

TERMINATION

You agree that Investor Village Patrons may, under certain circumstances and without prior notice, immediately terminate your Investor Village Patrons account and access to the Service. Cause for such termination shall include, but not be limited to, (a) violations of the User Agreement, (b) requests by law enforcement or other government agencies, (c) unexpected technical or security issues or problems, (d) extended periods of inactivity, and/or (e) you have engaged in fraudulent or illegal activities.

Termination of your Investor Village Patrons account includes (a) removal of access to all offerings within the Service, including but not limited to Investor Village Patrons streams, status updates, group chats, one-to-one member chats, etc., (b) deletion of your password and all related information, files and content associated with or inside your account (or any part thereof), and (c) barring further use of the Service.

You agree that all terminations for cause shall be made in Investor Village Patrons’s sole discretion and that Investor Village Patrons shall not be liable to you or any third-party for any termination of your account, any associated email address, or access to the Service.

Should you object to any terms and conditions of this User Agreement or any subsequent changes to the terms and conditions or become dissatisfied with the Service in any way, your only recourse is to immediately: (1) discontinue use of the Service; (2) terminate Service membership; and (3) notify Investor Village Patrons of termination by sending an e-mail to: admin@investorvillage.com. Continued use of the Service is an acceptance of the User Agreement and any subsequent changes.

LINKS

The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because Investor Village Patrons has no control over such sites and resources, you acknowledge and agree that Investor Village Patrons is not responsible for the availability of such external sites or resources and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Investor Village Patrons shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.

PROPRIETARY RIGHTS

You acknowledge and agree that the Service and any necessary software used in connection with the Service (“Software”) contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements, if any, or information presented to you through the Service or advertisers, if any, is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by Investor Village Patrons or advertisers, if any, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part. Content received through the Service may be displayed, reformatted and printed for your personal, non-commercial use only.

DISCLAIMER OF WARRANTIES

You expressly understand and agree that:

  1. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK & DISCRETION. The service is provided on an “AS IS” and “AS AVAILABLE” basis.
    b. Investor Village Patrons EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
    c.  Investor Village Patrons makes no warranty that (i) the service will meet your requirements, (ii) the service will be uninterrupted, timely, secure, or error-free, (iii) the results that may be obtained from the use of the service will be accurate or reliable, (iv) the quality of any products, services, information, or other material purchased or obtained by you through this service will meet your expectations, and (v) any errors in the software will be corrected.
    d.  Any material downloaded or otherwise obtained through the use of the service is done at your own discretion and risk and that YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
    e.  No advice or information, whether oral or written, obtained by you from Investor Village Patrons or through or from the service shall create any warranty not expressly stated in the User Agreement.

LIMITATION OF LIABILITY

You expressly understand and agree that Investor Village Patrons SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, including but not limited to damages for loss of profits, goodwill, use, data or other intangible losses (even if Investor Village Patrons has been advised of the possibility of such damages), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.

CERTAIN EXCLUSIONS AND LIMITATIONS OF LIABILITIES MAY NOT APPLY TO YOU

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

SPECIAL ADMONITION FOR SERVICES RELATING TO FINANCIAL MATTERS

We believe and instruct our members that personal accountability in financial matters is of paramount importance. The responsibility for engaging in the high-risk business of stock investing is to be borne by you, the ultimate decision-maker in all matters of your personal finance. You should always treat information you receive on this or any online service with a healthy dose of skepticism. Always attempt to independently verify any and all claims you encounter while online. Always do your own homework and think for yourselves. The Service is provided for informational and entertainment purposes only, and no Content included in the Service is intended for trading or investing purposes. Investor Village Patrons and its licensors shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the Service and shall not be responsible or liable for any trading or investment decisions made based on such information.

NO THIRD-PARTY BENEFICIARIES

You agree that, except as otherwise expressly provided in this User Agreement, there shall be no third-party beneficiaries to this Agreement.

NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. Please see http://www.loc.gov/copyright/ for further details. We suggest that you consult your legal advisor before filing a notice or counter-notice under the DMCA. Also, please be aware that there can be penalties for false claims under the DMCA.

Investor Village Patrons respects the intellectual property of others, and we ask our users to do the same. Investor Village Patrons may, in appropriate circumstances and at its discretion, disable and/or terminate the accounts of users who may be repeat infringers. If you believe that your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide Investor Village Patrons’s Copyright Agent the following information:

  1. an electronic signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
    2. a description of the copyrighted work or other intellectual property that you claim has been infringed;
    3.  a description of where the material that you claim is infringing is located on the site;
    4.  your address, telephone number, and email address;
    5.  a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
    6.  a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.

Contact information for Investor Village Patrons’s Designated Agent for Notice of claims of copyright or other intellectual property infringement:

Name: Ralph Kidd
Address: 4900 15th Street, Marrero, LA 70072
Phone: 504-250-0021
Email: admin@investorvillage.com

GENERAL INFORMATION

Entire Agreement. The USER AGREEMENT constitutes the entire agreement between you and Investor Village Patrons and governs your use of the Service, superseding any prior agreements between you and Investor Village Patrons with respect to the Service. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other Investor Village Patrons services, affiliate services, third-party content, or third-party software.

Choice of Law and Forum. The USER AGREEMENT and the relationship between you and Investor Village Patrons shall be governed by the laws of the State of Georgia without regard to its conflict of law provisions. You and Investor Village Patrons agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Fulton, Georgia.

Waiver and Severability of Terms. The failure of Investor Village Patrons to exercise or enforce any right or provision of the USER AGREEMENT shall not constitute a waiver of such right or provision. If any provision of the USER AGREEMENT is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the USER AGREEMENT remain in full force and effect.

Restrictions on Survivorship and Transferability. Subject to the exception governing an individual Patron’s right to resell his or her Lifetime Membership or other Patronship in full to an authorized buyer, as explicitly provided for elsewhere in this agreement, you agree that your Investor Village Patrons account is non-transferable and any rights to your Investor Village Patrons Member ID or contents within your account terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.

Statute of Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the USER AGREEMENT must be filed within one (1) year after such claim or cause of action arose or be forever barred.

The section titles in the USER AGREEMENT are for convenience only and have no legal or contractual effect.

VIOLATIONS

Please report any violations of the USER AGREEMENT to admin@investorvillage.com.

If you have any questions about the terms and/or spirit of this Agreement and/or desire clarification of any of our policies and procedures, please email us at admin@investorvilage.com

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