Last updated 11/14/2018
These are the terms and conditions that apply to your subscription/s to Lahardan Financial publications (both free and paid, online and hard copy), conferences and seminars, the purchase of conference and seminar materials, products, and your use of the websites provided by Lahardan Financial (together, the “Services”).
By using or purchasing our Services, you agree to be bound by these terms and conditions, and they shall constitute the entire agreement between you and Lahardan Financial (the “Agreement”).
If we change our terms and conditions, we will notify you of those changes here.
The advice we provide is published generally, is not personal to you and does not take account of your personal circumstances. We do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability, or appetite for risk.
If you need guidance on interpreting our advice in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional. You should also interpret our advice in light of the risk warnings that are contained within it.
Confirmation of Your Order
If you order one of our Services, within 24 hours of your order you will be sent an email that confirms receipt of your order. It will not contain the payment details provided by you.
In the event the payment method you provided fails, a Member Services Team agent will contact you by telephone (if you have supplied your number) or by email or letter to check the details you have supplied and retry the authorization process. Again, if we contact you by email or letter, our correspondence will not contain any payment details.
Ending a Subscription
We are entitled to terminate your paid or unpaid subscriptions and access to our websites at any time without notice. Provided you have not breached these terms and conditions, if we terminate a paid subscription of a fixed term, we will refund the unused portion of your subscription fee.
If you wish to cancel your subscription, you may contact our Member Services Team at CustomerService@LahardanFinancial.com
The refund and credit policy applicable to your purchase can be found on your order confirmation email. Prorated refunds are available unless otherwise stated.
Refunds are processed within 14 days of receipt of your request to cancel your subscription.
Reliance on Content
Content in our publications is for general information only and is not intended to be relied upon by users in making (or not making) specific investment decisions. We try to ensure that the content of our Services is up to date and accurate, but we do not guarantee the accuracy of the information. We urge our Members to perform their own due diligence.
We do everything in our power to ensure that our websites are fully operational and available to you at all times. However, in order to make sure they are up to date and offering you the best service, we may sometimes interrupt or restrict access to allow for maintenance or the introduction of new facilities and Services.
Copyright and Trademarks
Copyright in all information, text and images featured in the Services, is owned by or licensed to Lahardan Financial (“Our Content”). Provided that you acknowledge us as the source of the information, you are entitled to save or download one copy of any of Our Content for the purposes of reference, but you are not entitled to make any further copies of the work.
All property rights remain with Lahardan Financial. Other than as provided in these terms and conditions, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, or use for any public or commercial purpose any of Our Content without our prior written permission.
Breach of These Terms and Conditions
We have the right, but not the obligation, to monitor any activity and content associated with the Services. We may investigate any reported violation of these terms and conditions and take any action that we deem appropriate. This may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access to and use of the Services.
This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois, United States of America, without regard to choice or conflicts of law principles. Further, you agree to the jurisdiction of the courts of the United States District of Illinois to resolve any dispute, claim or controversy that relates or arises in connection with the Agreements.