Refund Policy

** Important** The Inner Circle and The Trading Freedom Pathway are two separate services. Each has its own refund policy which you can learn more about below. I explain them in a Frequently Asked Question format.

The Inner Circle Community

I’ve changed my mind. This service is not for me. Can I have a refund?
Simply put, no, all sales are final. I have provided more than enough information about what the service includes. If you are unsure of something, then, PLEASE contact me so you can be crystal clear on “what” this service includes (or does not include).

Will my subscription auto-renew?
Yes. Your payment plan will auto-renew once your subscription period ends so that you don’t experience any interruptions in the service. If you want to turn off this feature, see “How do I turn off auto-renew?” to get instructions on how to do so.

Is a reminder email sent before renewal?
No, there is not. If you think you will forget, simply turn off the auto-renew immediately after joining. You will still have complete access to the community. The only difference being, when your subscription expires, you need to go through the process again to rejoin. If you want to turn off the auto-renew, see “How do I turn off auto-renew?” two questions below to get instructions on how to do so.

I forgot to turn off auto-renew. Can I still have a refund?
No. Once your subscription renews, you immediately gain access to (and therefore benefit from) the premium services offered (chat rooms and newsletter scan). If you want to turn off this feature see the next question to get instructions on how to do so.

How do I turn off auto-renew?
To turn off the auto-renew visit the Member Portal select “Manage Account” from the left hand navigation. From there ensure you on the the “subscriptions” tab. There you can view you active subscriptions and modify them if needed. One note, turning off the auto-renew has no affect on your normal subscription, so you will be able to still access everything (until the subscription expires).

Why won’t you refund me? All I have to do is file a payment dispute with my bank/credit card/PayPal?
Because I want to keep a positive relationship with my payment processors. Please keep in mind, when you made your purchase you clicked a box that said, “I Have Read and Agree to the Terms and Conditions”. These refund policies are all part of what you said you read and agreed to.

You can file a dispute, but we will respond to the dispute with documentation that makes your bank/credit card/PayPal aware of what you told us you read and agreed to (via clicking that box).

Trading Freedom Pathway

30 Day Refund Guarantee

This guarantee is based on honesty, being genuine, effort, and your personal growth in confidence as a trader (in other words, do you feel as though you are making progress in your understanding of the markets?).

It is NOT, I repeat, NOT based on you becoming a massive millionaire success in only 30 days – sorry to burst your bubble, but the market takes more than 30 days to master.

With that being said, there are three ways to invalidate the guarantee.

1. All training courses are available instantly via streaming video. There is also an option to download them to your PC/phone/tablet/etc. If you download any material during the first 30 days, this will be documented via our software (via the email address you sign up with during checkout process). Downloading of any content invalidates the guarantee. (Robotic Trading: Skill Sharpening study guides are not included. These need to be printed out, therefore, the downloading of them does not invalidate the guarantee)
2. The guarantee comes from the fact that I am VERY confident if you put in the genuine effort and work, you will be satisfied with the program. Therefore, you must show “genuine effort and work”.

   “Genuine effort and work” are being quantified as completing the first two classes and giving me the opportunity to personally help you before asking for a refund. How is “work” being defined? The second class, Robotic Trading: Skill Sharpening, includes study guides that should be printed out as part of the training course. As part of your Refund Request, you will need to send us these study guides showing that you did indeed fill them out and put in the “work”. How is “genuine effort” being defined? You also must give me a chance to personally help you. If you are struggling and/or need clarification on something, you must email me with your questions and give me a chance to help BEFORE you ask for a refund. In making the purchase, you are agreeing with me and the following logic: you asking me questions AFTER you realize you need to in order to meet the definition of “genuine effort” is not very genuine.

   If nothing has been downloaded, you’ve filled out the interactive study guides and have given me a chance to personally help by asking questions before asking for a refund, but do not feel any progress, then I refuse to keep your money. You will be refunded in total. That I can guarantee you.

3. Pay-As-You-Go $497 Payment Plan – this payment method invalidates the guarantee. I am making the guarantee based on my confidence of the “full program”. By doing the payment plan, you only have 1/6th of the full program and again, the “source” of my confidence (and therefore the 30 day guarantee) is based on the entire program, NOT 1/6th of it. Also, given this process is 6 payments, and the guarantee is 30 days, I hope you see how the numbers do not work out. If you don’t like the content after your first $497 payment, you can simply stop paying.

Termination for Member Violations

1. There is absolutely no refund in any shape or manner if a member is found to be spamming other websites, email addresses, free email sign up pages or any such solicitation to join another service. All such issues shall be reported to me via the contact page. Any member that solicits another site or service via the ClayTrader.com site or Inner Circle chat room shall have an immediate account termination with no refund of unused money.
2. There is absolutely no refund in any shape or manner if a member is found to be in violation of any of the chat room rules (found HERE) and/or the message board forum rules (found HERE). A warning may be issued; however, depending on the offense, I reserve the right for instant termination with again, NO refunds in any form being issued.
3. There is absolutely no refund in any shape or manner if a member is found to be sharing premium content with non-paying members. There will be no warning for this. It will be an instant termination.
   • Any member (or non-member) who has purchased a course and is found to be sharing the link with others who have not paid, this will result in instant termination for paying members. For both paying and non-paying members, there will be legal action taken against those who are a part of the scheme.

Earnings and Income

Any income or earnings statements are estimates of income potential only, and there is no assurance that your earnings will match the figures we present. Your reliance on the figures we present is at your own risk. Any income or earnings depicted are NOT to be interpreted as common, typical, expected, or normal for the average student. This particular result may be exceptional, and the variables that impact results are so numerous and sometimes uncontrollable, that ClayTrader.com makes no guarantees as to your income or earnings of any kind, at any time.

Where specific income figures are used, and attributed to an individual or business, those persons or businesses have earned that amount. But, there is no assurance that your earnings or income will match those figures, or that you will make any money at all. If you rely upon our examples or figures, you do so at your own risk, and you accept all risk associated with your reliance.

Any and all claims or representations as to income earnings made on our web sites or in our materials or information are not to be considered as average earnings. Testimonials are not representative. There can by no assurances that any prior successes, or past results, as to income earnings, can be used as an indication of your future success or results.

Monetary and income results are based on many factors. We have no way of knowing how well you will do, as we do not know you, your background, your work ethic, or your business skills or practices. Therefore we do not guarantee or imply that you will win any incentives or prizes that may be offered, that you will make any income or earnings, that you will do well, or that you will make any money at all. If you rely upon our examples or figures, you do so at your own risk, and you accept all risk associated with your reliance.

Financial trading businesses and earnings derived therefrom, have unknown risks involved, and are not suitable for everyone. Making decisions based on any information presented in our programs, products, services or on our website, should be done only with the knowledge that you could experience significant losses, or make no money at all. Only risk capital should be used.

All products and services of our company are for educational and informational purposes only. Use caution and seek the advice of qualified professionals. Check with your accountant, lawyer or professional advisor, before acting on this or any information.

Users of our programs, products, services and website are advised to do their own due diligence when it comes to making business decisions and all information, programs, products and services that have been provided should be independently verified by your own qualified professionals. Our information, programs, products and services should be carefully considered and evaluated before reaching a business decision, or whether to rely on them. All disclosures and disclaimers made herein, on our web sites or in any materials provided to you apply equally to any offers, prizes or incentives that may be made by our company.

You agree that our company is not responsible for the success or failure of your business decisions relating to any information presented by our company, or our company programs, products and/or services.

Privacy Policy

This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally Identifiable Information’ (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, credit card information or other details to help you with your experience.

When do we collect information?

We collect information from you when you register on our site, place an order, subscribe to a newsletter, Use Live Chat or enter information on our site.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

• To allow us to better service you in responding to your customer service requests.
• To quickly process your transactions.
• To send periodic emails regarding your order or other products and services.
• To follow up with them after correspondence (live chat, email or phone inquiries)

How do we protect your information?

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible.

We use regular Malware Scanning.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use ‘cookies’?

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:
• Help remember and process the items in the shopping cart.
• Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, It won’t affect the user’s experience .

Third-party disclosure

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it’s release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third-party links

Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google

Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

We use Google AdSense Advertising on our website.

Google, as a third-party vendor, uses cookies to serve ads on our site. Google’s use of the DART cookie enables it to serve ads to our users based on previous visits to our site and other sites on the Internet. Users may opt-out of the use of the DART cookie by visiting the Google Ad and Content Network privacy policy.

We have implemented the following:

We, along with third-party vendors such as Google use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or other third-party identifiers together to compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.

Opting out:
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA, we agree to the following:
Users can visit our site anonymously.
Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.
Our Privacy Policy link includes the word ‘Privacy’ and can easily be found on the page specified above.

You will be notified of any Privacy Policy changes:
• On our Privacy Policy Page
Can change your personal information:
• By emailing us
• By logging in to your account
• By chatting with us or by sending us a support ticket

How does our site handle Do Not Track signals?
We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third-party behavioral tracking?
It’s also important to note that we do not allow third-party behavioral tracking

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not specifically market to children under the age of 13 years old.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify you via email
• Within 7 business days
We will notify the users via in-site notification
• Within 7 business days

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:
• Send information, respond to inquiries, and/or other requests or questions
• Process orders and to send information and updates pertaining to orders.
• Send you additional information related to your product and/or service
• Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CANSPAM, we agree to the following:
• Not use false or misleading subjects or email addresses.
• Identify the message as an advertisement in some reasonable way.
• Include the physical address of our business or site headquarters.
• Monitor third-party email marketing services for compliance, if one is used.
• Honor opt-out/unsubscribe requests quickly.
• Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at
• Follow the instructions at the bottom of each email.
and we will promptly remove you from ALL correspondence.

Contacting Us

If there are any questions regarding this privacy policy, you may contact us using the information below.

claytrader.com
PO BOX 141651
Grand Rapids, Michigan 49514
United States
support@claytrader.com

Testimonial Disclaimer

In compliance with 16 CFR 255 and Federal Trade Commission Guidelines on the use of endorsements and testimonials in the marketing and advertising of websites, “ClayTrader.com” hereby declares any and all relationships between those parties providing testimonials or endorsements regarding the site or any products sold on it as follows:

Any and all endorsements published on “ClayTrader.com” website were voluntarily provided by the persons indicated in the specific testimonial or endorsement. The testimonials are not paid, nor were they provided with free products or any benefits in exchange for said statements. The testimonials are not indicative of future performance or success of any other individuals. Our Company cannot and does not guarantee any results of individuals or couples utilizing the products or material provided by our company, or from any of the websites, we link, or refer to.  The testimonials and endorsements found on the site for the benefit of the site or individual products are, to the best of our knowledge, the true statements and beliefs of the individuals providing them.  The testimonials presented on “ClayTrader.com” website are applicable to the individuals depicted only and may not be representative of the experience of others.

Terms of Use

The disclaimer is to be read and fully understood before using our site, or joining our email list.

PLEASE NOTE WELL: ClayTrader.com is not a Registered Investment Advisor, Broker Dealer or a member of any association for other research providers in any jurisdiction whatsoever and we are not qualified to give financial advice. Investing/trading in financial securities is highly speculative and carries an extremely high degree of risk.

Release of Liability: Through use of this website viewing or using you agree to hold ClayTrader.com and its operators owners and employees harmless and to completely release them from any and all liability due to any and all loss (monetary or otherwise), damage (monetary or otherwise), or injury (monetary or otherwise) that you may incur.

Readers are advised that this analysis report is issued solely for informational purposes. Neither the information presented nor any statement or expression of opinion, or any other matter herein, directly or indirectly constitutes a representation by the publisher nor a solicitation of the purchase or sale of any securities. The information contained herein is based on sources which we believe to be reliable but is not guaranteed by us as being accurate and does not purport to be a complete statement or summary of the available data. The owner, publisher, editor and their associates are not responsible for errors and omissions. They may from time to time have a position in the securities mentioned herein and may increase or decrease such positions without notice. Any opinions expressed are subject to change without notice.

This website/newsletter is a service of ClayTrader.com, that has been compensated for some of the companies profiled. When compensated, all direct and third party compensation received has been disclosed within each individual profile in accordance with section 17(b) of the Securities Act of 1933. This compensation constitutes a conflict of interest as to our ability to remain objective in our communication regarding the profiled companies. ClayTrader.com, and/or its affiliated will hold, buy, and sell securities in the companies profiled. When compensated in shares, all readers should be aware that is our policy to liquidate all shares immediately. We reserve the right to buy or sell the shares of any the companies mentioned in any materials we produce at any time. This compensation constitutes a conflict of interest as to our ability to remain objective in our communication regarding the profiled companies.

ClayTrader.com encourages readers and investors to supplement the information in these reports with independent research and other professional advice.

SAFE HARBOR STATEMENT: Never invest in any stock featured on our site or emails unless you can afford to lose your entire investment. This stock profile/advertisement or e-mail alert contains or incorporates by reference” forward-looking statements,” including certain information with respect to plans and strategies of the featured company. As such, any statements contained herein or incorporated herein by reference that are not statements of historical fact may be deemed to be forward-looking statements. Without limiting the foregoing, the words “believe(s),” “anticipate(s),” “plan(s),” “expect(s),” “project(s)”, _forecast(s) _will,_ _estimate(s),_ “understand(s)” or that by statements indicating certain actions _may,_ _could,_ or _might_ occur and similar expressions which are intended to identify forward-looking statements. There are a number of important factors that could cause actual events or actual results of the & Companies profiled herein to differ materially from these forecasts and projections as indicated by such forward-looking statements. Statements that are not strictly historical are _forward-looking_ within the meaning of the Safe Harbor Clause of the Private Securities Litigation Reform Act of 1995. Investors are cautioned that such forward-looking statements invoke risk and uncertainties that may cause the Company’s actual results to differ materially from such forward-looking statements. These risks and uncertainties include, but are not limited to, demand for the Company’s product both domestically and abroad, the Company’s ability to continue to develop its market, the Company’s ability to obtain necessary financing, general economic conditions, and other factors that may be more fully described in the company’s literature and any periodic filings with the Securities and Exchange Commission. Everything listed here creates an inherent conflict of interest and readers are encouraged to do their own research. Certain statements contained herein are “forward-looking” statements (as such term is defined in the Private Securities Litigation Reform Act of 1995). Because such statements include risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. Factors that could cause results to differ materially from those expressed or implied by such forward-looking statements include, but are not limited to, results from ongoing research and development as well as clinical studies, ability to reproduce study results in humans, failure to obtain regulatory approval for the Company’s products, if required, failure to develop a product based on the Company’s technology, failure of any such products to compete effectively with existing products, the inability to find a strategic partner or to consummate a relationship with a potential strategic partner on acceptable terms, and other factors discussed in filings made by the Company with the Securities and Exchange Commission.

The disclaimer is to be read and fully understood before using our site, or joining our email list.

PLEASE NOTE WELL:  ClayTrader.com employees are not Registered as an Investment Advisor in any jurisdiction whatsoever. You need to do your own research and form your own opinion. ClayTrader.com employees are not a analyst and in no way making any projections or target prices.

Release of Liability: Through use of this website viewing or using you agree to hold ClayTrader.com and its operators owners and employees harmless and to completely release them from any and all liability due to any and all loss (monetary or otherwise), damage (monetary or otherwise), or injury (monetary or otherwise) that you may incur. Neither the information presented nor any statement or expression of opinion, or any other matter herein, directly or indirectly constitutes a representation by the publisher nor a solicitation of the purchase or sale of any securities. The information contained herein is based on sources which we believe to be reliable but is not guaranteed by us as being accurate and does not purport to be a complete statement or summary of the available data. The owner, publisher, editor and their associates are not responsible for errors and omissions. They may from time to time have a position in the securities mentioned herein and may increase or decrease such positions without notice. Any opinions expressed are subject to change without notice. ClayTrader.com encourages readers and investors to supplement the information in these reports with independent research and other professional advice.

All information on featured companies is provided by the companies profiled, or is available from public sources

ClayTrader.com and makes no representations, warranties or guarantees as to the accuracy or completeness of the disclosure by the profiled companies. ClayTrader.com, nor any of its affiliates are not registered investment advisers or a broker dealers. ClayTrader.com has been advised that the investments in companies profiled are considered to be high risk and use of the information provided is at the investor’s sole risk. ClayTrader.com has also been advised that the purchase of such high risk securities may result in the loss of some or all of the investment. Investors should not rely solely on the information presented. Rather, investors should use the information provided by the profiled companies as a starting point for doing additional independent research on the profiled companies in order to allow the investor to form his or her own opinion regarding investing in the profiled companies. Factual statements made by the profiled companies are made as of the date stated and are subject to change without notice. Investing in micro-cap securities is highly speculative and carries an extremely high degree of risk. It is possible that an investor’s entire investment may be lost or impaired due to the speculative nature of the companies profiled. ClayTrader.com makes no recommendation that the securities of the companies profiled should be purchased, sold or held by individuals or entities that learn of the profiled companies through ClayTrader.com. ClayTrader.com owners may or may not hold positions in the companies that are profiled. Investing in securities is highly speculative and carries an extremely high degree of risk. It is possible that an investor’s investment may be lost or impaired due to the speculative nature of the companies profiled.

The information contained herein contains forward-looking information within the meaning of Section 27A of the Securities Act of 1993 and Section 21E of the Securities Exchange Act of 1934 including statements regarding expected continual growth of the company and the value of its securities. In accordance with the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 it is hereby noted that statements contained herein that look forward in time which include everything other than historical information, involve risk and uncertainties that may affect the company’s actual results of operation. Factors that could cause actual results to differ include the size and growth of the market for the company’s products, the company’s ability to fund its capital requirements in the near term and in the long term, pricing pressures, unforeseen and/or unexpected circumstances in happenings, pricing pressures, etc. Investing in securities is speculative and carries risk. Past performance does not guarantee future results.

Third Party Web Sites and Information

ClayTrader.com and newsletter may provide hyperlinks to third party websites or access to third party content. ClayTrader.com does not control, endorse, or guarantee content found in such sites. You agree that ClayTrader.com is not responsible for any content, associated links, resources, or services associated with a third party site. You further agree that ClayTrader.com shall not be liable for any loss or damage of any sort associated with your use of third party content. Links and access to these sites are provided for your convenience only. Do not listen to what we say, do your own research. Educational use only, not intended as advice.

Agreement

This agreement contains the entire agreement between the visitor and ClayTrader.com regarding the use of the service, and supersedes all prior written and oral understandings and writings.

The agreement shall be governed pursuant to the laws of the state of Michigan. The member hereby warrants and represents that he or she is in all respects qualified and competent to enter into this agreement.

This page last updated 2019-05-14