Our Purchase Policies are designed to provide you with the information you need for a smooth transaction. Please take a minute to read them. We also may change these policies from time to time, so check back prior to making additional purchases.
Payment Policy & Methods:
As consideration for the products we provide to you, you agree to pay Rule #1 Investing, Inc. the applicable fees and other costs set forth at the time you purchase the product.
Specials and limited time offers have different fees and costs and may be subject to other terms and conditions.
Prior to your purchase of a product, we may change fees and costs, at any time, for any reason, at our sole discretion, without prior notice to you.
All fees and costs are due at the time of purchase. You agree to pay all value added, sales and other taxes. All payments must be made in U.S. dollars.
ALL FEES ARE NON-REFUNDABLE, IN WHOLE OR IN PART.
Rule #1 Investing, Inc. accepts Discover/Novus, MasterCard, Visa and American Express.
We ship within the U.S. only and this website is intended for United States residents only.
The estimated shipment date on your order is based on product availability, payment processing time, and warehouse processing time and does not include transit time. Rule #1 Investing, Inc. does not begin payment processing until Rule #1 Investing, Inc. receives all of the information that it needs and full payment or a full authorization. Rule #1 Investing, Inc. will begin payment processing for orders placed on weekends or holidays on the next business day. Business days are Monday through Friday, excluding federal holidays.
Undeliverable Packages: Occasionally packages are returned to Rule #1 Investing, Inc as undeliverable. When the carrier returns an undeliverable package to Rule #1 Investing, Inc, please contact Rule #1 Investing, Inc. at firstname.lastname@example.org to make arrangements for reshipment.
Failed Delivery Attempts: Most carriers make three attempts to deliver a package. After three delivery attempts, the carrier will return the package to Rule #1 Investing, Inc.
Returns & Refunds
All Rule #1 Investing, Inc. products are non-returnable and non-refundable.
Paybacktime.com is a Rule #1 Investing Inc. product. Rule #1 Investing, Inc. products are intended for use solely by the individual that accesses our website or, in the case of Rule #1 Investing, Inc. products offered for sale, by the individual that has purchased the product. You may access and use the materials provided in Rule #1 Investing, Inc. products, and download and/or print out a copy of the materials, solely for your personal use. You may not allow another person to use your access codes and you may not allow or facilitate multiple users using the same access code to obtain Rule #1 Investing, Inc. products.
Intellectual Property Rights
Disclaimer of Warranties RULE #1 INVESTING, INC. AND ITS AFFILIATES PROVIDE THE MATERIALS AVAILABLE AT Paybacktime.com and OTHER RULE #1 INVESTING, INC. PRODUCTS, "AS IS" AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, RULE #1 INVESTING, INC. AND ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, SPONSORS AND ADVERTISERS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES RELATING TO THE ADEQUACY, ACCURACY OR COMPLETENESS OF ANY INFORMATION, PRODUCT OR SERVICES. RULE #1 INVESTING, INC. AND ITS AFFILIATES, THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, SPONSORS AND ADVERTISERS DO NOT WARRANT THAT YOUR USE OF ANY RULE #1 INVESTING, INC. PRODUCTS WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT RULE #1 INVESTING, INC. PRODUCTS, INCLUDING THE SERVERS ON WHICH WEBSITES ARE HOSTED ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED OR OTHER WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE INFORMATION, PRODUCTS AND SERVICES, INCLUDING WEB SITES, AND ALL CHARGES RELATED THERETO. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF AND RELIANCE ON Payback Time PRODUCTS AND SERVICES. OPINION, ADVICE, OR STATEMENT OF RULE #1 INVESTING, INC., ITS AFFILIATES OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, SPONSORS AND ADVERTISERS, WHETHER MADE ON A WEBSITE OR OTHERWISE, SHALL NOT CREATE ANY WARRANTY. YOUR USE OF RULE #1 INVESTING, INC. PRODUCTS IS ENTIRELY AT YOUR OWN RISK.
Limitation of Liability
NEITHER RULE #1 INVESTING, INC. NOR ITS AFFILIATES OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, SPONSORS OR ADVERTISERS ARE RESPONSIBLE OR LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO ANY RULE #1 INVESTING, INC. PRODUCT. YOUR SOLE REMEDY FOR DISSATISFACTION WITH ANY RULE #1 INVESTING, INC. PRODUCTS IS TO STOP USING THEM. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT—INCLUDING, WITHOUT LIMITATION—NEGLIGENCE), OR OTHERWISE) SHALL BE THE TOTAL AMOUNT PAID BY YOU, IF ANY, FOR THE RULE #1 INVESTING, INC. PRODUCT. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OF LIABILITY, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
Your use of this website is subject to any applicable laws, regulations, order or other similar restrictions regarding the export of this website and access software or other information about this website and access software that may be imposed by the Unites States government from time to time. You expressly agree that you are not in a foreign country where such export is prohibited or are a person or entity to which such export is prohibited. You are responsible for complying with the laws of the jurisdiction in which you located as they apply to the import or export of this website and access software.
From time to time, we make information available to you regarding our business and the investment industry. Remember, ALL TRADING AND INVESTMENT ACTIVITY INVOLVES RISK. We provide strategies and education designed to inform and teach you about investing and how possibly to limit risk and make profits from investing. There is no assurance that you will make profits from what you are learning from us.
You should review the information on these pages from time to time.
Testimonials and similar statements about success are made for promotional purposes. Success and results described in testimonials or other statements may not be representative of other students’ experiences. Results will vary, and there are no assurances you are likely to achieve successful investment or trading results.
Links to Other Websites
Paybacktime.com, Rule #1 Investing, Inc. and its Affiliates’ websites may provide links to other third-party websites or resources. Rule #1 Investing, Inc. and its Affiliates make no representations about any other website which you may access. Rule #1 Investing, Inc. and its Affiliates are not responsible for the availability or any content, advertising, products, services or other materials from other websites.
Data and Other Information
Paybacktime.com, Rule #1 Investing, Inc. products could include inaccuracies or errors. We do not make guarantees as to the completeness or correctness of any Rule #1 Investing, Inc. product. Any data used or made available by Rule #1 Investing, Inc. is from sources believed by it to be reliable and accurate; however, Rule #1 Investing, Inc. does not investigate the sources or confirm the data and it does not make any representations that the data or resulting calculations are complete or otherwise accurate.
From time to time, Rule #1 Investing, Inc. may reference prior articles and opinions. These references may be selective, may reference only a portion of an article or opinion, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.
IMPORTANT NOTICES ABOUT TRADING RULE #1 INVESTING, Inc. and its personnel are not registered broker-dealers or investment advisers. You are encouraged to speak with licensed broker-dealers, investment advisers or counselors of your choice regarding the appropriateness of investing or of any particular investment strategy or security.
Rule #1 Investing, Inc. products are for informational and educational purposes only, and no mention of a particular security in any Rule #1 Investing, Inc. product constitutes a recommendation to buy, sell, or hold that or any other security, or that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. None of the information providers (e.g., instructors or sales persons) or their affiliates will advise you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent any of the information contained in any Rule #1 Investing, Inc. product may be deemed to be investment advice, it is impersonal and not tailored to the individual investment needs of any specific person.
Rule #1 Investing, Inc. personnel are not subject to trading restrictions. Rule #1 Investing, Inc. personnel could have a position in a security or initiate a position in a security at any time. In the event you enter into trading transactions, Rule #1 Investing, Inc. personnel also may be trading or have positions in the same securities.
Rule #1 Investing, Inc. products contain opinions about securities, and the opinions differ. For example, an opinion about a security in a certain Rule #1 Investing, Inc. publication could differ from an opinion about the same security that is in another Rule #1 Investing, Inc. publication.
All investments and trading involve risk. Trading and investing subjects you to risk of losses, including losses greater than your original investment. Many strategies, investments and securities (including options) are not suitable for everyone. Rule #1 Investing, Inc. does not determine whether any strategy, investment or security is suitable for any individual.
No one should invest or trade with money they cannot afford to lose.
Past results are not indicative of future performance.
Where hypothetical or simulated examples are provided, because they do not represent actual trading, they have limitations. They are designed with hindsight and thus, can be biased to select favorable performance results. Also, since the trades have not been executed, the results may have under or over compensated for certain factors such as the lack of market liquidity.
This policy covers Rule #1 Investing, Inc.'s use of personal information that it collects when you use the Paybacktime.com website or its affiliated sites. From time to time, you will be asked to submit identifying information about yourself (e.g. name and email address) in order to receive or use our products, such as electronic downloads, newsletters, online webshops and live chats. By entering your details in the fields requested, you enable Rule #1 Investing, Inc. and its service providers to provide you with the products you select. Whenever you provide personal information, we will treat that information in accordance with this policy. When using your personal information Rule #1 Investing, Inc. will act in accordance with current legislation and aim to meet current best practices.
Any information you provide to Paybacktime.com, and Rule #1 Investing, Inc. will only be used within Rule #1 Investing, Inc. and by its agents and or service providers. Your information also will be disclosed, however, when required by law or we believe in good faith that such action is necessary in order to comply with the law or legal process. Also, if you post or send offensive, inappropriate or objectionable content anywhere on or to Paybacktime.com, or its affiliated sites, or otherwise engage in any disruptive behavior, Rule #1 Investing, Inc. can use information about you in connection with stopping such behavior and exercising its rights and remedies. This may involve informing relevant third parties such as Internet service providers and law enforcement agencies about the content and your behavior.
Submissions and Postings By sending or transmitting to us suggestions, ideas, notes, concepts, information, or other materials (collectively, "Materials"), or by posting Materials to any area of our websites, you grant us a worldwide, non-exclusive, sublicensable (through multiple tiers), assignable, royalty-free, perpetual, irrevocable right to use, reproduce, distribute (through multiple tiers), create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import such Materials in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Materials. None of the Materials disclosed in any forum on our web sites shall be subject to any obligation, whether of confidentiality, attribution, or otherwise, on our part and we shall not be liable for any use or disclosure of any Materials.
Discussion Forums Information provided in discussion forums may be provided by third parties (e.g., students) not connected with Rule #1 Investing, Inc., some of whom may use anonymous screen names. People may post messages or make statements that are inaccurate, misleading, or deceptive, whether intentionally or unintentionally. We neither endorse nor are responsible for any opinion, advice, information, or statement made or displayed by third parties, nor are we responsible for any errors or omissions in such postings, or for hyperlinks embedded in messages.
The opinions expressed by others are solely the opinions of those persons, and do not reflect the opinions of the Rule #1 Investing, Inc. or any of its Affiliates. We have no obligation to monitor discussion forums, or any other materials that you or other third parties transmit or post on or to our websites. Under no circumstances will Rule #1 Investing, Inc. or its Affiliates be liable for any loss or damage caused by your reliance on information obtained in discussion forums. We have the right (but not the obligation) to monitor our web sites and the materials you transmit or post; to alter or remove any such materials (including, without limitation, any posting); and to disclose such materials and the circumstances surrounding their transmission to any third party.
CODE OF CONDUCT While using Paybacktime.com or any Rule #1 Investing, Inc. product, you agree not to:
- Restrict or inhibit any other visitor or member from using any Rule #1 Investing, Inc. product, including, without limitation, by means of "hacking" or "cracking" or defacing any portion of any Rule #1 Investing, Inc. websites;
Use any Rule #1 Investing, Inc. product for any unlawful purpose;
Express or imply that any statements you make are endorsed by us;
Transmit (a) any content or information that is unlawful, fraudulent, threatening, harassing, abusive, libelous, defamatory, obscene or otherwise objectionable, or infringes on our or any third party's intellectual property or other rights; (b) any material, non-public information about companies; (c) any trade secret of any third party; or (d) any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication (except as otherwise expressly permitted by us);
Engage in spamming or flooding;
Transmit any software or other materials that contain any virus, worm, time bomb, Trojan horse, or other harmful or disruptive component;
Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of any Rule #1 Investing, Inc. websites or to otherwise violate any of our rights relating to our ownership and provision of our website or other Rule #1 Investing, Inc. products;
Remove any copyright, trademark, or other proprietary rights notices contained in a Rule #1 Investing, Inc. websites;
"Frame" or "mirror" any part of Rule #1 Investing, Inc. websites;
Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of any Rule #1 Investing, Inc. product or its contents;
Harvest or collect information about visitors to or members of Rule #1 Investing, Inc. websites; or
Permit anyone without an account or subscription to use any Rule #1 Investing, Inc. product through your subscription, user name or password.
While using Rule #1 Investing, Inc. products you agree to comply with all applicable laws, rules and regulations.
Issues or questions: email@example.com