Within the past twenty years, the world has experienced an unprecedented period of globalization. The interconnection between different countries’ economies and subsequent foreign dependency has led to an ever-increasing number of investors looking outside their own country’s markets and investing in foreign stocks. Ryan Donovan Granger, a foreign investor, based in Chicago, IL, has spent the last few years investing in foreign markets and hopes to share his experiences with other American investors. Today, investment strategist Ryan Donovan Granger will share different methods of investing in foreign stock markets and hopefully inspire others to invest in strong foreign markets. 

American Depository Receipts (ADRs)

American deposits receipts, otherwise known as ADRs, are one of the most common ways to buy foreign stocks. A number of foreign companies have used ADRs to establish themselves within US markets and raise capital. The most prominent example of this is the Chinese e-commerce company Alibaba, which raised 25 billion in 2014 by listing its ADRs on the New York Stock Exchange. ADRs are often separated into three distinct categories, level 1, level 2, and level 3. 

Level 1 ADRs: are unsponsored, meaning they can only be used to trade over-the-counter. For this reason, level 1 ADRs are typically used to establish a trading presence within the United States and not to raise capital. 

Level 2 ADRs: are used to establish a trading presence on a national exchange such as the NYSE, but not to raise capital. 

Level 3: ADRs: can be listed on national exchanges and used to raise capital. 

Exchange-Traded Funds (ETFs)

Investing in a foreign stock market can be tricky; however, international exchange-traded funds offer investors an easy, convenient avenue to access foreign markets. As exchange-traded funds are managed, it can be easier to pick an ETF than to construct a portfolio of foreign stocks. ETFs often cover a wide variety of investment categories, including geographic region, investment style, investment sectors, and market capitalization. Some of the most well-known ETF providers include State Street Global Advisors, First Trust, Invesco, Charles Schwab, and Vanguard. 

Foreign Direct Investing

Many investors decide to directly invest in foreign markets using one of two methods. Investors looking to invest in foreign markets can either open a global account with a broker in their home country, with brokers such as Fidelity, Interactive Brokers, and Charles Schwab, or open an account with a local broker in their country of choice. Ryan Donovan Granger suggests that individuals looking to invest in Hong Kong utilize MONEX BOOM as it allows investors to access prime Hong Kong Stocks and 11 other markets. 

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Restrict or inhibit any other visitor from using the Company Sites and Materials, including, without limitation, by means of “hacking” or defacing any portion of the websites;
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In order to access some of the services of the websites, you may have to create an account. By creating this account you agree to:

Maintain only a single account;
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Never share your account user name or password or knowingly provide or authorize access to your account (including without limitation any subscription, products, services, or materials made available by the Company);
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Be solely responsible for the activity that occurs on your account, and keep your account password secure; and
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The Company may allow free speech, debate, and sharing among our users. However, the Company is opposed to language and acts that do not further the mission of the websites and our community, including personal attacks on other users.

The Company may, in its sole discretion, grant particular users the authority to moderate any and all User Submissions. Due to the volume of content, we may not review moderation decisions with users. In addition, individual moderators may adopt their own guidelines for chat rooms that they moderate. Users are encouraged to follow these moderator guidelines, but at all times this Code of Conduct and the Company’s Privacy Policy supersede such moderator guidelines to the extent that such guidelines are inconsistent with these Terms or the Company’s Privacy Policy.

You may not circumvent any measures we may put in place to protect the privacy or confidentiality of your account or information, or the account or information of ourselves, our affiliates, or other users, including encryption measures or the use of multi-factor authentication.

This Privacy Statement (“Privacy Statement” or “Statement”) describes the practices of Ryan Donovan Granger (“Ryan Donovan Granger,” “Company,” “we” or “us”) with respect to information, including Personally Identifiable Information (“PII” or Personal Data) (which means any information relating to an identified or identifiable natural person), and non-personally identifiable information (“non-PII”) , we obtain from and about individuals interacting with us and our websites, mobile applications, products and services (collectively, our “Services”). This Statement does not apply to job applicants or Company employees.

This Privacy Statement only applies to the data processing activities of Ryan Donovan Granger. This Privacy Statement does not apply to services, websites or mobile apps offered by third parties, even if this site links to those services or third parties. We encourage you to read the privacy statements of every third party website that collects your PII.

Please read the information below to learn about the information, including PII, collected about you and how it is used. Please note that there is a separate Terms of Service found at the hyperlink located at the bottom of our site.

Changes to this Statement. We may change this Statement at any time by posting revisions to the Statement on our Services including, without limitation, this site. Therefore, you should review the Statement from time to time. If you do not accept all of the terms, conditions and notices set forth in the Privacy Statement, you must discontinue using the Services, which includes exiting this site, immediately. The most current version of the Statement may be reviewed by clicking on the “Privacy Statement” link located at the bottom of our site.

Collection of Information from Children. We do not intentionally collect information from or regarding minors. The Services are not directed to, or intended for use by, children under the age of 18. Children may not use or submit any information through the Services or its sites. If you are under the age of 18, you may not use our Services or Services. If a child under 18 submits information through any part of the Services, and we become aware that the person submitting the information is a child, we will attempt to delete this information as soon as possible.

Information We Collect. We use the information we collect from you while you are using the Site in a variety of ways,including using the information to customize features; advertising that appear on the Site; and,making other offers available to you via email, direct mail or otherwise. We also may provide your information to third parties, such as service providers, contractors and third-party publishers and advertisers for a variety of purposes. Unless you inform us in accordance with the process described below, we reserve the right to use, and to disclose to third parties, all of the information collected from and about you while you are using the Site in any way and for any purpose, such as to enable us or a third party to provide you with information about products and services. If you do not wish your information to be used for these purposes, you must send a letter to the Online Privacy Coordinator whose address is listed at the end of this Privacy Policy requesting to be taken off any lists of information that may be used for these purposes or that may be given or sold to third-parties.

Personally Identifiable Information (“PII”), which may include your first and last name, home or other physical address, telephone number, email address, user id, other identifiers that permit physical or online contact with you, or any information about you collected online and maintained in personally identifiable form in combination with any of the preceding categories. You also may view or engage with our Services through third-party social networking sites or social media plug-ins and applications. When you engage with our Services and its content through such third-party sites, plug-ins or applications, we may have access to certain information from your social media profile, such as your name, photo, gender, birthday, location, videos, your list of friends, etc. This information is included in the definition of PII.

Non-personally identifiable information (“non-PII”) such as, the type of browser you are using, the type of operating system you are using, the web pages you have visited sites visited before and after you use our Services, the type of handheld or mobile device used to access the Services or other device-specific information.

Certain features available within the Services will require you to submit PII about yourself as a condition of participation. Some of the features may be offered by us, while others may be offered by third parties. (For example, you may be required to submit PII in order to request information and offers from us and our partners.) When you choose to submit PII to a third party in connection with your use of the Services, the third party’s privacy policy, rather than this Statement, will control the use of your PII. YOU CAN ALWAYS REFUSE TO PROVIDE PII TO US, BUT THIS MAY RESULT IN DECREASED FUNCTIONALITY OF THE SERVICES FOR YOU AND LIMIT YOUR ABILITY TO RECEIVE INFORMATION ABOUT SERVICES THAT MAY BE OF PARTICULAR INTEREST TO YOU.

How Information is Collected. We collect information both actively and passively. For example, we will collect information about you that you voluntarily provide while using our Services. In addition to information provided directly by you, we (and third parties that offer features through the Services) may collect non-PII through the use of “cookies,” “web beacons,” “Flash cookies” or by other electronic means.

Cookies. In general, a cookie is a small amount of data sent to your browser from a web server and stored on your computer’s hard drive, where it can be used to identify your computer. Cookies can be used to measure website usage, improve navigation around websites, and personalize a returning visitor’s experience on the websites. In most cases, you can set your browser to turn off cookies or to notify you before you receive one so that you can decide whether to accept it or not. Because cookies allow you to take advantage of some of the features of the Services, we recommend that you leave them turned on. If you block or reject our cookies, some of the features of the Services may not work for you. You can refer to the instructions for your browser to learn more about these functions.

Web Beacons. We, our third-party service providers, advertisers and partners also may use “web beacons” or similar technologies. Web beacons are small strings of code placed on a web page to collect data about how visitors use the Services. For example, web beacons may be used to count the number of users who visit the Services or to deliver a cookie to the browser of a visitor to the Services. If you set your browser to turn off cookies, web beacons and similar technologies will detect your visits to the Services, but they will not associate your activity on the Services with information that otherwise would be stored in cookies. We do not control tracking technologies used by third parties with the Service.

Flash Cookies. The Services uses locally stored objects, also called “Flash cookies,” when it uses Adobe Flash Player (“Flash”) to provide special content such as video streaming, video on demand, video clips or animation. Flash, and similar applications, use Flash cookies to remember visitors’ Services settings, preferences and usages. Flash cookies are managed directly through Adobe’s websites, rather than through your web browser.

Third-Party Advertising and Third-Party Websites. These websites allows advertising by third parties that provide links to third-party websites. Internet advertising companies and the third-party websites on whose behalf they advertise (collectively “Third Parties”) may use the technology described above to send (or “serve”) directly to your browser the advertisements that appear on our Services. When this happens, Third Parties automatically receive non-PII, such as information from your computer and browser, including your cookie information. They also may use cookies, Javascript, Pixel Tags and other technologies to deliver advertisements; collect information about the effectiveness of their advertisements; collect anonymous information about your visits to the Services, such as the number of times you have viewed an ad; or customize the advertising content you see. Third Parties will not collect your name, address, or other PII, unless you affirmatively provide it to them. We let Third Parties set and access their cookies on your computer. Third Parties’ use of their own cookies is subject to their own privacy policies. For more information about these specialized cookies and other technologies, and to learn more about behavioral advertising or to opt out of this type of advertising for some companies, you can visit https://www.networkadvertising.org or https://networkadvertising.org/optout_nonppii.asp. You may review the instructions and/or the privacy settings for your operating system to find out how to opt out of tailored in-application advertisements.

Third Party Links. Please note that our Services, including this site contains links to other websites that do not follow this Privacy Statement. For instance, clicking on an advertisement, links or other elements on the Services may take you to an entirely different websites. Links to other websites may use our Services logo or style as a result of a co-branding agreement. These websites may send their own cookies to you and may collect data and make use of that data in ways that these Services would not. After you leave our Services, this Privacy Statement will no longer apply to PII or any other data collected from or provided by you. You should check the other websites’ applicable privacy policy to determine how it will handle such data.

How Information is Used and Shared. We use your PII for the purpose of conducting our business and pursuing our legitimate interests. For example, we use your PII to:Facilitate communication from third parties to you at your request;
Create and manage your account;
Provide the products and services you request;
Enroll you in contests, programs or other offers you request;
Tell you about other products and services that may be of interest to you (you can opt out of receiving such communications by following the instructions provided in the communication);
Process payment for purchases you have made;
Protect against or identify possible fraudulent transactions;
Analyze the use of our Services;
Develop new products and services;
Understand how you arrived at our Services;
Manage the Services, including this site;
Enforce our Terms of Use; and
Enforce the terms of this Statement.

Advertisements, Marketing Material and Other Offers. Unless you tell us that you do not want to receive these offers and subject to applicable law, the Company or those companies that we have a commercial relationship with, may occasionally send advertisements, marketing material or other offers that we think might be of interest to you. If you do not want to receive these advertisements, marketing material or other offers, please contact us using the contact information found at the end of this Privacy Statement. Where required by law, we will seek your consent prior to sending you any marketing materials. To the extent allowed by law, the provision of your email and phone number to us constitutes your prior express written consent, and electronic signature, authorizing us to contact you at that email address and phone number, including through the possible use of an automatic telephone dialing system or artificial or prerecorded voice, live calls and text messages, for both promotional and informational reasons. You agree that this consent may be assigned by us to third parties and affiliates. You are not required to provide such consent in order to make a purchase as you can always contact us directly to arrange an alternate purchase method. By providing your telephone number to us, you certify that this is your own number that you own, and not a line owned or used by another, and that you will immediately notify us if your number changes or is reassigned. You agree to indemnify us if this is not the case and if the future owner or user of the number makes a claim against us for contact at that number. You may opt out of such contact at any time and through any of the reasonable methods outlined herein. A copy of our internal, written No-Not-Call Policy will be provided upon request.

In the event that Company is considering a sale of its business, in its entirety or a component thereof, or substantially all of its assets are acquired, or a portion thereof, PII and non-PII, may be one of the transferred assets, and may therefore be used by a third-party acquirer in accordance with this Privacy Statement. Such use by a third party may include review of PII, using such PII to contact you either before or after such a transfer or sale, use or transfer of non-PII before or after such a transfer or sale, or for other purposes.

WE MAY DISCLOSE PII ABOUT YOU TO A THIRD PARTY FOR COMPENSATION.

Except we will not share your SMS number collected under the SMS ALERT SERVICES program with any third-party.

In addition, we may share your information as described below:

Information You Elect to Share: You may choose to share information with Third Parties by clicking on links to those Third Parties from within the Services. In addition, you may elect to share information, including PII, through the Services, for instance, posting comments on comment boards. Some of your activity on the Services, including content you have posted, is public by default. Some of this content may include PII.

Third-Party Advertisers and Websites: We may share your non-PII with, or make your non-PII available to, Third Parties as described in the section above titled Third-Party Advertising and Third-Party Websites.

Information Disclosed to Vendors, Partners, Service Providers, and Others for Business Purposes: We contract with vendors to provide services related to the Services and may share PII with such vendors in order to provide products or services to you or to help maintain the Services. We also may share non-PII with our partners, service providers and other persons with whom we conduct business. We will only share your PII in accordance with applicable law.

Information Disclosed for the Protection of the Services and for Others. We may disclose PII when (1) required by law or to respond to legal process or lawful requests, including from law enforcement; (2) when we believe it is necessary to prevent, investigate, or address (a) possible illegal activities, including fraud, (b) violation of our Terms of Use, (c) violation of this Privacy Statement, or (d) threats to the physical safety of any person; or (4) to protect our rights or property.

Forums. The Services may include forums (such as message boards, chat rooms, comment boards, and reviews) that enable users to post a comment or communicate with each other. We are under no obligation to moderate or edit the forums and will not be responsible for the content or use of any material posted on any forum within the Services. We retain the right to delete at any time and for any reason any material posted within the Services.

Information Security. We take information security seriously, and we use reasonable administrative, technical and physical safeguards to protect the PII we collect from unauthorized access, use or disclosure. But we have no control over the security of other websites on the Internet that you might visit. If you share your computer or use a computer that is accessed by the general public, remember to sign off and close your browser window when you have finished your session. This will help to ensure that others cannot access your PII.

Additionally, and as you are likely aware, no system can be completely secure. Therefore, although we take commercially reasonable steps to secure your information, we do not promise, and you should not expect, that your PII, searches or other communications will always remain secure. In the event of a breach of the confidentiality or security of your PII, we will notify you if reasonably possible and as reasonably necessary so that you can take appropriate protective steps. We may notify you under such circumstances using the email address(es) we have on record for you. You should also take care with how you handle and disclose your PII. Please refer to the Federal Trade Commission’s Websites at https://www.consumer.ftc.gov/ for information about how to protect against identity theft.

Your Rights. Under the law of some countries, you may have certain rights with respect to your PII. These rights include the right to: (i) request access to and rectification or erasure of your PII; (ii) obtain restriction of processing or object to processing of your PII; and (iii) ask for a copy of your PII to be provided to you or a third party in a machine readable format. If you wish to exercise one of the above-mentioned rights, please send us your request to the contact details set out below. If you have unresolved concerns, you may also have the right to lodge a complaint about the processing of your PII with your local data protection authority in the European Union or elsewhere.

California Privacy Rights. Under California law, California residents may request once a year, free of charge, certain information regarding our disclosure of PII to third parties for direct marketing purposes. Specifically, we will provide a list of the categories of PII disclosed to third parties for third-party direct marketing purposes, along with the names and addresses of these third parties. To make such a request, please contact us using the contact information at the bottom of this Privacy Statement. We reserve our right not to respond to requests submitted other than to the contact points listed below. You should put “California Privacy Rights” in the subject line and in your request. We may need to verify your identity before providing information to you.

California Do Not Track Disclosure. Certain web browsers may allow you to enable a “do not track” option that sends signals to the websites you visit indicating that you do not want your online activities tracked. This is different than blocking cookies as browsers with the “do not track” option selected may still accept cookies. Our Services currently do not have the functionality to recognize or honor “do not track” browser signaling. We do not respond to “do not track” signals. If we do so in the future, we will modify this Privacy Statement accordingly.

California residents should also click here to access our California Consumer Protection Act (CCPA) Notice.

Users From Outside the United States. The Services are hosted in the United States and is governed by U.S. law. If you are using the Services from outside the United States, please be aware that Millionaire Publishing is located in the United States and your PII will be stored and processed in the United States where we locate and operate our servers and databases. The data protection laws in the United States may not be as strict or comprehensive as those in your country. However, we value your privacy and always strive to treat it in accordance with applicable law. By voluntarily sharing your PII with us, you understand that your PII will be stored and processed in the United States.

Your EU Privacy Rights. If you are using our Services from the EU or where applicable EU data protection laws so provide, you may exercise the following rights regarding your PII:

Access. You have the right to obtain from us confirmation if your PII is being processed and certain information in this regard.
Rectification. You have the right the request the rectification of inaccurate PII and to have incomplete data completed.
Objection. You have the right, when we process PII on the grounds of legitimate interests, to object to the processing of your PII for compelling and legitimate reasons relating to your particular situation, except in cases where legal provisions expressly provide for that processing. In addition, you have the right to object at any time where your PII is processed for direct marketing purposes.
Portability. You may receive your PII that you have provided to us in a structured, commonly used and machine-readable format and have the right to transmit them to other data controllers without hindrance. This right only exists if the processing is based on your consent or a contract and the processing is carried out by automated means.
Restriction. You may request to restrict processing of your PII if (i) you contest the accuracy of it – for a period we need to verify your request; (ii) the processing is unlawful and you oppose the erasure of it and request restriction instead; (iii) we no longer need it, but you tell us you need it to establish, exercise or defend a legal claim; or (iv) you object to processing based on public or legitimate interest – for a period we need to verify your request.
Erasure. You may request to erase your PII if it is no longer necessary for the purposes for which we have collected it, you have withdrawn your consent and no other legal ground for the processing exists, you objected and no overriding legitimate grounds for the processing exist, the processing is unlawful, or erasure is required to comply with a legal obligation.
Right to lodge a complaint. You also have the right to lodge a complaint with a supervisory authority, in particular in the EU Member State of your residence, or the location where the issue that is the subject of the complaint occurred.
Right to refuse or withdraw consent. Please note that in case we ask for your consent to certain processing, you are free to refuse to give consent and you can withdraw your consent at any time without any adverse negative consequences. The lawfulness of any processing of your PII that occurred prior to the withdrawal of your consent will not be affected.
If you have questions about exercising any of those rights or their applicability to any of our particular processing activities or have questions about any data transfer mechanism or want a copy thereof, you may contact us.

Retention. We retain your PII for as long as you remain a customer and thereafter only for the period necessary to fulfill the purposes outlined in this Privacy Statement, unless a longer retention period is required or allowed by law, including to fulfill a legal obligation.

Your Choices. If you do not wish to receive information regarding our products, services, special offers and upcoming events, please click on the “Unsubscribe” link shown on our emails and electronic newsletters to you or contact us at the address or telephone number listed below and we will remove your name from our mailing lists.

Subject to the provisions of section 27 herein, you may access your PII and correct, amend, or delete any of the PII you have provided to us on the Services by emailing us. Please include your name, address, and/or email address when you contact us.

It is possible that you may be denied access to your PII, or may not be able to delete all your PII. For instance, access can be denied when: giving one person access would compromise another’s privacy rights; disclosure is likely to interfere with the safeguarding of national security, defense, or public security; and disclosure could interfere with law enforcement or legal actions. These are only examples, and access may be denied in other situations in compliance with applicable laws. For additional information about California Rights, please see Section 21 above. For additional information about EU rights, please see Section 25 above.

Contact Information. Unless otherwise stated, Ryan Donovan Granger is a data controller under applicable law for PII processed subject to this Statement. If you have any questions about this Statement or the Service, including any request to review or change your PII, or if you believe that your PII has been processed or disclosed in violation of this Statement, please contact us: Ryan Donovan Granger

You may also contact us by email.

We will investigate and attempt to resolve any complaints and disputes regarding the processing of your PII.

YOUR ACCESS TO AND USE OF THE COMPANY SITES AND MATERIALS ARE CONDITIONED ON YOUR ACCEPTANCE OF AND COMPLIANCE WITH THESE TERMS. BY ACCESSING OR USING THE COMPANY SITES AND MATERIALS YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THE TERMS HEREIN, YOU AGREE THAT YOU WILL NOT ACCESS OR USE THE COMPANY SITES AND MATERIALS, AND YOU UNDERSTAND THAT YOU ARE PROHIBITED FROM ACCESSING ANY WEBSITES OR MATERIALS PROVIDED BY THE COMPANY.

1. GENERAL

You are solely responsible for your use of the Company Sites and Materials. You agree that you will not use the Company Sites and Materials unless you can form a binding contract with the Company. Please read these Terms of Service (“Terms”) carefully before accessing or using any websites or materials provided by Ryan Donovan Granger (the “Company” or “We” or “Us”), or its owners, subsidiaries, affiliates, and joint business ventures, and all their respective officers, directors, employees, agents, and representatives (collectively, “Company Affiliates”). Without limitation, such Websites include Ryan Donovan Granger, and products, services, subscriptions, content and features available on or provided through those websites (such sites and materials collectively, “Company Sites and Materials”).

The Company may revise these Terms by updating this posting or communicating with you regarding the same via the contact information the Company has on record for you. Your continued use of Company Sites and Materials after such revisions have been posted or communicated to you indicates your acceptance of all such revisions.

The Company Sites and Materials are not intended for or directed towards children under 18 years of age. By accessing or using the Company Sites and Materials, you affirm that you are over the age of 18.

2. GENERAL DISCLAIMER

The Company is not an investment, financial, tax, or legal advisor or a broker-dealer and does not purport to provide personalized investment, financial, tax, or legal advice in any form. The Company does not recommend the purchase of particular securities nor does the Company promise or guarantee any particular investment results. You understand and acknowledge that there is a very high degree of risk involved in trading securities and, in particular, in trading futures and options, and in trading penny stocks. You acknowledge and agree that you, and not the Company, are solely responsible for your own investment research and decisions. Do not trade with money that you cannot afford to lose. You understand that the Company encourages you to seek the advice of a qualified securities professional and/or tax or legal advisor, as necessary, before making any investment, and to investigate and fully understand any and all risks before investing. The Company assumes no responsibility or liability for your trading and investment results and you agree to hold the Company harmless for any such results or losses.

Past results of any individual trader or trading system published by the Company are not indicative of future returns by that trader or system, and are not indicative of future returns which may be realized by you. In addition, the methods, techniques, information, content, indicators, strategies, columns, articles and all other features of the Company Sites and Materials, or any Company product or service, (collectively, the “Information”) are provided for informational and educational purposes only and should not be construed as investment advice. Accordingly, you should not rely on the Information in making any investment. Rather, you should always perform additional independent research in order to allow you to form your own opinion regarding investments. You are solely responsible for your own trading decisions, and nothing in the Information is intended to be or should be interpreted as a promise or guarantee of any particular result. You should always check with your licensed financial, investment, legal, or tax advisor to determine the suitability of any investment.

3. INTELLECTUAL PROPERTY, HYPERLINKS & LINKS TO OTHER WEBSITES

The Company Sites and Materials and related content, including without limitation the User Submissions (as defined below), third-party applications, and any other content on the Company Sites and Materials and the copyrights, trademarks, service marks and other intellectual property rights in such content are the property of Company and/or its third-party licensors or providers unless otherwise specifically stated. You may access and use such content solely for your own personal and non-commercial use. The Company or its third-party licensors, as applicable, reserve all rights not expressly granted in and to such content. Your modification or use of such content other than modification or use expressly permitted hereunder is a violation of our intellectual property rights and can subject you to legal liability.

The Company Sites and Materials may contain links to third-party websites. The fact that we provide such links is not an endorsement of that third-party or any services or products that they may offer, or a representation of our affiliation with that third-party. We do not exercise control over third-party websites. These other websites may follow different rules regarding the use or disclosure of the personally identifiable information you submit to them and you should read the privacy policies or statements of the other websites you visit.

4. USER SUBMISSIONS AND OTHER CONTENT

The Company Sites and Materials may permit the submission of content by users, including, for example, comments, articles, links, and conversations in our chat rooms (“User Submissions”). By posting any such User Submissions, you grant the Company an irrevocable, worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display and distribute such User Submission in any and all media or distribution methods (now known or later developed). The Company has the right, in its sole discretion and without further notice to you, to monitor, censor, edit, move, and/or remove any and all content posted on the Company Sites and Materials, including any User Submission, at any time and for any reason.

We do not represent or guarantee the completeness, truthfulness, accuracy, usefulness or reliability of any content or User Submission and do not necessarily endorse any opinions expressed therein. You understand that by using the Company Site and Materials, you may be exposed to content that might be offensive, harmful, inaccurate or otherwise inappropriate. We may not monitor or control the content or User Submissions accessible on the Company Sites and Materials.

In connection with your use of the Company Sites and Materials and your own User Submissions, you agree to follow our Code of Conduct as the same may be published or linked to on the Company Sites and Materials. We may periodically update the Code of Conduct.

5. TRANSPARENCY AND RESULTS CLAIMS

To promote transparency, we may require users to verify their securities trades through various methods that we designate. If you fail to provide such verification, we may do any or all of the following: (1) disable any account that you have established through the Company Sites and Materials; (2) remove any content you post, including content regarding your trades. Despite the Company’s commitment to transparency, however, the Company does not guarantee the accuracy of and shall not be liable in any way in connection with any trade information submitted by users.

In addition, the Company Sites and Materials may at times refer to a commitment by Ryan Donovan Granger or other authorized representatives of the Company to share their investment results, including but not limited to trading results or investment strategies. Such references should not be construed or interpreted to require the disclosure of investments and strategies that are personal in nature, that are part of estate or tax planning, or that are immaterial to the scope and nature of the Company’s educational philosophy.

6. SUBSCRIPTION AND PAYMENT

In connection with any purchase of services or materials from the Company, the Company does not make any promise regarding the continuation of any current features or functionality or delivery of any future functionality or features.

If you purchase a subscription to any Company service or material, by authorizing the Company to charge a payment card for the fees associated with your subscription(s), you are authorizing the Company to automatically continue charging that card (or any replacement card issued by the card issuer) for all fees or charges associated with your subscription, including any renewal fees as described below. The Company may at any time change any of its pricing, or institute new charges or fees. Price changes and new charges announced during your subscription term for a service will apply to subsequent subscription terms. During the term of your subscription, you agree to inform the Company of any payment card information changes.

Your subscriptions will be set to automatically renew upon expiration. This means that unless you cancel your subscription prior to its expiration, your account will automatically renew for the same term.

If you cancel or terminate a subscription, you acknowledge and agree that any refunds will be in the Company’s sole discretion. Your obligations hereunder, including your obligation to pay amounts owed to us under these Terms for use of or access to our services or materials, including subscriptions, shall survive expiration or termination of these Terms and your cessation of use of the Company Sites and Materials.

You are responsible for the payment of any taxes associated with the purchase of services or materials from the Company.

7. SECURITY

No measures designed to protect, secure, or preserve the integrity or confidentiality of information, including methods of transmission over the Internet or method of electronic storage, can guarantee the security of your information. The Company makes no assurances regarding the security of your information.

8. DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE CONTENT, PRODUCTS, TOOLS, AND SERVICES INCLUDED OR OBTAINED VIA OR AS PART OF THE COMPANY SITES OR MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE AND NON-INFRINGEMENT, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES RELATING TO THE ADEQUACY, ACCURACY, RELIABILITY, USEFULNESS OR COMPLETENESS OF ANY OF THE INFORMATION CONTAINED ON OR IN THE COMPANY SITES AND MATERIALS.

9. LIMITATION OF LIABILITY

NEITHER THE COMPANY NOR THE COMPANY AFFILIATES NOR ANY OF THEIR SUPPLIERS, ADVERTISERS, OR SPONSORS ARE OR WILL BE LIABLE FOR ANY ACTUAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES WHETHER UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING IN ANY WAY TO ANY OF THE COMPANY SITES AND MATERIALS, OR ANY OF THE CONTENT CONTAINED THEREIN, OR ANY PRODUCT OR SERVICE USED OR PURCHASED THROUGH THE COMPANY INCLUDING, BUT NOT LIMITED TO, LOST REVENUE OR INCOME, LOSS OF CAPITAL, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE LIABILITY OF THE COMPANY FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL NOT EXCEED THE GREATER OF $100 OR THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR MATERIALS OR SERVICES (INCLUDING SUBSCRIPTIONS), DURING THE PREVIOUS SIX (6) MONTHS PRIOR TO BRINGING THE CLAIM.

10. INDEMNIFICATION

As a condition of your use of the any of the Company Sites and Materials, you agree to indemnify and hold the Company and the Company Affiliates harmless for any losses, claims, judgments, costs, damages, and expenses (including attorneys’ fees) caused by or resulting from (a) your violation of these Terms; (b) your use or reliance upon any of the Company Sites and Materials; (c) your violation of the rights of any third party, (d) any claim that one of your User Submissions caused damage to a third-party, or (e) any claim or demand by a third-party arising out of your use of any third-party website. This obligation to indemnify and hold harmless will survive the expiration or termination of these Terms and your cessation of use of the Company Sites and Materials.

11. TERM AND TERMINATION

Except as otherwise specified herein, these Terms commence on your first use of any of the Company Sites and Materials and continue until you cease to use the Company Sites and Materials or your subscription, if any, expires or has been terminated, whichever is later.

The Company may terminate your access to and use of the Company Sites and Materials at any time. Cause for such termination shall include, but not be limited to (i) breaches or violations of these Terms or other agreements or guidelines, (ii) requests by law enforcement or other government or regulatory authorities or (iii) violation or unauthorized use of copyrights or other intellectual property. Cancellation or termination of your account, services or subscriptions by the Company shall not relieve you of any obligation to pay any accrued fees or charges. You may not access or use the Company Sites and Materials after termination or notification of the same.

12. MISCELLANEOUS

The laws of the State of Illinois, without reference to conflicts of law rules, govern the Terms and any dispute of any sort that might arise between you and us. Except as otherwise provided herein, you agree that any controversy or claim, whether at law or equity, arising out of or related to the provision of services or materials by Company, regardless of the date of accrual of such dispute, shall be resolved in its entirety by individual (not class-wide nor collective) binding arbitration.

You and We agree that our sole relationship is a contractual one governed by these Terms and the Code of Conduct. Any controversy or claim arising out of or related to the provision of services or materials by Us shall be resolved solely based on these Terms.

ALL DISPUTES WITH Ryan Donovan Granger ARISING IN ANY WAY FROM OR IN ANY WAY RELATED TO THIS AGREEMENT SHALL BE RESOLVED EXCLUSIVELY THROUGH FINAL AND BINDING ARBITRATION, AND NOT BY A COURT OR JURY.

ANY SUCH DISPUTE SHALL NOT BE COMBINED OR CONSOLIDATED WITH A DISPUTE INVOLVING ANY OTHER PERSON’S OR ENTITY’S PRODUCT OR CLAIM, AND SPECIFICALLY, WITHOUT LIMITATION OF THE FOREGOING, SHALL NOT UNDER ANY CIRCUMSTANCES PROCEED AS PART OF A CLASS ACTION. THE ARBITRATION SHALL BE CONDUCTED BEFORE A SINGLE ARBITRATOR, WHOSE AWARD MAY NOT EXCEED, IN FORM OR AMOUNT, THE RELIEF ALLOWED BY THE APPLICABLE LAW.

The arbitration shall be conducted according to the American Arbitration Association (AAA) Commercial Arbitration Rules applicable to consumer disputes. The AAA Rules are available online at adr.org or by calling the AAA at 1-800-778-7879. This arbitration provision is entered pursuant to the Federal Arbitration Act. The laws of the State of Florida, without reference to its choice of laws principles, shall govern the interpretation of the License and all disputes that are subject to this arbitration provision. The arbitrator shall decide all issues of interpretation and application of this arbitration provision. For any arbitration in which your total damage claims, exclusive of attorney fees and expert witness fees, are $5,000 or less (“Small Claim”), the arbitrator may, if you prevail, award your reasonable attorney fees, expert witness fees and costs as part of any award, but may not grant Ryan Donovan Granger its attorney fees, expert witness fees or costs unless it is determined that the claim was brought in bad faith. In a Small Claim case, you shall be required to pay no more than half of the total administrative, facility and arbitrator fees, and Ryan Donovan Granger shall pay the remainder of such fees. Administrative, facility and arbitrator fees for arbitrations in which your total damage claims, exclusive of attorney fees and expert witness fees, exceed $5,000 (“Large Claim”) shall be determined according to AAA rules. In a Large Claim case, the arbitrator may grant to the prevailing party, or apportion among the parties, reasonable attorney fees, expert witness fees and costs. Judgment may be entered on the arbitrator’s award in any court of competent jurisdiction.

This arbitration provision also applies to claims against Ryan Donovan Granger’s employees, representatives and affiliates if any such claim arises from the Product’s sale, condition or performance.

You may opt out of this dispute resolution procedure by providing notice to Ryan Donovan Granger no later than 30 calendar days from the date of the first consumer purchaser’s purchase of the Product. To opt out, you must send notice by e-mail to Ryan Donovan Granger, with the subject line: “Arbitration Opt Out.” You must include in the opt out e-mail (a) your name, address and email address used in connection with the Service and (b) the date on which you began using the Service.

Advice of Counsel. EACH PARTY ACKNOWLEDGES THAT, IN EXECUTING THIS AGREEMENT, SUCH PARTY HAS HAD THE OPPORTUNITY TO SEEK THE ADVICE OF INDEPENDENT LEGAL COUNSEL, AND HAS READ AND UNDERSTOOD ALL OF THE TERMS AND PROVISIONS OF THIS AGREEMENT. THIS AGREEMENT SHALL NOT BE CONSTRUED AGAINST ANY PARTY BY REASON OF THE DRAFTING OR PREPARATION HEREOF.

These Terms and the Code of Conduct referenced herein constitute the entire agreement between you and the Company relating to your use of the Company Sites and Materials and supersedes any and all prior or contemporaneous written or oral agreements on that subject between us. If any provision of the Terms is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the Terms and shall not affect the validity and enforceability of any remaining provisions.