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We do not offer to buy or sell securities. We are a publisher, not an investment adviser. Refer to the complete Terms for further details and important disclaimers.

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Terms Of Subscription

Below is the fine print – everything we would want to know if we were in your shoes:

Joseph’s Portfolio & Commentary (the “Publication”) is a financial publication, not a service. The Publication is provided by Joseph & Co. Publications, LLC (“Joseph & Company” or “we” or “us”). Following are the special Terms and Conditions by which we provide you with the Publication (the "Terms").

  

By publishing one or more investment portfolios, we allow subscribers the option of tracking the published portfolio(s) in any manner they choose, if at all. INVESTING IS OPTIONAL. If you decide to base your investment choices on any part of the Publication, you alone are responsible for your investment choices.

   

The Publication supports long-term investors, not speculators. That does not mean every investment choice will turn out to be a winner. It is your obligation to be diligent, act responsibly and exercise good judgment, considering the inherent risks before investing. We do not take on a fiduciary duty to address any subscriber’s unique circumstances. Each subscriber has a responsibility to determine what amount, if any, is prudent to invest. 

   

How to Reach Us

   

We may be contacted by email (|joseph||"at"||josephinvest.com|) or regular mail (P.O. Box 385782, Bloomington, MN 55438). We are a small operation, and may not be able to respond to all inquiries.

   

Cancellation and Refund Policy

   

If at any time you wish to cancel, you may do so by letting us know in writing.  To help us process your request, please also provide your 1) full name, 2) email address, and 3) mailing address.

   

If you have time remaining on your subscription, we will issue a pro rata refund to you for the number of whole months remaining before your subscription was due to expire.  Pro rata refunds are sent to the mailing address we have for you on file, unless you provide a different address in writing.

   

We reserve the right to cancel your subscription and issue a refund in accordance with our refund policy.

   

Transaction Alerts

   

Transaction Alerts will be emailed to subscribers at least 24 hours before actual trades take place. 

   

No Personalized Investment Advice

   

We want to help investors make money through smart investment decisions. However, we are not in the business of rendering personalized investment advice. The information you receive is the same as all other subscribers receive. Consistent with this approach, it is our policy not to discuss portfolio holdings with individuals outside of the regularly published materials. YOU AGREE THAT YOU WILL NOT ASK US ABOUT SPECIFIC INVESTMENTS.

   

We are a publisher, not an investment advisor. We do not (and cannot) know your financial situation, risk tolerances, or investing objectives. Accordingly, decisions and actions communicated through the Publication do not constitute recommendations that particular securities, strategies or actions taken are suitable for you or any specific person for that matter.

   

Disclaimer of Warranties and Liabilities

   

Decisions and actions taken are based on techniques, information and sources believed to be reliable in the past but we cannot guarantee future results. We will not be liable for any investment decision you make, or action you take based upon reliance on any material published by us.

   

By accepting the Publication, you agree that Joseph & Company, its owners, its directors, its employees and its agents will not be liable for any decision made or action taken by you and others based upon reliance on any information provided as part of the Publication. Please remember that past results are not necessarily indicative of future performance.

   

ALL INFORMATION PROVIDED OR MADE AVAILABLE THROUGH THE PUBLICATION IS PROVIDED "AS IS." JOSEPH & COMPANY HEREBY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS, EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. WITH RESPECT TO ALL PUBLICATIONS, WEBSITES, SERVICES, CONTENT, TOOLS, OR PRODUCTS, YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF THE PUBLICATION AND THE ACCURACY AND COMPLETENESS OF THE CONTENT.

   

Some states do not allow exclusion of implied warranties or limitation of liability for incidental or consequential damages, so the above limitations or exclusions may not apply to you. In such states, Joseph & Company’s liability and that of third party content providers will be limited to the greatest extent permitted by law.

   

The Publication is Intended for U.S. Residents Only

   

The Publication is aimed at, and published for individuals residing in the United States. We make no representation that the materials provided, and actions communicated through the Publication are appropriate for users outside the United States or permitted under the laws of other jurisdictions. If you choose to access or use the Publication from a location other than the United States, you do so at your own initiative and risk, and you bear full responsibility for compliance with any applicable local laws.  

  

Other Matters

   

We do not offer to buy or sell securities.

   

We reserve the right to change these Terms at any time and for any reason.

   

If any provision in these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. This agreement is and always will be governed by the laws of the United States of America and the State of Iowa (except with respect to choice of law). You agree that the proper forum for any claim arising thereunder will be the U.S. Court for the Northern District of Iowa or the appropriate Iowa court.

   

If you see something that you think is unfair or a violation of your rights, or if you do not like any aspect of the Publication, you should bring your concerns to our immediate attention so that we can address the problem without delay.

   

Last updated: October 23, 2018