Terms & Conditions
The website located at richretirementletter.com and all subpages (the “Website”) are operated by St. Paul Research, LLC. (“Rich Retirement Letter,” “we,” “us,” etc.). These terms and conditions apply to your visit to and use of the Website and the purchase or use of any products from us, whether physical or digital (“Products”).
The advice we provide is published generally, is not personal to you and does not take account of your personal circumstances. We do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability or appetite for risk.
If you need guidance on interpreting our advice in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional. You should also interpret our advice in light of the risk warnings that are contained within it.
Your order will be processed in 3-5 business days from the date it was placed.
If your order is on backorder, you will be notified. The order will be processed once the item is back in stock.
The transaction will be reflected on your card statement as “PSV* [Name of Subscription]” or “[Name of Subscription]”.
Shipping fees and options, where applicable, are clearly disclosed on your order form at the time of purchase.
For Auto Renewal Subscriptions Only
If you enrolled in a subscription then we will charge your card at the frequency and price disclosed to you on the checkout page on which you provided your credit or debit card information.
Confirmation Of Your Order
If you order one of our own Services, within two working days of your order you will be sent an email which confirms receipt of your order. It will not contain the payment details provided by you.
In the event the payment method you provided fails, a customer services representative will contact you by telephone (if you have supplied your number) or by email or letter, to check the details you have supplied, and re-try the authorization process. Again, if we contact you by email or letter, our correspondence will not contain any payment details.
Ending A Subscription
We are entitled to terminate your paid or unpaid subscriptions and access to our Websites at any time without notice. Provided you have not breached these terms and conditions, if we terminate a paid subscription of a fixed term we will refund the unused portion of your subscription fee.
If you wish to cancel your subscription, you may email customer service a firstname.lastname@example.org or call (844) 370-6637 between 9 am and 5 pm ET.
The refund and credit policy applicable to your purchase can be found on your order form and in your confirmation email. Prorated refunds are available unless otherwise stated.
Refunds are processed within 14 days of receipt of your request to cancel your subscription.
Reliance On Content
Content in our publications is for general information only and is not intended to be relied upon by users in making (or not making) specific investment decisions. We try to ensure that the content of our Services is up to date and accurate, but we do not guarantee the accuracy of the information. We urge customers to perform their own due diligence.
We do everything in our power to ensure that our websites are fully operational and available to you at all times. However, in order to make sure they are up to date and offering you the best service, access may sometimes be interrupted or restricted to allow for maintenance or the introduction of new facilities and services.
Copyright And Trademarks
Copyright in all information, text and images featured in the Services, is owned by or licensed to Rich Retirement Letter (“Our Content”). Provided that you acknowledge us as the source of the information, you are entitled to save or download one copy of any of Our Content for the purposes of reference, but you are not entitled to make any further copies of the work.
All property rights remain with Rich Retirement Letter. Other than as provided in these terms and conditions, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, or use for any public or commercial purpose any of Our Content without our prior written permission.
Dispute Resolution By Mandatory Arbitration And Class Action Waiver
Any dispute relating in any way to your visit to or use of the Website, the Products (including the purchase or use of any Products or any other purchases made on or through the Website), or otherwise related to this Agreement or your relationship with Rich Retirement Letter (“Disputes”), shall be resolved exclusively through confidential arbitration, rather than in court, and shall be governed exclusively by the laws of the State of Maryland, without regard to principles of conflict of laws. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement. Any question as to the validity of this arbitration agreement shall be submitted to confidential arbitration and decided by an arbitrator.
If a Dispute arises, you agree to first contact us at 410-783-8408 or email@example.com. Before formally submitting a Dispute to arbitration, you and we may choose to informally resolve the Dispute. If any Dispute cannot be resolved informally, you agree that any and all Disputes, including the validity of this arbitration clause and class action waiver, shall be submitted to final and binding arbitration before a single arbitrator of the American Arbitration Association (“AAA”) in a location convenient to you or telephonically. Either you or we may commence the arbitration process by submitting a written demand for arbitration with the AAA, and providing a copy to the other party. We will pay the filing costs. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures, Supplementary Procedures for Consumer-Related Disputes, in effect at the time of submission of the demand for arbitration. The AAA’s rules are available at www.adr.org. A form for initiating arbitration proceedings is available on the AAA's site at https://www.adr.org. To the fullest extent permitted by applicable law, no arbitration of a Dispute may be joined to an arbitration involving any other party subject to this Agreement, whether through a class action, private attorney general proceeding, class arbitration proceedings or otherwise. You expressly agree to refrain from bringing or joining any claims in any representative or class-wide capacity, including but not limited to bringing or joining any claims in any class action or any class-wide arbitration.
Notwithstanding the foregoing, the following shall not be subject to arbitration and may be adjudicated only in the state and federal courts of Maryland: (i) any dispute, controversy, or claim relating to or contesting the validity of our or one of our family company’s intellectual property rights and proprietary rights, including without limitation, patents, trademarks, service marks, copyrights, or trade secrets; (ii) an action by us for temporary or preliminary injunctive relief, whether prohibitive or mandatory, or other provisional relief; (iii) any legal action by us against a non-consumer; and (iv) interactions with governmental and regulatory authorities.
The arbitrator’s award shall be binding and may be entered as a judgment in any court of competent jurisdiction. If an arbitrator or court decides that any part of this arbitration agreement is invalid or unenforceable, the other parts of this arbitration agreement shall still apply; however, if an arbitrator or court decides that the class action waiver is invalid or unenforceable, then the entirety of this arbitration agreement shall be null and void.
YOU UNDERSTAND THAT YOU WOULD HAVE HAD A RIGHT TO LITIGATE IN A COURT, TO HAVE A JUDGE OR JURY DECIDE YOUR CASE AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. HOWEVER, YOU UNDERSTAND AND AGREE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY AND ONLY THROUGH ARBITRATION. You shall have thirty (30) days from the earliest of the date that you visit the Website or the date you purchase a Product or submit information to or through the Website to opt out of this arbitration agreement, by contacting us by email at firstname.lastname@example.org. If you do not opt out by the earliest of the date that you visit the Website, or the date that you purchase a Product or submit information to us through the Website, then you are not eligible to opt out of this arbitration agreement.
Notice To California Consumers
Under California Civil Code Section 1789.3, users of the Website from California are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210. Rich Retirement Letter may be contacted in writing at Rich Retirement Letter, 1119 St. Paul Street, Baltimore, MD 21202, or by telephone at (844) 370-6637.
Disclaimer Of Warranties
WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND THAT EXTEND BEYOND THE EXPRESS DESCRIPTION ON THE FACE OF THE WEBSITE AND THE PRODUCTS. WITHOUT LIMITING THE FOREGOING, Rich Retirement Letter. MAKES NO IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE WEBSITE OR THE PRODUCTS. Rich Retirement Letter. DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, COMPLETE, ACCURATE, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THE WEBSITE WILL BE CORRECTED. THE WEBSITE AND THE PRODUCTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. You expressly understand and agree that the Products on the Website are not approved by the FOOD AND DRUG ADMINISTRATION, and you waive the right to bring any private action alleging violations of the Food, Drug, and Cosmetic Act, or any state law equivalent, arising from your purchase of PRODUCTS on the Website.
Limitation Of Liability
To the extent permissible by applicable law, in no event will you be entitled to recover from Rich Retirement Letter any indirect, consequential, incidental, punitive, exemplary, or special damages arising out of (i) the use or inability to use the Website, (ii) any transaction conducted through or facilitated by the Website, (iii) the purchase of any Products on the Website, (iv) any claim attributable to errors, omissions, or other inaccuracies in the Website, (v) unauthorized access to or alteration of your transmissions or data, or (vi) any other matter relating to the Website or the Products. SOME STATES, INCLUDING NEW JERSEY, DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, AND SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY IN THOSE STATES.
By using the Website or sending electronic mail to us, you agree and consent to receive communications from us electronically, including by email or by posting notices on this Website. You acknowledge that your electronic submission constitutes your agreement and intent to be bound by the terms of this Agreement. Pursuant to any applicable statutes, regulations, rules, ordinances or other laws, including without limitation the United States Electronic Signatures in Global and National Commerce Act, P.L. 106-229 (the “E-Sign Act”) or other similar statutes, YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS AND OTHER RECORDS AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE WEBSITE OR PRODUCTS OFFERED BY Rich Retirement Letter. Further, you hereby waive any rights or requirements under any statutes, regulations, rules, ordinances or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by other than electronic means.
If any provision of this Agreement is deemed invalid, unlawful, void, or unenforceable by an arbitrator or (if proper) a court of competent jurisdiction, then that provision will be deemed severable from this Agreement, and the remaining provisions shall not be affected thereby and shall continue in full force and effect. Except as expressly set forth in this Agreement, no failure or delay by you or Rich Retirement Letter to exercise any rights, powers, or remedies under this Agreement will operate as a waiver of that or any other right, power, or remedy. We will not be liable or responsible to you, nor be deemed to have defaulted or breached this Agreement, for any failure or delay in our performance under this Agreement when and to the extent such failure or delay is caused by or results from acts or circumstances beyond our reasonable control.
Breach Of These Terms And Conditions
We have the right, but not the obligation, to monitor any activity and content associated with the Services. We may investigate any reported violation of these terms and conditions and take any action that we deem appropriate. This may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access to and use of the Services.
This Agreement shall be governed by and construed in accordance with the laws of the State of Maryland, United States of America, without regard to choice or conflicts of law principles. Further, you agree to the jurisdiction of the courts of the United States District of Maryland to resolve any dispute, claim or controversy that relates or arises in connection with the Agreements.
At Rich Retirement Letter we appreciate the trust our readers put in us, and we are committed to earning your trust by:
We have strict corporate rules that forbid our editors from owning the stocks they recommend. All other members of our staff must wait 24 hours after any recommendation is published online or 72 hours after the mailing of a print-only publication to buy a security recommended in our pages. We also forbid any employee from accepting gifts or money from the companies we cover. And we do not accept any kind of advertising or fees from any company whose securities we have recommended.
Honoring our guarantees quickly and without question
We have a team of trained men and women who answer your calls. These folks are located right in our home office, in Baltimore. If you are ever not happy for any reason, call us.
Because we are publishers and not financial advisors, we do not provide personalized investment advice tailored to your personal situation. We make specific recommendations, but those should not be construed as personal investment advice. Also, please keep in mind that our Customer Service department is trained to only answer questions about your subscriptions. They cannot answer questions about our research or your investments.
Since our newsletters are public, some of the particular strategies or recommendations may not be appropriate for you.
Investing, of course, also involves risk
The amount of investment risk varies among the newsletters we publish. Some are conservative, some aggressive. Some of the investments you will see recommended in our pages will cause losses. Past results never guarantee future returns — and our work cannot be and is not guaranteed. You are responsible for your own investments. Caveat emptor applies, at all times, to the investment research we sell.
At Rich Retirement Letter, we are diligent in citing sources and checking facts. Still, we cannot guarantee that we won’t occasionally print information that is unintentionally inaccurate in some way. You should always double-check any important financial information, such as stock prices or balance sheet facts, before making final decisions. We do our absolute best to never make errors, but we are not responsible for any losses you may suffer as a result of errors.
Some of the strategies we endorse in our pages may not be legal where you live. Or they may have tax consequences that are unknown and unanticipated by our analysts. We urge all subscribers to consult with licensed brokers and asset managers for questions regarding investments.
In much of our work, we use “price limits,” which means buying a stock below a certain price, or selling it above a certain price. This information is frequently critical to our specific recommendations. Never rely on our advertisements for financial information. Always consult the most recent editions of our publications for the current status of any recommendation.
Many of our publications also contain “model” portfolios that attempt to approximate the results a subscriber may have obtained by following the strategies and the recommendations discussed in the publication. We do not make any claim that our subscribers will achieve results that are even approximate to these examples. The model portfolios serve only to track the hypothetical results of a newsletter recommendation at the time it is made, not an actual portfolio.
All of our publications are copyright protected.
We kindly ask that you not reproduce, distribute, transmit, disseminate, sell, publish, display, broadcast, circulate, photocopy, or forward any part of any of our publications, reports, emails or websites to anyone, including but not limited to: colleagues in your office; family members; or your professional representatives, such as your broker, without the express prior written consent of Rich Retirement Letter.
Software has been installed on our web servers, and will be in installed on your Internet browser when you login, that will let us know if you have shared your password with another user. Software also enables us to determine if you share our copyrighted materials via email, or if you make multiple copies of our newsletters. Any such digital proof that a subscriber has violated this user agreement will result in the immediate termination of their subscription, without a refund.
In other words, we take our copyright seriously. We will bring legal action to ensure our rights are respected by all subscribers, at all times, in all countries. The Copyright Act imposes a fine of up to $150,000 per issue for infringement — no exceptions.
We hope that you enjoy and benefit from our work, and look forward to doing business together for many years to come.