Terms & Conditions of Use

(Privacy Policy can be found below, after the Terms & Conditions section.)

Welcome to ZenInvestor.org, a product and service of Conley Investment Group, Inc. Conley Investment Group, Inc. offers ZenInvestor.org for use in accordance with these Terms and Conditions of Use (“Terms of Use” and or “Agreement”). PLEASE READ THIS DOCUMENT CAREFULLY.

By agreeing to these terms, you’re taking responsibility for your own actions. If you do not agree with these Terms of Use, your use of and access to this site is unauthorized. ZenInvestor.org reserves the right to terminate your access to this service without notice if we learn that you have violated these Terms of Use.

Definitions

ZenInvestor.org shall mean all areas and any financially related subscription or other financially related paid or complimentary products and services offered or available through the World Wide Web by Conley Investment Group, Inc. Community Areas shall mean all blogs and other user participatory areas on the ZenInvestor.org web site.

Modification of These Terms and Conditions

ZenInvestor.org shall have the right at any time to impose, change, or modify the Terms and Conditions of Use of this web site, or any part thereof, at its sole discretion. Such changes, modifications, additions, or deletions shall be effective immediately upon posting on the web site. User agrees to review the terms and conditions periodically and be aware or such revisions. Your continued use of this site shall conclusively be deemed to constitute your acceptance of the modified Terms of Use.

Privacy Policy

Our policy with respect to the collection and use of personal information is set forth in our Privacy Policy.

Copyright

The content available through ZenInvestor.org is the property of ZenInvestor.org and is protected by copyright and other intellectual property laws. Content includes without limitation, text, graphics, images, animations, computer programs, data, designs, logos, button icons, stories, tools, calculators, and the arrangement, collection and assembly of the same. You acknowledge that ZenInvestor.org permits access to content that is protected by copyrights, trademarks, service marks, and other intellectual property rights and that these rights are valid and protected in all media and technologies existing now or later developed. Except as explicitly provided elsewhere in this agreement, the Terms of Use and applicable copyright, trademark and other laws govern your use of this content.

Content received through ZenInvestor.org may be displayed, reformatted, and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast, or circulate the content received through ZenInvestor.org to anyone, including but not limited to others in the same organization or company, without the express prior written consent of ZenInvestor.org, with this one exception: You may, on an occasional and irregular basis, disseminate an insubstantial portion of the content from ZenInvestor.org, for a noncommercial purpose, without charge, and transmitted in non-electronic form, to a limited number of individuals, provided you include all copyright and other proprietary rights notices with such portion of the content in the same form in which the notices appear in ZenInvestor.org and original source attribution link to ZenInvestor.org or the exact URL of the source page.

You may not post to ZenInvestor.org, copy, reproduce, retransmit, distribute, publish, commercially exploit or otherwise transfer any material subject to any rights owned by persons or entities other than yourself. The burden of determining that any information, software, images or any other content on ZenInvestor.org is not protected by rights rests with you. You acknowledge that ZenInvestor.org may acquire the rights to use any posted materials as described in “Submissions and Postings”, and that you will not acquire any of those rights by downloading such materials.

You may not post any content from ZenInvestor.org to newsgroups, mail lists, blogs, or electronic bulletin boards, without the prior written consent of ZenInvestor.org. ZenInvestor.org includes facts, views, opinions and recommendations about subjects, individuals and organizations deemed of interest. ZenInvestor.org does not guarantee the accuracy, completeness or timeliness of these views, opinions or recommendations, give tax or investment advice, or advocate the purchase or sale of any security or investment.

Trademarks

“ZenInvestor NFP”,“ZenInvestor.org”, “Conley Investment Group, Inc.”, and “Mastering the Tradecraft of Investing” are trademarks of Conley Investment Group, Inc. No license is granted with respect to any of these trademarks in any manner or for any purpose.

Links

ZenInvestor.org may contain links to other web sites or resources located worldwide throughout the Internet. We neither control nor endorse such other web sites, nor have we reviewed or approved any content or communications that appears on such other web sites. We make no guarantees as to their accuracy, currency, content or quality. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or inappropriate nature of any content, advertising, products, services or information located on or through any other web sites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content without limitation.

Code of Conduct

While using ZenInvestor.org you agree to comply with all applicable laws, rules and regulations. In addition, you specifically agree not to:

• Use the site for any unlawful purpose.
• Transmit any content or information that is unlawful, fraudulent, abusive, libelous, defamatory, obscene, or otherwise objectionable, or infringes on our or any third party’s intellectual property or other rights.
• Transmit any content or non-public information about companies without the authorization to do so or any trade secret of any third party.
• Transmit any content or information such as advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication except as otherwise specifically 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 the site.
• Harvest or collect information about site visitors or members without their express consent.
• Restrict or inhibit any other visitor or member from using the site, including, without limitation, by means of “hacking” or “cracking” or defacing any portion of the site.
• Remove any copyright, trademark, or other proprietary rights notices contained in the sites.
• Frame or mirror any part of the site without our prior written authorization
• 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 the site or its contents.
• Express or imply that any statements you make are endorsed by us, without our prior written consent.

You alone are responsible for the content and the consequences of your communications. ZenInvestor.org reserves the right to terminate your site usage privileges immediately and without notice if it becomes aware and determines, in its sole discretion, that you are violating any of the Terms and Conditions of Use.

ZenInvestor.org reserves the right, but in no way shall we be obligated or required, to delete any inappropriate, objectionable, or offensive material from our site. We intend to fully cooperate with any law enforcement officials and/or agencies in the investigation of any person or persons who violate these Terms of Use or any law.

Submissions and Postings

Because ZenInvestor.org may host message boards, comments, forums, and receive electronic communications on the site and therefore redistribute material that is submitted or posted by you, we must obtain certain rights over those materials. By sending or transmitting to us creative suggestions, ideas, notes, concepts, information, or other materials (collectively, “Materials”), or by posting such Materials to any area of the site, you grant us and our designees a worldwide, non-exclusive, sub-licensable, assignable, royalty free, perpetual, irrevocable right to use, reproduce, distribute, 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 message boards, comments, or other forums 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.

You also warrant that the holder of any Rights in such content has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You acknowledge that transmissions to, from and/or through this site are not confidential, and your communications may be read, changed, or interrupted by others. You acknowledge that by using or accessing this site no confidential, fiduciary, contractually implied or other relationship is created between you and ZenInvestor.org.

Third Party Products and/or Services

ZenInvestor.org may include icons, buttons, or text in its site or through its newsletters and various promotions which, when activated, will allow you to access and learn more about other services and products throughout the worldwide web. When you access any of these services, your rights and obligations will be governed by the agreements and policies relating to the use of these services.

All matters concerning orders between you and any third party vendor, including but not limited to purchase terms, payment terms, warranties, guarantees, maintenance and delivery, are solely between you and the third party vendor. ZenInvestor.org does not endorse, warrant, or guarantee any product or service offered through this web site or any related communications such as email or newsletter and will not be a party to or monitor any transaction between you and third party providers of products or services.

You should always exercise appropriate caution and perform due diligence when transacting with any vendor, as you alone are responsible for your decision to transact with any third party vendor of services or products. You will not consider ZenInvestor.org, nor will ZenInvestor.org be construed as a party to such transactions, whether or not ZenInvestor.org may have received some form of revenue or other remuneration in connection with the transaction. ZenInvestor.org will not liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to any transaction with a third party vendor.

Financial Advice

ZenInvestor.org exists for educational purposes only, and ZenInvestor.org is not an investment advisory service, nor an investment advisor, nor does ZenInvestor.org provide personalized financial advice or act as a financial advisor. Investors should always check with their licensed financial advisor, legal counsel, and/or tax advisor to determine the suitability of any investment or financial plan.

The materials presented on ZenInvestor.org are for general informational purposes only. No information on any part of the site is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security, or fund. The information on the site should not be relied upon for purposes of transacting securities or other investments. We cannot and do not assess or guarantee the suitability or profitability of any particular investment, or the potential value of any investment or information source. Your use of this site indicates your agreement that you are able to make your own decisions about financial matters and that you bear sole responsibility for your own investment research and decisions and will not hold ZenInvestor.org liable for any damages relating to your personal finances or investments.

All investors are encouraged to fully investigate any security and consult with their financial professional before making any investment. Examine all advice regardless of its source critically. The Securities and Exchange Commission (the “SEC”) maintains a web site with reports, proxy, and information statements, and other information regarding certain companies that file with the SEC. In addition, the SEC also provides information on various kinds of cyber-fraud. The address of this Web site is http://www.sec.gov/. Similarly, the National Association of Securities Dealers provides their own insights regarding online investing and information at http://www.nasdr.com/.

You understand and agree that ZenInvestor.org does not offer or provide tax, legal or investment advice to individuals. Always consult your personal financial advisor and/or legal counsel before acting on any information from any source. All material found on ZenInvestor.org is for educational and informational purposes only. Sample allocations, portfolios and strategies provided are designed to educate and inform, and should not be viewed as direct recommendations. You understand and agree that any investment decisions you make will be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance, financial condition and liquidity needs. YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN ACTIONS.

No opinions or recommendations contained herein shall be construed as investment advice. You cannot assume that any recommendations, insights, philosophies, or other information will ensure or lead to profitable investment.

ZENINVESTOR.ORG IS HERE SOLELY TO EDUCATE, AND YOU ARE SOLELY RESPONSIBLE FOR ALL YOUR DECISIONS AND ACTIONS IN RESPONSE TO ANY INFORMATION CONTAINED HEREIN. ALWAYS SEEK COMPETENT LEGAL AND FINANCIAL COUNSEL BEFORE MAKING ANY FINANCIAL DECISION. ZENINVESTOR.ORG IS NOT A REGISTERED FINANCIAL ADVISOR.

ZenInvestor.org Contributors

Anyone can contribute to the communications in the message boards, comments, chat, groups and instant messaging including but not limited to anonymous persons, employees, contractors, or volunteers working on behalf of ZenInvestor.org. These communications may be about investing, financial planning, and stocks or any related topic. Everyone is free to contribute as they see fit subject to the rules contained within this Agreement. ZenInvestor.org does not regulate what anyone says. Any person regardless of their origin could post messages or make statements that are inaccurate, deceptive, misleading or outright false. Their opinions are entirely their own, and may differ substantially from the opinions of ZenInvestor.org management.

You should not rely upon the information or opinions you read here or anywhere else. Rather, you should use this information as a starting point for doing your own independent research. Always independently judge for yourself the merits of material that is found on this web site regardless of its source. You should not assume that anyone posting information on this site has any special expertise or insight merely because they are employed by, contract for, or volunteer for, ZenInvestor.org.

ZenInvestor.org does not guarantee the veracity, reliability, or completeness of any information provided anywhere on this site, email promotions, newsletter, or in any hyperlink appearing on our site and we will not be responsible for any loss or damage caused by a user’s reliance on information contained therein. You are responsible for your own investment and financial decisions.

Disclaimers

ZENINVESTOR.ORG, THE MATERIALS ON THIS SITE, AND ANY PRODUCT OR SERVICE OBTAINED OR ACCESSED THROUGH THIS SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, ZENINVESTOR.ORG AND ITS AFFILIATES, SUPPLIERS, ADVERTISERS, AND AGENTS 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.

ZENINVESTOR.ORG AND ITS AFFILIATES, SUPPLIERS, AGENTS AND SPONSORS DO NOT WARRANT THAT YOUR USE OF THIS SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER(S) ON WHICH THE SITE IS HOSTED ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE, OR STATEMENT OF ZENINVESTOR.ORG OR ITS AFFILIATES, SUPPLIERS, AGENTS, MEMBERS, OR VISITORS, WHETHER MADE ON THE SITE OR OTHERWISE, SHALL CREATE ANY WARRANTY.

ZENINVESTOR.ORG MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF IT’S SERVICES, REGARDING THE ACCURACY, COMPLETENESS, USEFULNESS, CURRENCY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH ZENINVESTOR.ORG’S SERVICES, REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH ZENINVESTOR.ORG’S SERVICES, REGARDING ANY TRANSACTIONS ENTERED INTO THROUGH ZENINVESTOR.ORG’S SERVICES OR THAT ZENINVESTOR.ORG’S SERVICES WILL MEET ANY USER’S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

YOUR USE OF THE SITE AND ANY MATERIALS PROVIDED THROUGH THE SITE ARE ENTIRELY AT YOUR OWN RISK.

Limitation of Liability

ZENINVESTOR.ORG WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, COMPENSATORY, EXEMPLARY, RELIANCE OR PUNITIVE DAMAGES, REGARDLESS OF THE FORM OF ACTION OR THE BASIS OF THE CLAIM, RESULTING FROM THE USE OF OR ACCESS TO ZENINVESTOR.ORG’S SERVICES, THE USE OF OR THE INABILITY TO USE ZENINVESTOR.ORG’S SERVICES, RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH ZENINVESTOR.ORG’S SERVICES, RESULTING FROM LOSS OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF A USER’S TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, BUSINESS, PROFITS, DATA OR OTHER INTANGIBLES, EVEN IF ZENINVESTOR.ORG HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR CONTENT CONTAINED WITHIN THE SITE IS TO STOP USING THE SITE. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO ZENINVESTOR.ORG 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, TO ACCESS THE SITE.

Indemnification

You agree to indemnify, defend and hold harmless ZenInvestor.org, its affiliates, officers, directors, employees, consultants and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from your use of our services, your violation of the Terms of Use or your infringement, or infringement by any other user, of your account, of any intellectual property or other right of any person or entity. The Terms of Use will inure to the benefit of ZenInvestor.org’s successors, assigns and licensees.

Applicable Law

The terms and conditions appearing on this page and elsewhere on this site will be governed by and construed in accordance with the laws of the State of Illinois, without giving effect to its conflict of laws provisions or your actual state or country of residence. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms of Use or otherwise related to ZenInvestor.org’s services or your use thereof shall be an appropriate state or Federal court located in the State of Illinois, and your use of and access to this site acts as an express consent to the jurisdiction of such appropriate court and you waive any jurisdictional, venue, or inconvenient forum objections to such courts. Use of and access to this site is unauthorized in any jurisdiction that does not give full effect to this paragraph is prohibited.

Miscellaneous

If any provision in this Agreement is found for any reason in a court of competent jurisdiction to be unenforceable or invalid, then that provision shall be deemed severable from this agreement and the remaining provisions of the Terms of Use will continue in full force and effect.

This agreement is not assignable, transferable or sub-licensable by you except with our prior written consent. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

The section headings used herein are for convenience only and in no way defines or explains any section or provision contained in this Agreement.

These Terms of Use constitute the entire agreement between the parties with respect to the subject matter hereof and supersede and replace all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by ZenInvestor.org.

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this policy in order for you to understand how we collect, use, communicate and make use of personal information. The following outlines our privacy policy.

When accessing the https://zeninvestor.org website, Zen Investor will learn certain information about you during your visit.

Similar to other commercial websites, our website utilizes a standard technology called ‘cookies’ (see explanation below) and server logs to collect information about how our site is used. Information gathered through cookies and server logs may include the date and time of visits, the pages viewed, time spent at our site, and the websites visited just before and just after our own, as well as your IP address.

Use of Cookies

A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a website, that site’s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites.

IP Addresses

IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as “traffic data” so that data (such as the Web pages you request) can be sent to you.

Email Information

If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received online, mail and telephone. This also applies when you register for our website, sign up through any of our forms using your email address or make a purchase on this site. For further information see the email policies below.

How Do We Use the Information That You Provide to Us?

Broadly speaking, we use personal information for purposes of administering our business activities, providing customer service and making available other items and services to our customers and prospective customers.

Zen Investor will not obtain personally-identifying information about you when you visit our site, unless you choose to provide such information to us, nor will such information be sold or otherwise transferred to unaffiliated third parties without the approval of the user at the time of collection.

We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights.

Email Policies

We are committed to keeping your e-mail address confidential. We do not sell, rent, or lease our subscription lists to third parties, and we will not provide your personal information to any third party individual, government agency, or company at any time unless strictly compelled to do so by law.

We will use your e-mail address solely to provide timely information about Zen Investor.

We will maintain the information you send via e-mail in accordance with applicable federal law.

CAN-SPAM Compliance

In compliance with the CAN-SPAM Act, all e-mail sent from our organization will clearly state who the e-mail is from and provide clear information on how to contact the sender. In addition, all e-mail messages will also contain concise information on how to remove yourself from our mailing list so that you receive no further e-mail communication from us.

Choice/Opt-Out

Our site provides users the opportunity to opt-out of receiving communications from us and our partners by reading the unsubscribe instructions located at the bottom of any e-mail they receive from us at anytime.

Users who no longer wish to receive our newsletter or promotional materials may opt-out of receiving these communications by clicking on the unsubscribe link in the e-mail.

Use of External Links

https://zeninvestor.org may contain links to many other websites. Zen Investor cannot guarantee the accuracy of information found at any linked site. Links to or from external sites not owned or controlled by Zen Investor do not constitute an endorsement by Zen Investor or any of its employees of the sponsors of these sites or the products or information presented therein.

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

Intellectual Property Rights

All copyrights, trademarks, patents and other intellectual property rights in and on our website and all content and software located on the site shall remain the sole property of Zen Investor or its licensors. The use of our trademarks, content and intellectual property is forbidden without the express written consent from Zen Investor.

You must not:

• Republish material from our website without prior written consent.
• Sell or rent material from our website.
• Reproduce, duplicate, create derivative, copy or otherwise exploit material on our website for any purpose.
• Redistribute any content from our website, including onto another website.

Acceptable Use

You agree to use our website only for lawful purposes, and in a way that does not infringe the rights of, restrict or inhibit anyone else’s use and enjoyment of the website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content or disrupting the normal flow of dialogue within our website.

You must not use our website to send unsolicited commercial communications. You must not use the content on our website for any marketing related purpose without our express written consent.

Restricted Access

We may in the future need to restrict access to parts (or all) of our website and reserve full rights to do so. If, at any point, we provide you with a username and password for you to access restricted areas of our website, you must ensure that both your username and password are kept confidential.

Use of Testimonials

In accordance to with the FTC guidelines concerning the use of endorsements and testimonials in advertising, please be aware of the following:

Testimonials that appear on this site are actually received via text, audio or video submission. They are individual experiences, reflecting real life experiences of those who have used our products and/or services in some way. They are individual results and results do vary. We do not claim that they are typical results. The testimonials are not necessarily representative of all of those who will use our products and/or services.

The testimonials displayed in any form on this site (text, audio, video or other) are reproduced verbatim, except for correction of grammatical or typing errors. Some may have been shortened. In other words, not the whole message received by the testimonial writer is displayed when it seems too lengthy or not the whole statement seems relevant for the general public.

Zen Investor is not responsible for any of the opinions or comments posted on https://zeninvestor.org. Zen Investor is not a forum for testimonials, however provides testimonials as a means for customers to share their experiences with one another. To protect against abuse, all testimonials appear after they have been reviewed by management of Zen Investor. Zen Investor doe not share the opinions, views or commentary of any testimonials on https://zeninvestor.org – the opinions are strictly the views of the testimonial source.

The testimonials are never intended to make claims that our products and/or services can be used to diagnose, treat, cure, mitigate or prevent any disease. Any such claims, implicit or explicit, in any shape or form, have not been clinically tested or evaluated.

How Do We Protect Your Information and Secure Information Transmissions?

Email is not recognized as a secure medium of communication. For this reason, we request that you do not send private information to us by email. However, doing so is allowed, but at your own risk. Some of the information you may enter on our website may be transmitted securely via a secure medium known as Secure Sockets Layer, or SSL. Credit Card information and other sensitive information is never transmitted via email.

Zen Investor may use software programs to create summary statistics, which are used for such purposes as assessing the number of visitors to the different sections of our site, what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas.

For site security purposes and to ensure that this service remains available to all users, Zen Investor uses software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.

Disclaimer and Limitation of Liability

Zen Investor makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contain on this website or any sites linked to this site.

All the materials on this site are provided ‘as is’ without any express or implied warranty of any kind, including warranties of merchantability, noninfringement of intellectual property or fitness for any particular purpose. In no event shall Zen Investor or its agents or associates be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, loss of information, injury or death) arising out of the use of or inability to use the materials, even if Zen Investor has been advised of the possibility of such loss or damages.

Policy Changes

We reserve the right to amend this privacy policy at any time with or without notice. However, please be assured that if the privacy policy changes in the future, we will not use the personal information you have submitted to us under this privacy policy in a manner that is materially inconsistent with this privacy policy, without your prior consent.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

Contact

If you have any questions regarding this policy, or your dealings with our website, please email us at info@zeninvestor.org

ZenInvestor NFP

D/B/A ZenInvestor.org
Mundelein, Illinois