Terms and conditions
Last updated: 23 February, 2021
These terms and conditions are an agreement between DrRichardSmith.com and you. They set forth the general terms and conditions of your use of the DrRichardSmith.com website and any of its products or services.
Links to other websites
Although DrRichardSmith.com may link to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their websites. We do not assume any responsibility or liability for the actions, products, services, and content of any third parties. You should carefully review the legal statements and other conditions of use of any website you access through a link from DrRichardSmith.com. Linking to any other website is at your own risk.
Changes and amendments
We reserve the right to modify these terms and conditions or policies relating to DrRichardSmith.com at any time, effective upon posting the updated version. When we do, we will revise the updated date at the top of this page. Continued use of DrRichardSmith.com after modifications will constitute your consent to these revised terms and conditions.
Acceptance of these terms
You acknowledge that you have read these terms and conditions and agree to them. By using the DrRichardSmith.com and the services offered on DrRichardSmith.com you are agreeing to these terms and conditions. If you do not agree to these terms and conditions, you are not authorized to use or access DrRichardSmith.com or services offered on DrRichardSmith.com.
If you would like to contact us to understand more about this terms and conditions or wish to contact us concerning any matter relating to it, you may send an email to firstname.lastname@example.org
No investment advice
The content provided on DrRichardSmith.com is for informational purposes only. It is not legal, tax, investment, financial, or other advice. Nothing on DrRichardSmith.com is a solicitation, recommendation, endorsement, or offer by Dr. Richard Smith to buy or sell securities or other financial instruments in any jurisdiction where such solicitations or offers would be unlawful.
All Content on this site is information of a general nature and not specific to the circumstances of any particular individual or entity. Nothing on DrRichardSmith.com constitutes professional and/or financial advice, nor does any information on DrRichardSmith.com constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. Dr. Richard Smith is not a fiduciary by virtue of any person’s use of or access to DrRichardSmith.com or its content. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or content on DrRichardSmith.com before making decisions based on such information or content. In exchange for using DrRichardSmith.com, you agree not to hold Dr. Richard Smith, his affiliates or any third party service provider liable for any possible claim for damages arising from any decision you make based on information or Content made available to you through DrRichardSmith.com.
There are risks associated with investing in securities. Investing in stocks, bonds, exchange traded funds, mutual funds, and money market funds involves risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains and losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods. A security’s or a firm’s past investment performance is not a guarantee or predictor of future investment performance.
Last updated: 23 February, 2021
Interpretation and Definitions
When the first letter of a word is capitalized within a sentence it is defined as follows. These definitions apply whether it is singular or plural.
You means the individual accessing or using DrRichardSmith.com, or a company or other legal entity acting on behalf of the individual accessing or using DrRichardSmith.com.
Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Dr. Richard M. Smith.
Affiliate means an entity that controls, is controlled by or is under common control with a party. “Control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Account means a unique account created for You to access DrRichardSmith.com or services offered on DrRichardSmith.com.
Website refers to DrRichardSmith.com.
Service refers to the Website.
Country refers to: Florida, United States
Service Provider means any natural or legal person who processes the data on behalf of Dr. Richard Smith. It refers to third-party companies or individuals employed by Dr. Richard Smith to facilitate Services, to provide Services on behalf of Dr. Richard Smith, to perform services related to his Services or to assist Dr. Richard Smith in analyzing how his Services are used.
Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use Dr. Richard Smith’s Services.
Personal Data is any information that relates to an identified or identifiable individual.
Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Device means any device that can access DrRichardSmith.com Services, such as a computer, a cellphone or a digital tablet.
Usage Data refers to data collected automatically, either generated by the use of DrRichardSmith.com or from the Service infrastructure itself (for example, the duration of a page visit).
Collecting and Using Your Personal Data
Types of Data Collected
While using DrRichardSmith.com, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
- Email address
- First name and last name
- Usage Data
Usage Data is collected automatically when using DrRichardSmith.com.
Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of DrRichardSmith.com that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access DrRichardSmith.com by or through a mobile device, We may collect certain information automatically, like the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data, and more.
We may also collect information that Your browser sends whenever You visit DrRichardSmith.com or when You access DrRichardSmith.com by or through a mobile device.
Tracking Technologies and Cookies
You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of DrRichardSmith.com.
Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close your web browser. Learn more about cookies here: Cookies: What Do They Do?
We use both session and persistent Cookies for the purposes set out below:
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy.
Use of Your Personal Data
DrRichardSmith.com may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
We may share your personal information in the following situations:
With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
For Business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of our business to another company.
With Business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see You name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.
Retention of Your Personal Data
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company’s operating offices and in other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Disclosure of Your Personal Data
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Other legal requirements
We may disclose Your Personal Data in the good faith belief that such action is necessary to:
- Comply with a legal obligation
- Protect and defend the rights or property of the Company
- Prevent or investigate possible wrongdoing in connection with the Service
- Protect the personal safety of Users of the Service or the public
- Protect against legal liability
Security of Your Personal Data
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We will take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.
Links to Other Websites
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.