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Terms of Service & Privacy Policy — Last Updated 4/22/2014

By visiting, using or viewing this site, or any components, including but not limited to video, whether hosted on this site or appearing on other partner and/or related or affiliate sites, you agree to the following Terms Of Service:

Email. All of emails are sent only to those who have specifically agreed to our opt-in policy. By registering with TheOnlineInvestor.com and entering your email address, you agree to receive our company's newsletters including advertisements for various paid subscriptions, and free email reports. You agree to receive information about our various products and services, or other products and services that we believe may interest you. Some of our emails include advertising, clearly marked as such. By registering to receive our email, you also agree to receive email announcements and special offers from our advertisers, affiliates and partners. We collect IP addresses and we use cookies which contain bits of information that websites transfer to your computer's hard drive for record-keeping purposes. We may give your browser a cookie. In the event you elect to receive a special offer from an advertiser we will provide your information so that the advertiser can deliver the offer. In the event you do not want an advertiser to have your personal information, then do not sign up for that advertiser's offer.

If you do not want to receive such offers and mailings, you will be offered an opt-out option by simply clicking the "unsubscribe" link found in our email messages. If you no longer wish to receive our free weekly newsletter, your unsubscribe requests will be honored within 7 days.

Web site. This web site, its components and the services therein (collectively the "The Site") may be updated at any time without prior notice.

These Terms of Service may be altered at any time without notice to the user(s). Changes to the Terms of Service will be made applicable one (1) day after changes are made. It is the user's responsibility to check back to the Terms of Service to keep informed about changes in policy.

The Site is provided on an as-is basis; BNK Invest, Inc. ("BNK") accepts no liability for the loss of any information or for the failure or partial failure of any component, feature, video or service to operate properly.

BNK reserves the right to remove any content, component, feature, video or service at any time and to terminate any user account and/or refuse service to any user determined by BNK to have violated this agreement or any applicable law.

You, as the user takes responsibility for purchasing, or acquiring and utilizing any necessary equipment and services used in visiting this site, including paying for all associated costs. The Site is for use at your own and solely your own risk. The Site is provided on an "as is" and "as available" basis. BNK expressly disclaims all warranties of any kind, whether implied or express, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. BNK makes no warranty that (a) The Site will meet your requirements, (b) The Site will be uninterrupted, timely, secure, or error-free, (c) The Site will be accurate or reliable, (d) the quality of any information, services, or anything otherwised obtained, downloaded, viewed, or used by you through The Site will meet your expectations, and (e) any errors or bugs in The site will be corrected.

BNK and its officers, directors, employees, affiliates, suppliers, advertisers, and agents disclaim all express, implied or statutory warranties of title, non-infringement, merchantability and fitness for a particular purpose with regards to any information or service provided. All users, visitors, and viewers agree that under no circumstances will BNK Invest, Inc,. its subsidiaries, partners, officers, employees, affiliates, or agents be held liable for any loss or damage caused by your reliance on information obtained. The sole and exclusive maximum liability of BNK for any damages or losses shall be the amount paid to BNK directly by the user, if any, for access to the The Site.

Your business with, purchasing of products from, or participation in promotions of, advertisers found on or through The Site, and any terms, conditions, warranties or representations associated with such business, are solely between you and the advertiser. Furthermore, you agree that BNK shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such business or as the result of the existence of such advertisers and/or advertisements on The Site.

You agree to comply with all local laws regarding online conduct and, to the extent applicable, laws relating to the transmission of securities-related data.

All content posted on The Site by a third party is the responsibility of that third party and is not of BNK. BNK is the distributor of this third party content and assumes no responsibility for content nor makes any claim as to the accuracy or validity of the third party content, including but not limited to video, or services made available within The Site. BNK may provide services, content, data and other information from third party providers, or affiliates and/or links to third party content, whose terms of service may regulate the use of the content.

Employees, officers, family, associates, corporations, companies and entities related to BNK and its publishers may have positions or business interests in securities, ETFs, options, derivatives or commodities mentioned, referred to, or covered.

Any ideas and opinions presented on The Site are for informational and educational purposes only, and do not reflect the opinions of BNK Invest, Inc. or any of its affiliates, subsidiaries or partners.

In no way should any content contained herein be interpreted to represent trading or investment advice. None of the information contained herein constitutes a recommendation that any particular security, portfolio, transaction, or investment strategy is suitable for any specific person. BNK Invest, Inc. is not registered as an investment adviser or broker-dealer with the United States Securities and Exchange Commission or any state regulating agency. Rather, BNK Invest relies upon the "publisher's exclusion" from the definition of investment adviser as set forth in Section 202(a)(11) of the Investment Advisers Act of 1940, as amended, and corresponding state securities laws. As such, BNK Invest does not offer or provide personalized investment advice. Any investment decisions must in all cases be made by the reader or by his or her investment adviser. Do NOT ever purchase any security without doing sufficient research. There is no guarantee that the investment objectives outlined will actually come to pass. All opinions expressed herein are subject to change without notice. Neither the editor, employees, nor any of their affiliates shall have any liability for any loss sustained by anyone who has relied on the information provided.

The analysis provided is based on both technical and fundamental research and is provided “as is” without warranty of any kind, either expressed or implied. Although the information contained is derived from sources which are believed to be reliable, they cannot be guaranteed.

When content from this site, including but not limited to video, appears on the site of a third party partner, affiliate or any other third party site these Terms of Service will control with respect to such content.

Proprietary ranking formulas, including ranks by yield, by average broker recommendation (Zacks ABR data powered by Xignite), by percentage of shares short (short interest data from ShortSqueeze.com), etc., do not rank all ETFs, nor all underlying holdings of ETFs, and may not be based on complete, timely, or accurate data. Yield calculations vary and may not be reliable nor comparable; yield may be expressed as SEC 30-day yield, annualized yield based on most recent distribution, trailing twelve month yield, or reported yield. Rankings are for informational purposes only and do not constitute investment advice.

The term "YieldBoost" used throughout the website is a non-standard financial figure invented by Stock Options Channel, used to represent the hypothetical return generated by the option premium, in the case of puts as a percentage of the strike price assuming the put option were to expire worthless, and in the case of calls as a percentage of the current stock price, assuming the call option were to expire worthless. The YieldBoost values may be displayed grayed out for in-the-money options reflecting the fact that the option may be likely to be exercised being that it is in-the-money.

"Current Odds" shown are based entirely on technical analysis of the underlying stock, its price history and implied volatility, its current quote data, its current options chain data and associated greeks and implied greeks including delta, gamma, vega, and rho. No fundamental business-level data for the company itself is considered. In other words this value shown is purely based upon observable market data past and present, which is never a guarantee of future price movement and is therefore merely a research tool investors can utilize in combination with other forms of analysis.

Market data is inherently error prone, and none of the information presented should be considered to be free of errors or relied upon for any investing decisions. None of the information contained herein constitutes a recommendation that any particular security, portfolio, transaction, or investment strategy is suitable for any specific person.

DIGITAL MILLENNIUM

As per the Digital Millennium Copyright Act of 1998, BNK Invest, Inc. will reply to claims of copyright infringement committed. If you own a copyright, report your notice of infringement by emailing BNK Invest Inc. at info@bnkinvest.com.

Include the details below:

A) an electronic signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest

B) description of the copyrighted work or other intellectual property that you claim has been infringed

C) a description and link of where the material that you claim is infringing is located on the site

D) your address, telephone number, fax number and email address

E) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law

F) a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.

BNK Invest, Inc. forbids copying, distribution, modification, public display, or any other use of copyrighted works that causes an infringement of the copyright holder's rights. As a condition to your use of the theonlineinvestor.com site, you agree that you will not use the website to infringe the intellectual property rights of others.

From time to time, reference may be made in our marketing materials to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or recommendation, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

When U.S. exchanges are open, stock quotes shown on the Site are delayed by at least 15 minutes. When U.S. exchanges are not open, quotes are only current as of the close of the last day of trading. Before selling or buying any stock or other investment, you should consult with a qualified broker or other financial professional to verify pricing information.

You may not republish, upload, post, transmit or distribute content from the Site to online bulletin boards, message boards, newsgroups, chat rooms, or in other any manner, without our prior written permission. Modification of the content or use of the content for any purpose other than your own personal, noncommercial use is a violation of our copyright and other proprietary rights, and can subject you to legal liability.

U.S. Government Required Disclaimer — Commodity Futures Trading Commission.

Futures and options trading has large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the futures and options markets. Don't trade with money you can't afford to lose. No representation is being made that any account will or is likely to achieve profits or losses similar to those discussed on this website. The past performance of any trading system or methodology is not necessarily indicative of future results.

CFTC RULE 4.41 — HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN

Options involve risk. Prior to buying or selling an option, an investor must receive a copy of Characteristics and Risks of Standardized Options. Investors need a broker to trade options, and must meet suitability requirements.

Conduct

In connection with your use of the Site, you agree not to:

* Restrict or inhibit any other visitor from using the Site, including, without limitation, by means of "hacking" or defacing any portion of the Site; * Use the Site for any unlawful purpose; * Express or imply that any statements you make are endorsed by us, without our prior written consent; * Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Site; * "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 download, retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of the Site or its contents; * Harvest or collect information about visitors to the Site without their express consent.

You also agree to comply with all applicable laws, rules and regulations in connection with your use of the Site and the content made available therein.

Links to Other Web Sites

Your use of certain services on the Site may be governed by additional rules, which are available on the Site or by hyperlink from other sites, in connection with the service. By using any service you are acknowledging that you have reviewed all corresponding rules and agree to be bound by them. Some of the services may have been provided by third parties for your use. In the event that any service or tool is provided by a third party, such service or tool may become unavailable in the event that the agreement between us and the third party is terminated. You expressly acknowledge and agree that your use of all services and tools is solely at your risk. The Site may contain links to other Internet web sites or resources. We neither control nor endorse such other web sites, nor have we reviewed or approved any content that appears on such other web sites. 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 websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content.

A possibility exists that the Site could include inaccuracies or errors, or materials that violate this terms of use agreement. Additionally, a possibility exists that unauthorized alterations could be made to the Site by third parties. Although we attempt to ensure the integrity of our web sites and other products and services, we make no guarantees as to the completeness or correctness of any content on the Site.

Indemnification

You agree to indemnify, defend and hold us, our officers, directors, employees, agents and representatives harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys' fees), or other expenses that arise directly or indirectly out of or from (a) your violation of our privacy policy and disclaimer; (b) your use of the Site and receipt of our emails; or (c) your violation of the rights of any third party.

Any use of The Site is done at your own risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the use of any such material.

No advice or information, whether oral or written, obtained by you from BNK or from The Site shall create or imply any warranty not expressly stated in these Terms Of Service.

It is possible that certain visitors may experience epileptic seizures when exposed to certain light patterns or backgrounds on a computer screen or while using The Site. Certain conditions may induce previously undetected epileptic symptoms even in users who have no history of prior seizures or epilepsy. If you, or anyone in your family, have an epileptic condition, consult your physician prior to using the service. Immediately discontinue use of the service and consult your physician if you experience any of the following symptoms while using the service: dizziness, altered vision, eye or muscle twitches, loss of awareness, disorientation, any involuntary movement, or convulsions.

You expressly understand and agree that BNK shall not be liable to you for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, use, good will, information or other intangible losses (even if BNK has been advised of the possibility of such damages), resulting from: (a) the use or the inability to use The Site; (b) unauthorized access to your data; or (c) statements or conduct of any third party on The Site. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO TERMINATE USE OF THE SITE. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO BNK INVEST, BOTH COMPANY'S OFFICERS, AND EMPLOYEES FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL BE THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR ACCESS TO THE SITE.

Taxes

If you are a New York State resident, we must charge sales tax. You agree to pay all applicable taxes.

BNK may alter or discontinue all, any or portions of The Site immediately, in its sole discretion, at any time without cause. BNK may terminate access to any user and use of The Site, immediately, in its sole discretion, at any time without cause. These Terms Of Service comprise the entire agreement between you and BNK and shall govern your use of The Site.

Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of The Site or these Terms of Service must be filed within one year after such claim or cause of action arose or be forever barred.

Privacy Policy

We collect IP addresses for site security and to help us understand how people use the site. We use cookies which contain bits of information that websites transfer to your computer's hard drive for record-keeping purposes. We may give your browser a cookie.

In addition to cookies, we may use web beacons which allow us to count users who have visited specific pages or access certain cookies. We may use web beacons to count and recognize users, conduct research on behalf of some partners on their websites, and for auditing purposes. In addition, we may use this method to aggregate information about users, including demographic and usage information. Our advertising networks that serve ads on our site may also use web beacons in their advertisements. Any image viewed as part of a web site including an ad banner, can act as a beacon.

We use IP addresses for working on technology problems, maintaining security, displaying advertising or content to particular users, analyzing the ways in which people use the site and how we can improve it, and for reporting to advertisers about aggregate information from IP addresses.

We use cookies to gauge our audience size and patterns. We use cookies to target content and ads based upon user interests. Our advertising networks may place or use a unique cookie on your browser.

We may use third-party networks to serve advertisements on the site and in our emails. These third-parties may use cookies, and/or similar technologies. BNK does not control or access these cookies. Use of their tracking technology is subject to their own privacy policies.

Disclosure of personal information: In the event you sign up for a special offer from an advertiser we will provide your individual contact information so that the advertiser can deliver the offer. In the event you do not want an advertiser to have your personal information, then do not sign up for that advertiser's offer.

If you provide us with a physical address we may provide that information to advertisers so that they can send you mail about their own products and services.

We may disclose your personal information as required by applicable law, or in response to legal process to defend the rights or property of BNK.

The ads appearing on this Web site are delivered to you third parties. Information about your visits to the site, such as the number of times you have viewed an ad is used to serve ads to you.

Use of the site is not intended for children under the age of 18. We are in compliance with the Children's Online Privacy Protection Act and will not knowingly collect or use personally identifiable information from anyone under 18.

Jurisdiction

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU HEREBY EXPRESSLY AGREE THAT ANY PROCEEDING ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE, SERVICES AND CONTENT SHALL BE INSTITUTED IN A STATE OR FEDERAL COURT SITTING IN THE COUNTY OF NASSAU, STATE OF NEW YORK, UNITED STATES OF AMERICA AND YOU EXPRESSLY WAIVE ANY OBJECTION THAT YOU MAY HAVE NOW OR HEREAFTER TO THE LAYING OF THE VENUE OR TO THE JURISDICTION OF ANY SUCH PROCEEDING.

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Nothing in The Online Investor is intended to be investment advice, nor does it represent the opinion of, counsel from, or recommendations by BNK Invest Inc. or any of its affiliates, subsidiaries or partners. None of the information contained herein constitutes a recommendation that any particular security, portfolio, transaction, or investment strategy is suitable for any specific person. All viewers agree that under no circumstances will BNK Invest, Inc,. its subsidiaries, partners, officers, employees, affiliates, or agents be held liable for any loss or damage caused by your reliance on information obtained. By visiting, using or viewing this site, you agree to the following Full Disclaimer & Terms of Service. Video widget and stock market videos powered by Market News Video. Quote data delayed at least 20 minutes, powered by Ticker Technologies, and Mergent. Contact The Online Investor; Meet Our Editorial Staff.