Terms of Service
No Outside Affiliations
Full Return Investing has no affiliations with companies or investment houses. As such, any educational individual listings are purely based upon one of our team member’s personal beliefs and research, not on any outside influence or possible bias. Our team is made of multiple individuals who love the art of investing and who love helping and teaching others even more. Full Return Investing does not employ licensed financial advisors and any information received from FULL RETURN CLUB is not intended to be financial, legal, or tax advice in any way. FULL RETURN CLUB is no way is expressing an opinion on the value of securities or the advisability of investing in, purchasing, or selling securities.
Education of Investor Public
Access to The Sites
FULL RETURN CLUB does not guarantee that access to The Sites will remain uninterrupted or error-free, and FULL RETURN CLUB shall not be liable for any feature not being accessible or for any unavailability of The Sites or Associated Services. FULL RETURN CLUB may also, in our sole discretion, at any time, discontinue providing, temporarily or permanently, any or all of The Sites or Associated Services, without notice.
FULL RETURN CLUB does not provide information or services to minors. Even with parental consent, FULL RETURN CLUB does not provide information or services to minors. If you are under the age of 18-years-old, do not use this site, The Sites, or any of the Associated Services. If you lie about your age and we find out, we will immediately suspend your account with no refunds.
No Individual Investment Advice
FULL RETURN CLUB does not provide individual or customized legal, tax, accounting, or investment services. Since each individual's situation is unique, a qualified professional should be consulted before making financial decisions.
Message Web Site Content Limitations
FULL RETURN CLUB makes no guarantees as to the accuracy, thoroughness, or quality of the information on The Sites or through the Associated Services, which is provided only on an “AS-IS” and “AS AVAILABLE” basis at each user’s sole risk. This information may be provided by third parties and FULL RETURN CLUB shall not be responsible or liable for any errors, omissions or inaccuracies in The Sites content. The information and investment, accounting, or legal strategies provided at this Site are neither comprehensive nor appropriate for every individual. Some of the information is relevant only in Canada or the U.S. and may not be relevant to or compliant with the laws, regulations or other legal requirements of other countries. It is your responsibility to determine whether, how and to what extent your intended use of the information and the Associated Services will be technically and legally possible in the areas of the world where you intend to use them. You are advised to verify any information before using it for any personal, financial, accounting, legal, or business purpose. In addition, the opinions and views expressed in any postings on The Sites are solely those of the individual investor and do not reflect the opinions of FULL RETURN CLUB or its management. The Sites’ content and services may be modified at any time by us, without advance notice or reason, and FULL RETURN CLUB shall have no obligation to notify you of any corrections or changes to any of The Sites’ content.
Any testimonials, opinions, advice, product or service offers, or other information or content made available on or through The Sites by third parties (“Third-Party Content”) are solely those of their respective providers and not of FULL RETURN CLUB which does not guarantee the accuracy, completeness, reliability, or usefulness of Third-Party Content. It is your responsibility to evaluate Third-Party Content and FULL RETURN CLUB shall not be liable for any damage or loss caused by your reliance on or other use of Third-Party Content.
PLEASE NOTE: FULL RETURN CLUB does not provide tax, accounting, legal, investment, or financial services. The information available through The Sites or Associated Services is provided solely for informational purposes on an “as is” basis at the user’s sole risk. The information is not meant to be and should not be construed as advice or used for investment, financial planning, legal, accounting, or tax purposes. FULL RETURN CLUB makes no guarantees as to the accurateness, quality, or completeness of the information and FULL RETURN CLUB shall not be responsible or liable for any errors, omissions, inaccuracies in the information or for any user’s reliance on the information. Each individual, also known as user, is solely responsible for verifying the information as being appropriate for the user’s personal use, including without limitation, seeking the advice of a qualified professional regarding any specific financial, legal, accounting, or tax questions a user may have. While FULL RETURN CLUB may edit posts or listings on The Sites, these edits do not endorse any particular financial, legal, accounting, or tax professionals, and is not responsible for any erroneous reliance by the user. FULL RETURN CLUB is not endorsed by or affiliated with any state/provincial/territorial bar association or other legal or accounting membership organization or association, tax authorities, or agencies or associations, or the Financial Industry Regulatory Authority (FINRA) in the U.S., the Investment Industry Regulatory Organization of Canada (IIROC) or any other financial regulatory authority, agency, or association.
You agree to indemnify and hold FULL RETURN CLUB harmless from and against any claims arising out of or related to your participation in The Sites or Associated Services, including those alleging that your participation in Associated Services violates any law or regulation or infringes or otherwise violates any intellectual property or other proprietary right of any person or entity.
Each service, including but not limited to, a subscription package (collectively the “Associated Services”) is offered for a certain price as listed on the relevant landing page. All fees are in U.S. dollars. To purchase the Associated Services, you must provide one or more Payment Methods. You represent and warrant that you are authorized to use any and all Payment Method(s) you use to purchase the Associated Services. You agree to pay for all FULL RETURN CLUB products and services that you purchase, and agree that we may charge your selected payment method through our third-party payment processor for any such payments. If your payment method fails, we may collect fees owed or use other collection methods. We may also suspend or terminate your access to the Associated Services. For some Payment Methods, the issuer may also charge you certain fees, such as foreign transaction fees or other fees relating to the processing of your Payment Method. Local tax charges may vary depending on the Payment Method used. Check with your provider for details. “Payment Method” means a current, valid, accepted method of payment as may be updated from time to time and which may include payment through your account with a third party).
Compliance with Laws
You agree to comply with all applicable laws in connection with your purchasing and/or viewing of any Associated Services. Further, access to our Associated Services from certain territories is prohibited. You agree that you will not violate any data export laws in connection with your purchase and/or viewing of the Associated Services if you reside outside the United States or in the state of California.
Included as part of the Associated Services, FULL RETURN CLUB may offer certain paid subscription services in certain regions. If you enroll in any FULL RETURN CLUB paid subscription service, your subscription will continue month-to-month until terminated. You agree that your account will be subject to this automatic renewal feature. If you do not wish your account to renew automatically or want to change or terminate your subscription, please go to fullreturnclub.com and submit the requested change or termination. To use the FULL RETURN CLUB subscription service you must have internet access and provide us with one or more Payment Methods.
Unless you cancel your subscription(s) before your monthly billing date, you authorize us to charge your next week’s/month’s/year’s subscription fee to your Payment Method. You also authorize FULL RETURN CLUB to charge you for any sales or similar taxes that may be imposed on your subscription payments. Such fees will be charged on the calendar day corresponding to the commencement of your subscription. In some cases, your payment date may change, for example, if your Payment Method has not successfully settled or if your paid subscription began on a day not contained in a given month. In order to see your next payment date, please contact us at fullreturnclub.com
Payment Methods and Subscriptions: In order to enroll in a FULL RETURN CLUB paid subscription service, you must provide one or more Payment Methods. We may update your Payment Method using information provided to us by our payment processors. Following an update, you authorize us to continue to charge the applicable Payment Method(s). You agree to promptly update all information to keep your Payment Methods current, complete, and accurate (such as change in billing address, card number, or expiration date), and you must promptly notify FULL RETURN CLUB if your Payment Method is canceled (or if you lose your credit card or it is stolen), or if you become aware of a potential breach of security (such as an unauthorized disclosure or use of your name or Account password). Changes may be made by going to FULLRETURNCLUB.com and submitting an updated payment method which will be received by our payment processor. You authorize us to charge any Payment Method associated with your account in case your primary Payment Method is declined or no longer available to us for payment of your subscription fee. You remain responsible for all unpaid amounts. If any payment it not successfully settled due to expiration, insufficient funds, or otherwise, and you do not cancel your account, we may terminate your access to the service until we have successfully charged a valid Payment Method. If you initiate a chargeback or otherwise reverse a payment made with your Payment Method, FULL RETURN CLUB may in its discretion terminate your account immediately. If FULL RETURN CLUB successfully disputes the reversal, and the reversed funds are returned, you are not entitled to a refund or to have your account or subscription reinstated.
Refunds and Cancellations
You can cancel your subscription at any time. To cancel, please go to FULLRETURNCLUB.com and submit the cancelation information. If you cancel your subscription, regardless if you are on a weekly, monthly, or annual subscription, you agree to let your account be billed up to the next billing cycle but not for more than 60 days. Upon cancelation, FULL RETURN CLUB will automatically close your account at the end of the last billing period. In the event you cancel your subscription, please note that we may still send you promotional communications about FULL RETURN CLUB products and services, unless you opt out of receiving those communications by following the unsubscribe instructions provided therein.
Price and Subscription Plan Changes: We may change the subscription plans available and / or the price of our service from time-to-time, provided that any price changes will apply to you no earlier than 30 days following notice to you. We may offer several different subscription plans, including special promotional plans and some plans may have different terms and conditions, which will be provided to you at sign-up or through other communications to you.
This TOU states that any disputes between you and FULL RETURN CLUB must be resolved in binding arbitration or small claims court and that you waive the right to participate in any class action. You may opt out of arbitration and the class action waiver by following the procedures in Section 12.G below.
In the interest of resolving disputes between you and FULL RETURN CLUB in the most expedient and cost-effective manner, you and FULL RETURN CLUB agree to resolve disputes through binding arbitration or small claims court instead of in courts of general jurisdiction (“Agreement to Arbitrate”). Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than in court, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Any arbitration under this TOU will take place on an individual basis; class arbitrations and class actions are not permitted. You acknowledge and agree that the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that individual party’s claim(s). Any relief awarded cannot affect other users.
YOU UNDERSTAND THAT BY ENTERING INTO THIS AGREEMENT, YOU AND FULL RETURN CLUB ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.
Claims To Be Resolved By Binding Arbitration
You and FULL RETURN CLUB agree to arbitrate all disputes and claims between us. This agreement to arbitrate is intended to be broadly interpreted. It includes, but is not limited to: claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory; claims that arose before this or any prior TOU; claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and claims that may arise after the termination of this TOU.
Notwithstanding the information above, you and FULL RETURN CLUB agree that no statement herein shall be deemed to waive, preclude, or otherwise limit either party’s right to (i) bring an individual action in small claims court; (ii) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available; (iii) seek injunctive relief in any competent court of law; or (iv) to file suit in a court of law to address intellectual property infringement claims.
Selection of the Arbitrator
Any arbitration between you and FULL RETURN CLUB will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by this TOU, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by contacting FULL RETURN CLUB .
Notice and Process
A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Fullreturnclub should be addressed to: fullreturnincesting.llc, 13482 Cherry Ct, Thornton, CO 80241 (“Notice Address”). The Notice must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). If you and FULL RETURN CLUB do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or FULL RETURN CLUB may commence an arbitration proceeding.
If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a non-appearance based telephonic hearing, or by an in-person hearing as established by the AAA Rules. Any in-person arbitration hearings will take place at a location to be agreed upon in Broomfield County, Colorado. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.
Limitations to Arbitration
You and FULL RETURN CLUB both agree that if an arbitration is filed, the claim will be limited to three (3) witnesses for each party and a total of 200 pages for each party.
No Class Actions
Unless both you and FULL RETURN CLUB agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.
YOU AND FULL RETURN CLUB AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
If you are a new FULL RETURN CLUB user, you can choose to reject the arbitration agreement contained in this Section (“opt-out”) by mailing us a written opt-out notice (“Opt-Out Notice”). The Opt-Out Notice must be postmarked no later than thirty (30) days after the date you accept this TOU for the first time. You must mail the Opt-Out Notice to the Notice Address listed in this Section, above.
The Opt-Out Notice must contain your name, address (including street address, city, state and zip code), and the username(s) and email address(es) associated with the FULL RETURN CLUB account(s) to which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of the Agreement to Arbitrate, all other parts of this TOU will continue to apply to you. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with FULL RETURN CLUB .
If FULL RETURN CLUB makes any future change to this Agreement to Arbitrate (other than a change to the Notice Address), you may reject any such change by sending us written notice within 30 days of the change to the Notice Address provided above. You acknowledge and agree that, in the event you reject any future change, your account with FULL RETURN CLUB shall be immediately terminated and you will arbitrate any dispute between us in accordance with the language of this provision.
Severability and Enforceability
In the event that any part of this TOU is held to be invalid or unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remaining parts will remain in full force and effect.
This TOU constitutes the entire and exclusive understanding and agreement between you and FULL RETURN CLUB regarding your use of and access to the Associated Services, and except as expressly permitted above may only be amended by a written agreement signed by authorized representatives of the parties.
The failure to require performance of any provision shall not affect our right to require performance at any time thereafter, nor shall a waiver of any breach or default of this TOU constitute a waiver of any subsequent breach or default or a waiver of the provision itself.
Use of paragraph headers in this TOU is for convenience only and shall not have any impact on the interpretation of particular provisions.
Notice to California Residents
Under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210 in order to resolve a complaint regarding the service