If after the 30-day trial period you have not canceled your subscription, your credit card will be automatically charged an ongoing monthly fee until this service is terminated by you or by the Informed Household. Please see Payments section below for additional information.
Please note that the Household Identifier (an email address) you provide is very important since we utilize Google App resources to deliver the Informed Household's dashboard and budgeting services to you. Hence if you already have a Gmail address, we strongly encourage you to use it over a non-Google email address for optimum results and ease of use with the Informed Household's services. If a non-Google (non-gmail) email address is your only option, then please make sure that email is registered with Google at: https://accounts.google.com/SignUpWithoutGmail?hl=en.
Thank you for your patronage and we look forward to your feedback.
Jim Koch, Founder & Principal925email@example.com
You acknowledge that this Agreement is supported by reasonable and valuable consideration, the receipt and adequacy of which is hereby acknowledged. Without limiting the foregoing, you acknowledge that such consideration includes, without limitation, your ability to visit, use and/or submit information to our Services (as defined below).
Services and Registration
This Site provides information about the Firm and those services that are provided from time to time through the Site (collectively, the “Services”).
In registering, you agree to provide, maintain, and update information that is true, accurate, current and complete when registering and on an ongoing basis. If, you do not provide such information, or we have reasonable grounds to suspect as much, we have the right to suspend or terminate your use of this Site. During the registration process, you will designate a Household Identifier (primary email address) and password. You are responsible for maintaining the confidentiality of your Household Identifier, password and account information, and are responsible for all activities that occur and financial liabilities incurred under your Household Identifier and password, whether or not authorized by you. We will not be liable for any loss or damage arising from your failure to comply with this paragraph.
Following your free 30-day trial of the Services, you will be assessed a monthly fee, based on your registration date, for continued use of the Services. Any payments owed must be made via a valid credit or debit card. By purchasing such Services and providing payment information, you represent that you are authorized to utilize the payment methodpresented. Furthermore, you agree and authorize our third-party vendor to: (i) submit a transaction using the card information provided, and (ii) in the case of automatic recurring transactions, submit a transaction on a monthly basis for ongoing renewals. We accept all major credit cards. At present, this includes Visa®, MasterCard®, American Express® and Discover®. As part of the order process, you will receive an electronic receipt to your Household Identifier email account of record. Should you terminate your relationship with the Firm before the next billing cycle, you will not receive a refund of fees. Rather, your Services will continue until the end of the current billing cycle in which notice of termination is received by the Firm, and cease at the end of the current billing cycle. Your credit card will not be assessed any additional fees following such termination notice.
Use of the Internet is solely at your own risk. The Firm has attempted to create a secure and reliable Site, however, it is important to be aware that the confidentiality or privacy of any communication of information transmitted to or from the Site and over the Internet cannot be guaranteed. In this regard, the user acknowledges and agrees that, to the extent the provision of Services through the Site is dependent on the use of the Internet, the provision of Services may be adversely affected by, among other risks, breaches in security, temporary loss of Services, delays in Services and/or inconsistent quality of Services, loss of data and/or business interruption, and uncertain legal, regulatory and tax issues concerning the use of the Internet, all of which risks are beyond the Firm’s control. In the event of the occurrence of any such risk, the Firm shall not be liable for any losses, damages, costs or expenses of any nature incurred by the user or any other person in connection therewith.
The Firm assumes no responsibility for the transmission, deletion or failure to store information submitted by you or other users to the Firm. Although certain portions of this Site may be restricted to only authorized persons, the Firm shall have no liability if unauthorized persons nevertheless obtain access.
Grant of License
The Firm makes no warranty, express or implied, concerning this Site. The Site content provided by the Firm and its respective licensors are on an “AS IS” basis at your sole risk. The Firm expressly disclaims any implied warranty of merchantability or fitness for a particular purpose, including any warranty for the use or the results of the use of the services with respect to their correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability. Neither the Firm nor any of its respective licensors shall have any responsibility to maintain the data and services made available on this Web site or to supply any corrections, updates, or releases in connection therewith. Availability of data and services are subject to change without notice. The Firm further assume no responsibility for, and makes no warranties that, functions contained on this Site will be uninterrupted or error-free, that defects will be corrected, the Site is secure from unauthorized persons intercepting or accessing information transmitted by you, or that this Site or the servers that make it available will be free of viruses or other harmful components.
Reservation of Rights
The Firm reserves the right, at its discretion, to change, modify, add, or remove portions of these Terms and Conditions at any time. Such changes, modifications, additions or removals shall be effective immediately upon posting. Your continued use of the Site following such changes will be conclusively deemed acceptance of any changes to these Terms and Conditions. At all times, you are bound by the then-current version of the Terms and Conditions and of all applicable laws.
Nothing on this Site shall be considered a solicitation to buy or an offer to sell a security or to provide any services to any person in any jurisdiction where such offer, solicitation, purchase, or sale or provision would be unlawful under the applicable laws of such jurisdiction. Koch Capital Management LLC ("Koch Capital"), the Firm's owning entity, provides customized investment recommendations only within the context of a separate contractual agreements with our investment management clients, and only after a comprehensive review of the client’s financial situation. The Firm, on the other hand, provides no investment advice, nor any tax strategy or insurance product recommendations. Any offer or solicitation to buy any security or portfolio managed by the Firm will be separately made by one of the Koch Capital’s financial advisers. For further information about the Firm's owner, please see Koch Capital website (www.kochcapital.com) and its current Form ADV Disclosure Brochure at https://adviserinfo.sec.gov/ which discusses Koch Capital’s business operations, services, and fees.
The Site is not intended for distribution to or use by any person in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. The Firm makes no representations or warranties that the content of this Site is applicable to or appropriate for use in locations outside of the United States of America.
No Tax or Legal Advice
Any tax benefits referred to on this Site are subject to change and their availability and value will depend on your individual circumstance. Certain of the statements contained herein may be statements of future expectations and other forward-looking statements that are based on the Firm's current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, the words “may, will, should, expects, plans, intends, anticipates, believes, estimates, predicts, potential, or continue” and similar expressions identify forward-looking statements. You also should consult with a professional financial, legal, and tax advisor to assist in due diligence to determine the appropriateness of such matters. Nothing contained on this Site constitutes investment, tax, legal or insurance advice and is not to be relied on making investment or other decision. In no event shall the Firm be responsible or liable for any damage or lost opportunities, or lost profits or revenues resulting from use of the Site.
Although the Firm has taken reasonable care to ensure that the information contained within this Site is accurate, no representation or warranty (including liability towards third parties), expressed or implied, is made as to its accuracy, reliability or completeness by the Firm. Opinions and any other contents of the Site are provided by the Firm for personal use and informational purposes only and are subject to change without notice. The fact that the Firm has made the Site available to you constitutes neither a recommendation that you enter into a particular transaction nor a representation that any service or strategy described on this Site is suitable or appropriate for you. The information is of a general nature and should not be applied indiscriminately to particular situations wherein it may not be completely applicable. Many of the services described on this Site involve significant risks, and you should not enter into any transactions unless you have fully understood all such risks and has independently determined that such transactions are appropriate for you. Any discussion of the risks contained herein with respect to any service should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned.
The Firm shall have no liability, contingent or otherwise, to you or to third parties, or any responsibility whatsoever, for the failure of any connection or communication service to provide or maintain your access to this service, or for any interruption or disruption of such access or any erroneous communication between the Firm and you, regardless of whether the connection or communication service is provided by the Firm or a third party service provider. The Firm and its owner, Koch Capital Management LLC, shall have no liability, contingent or otherwise, to you or to third parties, for the correctness, quality, accuracy, timeliness, reliability, performance, continued availability, completeness or delays, omissions, or interruptions in the delivery of the content available on this Site or for any other aspect of the performance of this service or for any failure or delay in the execution of any transactions through this service. In no event will the Firm and Koch Capital Management LLC be liable for any special, indirect, incidental, or consequential damages which may be incurred or experienced on account of you using the content available on this Site.
Any links on the Site to other websites are not intended as referrals or endorsements, but are merely provided to the users of the Firm’s website for convenience and informational purposes. The Firm does not endorse the content of such websites nor the products, services or other items offered through such websites.
Events Beyond Informed Household’s Control
You expressly absolve and release the Firm an all of its respective officers, members, employees, legal representatives, attorneys, agents, successors and assigns, from any claim of harm resulting from a cause beyond its control including, but not limited to, the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses or software failures, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, acts of domestic or foreign terrorism or governmental restrictions.
You represent and warrant to the Firm that you will not use this Site for any purpose that is unlawful or prohibited by these Terms and Conditions, including but not limited to attempting or actually (a) disrupting, impairing or otherwise interfering with the operation or integrity of the Site or circumventing any Site security system; (b) collecting any information about other users of the Site; or (c) systematically extracting content or other information or data contained in the Site to populate databases or other sites.
Privacy Policies and Restrictions on Use
The following policies apply only to this Site:
Aggregate Data and Cookies. The Firm generally records certain usage information, such as the number and frequency of visitors to this website. This data helps us determine how many visitors use parts of the site and to do internal research on our users’ demographics, interests and behavior to better understand and serve you. This information may include the websites that you access immediately before and after your visit to our website, the Internet browser you are using, and your IP address. If we use such data at all, it will be on an aggregate basis, and we will not voluntarily disclose to third parties any information that could be used to identify you personally.
Use of Website. Any person using this website is permitted to view, store, bookmark, download and print individual website pages for personal and non-commercial purposes only. These uses must not alter the original website content, including all legal notices and legends. Our prior permission is required for (i) any commercial use of materials on this website; (ii) making more than minimal copies of website materials; and (iii) copying large portions of our website, such as by bots, robots or spiders that “harvest” the website. If you seek permission for such use of our website, please contact us. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Intellectual Property Rights
The Firm’s names, graphics, logos, page headers, button icons, scripts, and service names are our servicemarks or trade dress in the United States and/or other countries (collectively, the “Proprietary Marks”). You may not use the Proprietary Marks without our prior written permission. We make no proprietary claim to any third-party names, trademarks or service marks appearing on our Site. Any third-party names, trademarks, and service marks are property of their respective owners.
When you visit our Site or send an email to us, you are communicating with us electronically. You consent to receive communications from us electronically. Although we may choose to communicate with you by regular mail, we may also choose to communicate with you by email or by posting notices on our Site. You agree that all agreements, notices, disclosures and other communications that we provide to electronically satisfy and legal requirement that such communications be in writing.