A BIT OF LEGALESE ...
ALT MONIE (“ALT MONIE” or “we,” or “us,” or “our") is a provider of informational research and various small business services. By accessing or using our website at www.altmonie.com, and/or any of our corporate sites, affiliate sites, and partner sites (the“Sites” or “Site”), you (“you”, “your” or the “User”) agree that you have read, understand and agree to these Terms of Service (these “Terms”) regardless of whether you have registered as a user.
REFUND & CANCELATION POLICY
Due to the proprietary nature of our intellectual property, content, advertising products and educational services all sales are final.
The only exception is if a product/service page clearly states a refund policy different from our standard policy.
For any of our and/or our affiliated products and services, we do not offer refunds or credits should you not complete, fully-utilize, or have time still remaining open during your subscriptions.
You do retain the option to cancel recurring subscriptions at any time before the next renewal date.
You can manage your account by signing in here.
There will be no refunds or credits for partial time of service, or refunds for time unused with an open user account, or missed or forgotten subscription changes during an open renewal time.
Alt Monie, Curio Haus, its Affiliates, and Partners makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contained on this website or any sites linked to or from this site.
All content and communication is intended for educational and informational use only. This is not intended as investment advice, nor as an offer or solicitation of an offer to sell or buy any security, nor as an endorsement, recommendation or sponsorship of any company, security or fund.
Information provided "as is" without warranty of any kind. Alt Monie, Curio Haus, its Affiliates and Partners, and employees are not liable for its usefulness, timeliness, accuracy or suitability, and we specifically disclaim all other warranties, expressed or implied, including but not limited to implied warranties or fitness for any particular purpose.
Investing, running a business, and trading are risky and costly. All can cause financial ruin and emotional devastation.
You are fully responsible for consulting with qualified and licensed financial/legal/tax professionals concerning your individual situation.
In addition, no representation or warranty, guarantees expressed or implied is made as to the effectiveness of its services, research and/or investment models or to its accuracy, completeness or correctness, and we assume no responsibility for typographical errors, inaccuracies or other errors which may occur.
The user assumes all risk, and neither Alt Monie, Curio Haus, its Affiliates and Partners, nor any of its employees shall have any liability for any loss sustained by anyone who has used the information contained in any of our associated publications and communications.
In no way does the content on this site constitute investing or financial advice. We are simply offering up ideas for the sake of discussion, research, and education. As always, everybody is expected to do their own due diligence and to ultimately be comfortable with their own decisions.
Any actions taken based on the views expressed on this site are solely the responsibility of the user. In no event and under no circumstances will Alt Monie, Curio Haus, its Affiliates and Partners or its owners, partners, and affiliates be liable for any decision made or action taken by you based upon the information and/or opinions provided on this site, it's services, products or via shared content.
You agree to indemnify and hold Alt Monie, Curio Haus, its subsidiaries and affiliates, and each of their directors, managers, officers, agents, contractors, partners and employees, harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable attorney’s fees, arising out of or in connection with your User Content, your use of the Service or the Sites, your conduct in connection with the Service or the Sites or with other Users of the Service or the Sites, or any violation of these Terms or of any law or the rights of any third party.
This may come as a shock, but we sell services and products on our site, in our content, courses, training, and emails.
Sometimes it's our own intellectual property. Sometimes it's the intellectual property others.
If we believe a product or service offers value, at our discretion we'll promote and leave the final decision to you.
We use affiliate links as a way to offset the expenses of all the time and resources we invest in our content and community.
When accessing the https://AltMonie.com website, and websites of our Affiliates and Partners certain information about you during your visit will be learned.
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.
The advice we provide is published generally, is not personal to you and does not take account of your personal circumstances. We do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability or appetite for risk.
If you need guidance on interpreting our advice in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional. You should also interpret our advice in light of the risk warnings that are contained within it.
We are under no obligation to monitor the information contained in or transmitted through the Sites.
You agree that we may monitor on the Sites (a) to comply with applicable laws, regulations or other government requests; and (b) for such other purposes as we deem appropriate.
We reserve the right to modify, reject or eliminate any information contained in or transmitted through the Sites that we believe is unacceptable or in violation of these Terms.
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 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.
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.
You expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes, at any telephone number, or physical or electronic address you provide or at which you may be reached. You agree we may contact you in any way, including SMS, text messages, telegram, whatsapp, and/or another messaging service we maybe using at the time. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or send one via text.
You are solely responsible for your interaction with other Users on the Sites. While we may monitor claims that involve you and other Users, we have no obligation to become involved. If you become involved in such a dispute, and our provision of the Services is not a substantial factor in creating such dispute, then you release us from claims, demands, and damages every kind and nature, known and unknown, arising out of or connected with such dispute.
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.
Alt Monie, Curio Haus, its Affiliates and Partners 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.
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 Alt Monie, Curio Haus, its Affiliates and Partners.
We will maintain the information you send via e-mail in accordance with applicable federal law.
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.
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://altmonie.com may contain links to many other websites. Alt Monie, Curio Haus, its Affiliates and Partners cannot guarantee the accuracy of information found at any linked site. Links to or from external sites not owned or controlled by Alt Monie, Curio Haus, its Affiliates and Partners do not constitute an endorsement by Alt Monie, Curio Haus, its Affiliates and Partners 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 Alt Monie, Curio Haus or its licensors. The use of our trademarks, content and intellectual property is forbidden without the express written consent from Curio Haus.
You must not:
- Change or make any derivative of the 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.
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.
If you comply with these Terms, you will have a limited, non-exclusive, non-transferable, and revocable license to access and use both the publicly available and password protected areas of the Sites, only for its intended purpose. If you comply with these Terms, you shall have a worldwide, royalty-free, non-transferable license to provide a link to the publicly available areas of the Sites, if the link is provided for the intended purpose of the Sites. Except as allowed specifically, you may not copy, modify, distribute, transmit, display, reproduce, publish, license, transfer or sell any content or any information included on the Sites.
DIGITAL MILLENNIUM COPYRIGHT ACT
If you believe that any content infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing us with the information in writing as outlined in 17 U.S.C 512(c)(3).
You acknowledge that if you fail to comply with all of the requirements of 17 U.S.C. 512 (c)(3), your DMCA notice may not be valid.
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.
No guarantees are given or implied.
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.
Alt Monie, Curio Haus, its Affiliates and Partners is not responsible for any of the opinions or comments posted on https://altmonie.com, and our Affiliates and Partners 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 Alt Monie, Curio Haus, its Affiliates and Partners does not share the opinions, views or commentary of any testimonials on https://altmonie.com - the opinions are strictly the views of the testimonial source.
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.
Alt Monie, Curio Haus, its Affiliates and Partners 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, Alt Monie, Curio Haus, its Affiliates and Partners uses software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.
LIMITATION OF LIABILITY
Alt Monie, Curio Haus, its Affiliates and Partners makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contained 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, non-infringement of intellectual property or fitness for any particular purpose.
EXCEPT IN JURISDICTIONS WHERE SUCH PROVISIONS ARE RESTRICTED AND EXCEPT AS MAY BE REQUIRED BY APPLICABLE SECURITIES LAWS, IN NO EVENT SHALL ALT MONIE, CURIO HAUS, ITS AFFILIATES OR THEIR DIRECTORS, MANAGERS, OFFICERS, STOCKHOLDERS, MEMBERS, PARTNERS, EMPLOYEES OR REPRESENTATIVES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR USE OF THE SITE OR THE SERVICES OR ANY OF THE SITE CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE SITE, EVEN IF ALT MONIE, CURIO HAUS, ITS AFFILIATES IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, EXCEPT AS MAY BE REQUIRED BY APPLICABLE SECURITIES LAW OR OTHER LAWS, YOU SHALL BE LIMITED TO INJUNCTIVE RELIEF ONLY, AND SHALL NOT BE ENTITLED TO DAMAGES OF ANY KIND FROM ALT MONIE, CURIO HAUS, ITS AFFILIATES OR THEIR DIRECTORS, MANAGERS, OFFICERS, STOCKHOLDERS, MEMBERS, PARTNERS, EMPLOYEES OR REPRESENTATIVES, REGARDLESS OF THE CAUSE OF ACTION.
CERTAIN FEDERAL AND STATE LAWS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES OR LIMITATIONS ON IMPLIED WARRANTIES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
Disputes - The terms of this Section shall apply to all Disputes between you and Alt Monie, Curio Haus, Affiliates and Partners or its agents or associates. For the purposes of this Section, “Dispute” shall mean any dispute, claim, or action between you and Alt Monie, Curio Haus, its Affiliates and Partners or its agents or associates arising under or relating to your Curio Haus Account, these Terms, or any other transaction involving you and Alt Monie, Curio Haus, its Affiliates and Partners or its agents or associates, whether in contract, warranty, misrepresentation, fraud, tort, intentional tort, statute, regulation, ordinance, or any other legal or equitable basis, and shall be interpreted to be given the broadest meaning allowable under law.
Binding Arbitration - You and Alt Monie, Curio Haus, its Affiliates and Partners or its agents or associates further agree: (i) to arbitrate all Disputes between the parties pursuant to the provisions in these Terms; (ii) these Terms memorialize a transaction in interstate commerce; (iii) the Federal Arbitration Act (9 U.S.C. § 1, et seq.) governs the interpretation and enforcement of this Section; and (iv) this Section shall survive termination of these Terms. Arbitration means that you waive your right to a judge or jury in a court proceeding and your grounds for appeal are limited. The arbitrator may award you the same damages and relief as a court sitting in proper jurisdiction could, and may award declaratory or injunctive relief. In addition, in some instances, the costs of arbitration could exceed the costs of litigation and the right to discovery may be more limited in arbitration than in court. The decision of the arbitrator shall be final and enforceable by any court with jurisdiction over the parties. You may choose to engage in arbitration hearings by telephone or by videoconference. Hearings in any arbitration commenced by you that are not conducted by telephone or videoconference shall take place only in Denton County, Texas USA.
By visiting or using the Sites, you agree that the laws of the State of Texas, without regard to any principles of conflict of laws that would require or permit the application of the laws of any other jurisdiction, will govern these Terms. By agreeing to these Terms, you agree to submit to personal jurisdiction in Denton County, Texas USA for all purposes, and you agree to waive, to maximum extent permitted by law, any right to a trial by jury for any matter. Unless otherwise agreed in writing by you and us, any dispute arising out of or relating to these Terms, or any breach thereof, shall be finally resolved by binding arbitration administered by JAMS or by the American Arbitration Association under its Commercial Arbitration Rules, or such arbitration body as required by law, rule or regulation, and final judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction. The arbitration will be conducted in the English language before a single arbitrator in Denton County, Texas USA. Such arbitration must be commenced within one (1) year after the claim or cause of action arises. Notwithstanding the foregoing, either Alt Monie, Curio Haus, its Affiliates and Partners or you may apply to any court of competent jurisdiction for injunctive relief without breach of this arbitration provision.
You agree that you are waiving the right to a trial by jury or to participate in a class action. This is a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this provision. This arbitration provision shall survive termination of your account with us. YOU AND Alt Monie, Curio Haus, its Affiliates and Partners 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. Additionally, 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 understand that you may consult with counsel about agreeing to arbitration or any other of these Terms, and you agree that by using the Sites, and their Services, you are voluntarily accepting these Terms.
OTHER MATTERS & AGREEMENTS
In addition to these Terms, you are bound to the terms of each other agreement to which you agree as a user of the Sites and the Services, including, without limitation all software licensing agreements and the licensing agreements with partners of Curio Haus. You agree that no joint venture, partnership, employment or agency relationship exists between you and us a result of these Terms or your use of the Sites and the Services. You agree that we can assign these Terms, in whole or in part, in our sole discretion. You may not assign your rights or obligations under these Terms without written permission from us. If any provision of these Terms is found to be invalid by any court with appropriate jurisdiction, the invalidity of such provision shall not affect the validity of the other provisions of these Terms, which shall remain in full force and effect. If we fail to act with respect to a breach of these Terms, such inaction does not waive our right to act with respect to that breach or subsequent breach.
Except as specifically contemplated by these Terms, no representations, statements, consents, waivers or other acts or omissions by us shall be deemed legally binding on us, unless documented in writing. We make no representation that the Sites is appropriate or may legally be viewed in the nation, state, or other jurisdiction in which you are located. Access to the Sites is prohibited from jurisdictions where the Sites, or its content is illegal. You agree that these Terms, as well as any action or proceeding arising out of or in connection with any dispute with us, including without limitation any claim involving us or our affiliates, subsidiaries, employees, members, officers, directors, and agents, shall be governed by and construed in accordance with the laws of the State of Texas in all matters. Jurisdiction for any claims arising under these Terms shall lie exclusively with the state or federal courts within Denton County, Texas USA.
We reserve the right to amend these terms at any time with or without notice. However, please be assured that if the terms policy changes in the future, we will not use the personal information you have submitted to us under these terms in a manner that is materially inconsistent with these terms policy.
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.
This site and several affiliate sites is owned and operated by Curio Haus LLC and may contain advertisements, sponsored content, paid insertions, affiliate links or other forms of monetization.
The Sites abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the sponsored content, topics or posts made on this site.
The views and opinions expressed on this website are purely those of the authors.
Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer, provider, source and/or licensed professional.
We reserve the right to permanently remove/ban anyone from our products/services that violate these terms, agreements, or who in anyway creates a liability and/or has the potential to damage, harm, defame, jeopardize, and/or threaten the brand and/or community of Alt Monie, Curio Haus, its Affiliates and Partners.
If you do not agree with any of these terms, you are prohibited from using or accessing this site, its services, and affiliate services. Do unsubscribe immediately. If you're in agreement, continue access at your sole discretion.