Terms and Conditions
Please note that our Natural Health Insiders Offerings (as defined below) are under constant development. New services are added frequently and these Terms and Conditions of Service may therefore be modified and updated on an ongoing basis. It is important to check back to this page regularly.
By using any part of the Natural Health Insiders Offerings, you acknowledge that you have read these Terms and Conditions, understand them, and agree to be bound by them. As a material condition of such use, you warrant that you are over the age of eighteen and that you have provided accurate and complete information in any communication with Natural Health Insiders. Paragraph 15 of these Terms and Conditions includes a provision binding you to arbitration of any dispute you may have with respect to your use of the Natural Health Insiders Offerings, pursuant to which you relinquish your right to bring an action in court and to a jury trial, although Natural Health Insiders retains the option to arbitrate or to bring an action in court. Specific reference is made to that provision, to which you agree by using any part of the Natural Health Insiders Offerings.
FULL DISCLAIMER (Health-related content and affiliated medical sites): All information presented in THE Natural Health Insiders OFFERINGS and via e-mail and any online publication is generic, nonspecific and for general informational purposes only. Any medically-related information, including (without limitation) responses to individual and other reader questions, is not provided by a personal health professional, does not constitute specific medical advice for any individual and is for informational purposes only. No information presented in THE Natural Health Insiders OFFERINGS should be construed as medical consultation, diagnoses or instruction. Any action you take on the basis of this INFORMATION is solely at your own risk and expense. Readers are advised to consult a health professional about any issue regarding their health and well-being. The opinions expressed in the Natural Health Insiders Offerings do not necessarily reflect those of Natural Health Insiders
FULL DISCLAIMER (Financial-related content and affiliated sites): THE Natural Health Insiders OFFERINGS AND ANY REPORT OR PUBLICATION DISCUSSED THEREIN ARE INTENDED SOLELY FOR INFORMATIONAL PURPOSES AND ARE NOT TO BE CONSTRUED, UNDER ANY CIRCUMSTANCES, BY IMPLICATION OR OTHERWISE, AS AN OFFER TO SELL OR A SOLICITATION TO BUY OR SELL OR TRADE IN ANY COMMODITIES, SECURITIES, OR CURRENCIES HEREIN NAMED. INFORMATION IS OBTAINED FROM SOURCES BELIEVED TO BE RELIABLE, BUT IS IN NO WAY GUARANTEED. NO GUARANTEE OF ANY KIND IS IMPLIED OR POSSIBLE WHERE PROJECTIONS OF FUTURE CONDITIONS ARE ATTEMPTED. IN NO EVENT SHOULD THE CONTENT BE CONSTRUED AS AN EXPRESS OR IMPLIED PROMISE, GUARANTEE OR IMPLICATION BY OR FROM THE SERVICES, Natural Health Insiders OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES OR OTHER AGENTS THAT YOU WILL PROFIT OR THAT LOSSES CAN OR WILL BE LIMITED IN ANY MANNER WHATSOEVER. SOME RECOMMENDED TRADES MAY INVOLVE SECURITIES HELD BY OUR OFFICERS, AFFILIATES, EDITORS, WRITERS OR EMPLOYEES, AND INVESTMENT DECISIONS MAY BE INCONSISTENT WITH OR EVEN CONTRADICTORY TO THE DISCUSSION OR RECOMMENDATION IN THE SERVICE. PAST RESULTS ARE NO INDICATION OF FUTURE PERFORMANCE. ALL INVESTMENTS ARE SUBJECT TO RISK, WHICH SHOULD BE CONSIDERED PRIOR TO MAKING ANY INVESTMENT DECISIONS. CONSULT YOUR PERSONAL INVESTMENT ADVISERS BEFORE MAKING AN INVESTMENT DECISION. THE Natural Health Insiders OFFERINGS PROVIDE GENERALIZED FINANCIAL INFORMATION DESIGNED TO EDUCATE A BROAD SEGMENT OF THE PUBLIC; IT DOES NOT GIVE PERSONALIZED INVESTMENT, TAX, LEGAL OR OTHER BUSINESS AND PROFESSIONAL ADVICE. FOR PRIVACY PROTECTION, ABBREVIATED OR FICTITIOUS NAMES WERE USED FOR SOME OF THE INDIVIDUALS MENTIONED IN THE Natural Health Insiders OFFERINGS AND ANY REPORT OR PUBLICATION. The opinions expressed in the Natural Health Insiders Offerings do not necessarily reflect those of Natural Health Insiders
Terms and Conditions
1. Grant of License. These Terms and Conditions provide you with a personal, revocable, non-exclusive, non-transferable license to use the Natural Health Insiders Offerings conditioned on your continued compliance with these Terms and Conditions.
In the event that you fail to comply with these Terms and Conditions, Natural Health Insiders shall be entitled to terminate this license granted to you with immediate effect and without notice, including removing your ability to access or use the Natural Health Insiders Offerings or Other Agreement you may have. Natural Health Insiders reserves the right, at any time and in its sole discretion, (a) to block traffic or other access to the Natural Health Insiders Offerings, whether or not directly or through third party links or postings and (b) to block or remove your use of a link to the Natural Health Insiders Offerings.
Except as set forth herein, nothing in these Terms and Conditions is intended to confer any benefit on any third party (whether such benefit would have arisen under any applicable law or regulation or otherwise) and no term will be enforceable by any third party.
2. Intellectual Property Rights; Right to Use; Modification of Natural Health Insiders Offerings.
(a) The Natural Health Insiders Offerings, including their layout and design, are protected by United States trademark and copyright law and other applicable law and are the exclusive property of Natural Health Insiders or its licensors (except as otherwise identified) and, except as expressly provided herein, Natural Health Insiders does not grant any express or implied right in any such materials to you. In particular and without limitation, Natural Health Insiders owns the copyright in the Natural Health Insiders Offerings as a collective work and/or compilation. Natural Health Insiders also owns the copyright on, or holds a license for, any and all databases accessible on the Natural Health Insiders Offerings and in the selection, coordination, arrangement, aggregation and enhancement of the content of the Natural Health Insiders Offerings. Natural Health Insiders is entitled to use all such databases, Submissions (as defined in Paragraph 11, below) and User-Generated Content (as defined in Paragraph 11, below) for such purposes not inconsistent with these Terms and Conditions or any other of our agreements with you. You may, on an occasional and irregular basis, print and download materials and information from the Natural Health Insiders Offerings solely for personal and non-commercial use, or, only to the extent permitted by an Other Agreement, for internal business use, provided that you comply with these Terms and Conditions with respect to any copyright or other proprietary notices contained in such materials and information. All copyrights and trademarks not the property of Natural Health Insiders that are used or referred to in the Natural Health Insiders Offerings are the property of their respective owners, and may be subject to other or additional restrictions.
(b) If you believe that any of the Natural Health Insiders Offerings is infringing copyrights or other intellectual property rights held by you or by someone on whose behalf you are authorized to act, please follow the steps described on Natural Health Insiders’s Contact Information page.
(c) The Natural Health Insiders logo, and all other names, logos, and icons identifying Natural Health Insiders and/or Natural Health Insiders products and services are proprietary marks of Natural Health Insiders or its licensors. Third party product and company names mentioned herein are the trademarks of their respective owners.
(d) The components, data, and features of the Natural Health Insiders Offerings may be added to, modified, suspended, or discontinued by Natural Health Insiders without notice, and you agree that Natural Health Insiders shall not be liable to you or to any third party for any addition, modification, suspension, or discontinuance of the Natural Health Insiders Offerings or any part thereof.
3. Restrictions on Use of the Natural Health Insiders Offerings. YOU AGREE TO USE THE Natural Health Insiders OFFERINGS SOLELY FOR YOUR OWN NONCOMMERCIAL USE AND BENEFIT, AND TO COMPLY WITH ANY OTHER APPLICABLE TERMS AND CONDITIONS OF SERVICE SET FORTH IN THE Natural Health Insiders OFFERINGS. You may not and you hereby warrant and agree that you will not make any attempt to or, actually, use the Natural Health Insiders Offerings for any illegal purpose or in any manner inconsistent with these Terms and Conditions, any Purchase/Subscription Agreement or Other Agreement, or our RSS Policy (for the limited use of headlines and summaries), including (without limitation):
(a) To sell, resell or otherwise transfer or dispose to, or to be used by or for the benefit of, any other person or entity;
(b) To use, transfer, distribute, or dispose of any information contained in the Natural Health Insiders Offerings in any manner that could compete with the business of Natural Health Insiders or any of its suppliers;
(c) To modify, create derivatives of, copy, reproduce, recompile, reverse compile, decompile, disassemble, reverse engineer, distribute, broadcast, publish, display, broadcast, modify, upload to, create derivative works or construct a database from, license, transfer, sell, transmit, mirror, frame, “deep link”, “scrape”, data mine, translate, or in any way use or exploit all or any part of the Natural Health Insiders Offerings (including, without limitation, to collect any information about other users of Natural Health Insiders Offerings, including registration information, passwords, accounts or other information; systematically to extract data contained in the Natural Health Insiders Offerings; or to post any content from the Natural Health Insiders Offerings to forums, newsgroups, list serves, mailing lists, electronic bulletin boards, or other websites), except that you may, on an occasional and irregular basis, print and download material from the Natural Health Insiders Offerings, provided that you retain all copyright and other proprietary notices and comply in all respects with these Terms and Conditions or our RSS Policy;
(d) To use the Natural Health Insiders Offerings or the information contained therein, including Natural Health Insiders’s trademarks, trade names, service marks, copyrights, or logos, to make or as part of unsolicited mailings or spam material. YOU MAY NOT USE ANY OF Natural Health Insiders’S OR ANY THIRD PARTY’S TRADEMARKS, TRADE NAMES, SERVICE MARKS, COPYRIGHTS, OR LOGOS IN ANY MANNER WHICH CREATES THE IMPRESSION THAT SUCH ITEMS BELONG TO OR ARE ASSOCIATED WITH YOU OR, EXCEPT AS OTHERWISE PROVIDED HEREIN, ARE USED WITH Natural Health Insiders’S CONSENT, AND YOU ACKNOWLEDGE THAT YOU HAVE NO OWNERSHIP RIGHTS IN AND TO ANY OF SUCH ITEMS;
(e) To upload, post or send any information or content that (i) is unlawful, libelous, slanderous, offensive, obscene, hateful, pornographic, violent, insulting, threatening, abusive, misleading, deceptive, or racially, ethnically, or otherwise objectionable, (ii) constitutes or is comprised of any commercial, promotional, or solicitation information or (iii) as more fully described in Paragraph 11(e), infringes on the rights of others, including (without limitation) intellectual property rights, rights of publicity or privacy, etc.;
(f) To harm or threaten to harm users or members of the general public in any way, or “stalk” or otherwise harass any other person or entity;
(g) To disseminate or transmit “spam,” unsolicited messages, chain letters, any advertisements, solicitations, pyramid schemes, investment opportunities or other unsolicited commercial communication;
(h) To purchase, sell, or offer to purchase or sell any equity or security or market instrument; provide information designed to manipulate any equity or security market; or disseminate or transmit any material, non-public information about companies without authorization to do so;
(i) To impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
(j) To express or imply that any statements you make are endorsed by us;
(k) To remove any copyright, trademark or other proprietary rights notices contained in the Natural Health Insiders Offerings;
(l) To disrupt, impair or interfere with the Natural Health Insiders Offerings; and
(m) To improve the quality of any data sold or contributed by you to any third party.
Natural Health Insiders reserves the right to deny access to users of the Natural Health Insiders Offerings at any time and in its sole discretion, including users who repeatedly infringe the rights of other users or commit illegal acts or violate these Terms and Conditions. We may investigate into, deny, restrict or suspend your access to all or any part of the Natural Health Insiders Offerings at any time, without warning for any or no reason (including, without limitation, if you do any of the foregoing things), with or without prior notice or explanation, and without liability – and even take legal action if needed. If you believe that someone is using any of the Natural Health Insiders Offerings in violation of the above restrictions, please follow the steps described on Natural Health Insiders’s Contact Information page.
5. RSS Policy. Natural Health Insiders offers free headlines for personal, non-commercial use via Really Simple Syndication (RSS 2.0) (“RSS”) and via code provided to third party sites that request to join the Natural Health Insiders Feed Network (collectively with RSS, the “Feeds”). The Feeds make for easy sharing of news headlines and summaries for use in your favorite personal home page, news readers and Web logs (blogs). These Feeds include links to the most recent articles found on Natural Health Insiders.com and affiliated websites, and they update automatically.
(a) To use our news feeds, you will need a RSS news reader or personalized home page such as AOL, Google, MSN, or Yahoo!. You can find a list of news readers here.
(b) When using the Feeds in accordance with these Terms and Conditions, we ask that you provide attribution to Natural Health Insiders.com or the relevant affiliated website.
(c) Any uses of the Feeds not granted herein are strictly prohibited. Prohibited uses include, but are not limited to, the incorporation of advertising or the placement of advertising associated with or targeted at the content of the Feeds. You may not edit or modify the Feeds in any manner whatsoever. Feeds may be used only with platforms with a functional link which takes the viewer directly to the full article on the Sites. You may not insert any intermediate page, splash page or any other content between the Feed link and the applicable article on the Sites. Natural Health Insiders retains all ownership and other rights in the Feed content and in any and all Natural Health Insiders logos and trademarks used in connection with the Feeds.
Natural Health Insiders reserves the right to cease offering any or all of the Feeds at any time or to require you to cease distributing any or all of the Feeds at any time for any reason. Natural Health Insiders assumes no liability for your activities in connection with the Feeds or for your use of the Feeds in connection with your website.
6. Assumption of Risk. You use the Internet and the Natural Health Insiders Offerings solely at your own risk and subject to all applicable local, state, national, and international laws and regulations. While Natural Health Insiders has endeavored to create secure and reliable websites, please be advised that the confidentiality of any communication or material transmitted to/from a website over the Internet cannot be guaranteed. Accordingly, Natural Health Insiders and its licensors and suppliers are not responsible for the security of any information transmitted via the Internet, the accuracy of the information contained in the Natural Health Insiders Offerings, or for the consequences of any reliance on such information.
7. Links to Other Websites. Natural Health Insiders may provide links, in its sole discretion, to other websites on the World Wide Web for your convenience in locating related information and services. These websites have not necessarily been reviewed by Natural Health Insiders and are maintained by third parties over which Natural Health Insiders exercises no control. Accordingly, Natural Health Insiders expressly disclaims any responsibility for the content, the accuracy of the information, the quality of products or services provided by or advertised on and/or software downloaded from these third party websites, or whether those websites comply with applicable laws and regulations. Moreover, these links do not imply an endorsement of any third party or any website or the products or services provided by any third party. By accessing those websites, you may be bound by their terms and conditions. You will need to make your own independent judgment regarding your interaction with these third party websites and may wish to review their terms and conditions.
8. Events Beyond Natural Health Insiders’s Control. You expressly absolve and release Natural Health Insiders and its licensors and suppliers from any claim of harm resulting from a cause beyond their control, including, but not limited to, the failure of electronic or mechanical equipment or communication lines, power outages or third party service providers, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, terrorism or governmental restrictions. Natural Health Insiders and its licensors and suppliers shall have no liability for interruptions or omissions in Internet, network or hosting services. YOU ACKNOWLEDGE THAT NEITHER Natural Health Insiders NOR ITS THIRD PARTY PROVIDERS CONTROL YOUR EQUIPMENT OR THE TRANSFER OF DATA OVER COMMUNICATIONS FACILITIES, INCLUDING THE INTERNET, AND THAT THE SERVICES PROVIDED HEREUNDER MAY BE SUBJECT TO LIMITATIONS, DELAYS, AND OTHER PROBLEMS INHERENT IN THE USE OF SUCH COMMUNICATIONS FACILITIES, INCLUDING SEARCH ENGINES. Natural Health Insiders IS NOT RESPONSIBLE FOR ANY DELAYS, DELIVERY FAILURES, DATA LOSS, CONTENT CORRUPTION, PACKET LOSS, OR OTHER DAMAGE RESULTING FROM SUCH PROBLEMS.
9. DISCLAIMERS. Natural Health Insiders obtains all information furnished on or provided by the Natural Health Insiders Offerings from sources believed by it to be accurate and reliable. Because of the possibility of human and mechanical error as well as other factors, the Natural Health Insiders Offerings and all related materials, services and information are provided on an “as is” and “as available” basis without representation or warranty of any kind. Natural Health Insiders AND ITS LICENSORS AND SUPPLIERS MAKE NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO YOU OR ANY OTHER PERSON OR ENTITY AS TO THE ACCURACY, RESULTS, TIMELINESS, COMPLETENESS, MERCHANTABILITY, OR FITNESS FOR ANY PARTICULAR PURPOSE WITH RESPECT TO THE Natural Health Insiders OFFERINGS OR ANY RELATED MATERIALS, SERVICES OR INFORMATION. Natural Health Insiders makes no representation that materials in the Natural Health Insiders Offerings are appropriate or available for use in any particular location, and access to them from territories where any of the contents of a website are illegal is prohibited. If you choose to access any of the Natural Health Insiders Offerings from any such location, you do so on your own volition and are responsible for compliance with any applicable local laws. You agree and acknowledge that no oral or written information or advice given by Natural Health Insiders or any of its employees or agents in respect to the Natural Health Insiders Offerings shall constitute a representation or a warranty unless such information or advice is incorporated into these Terms and Conditions by a written agreement. FURTHER, THE INFORMATION, MATERIALS, PRODUCTS, AND SERVICES AVAILABLE ON OR PROVIDED BY THE Natural Health Insiders OFFERINGS MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND THERE MAY BE TIMES WHEN THE Natural Health Insiders OFFERINGS ARE UNAVAILABLE. MOREOVER, Natural Health Insiders MAY MAKE MODIFICATIONS AND/OR CHANGES TO THE Natural Health Insiders OFFERINGS, OR TO THE INFORMATION, MATERIALS, PRODUCTS, AND SERVICES DESCRIBED IN THE Natural Health Insiders OFFERINGS AT ANY TIME, FOR ANY REASON. YOU ASSUME THE SOLE RISK OF MAKING USE OF AND/OR RELYING ON THE INFORMATION, MATERIALS, PRODUCTS, AND SERVICES AVAILABLE IN THE Natural Health Insiders OFFERINGS.
UNDER NO CIRCUMSTANCES WILL Natural Health Insiders OR ITS LICENSORS OR SUPPLIERS BE LIABLE TO YOU FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, COMPENSATION, REIMBURSEMENT OR DAMAGES ON ACCOUNT OF THE LOSS OF PRESENT OR PROSPECTIVE PROFITS, EXPENDITURES, INVESTMENTS OR COMMITMENTS, WHETHER MADE IN THE ESTABLISHMENT, DEVELOPMENT OR MAINTENANCE OF BUSINESS REPUTATION OR GOODWILL, FOR LOSS OF DATA, COST OF SUBSTITUTE MATERIALS, PRODUCTS, SERVICES OR INFORMATION, COST OF CAPITAL, AND THE CLAIMS OF ANY THIRD PARTY, OR FOR ANY OTHER REASON WHATSOEVER, EVEN IF Natural Health Insiders OR ITS LICENSORS OR SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. TO THE EXTENT PERMITTED BY LAW, Natural Health Insiders AND ITS LICENSORS AND SUPPLIERS DISCLAIM LIABILITY FOR ANY DIRECT OR INDIRECT DAMAGES BASED ON YOUR USE OF THE Natural Health Insiders OFFERINGS. Natural Health Insiders is not liable for any damage arising from any infection by computer viruses, Trojan Horses and other malicious code which may result from your use of the Natural Health Insiders Offerings, so you should ensure that you use adequate, up to date, anti-virus software. Natural Health Insiders also assumes no responsibility or liability arising from the Natural Health Insiders Offerings or for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information within the Natural Health Insiders Offerings. In addition, although we make a good faith effort to update the Natural Health Insiders Offerings periodically, we do not have a duty to update information contained in the Natural Health Insiders Offerings, and we will not be liable for any failure to update such information.
10. Indemnity. You agree to indemnify, defend and hold harmless Natural Health Insiders, its licensors and suppliers, all of their affiliates, and all of their respective officers, directors, employees, shareholders, legal representatives, agents, successors and assigns, from and against any damages, liabilities, costs and expenses (including reasonable attorneys’ and professionals’ fees and court costs) arising out of any third party claims based on or related to your use of the Natural Health Insiders Offerings or any breach by you of these Terms and Conditions.
11. User Materials. Natural Health Insiders recognizes that you may choose to contact Natural Health Insiders and to use the Natural Health Insiders Offerings to contact Natural Health Insiders or other Natural Health Insiders Offerings users. You hereby acknowledge and agree that the following shall govern your contact of and communications with Natural Health Insiders, including your use of the Natural Health Insiders Offerings in that way:
(a) For the purposes hereof, (i) “Submissions” shall include any ideas, suggestions, information, know-how, material, or any other content, however received for the Natural Health Insiders Offerings from you, whether or not sent privately or by electronic transmission; and (ii) “User-Generated Content” shall include whatever you submit, send, transmit or post (collectively, “post”) if you have registered on any of the Natural Health Insiders Offerings using secure passwords in order to make any such post; and (iii) all of such “Submissions” and “User-Generated Content,” as individual items (or any part thereof) and collectively (including in any combination), including with other users’ materials, shall be deemed “User Materials” for purposes hereof;
(b) With respect to all User Materials, (i) you will be deemed to provide a worldwide, paid-up, royalty-free, perpetual, irrevocable, nonexclusive right and license, including right of sublicense, for Natural Health Insiders, without limitation, to adopt, publish, reproduce, disseminate, transmit, distribute, perform, reformat, copy, use, create updates, analyses or other derivative works of, publicly display or broadcast (in whole or part), or act on such User Materials and all ideas, suggestions or know-how provided therein, for any purpose, without consideration, in any form, media, or technology now known or later developed, and (ii) with respect to all of the foregoing, you hereby waive any right to attribution or droit morale;
(c) Natural Health Insiders shall not be liable for any failure to store or display User Materials at any time;
(d) All User Materials you send or post will be accessible by Natural Health Insiders, you, and any other users who are entitled to similar privileges; that Natural Health Insiders does not pre-screen User Materials; that by accessing or using the Natural Health Insiders Offerings, you may be exposed to User Materials sent or posted by others that you may perceive as offensive or otherwise objectionable; and that no User Materials you send or post will contain (i) anything unlawful, libelous, slanderous, offensive, obscene, hateful, pornographic, violent, insulting, threatening, abusive, misleading, deceptive, or racially, ethnically, or otherwise objectionable, or (ii) any commercial, promotional, or solicitation information;
(e) With respect to all User Materials you send or post on any of the Natural Health Insiders Offerings: you are solely responsible; you assume all risks associated with its use, including any reliance on its accuracy, completeness or usefulness by others, or any disclosure by you of information contained therein that makes you personally identifiable; and you represent and warrant that you own or otherwise control all of the intellectual property rights and other rights to that User Materials, including all the rights necessary for you to license, sublicense, and send or post any such User Materials;
(f) Notwithstanding anything contained herein to the contrary, Natural Health Insiders does not and cannot review User Materials and is not responsible for the content of User Materials; provided that, notwithstanding the foregoing, Natural Health Insiders may, but is not required to, accept, display or use any or any part of the User Materials; may remove any User Materials from the Natural Health Insiders Offerings for any reason without notice in its sole discretion; and shall not be liable for any failure to store or display User Materials at any time;
(g) You acknowledge and agree that you will receive no compensation for any use (including for online or offline promotional purposes) by Natural Health Insiders of, or ideas, suggestions or know-how you provide in, your User Materials, and hereunder grant us full right to use, display and publish all of the foregoing, consistent with the terms hereof; and
(h) If you believe that any User Material is infringing copyrights or other intellectual property rights held by you or by someone on whose behalf you are authorized to act, please follow the steps described on Natural Health Insiders’s Contact Information page.
12. Subscription Fees; Refund Policies. You agree to pay the subscription fees and any other charges incurred for a Service (including any applicable taxes) at the rate in effect when the charges were incurred. Natural Health Insiders may change the fees and charges then in effect, or add new fees or charges, by giving you advance notice. You are responsible for any fee or charges incurred to access a Service through an Internet access provider or other third-party service. Each subscription fee falls into one of the following categories:
(a) Paid: A paid subscription is when a person pays in full at the time of registration for a certain term (usually twelve (12) months). When a subscriber pays in full, he or she has the right to cancel at any time during the first ninety (90) days of the subscription for a full refund (unless longer terms are granted on the order page). After the first ninety (90) days of the subscription, subscribers may cancel his or her subscription at any time for a prorated refund of the unused term.
(b) Trial with a Premium Product: From time to time, Natural Health Insiders will offer a premium item (e.g., a free book, excluding applicable tax, shipping and handling charges) with a trial subscription to a Service.
(c) Bonus Trial: From time to time, Natural Health Insiders will give a bonus trial subscription to subscribers when they purchase a product or paid subscription. The subscriber may cancel the bonus subscription at any time.
13. Renewal; Cancellation. Your subscription will renew automatically unless it is cancelled in accordance with Natural Health Insiders’s policies. Thirty days before the end of your subscription and each subsequent renewal term thereafter, you will receive a notification that your subscription is ending. For all subscriptions, you must cancel your subscription before it renews in order to avoid billing of subscription fees for the renewal term. Natural Health Insiders may cancel your subscription or alter its delivery method at any time by notifying you, in which case you will have a right to a prorated refund of the unused term. You may cancel your subscription via the following means:
(a) Phone: (800) 485-4350
(b) Fax: (561) 494-0922
(c) Email: customerservice@NaturalHealthInsiders.com
(d) Website: www.moneynews.com/contact (financial publications) www.Natural Health Insiders.com/contact (health publications)
(e) Mail: Natural Health Insiders Media, 1501 Northpoint Parkway, Suite 104, West Palm Beach, FL 33407
(f) Renewal Notice: Send back your subscription renewal notice and mark “cancel”
14. Governing Law; Jurisdiction; Venue. Except as provided in Paragraph 15, these Terms and Conditions, including (without limitation) any disputes relating to the Natural Health Insiders Offerings, whether sounding in contract, tort, statute or otherwise, are governed by the laws of the State of Virginia, without reference to its conflict of law principles. Any litigation arising out of or connected in any way with any claim of infringement of copyrights or other intellectual property rights regarding the Natural Health Insiders Offerings shall take place in a State or Federal court of competent jurisdiction in Rockbridge County, Virginia. You hereby consent to personal jurisdiction and venue in the State and Federal courts located in the State of Virginia, Rockbridge County, with respect to any actions, claims, disputes or proceedings arising out of or in connection with the foregoing.
15. Dispute Resolution. Except as provided in Paragraph 14 or as specifically provided otherwise in any Other Agreement, any dispute, controversy or claim you may have arising out of or relating to these Terms and Conditions, including any disputes relating to the Natural Health Insiders Offerings, whether sounding in contract, tort, statute or otherwise, shall be finally resolved by arbitration. The arbitration shall be conducted by one arbitrator in English and in accordance with the International Rules of the American Arbitration Association, which shall administer the arbitration and act as appointing authority. The place of the arbitration shall be Rockbridge County, VA. The decision of the arbitrator shall be binding upon the parties hereto, and the expense of the arbitration (including without limitation the award of attorneys’ fees to the prevailing party) shall be paid as the arbitrator determines. The decision of the arbitrator may be entered by any court of competent jurisdiction. You agree to submit to the jurisdiction of the state and federal courts in the State of Florida for the purposes of any judicial proceedings to obtain interim relief and in aid of the arbitration or judicial proceedings to confirm or enforce the award. Notwithstanding the foregoing, Natural Health Insiders may seek relief from a court of law in the event of a breach by you of these Terms and Conditions.
16. Term, Termination, Amendments. These Terms and Conditions will take effect when you first commence using any of the Natural Health Insiders Offerings, whether or not you enter into any Other Agreement. Natural Health Insiders reserves the right at any time and for any reason to deny you access to the Natural Health Insiders Offerings or any portion thereof. Termination will be effective without notice. Please note that Natural Health Insiders reserves the right to change these Terms and Conditions without notice. If a change is implemented by a posting on the Natural Health Insiders Offerings, it shall be deemed to take effect when posted. Your continued use of the Natural Health Insiders Offerings following notice of such modifications will be conclusively deemed acceptance of any changes to these Terms and Conditions.
17. Waiver. Failure to insist on strict performance of any of these Terms and Conditions will not operate as a waiver of any subsequent default or failure of performance. No waiver by Natural Health Insiders of any right under these Terms and Conditions will be deemed to be either a waiver of any other right or provision or a waiver of that same right or provision at any other time.
18. Nature of Relationship. No joint venture, partnership, employment, or agency relationship exists between you and Natural Health Insiders as a result of these Terms and Conditions or your utilization of the Natural Health Insiders Offerings.
19. Severability. If any provision of these Terms and Conditions is held unenforceable by a court or tribunal of competent jurisdiction, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the parties, and the remainder of these Terms and Conditions shall continue in full force and effect.
20. Entire Agreement/Reservation of Rights. Your rights to use certain material available on or through the Natural Health Insiders Offerings may be subject to separate digital or written agreements with Natural Health Insiders (“Other Agreements”). Particular pages or features of the Natural Health Insiders Offerings with content supplied by Natural Health Insiders or its licensors may have different or additional terms (“Special Terms”), which will be disclosed to you when you access those pages or features, and by accessing or using such pages and features, you will be deemed to have agreed to the applicable Special Terms.