Terms of Use Visitors and Members to TheDOCument.com and SVTPremium.com must understand and abide by the following Terms of Use and Disclosure statements. The content of the TheDOCument.com and SVTPremium.com are not investment advices. You should consult a licensed investment advisor before making any investment decisions. Scope of Agreement Under this Agreement, Deric O. Cadora of TheDOCument.com and Bert of SVTPremium.com publishes on-line financial information, opinions, and services to visitors. By visiting this website or by communicating with me through email, you agree to be bound by this Agreement. The term "use" means the use and availability of, access to, transmission to or from or any exchange of information or communication in connection with or arising from the Service. The term "Service" means this entire website and any communication, directly or indirectly, with Deric O. Cadora. The term "DOC" means Deric O. Cadora. This entire agreement between you and DOC, supersedes prior agreements regarding its subject matter. Whenever new products or services become available, your use of them will be subject to this Agreement unless DOC or Bert notifies you otherwise. You must comply with any additional terms which apply to third party content, software or other services. DOC may change this Agreement and/or the services offered at any time. When the terms are changed, the new version of the Agreement will be posted on this website for your review. You agree to accept responsibility for reviewing the Agreement for changes each time you visit TheDOCument.com. The date the Agreement was last updated will always be posted at the bottom of the Agreement. By continuing to use the Service, you agree to be bound by the changes in the new version of the Agreement. Scope of Service All contents of the Service are provided for informational and educational purposes only. You agree that the Service should not be interpreted as investment advice, as an endorsement of any security, or as an offer to buy or sell any security. DOC is not a registered broker dealer. TheDOCument.com, SVTPremium and DOC or Bert do not provide personal investment advice except under a separate contract with each individual. You also understand and agree that, from time to time, any or all of the information providers or their affiliates may hold positions in securities mentioned and that they may trade for their own account based on this information. In cases where the position (i.e. stock, futures, exchange-traded-fund, or other investment vehicle) is held at the time of posting, every reasonable attempt at appropriate disclosure will be made, when feasible. However, Members and visitors to TheDOCument.com or SVTPremium.com should always assume at all times that any and all positions discussed, listed, and or referred to or appearing at the website may also be currently owned by DOC, members of his direct family, or his investment advisory clients, or could be in both the near and distant future. Remarks and data comprising the Service are for informational purposes only and are provided without warranty of any kind. In no event will DOC or Bert be liable for any direct, indirect, consequential, or incidental damages arising out of any decision made or action taken by you in reliance on the Service, whether or not caused in whole or part by my negligence or error. The trading of securities, derivatives, commodities, or any other investment vehicle may not be suitable for all potential users of the Service. You should be aware of the risks inherent in different forms of investment and speculation. Past performance does not guarantee or imply future success. You cannot assume that profits or gains will be realized or that any opinion offered by DOC will be profitable. You are responsible for your own investment decisions and for performing due diligence in preparation for your investment decisions. The purchase of securities or other investment instruments discussed by DOC or other persons at TheDOCument.com or SVTPremium.com may result in the loss of some or all of any investment made. Trading stocks, futures, options, or other investment vehicles are inherently filled with risk and are not suitable for all investors. It is recommended that you consult an investment or financial advisor before buying or selling securities, or making any investment decisions. You assume the entire cost and risk of any investing and/or trading you choose to undertake. All information provided by TheDOCument.com or DOC personally is obtained from sources believed to be accurate and reliable. However, due to the number of sources from which information on the Service is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions, or inaccuracies in such information. THERE IS NO WARRANT THE ACCURACY, COMPLETENESS, CORRECTNESS, MERCHANT ABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION AVAILABLE THROUGH THE SERVICE. No company whose stock is featured on this website has paid a fee, or otherwise compensation for their appearance, coverage, and/or favorable opinion. Advertisements on this website are provided through Google's "Adwords" program. No control which advertisements appear in the Google panels, nor does the site owner hold opinions regarding the credibility of the advertisers or the value of their services. Owner of this site holds no responsibility for damages incurred to you by use of advertiser services. The opinions expressed about the stocks, commodities, funds, options, markets and other investments mentioned on this site or through any offered service is purely the result of independent research and are not offers or solicitations to buy or sell the instruments mentioned. Refund Policy for Members Trial and 3 months subscriptions: Subscription fees are non-refundable. Annual and semi-annual subscriptions: Full refunds are not available. Annual and semi-annual subscribers may request to convert a Membership into a one-month trial within one month of the initial purchase date or within one month of any annual or semi-annual renewal. The Member's expiration date will be revised to one month after the purchase or renewal date, and the Member's most recent payment will be refunded with the exception of the $20 trial subscription fee, plus a $10 processing fee. Last Updated 12, July, 2012

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