Effective Date: September 20, 2023
Important: These Terms Include an Arbitration Clause and Class Action Waiver
Please read this document carefully, as it affects your legal rights. Any disagreements or claims you have regarding your use of Income Series’ services will be resolved through binding arbitration instead of in a courtroom.
1. What These Terms Are About
These Terms and Conditions, combined with our Privacy Policy, spell out the rules for using our website (“the Site”) and services (“Services”) offered by Income Series and its affiliates (“we”, “us”, “our”). By using our Site and Services, and where legally required, giving consent for marketing texts and calls, you agree to abide by these rules. If you don’t agree, please don’t use the Site or our Services.
2. The Content on Our Site
All the text, images, and other materials you see on our Site are protected by U.S. copyright laws. This means you can view and download one copy for your own non-commercial use, but that’s it. Please don’t distribute, change, or use it for commercial purposes without our permission.
3. Our Trademarks
The names, logos, and other trademarks you see on our Site are either owned or licensed by Income Series. We ask that you only use these trademarks if we’ve given you permission to do so. Sometimes we use other companies’ trademarks under ‘fair use,’ but we don’t claim to own them.
4. Your Contributions
We’re glad to hear your thoughts and feedback. When you send us comments, ideas, or other information (“Your Contributions”), you’re giving us the right to use them however we see fit. This could mean modifying them, publishing them on our Site, or even deleting them, and you won’t receive any compensation for this. Please make sure you have the right to share any copyrighted or trademarked material. Also, let’s keep the conversation constructive and respectful, and obey all relevant laws.
Note on Reviews
The customer reviews you might see on our Site come directly from people who have used our Services. They aren’t paid for their opinions, and winning any contests we run is not dependent on what they say in their reviews. We’re not responsible for the views expressed in these reviews; they belong to the individuals who wrote them.
5. About Our Rankings and Recommendations
Our website offers a special section that ranks and recommends various products and services. These rankings are here to help you, but they’re based on our opinions and analysis, which can be both subjective and objective. Always do your own research before making any decisions. We won’t be responsible for any claims or statements made in these rankings. Just so you know, these rankings can change, and the prices quoted are updated at least once a week. Income Series is a private entity and we do get compensated by some companies we rank. All the content found within incomeseries.com and our newsletter is intended for general informational purposes and should not replace financial advice and/or expert advice and/or professional advice and/or legal advice tailored to your individual needs. Our content is for entertainment purposes only.
6. We’re Not Responsible for Errors or Omissions
Income Series doesn’t promise that everything on the Site will always be perfect. We can’t be responsible for any expenses or damages you might incur from using the Site or our Services. Everything is offered ‘as-is’ and at your own risk. We do our best to provide accurate and up-to-date information, but we can’t make any guarantees.
7. What We’re Not Liable For
We won’t be responsible for any indirect or consequential damages you might experience from using the Site or Services. This holds even if we’ve been advised of the potential for such damages.
8. Third-Party Links
Our Site and Services may include links to other websites, but that doesn’t mean we endorse them. Use these links at your own risk. Also, we participate in the Amazon Services LLC Associates Program, which means we might earn fees from linking to Amazon.com and affiliated sites.
9. Protecting Ourselves and You
By using our Site or Services, you agree to cover any costs we might incur as a result of your actions. This could include legal fees or damages that come from your use of the Site, its content, or our Services, especially if you violate these Terms and Conditions.
10. Clause Flexibility
If any part of this agreement isn’t enforceable where you live, that won’t affect the rest of the agreement. The other terms will still be valid, not just in your jurisdiction but also elsewhere.
11. Marketing Communications Consent
When you sign up or use our Site, you’re giving us the go-ahead to send you marketing emails and messages. We might use automated systems or pre-recorded messages to contact you at the email or phone number you provide. Don’t worry, we’re not making this a condition for you to use our Services. By doing so, you’re also agreeing to these Terms and our Privacy Policy.
12. The Law of the Land
Everything in this agreement falls under Utah law. Any disagreements we have will be settled in the courts located in Salt Lake City, Utah. Not waiving a term here doesn’t mean we won’t enforce it later.
13. The Whole Deal
Unless something else is written on our Site, this is the agreement between you and us. These terms override any other agreement or discussion we may have had before about using our Site or Services.
14. Changing the Rules
We can change these terms at any time, and it’s your responsibility to keep up. If there are significant changes, we’ll notify you in the way that the law requires. Otherwise, your continued use of the Site means you’re OK with the new terms.
15. Resolving Disputes Through Arbitration
Important note: By using this Site, you agree that any disputes between us will be resolved through binding arbitration rather than in court or by a jury trial. Also, you’re waiving your right to join any class-action lawsuits against us, and any arbitration will be between you and us as individuals.
Our agreement to arbitrate is meant to be interpreted broadly, covering claims like those arising under the Telephone Consumer Protection Act or any other law. Federal Arbitration Act rules apply, determining whether an issue can be arbitrated. Unless you and we mutually decide otherwise, the American Arbitration Association’s Consumer Rules apply. Arbitrators must respect this Agreement just as a court would, and they can award damages accordingly.
The arbitration result is final, barring a few Federal Arbitration Act exceptions. By agreeing to this, you and we both forfeit the right to a jury trial or to participate in class action lawsuits.
No group arbitrations are allowed, even if the AAA rules would permit them. Arbitration must proceed on an individual basis. We’re both responsible for our own legal costs, but we’ll cover administrative fees for claims under $75,000, unless they’re deemed frivolous.
16. Mobile Marketing Guidelines
This section’s terms are subject to the arbitration agreement and class action waiver in Section 15.
16.1 How to Subscribe
You can opt in to receive marketing texts and calls from us and our associated brands by giving us your express written consent through text or an online form.
16.2 What You’re Agreeing To
By opting in, you’ll get recurring automated marketing texts and calls, which could use automated systems, to the mobile number you provided or any other number you specify. Consent isn’t a condition for making any purchase.
16.3 Message Frequency
We can change how often we send you messages, both increasing or decreasing the frequency.
16.4 Own the Number
You confirm that you own or are authorized to use the mobile number you provided. Let us know if you change your number.
16.5 How to Unsubscribe
If you want to stop receiving texts and calls, text STOP to (866) 788-0083. Doing so only removes you from our mobile marketing but doesn’t affect other forms of communication.
By giving this consent, you’re not precluded from raising issues with federal, state, or local agencies that could potentially seek relief on your behalf.
Note: If any part of Section 15 is found to be illegal or unenforceable, that part will be excluded; the rest of the terms remain valid. The unenforceable term will be replaced by a valid, enforceable term that most closely matches the intent of the original term.
Feel free to reach out if you have any questions regarding these terms. Thank you for being a part of our community.