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Product	Subtotal
Mastermind Membership (Quarterly) × 1	$395.00 every 3 months
Income Insights (Quarterly) × 1	$155.00 every 3 months
Subtotal	$550.00
Total	$550.00

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DO NOT BASE ANY INVESTMENT DECISIONS UPON ANY MATERIALS FOUND ON THIS WEBSITE. We are not registered as a securities broker-dealer nor as an investment adviser. We are neither licensed nor qualified to provide investment advice.

Nicoya Research LLC provides the website known as nicoyaresearch.com (“the Site”) subject to your compliance with the terms and conditions set forth in this Agreement. By using the Site, you agree to be bound by these terms and conditions. If you do not agree to these terms and conditions, please do not use the Site.

You must be at least 18 years of age to use the Site. If you are not at least 18 years old, please do not access or use the Site.

This Agreement is made between Nicoya Research LLC and you, the user and/or member of the Sites (“you”). We reserve the right at any time to:

Change the terms and conditions of this Agreement;
Change the Site, including eliminating or discontinuing any content on or feature of any of the Site; or
Change any fees or charges for use of the Site.

Any changes we make will be effective five (5) days after notice of any change is provided to you, which may be done by means including, without limitation, posting on the Site or via electronic mail. Your use of the Site after such notice will be deemed acceptance of such changes. Be sure to review this Agreement periodically to ensure familiarity with the most current version. Upon our request, you agree to sign a non-electronic version of this Agreement.

Privacy. Our policy with respect to the collection and use of your personal information is set forth in our Privacy Policy.

Code of Conduct. While using the Site you agree not to:

Restrict or inhibit any other visitor or member from using the Site, including, without limitation, by means of “hacking” or “cracking” or defacing any portion of any of the Site;
Use the Site for any unlawful purpose;
Express or imply that any statements you make are endorsed by us, without our prior written consent;
Intentionally re-register for multiple free trials to the same publication under different email addresses within a six-month period as a means to avoid paying for a given newsletter. Our business requires substantial expenses to operate, including journalist fees, technology-related costs and marketing expenses, among others. In order to cover these expenses, our newsletters are made available only to fee-paid members and limited-time free trial subscribers. By using our site, you agree to respect that fact and to not sign up for more than one free trial to any given newsletter within a six-month period. You are, of course, more than welcome to sign up for one free trial to all of our various publications. You simply cannot sign up for two or more trials to the same newsletter within a six-month period;
Transmit (a) any content or information that is unlawful, fraudulent, threatening, harassing, abusive, libelous, defamatory, obscene or otherwise objectionable, or infringes on our or any third party’s intellectual property or other rights; (b) any material, non-public information about companies without the authorization to do so; (c) any trade secret of any third party; or (d) any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication (except as otherwise expressly permitted by us); · Engage in spamming or flooding;
Transmit any software or other materials that contain any virus, worm, time bomb, Trojan horse, or other harmful or disruptive component;
Modify, adapt, sublicense, translate, sell, reverse engineer, de-compile or disassemble any portion of any of the Site;
Remove any copyright, trademark, or other proprietary rights notices contained in the Site;
Frame” or “mirror” any part of the Site without our prior written authorization;
Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the Sites or their contents;
Harvest or collect information about Site visitors or members without their express consent; or
Permit anyone else whose account or subscription was terminated or who has not registered or paid for our content to use any portion of the Site through your subscription, username or password.

While using the Site you agree to comply with all applicable laws, rules and regulations.

Registration for Subscription Sites. To have access to certain subscription or members-only sections of our web site, you must be or become a member. When and if you register to become a member, you agree to (a) provide accurate, current, and complete information about yourself as prompted by the appropriate registration form, and (b) to maintain and update your information to keep it accurate, current, and complete. You acknowledge that if any information provided by you is untrue, inaccurate, not current, or incomplete, we reserve the right to terminate this Agreement and your use of the Site. Please note that by signing up for one of our free trial or free newsletter subscriptions, you agree to receive occasional mailings from us in the future regarding certain financial offers that may interest you. You can always opt-out from receiving these offers by simply clicking on the link located at the bottom of each marketing email we send. As part of the registration process, you will also be asked to select a username and password. We may refuse to grant you a username that impersonates someone else, is or may be illegal, is or may be protected by trademark or other proprietary rights law, is vulgar or otherwise offensive, or may cause confusion, as determined by us in our sole discretion. If you have reason to believe that your account is no longer secure, you must promptly change your password by updating your account information, and immediately notify us by visiting our
Contact Us page.

YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR USERNAME AND PASSWORD AND FOR ANY AND ALL ACTIVITIES (INCLUDING PURCHASES) THAT ARE CONDUCTED THROUGH YOUR ACCOUNT  .

Termination. This Agreement shall remain effective until terminated in accordance with its terms. Nicoya Research LLC may terminate this Agreement, and/or your access to and use of the Sites or any portion thereof, immediately, in the event we determine, in our sole discretion, that you have breached this Agreement. In addition, we reserve the right to terminate this Agreement without cause.

Refund Policy. While you can cancel at any time to prevent future billings, subscribers are liable for charges incurred by them until termination of service. We do not give pro-rated refunds after renewals. We offer a 30-day conditional money-back guarantee. If you’re not 100% satisfied with our research, simply let us know within the first 30 days and we’ll refund your membership fee, minus a $95 “tire kicker” fee. Our research costs considerable time and money to produce, so this provides a measure of protection and helps attract high-quality members interested in long-term relationships.

When you subscribe, you’ll take advantage of our convenient automatic payment plan. We’ll automatically charge your credit card or PayPal account each month, unless you contact us to cancel. You can cancel at any time to end payments. A credit card or PayPal account is required if you are singing up for a trial. At the completion of the trial period, your credit card (or Paypal) will be billed at the regular subscription rate unless you notify us to cancel your subscription. Please note that trial offers are for first-time subscribers only.

By purchasing a Subscription to the Site, you become a Subscriber and agree to be bound by these Terms and Conditions (the “Agreement”). This agreement is subject to change by or the Site at any time, and changes are effective without notice upon each Subscriber.

Submissions. By sending or transmitting to us creative suggestions, ideas, notes, concepts, information, or other materials (collectively, “Materials”), you grant us and our designees a worldwide, non-exclusive, sublicensable (through multiple tiers), assignable, royalty-free, perpetual, irrevocable right to use, reproduce, distribute (through multiple tiers), create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import such Materials in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Materials.

Disclaimer. We are a publisher. Nicoya Research LLC is not registered as a securities broker-dealer or an investment adviser either with the U.S. Securities and Exchange Commission or with any state securities regulatory authority. NicoyaResearch.com is intended to provide opinions and analysis of stocks and markets but is not intended to provide personalized investment advice. DO NOT EMAIL NICOYARESEARCH.COM SEEKING PERSONALIZED INVESTMENT ADVICE, WHICH CANNOT BE PROVIDED. NicoyaResearch.com’s stock portfolio and the Nicoya Research email newsletter(s) represent only our editor’s opinions and should not be relied upon for purposes of transacting securities or other investments, nor should they be construed as an offer or solicitation of an offer to sell or buy any security. Nicoya Research LLC cannot and does not assess, verify or guarantee the suitability or profitability of any particular investment. You bear responsibility for your own investment research and decisions and should seek the advice of a qualified securities professional before making any investment.

Claims of Copyright Infringement. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials hosted by Nicoya Research infringe your copyright you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. Notices and counter-notices with respect to the Site should be sent to Nicoya Research LLC, 2675 West SR 89A, #1062 Sedona, AZ 86336. We suggest that you consult your legal advisor before filing a notice or counter-notice. Also, be aware that there can be penalties for false claims under the DMCA.

Ownership and Restrictions on Use. ©2020 Nicoya Research LLC. All Rights Reserved. You may only access and use the materials on the Site, and download and/or print out only one copy of any materials on the Site, solely for your personal use. You may not republish, upload, post, transmit or distribute materials from the Site in any way without our prior written permission. Modification of the materials or use of the materials for any other purpose is a violation of our copyright and other proprietary rights, and is strictly prohibited. You acknowledge that you do not acquire any ownership rights by using the Site.

Jurisdictional Issues. The Site is solely directed to individuals residing in the United States. We make no representation that materials in or related to the Site are appropriate or available for use in other locations. Those who choose to access the Site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Site and/or the provision of any service or product described thereon to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service or product that we provide.

Links to Other Websites. The Site may contain links to other Internet websites or resources. We neither control nor endorse such other websites, nor have we reviewed or approved any content that appears on such other websites. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or inappropriate nature of any content, advertising, products, services, or information located on or through any other websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content.

Warranties Disclaimer. The site, the materials on the site, and any product or service obtained or accessed through the site are provided “as is” and without representations or warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, Nicoya Research LLC, its officers, directors, employees, affiliates, suppliers, advertisers, and agents disclaim all warranties, express, implied or statutory, including, but not limited to, implied warranties of title, non-infringement, merchantability, and fitness for a particular purpose, and all warranties relating to the adequacy, accuracy or completeness of any information on the sites. Applicable law may not allow the exclusion of implied warranties, so the above exclusions may not apply to you. Nicoya Research LLC and its affiliates, suppliers, agents and sponsors do not warrant that your use of the site will be uninterrupted, error-free, or secure, that defects will be corrected, or that the site or the server(s) on which the site are hosted are free of viruses or other harmful components. You acknowledge that you are responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed to access and use the sites, and all charges related thereto. You assume total responsibility and risk for your use of the site and your reliance thereon. No opinion, advice, or statement of Nicoya Research LLC or its affiliates, suppliers, agents, members, or visitors, whether made on the site or otherwise, shall create any warranty. Your use of the sites and any materials provided through the sites are entirely at your own risk.

A possibility exists that the Site could include inaccuracies or errors, or materials that violate these Terms of Use (specifically, the Code of Conduct above). Additionally, a possibility exists that unauthorized alterations could be made by third parties to the Site. Although we attempt to ensure the integrity of the Site, we make no guarantees as to the Site’s completeness or correctness. In the event that such a situation arises, please contact us with, if possible, a description of the material to be checked and the location (URL) where such material can be found on the Sites, as well as information sufficient to enable us to contact you. We will try to address your concerns as soon as reasonably practicable. For copyright infringement claims, see the section on “Claims of Copyright Infringement” above.

NOTICE: Testimonials are believed to be true based on the representations of the persons providing the testimonials, but facts stated in testimonials have not been independently audited or verified. Nor has there been any attempt to determine whether any testimonials are representative of the experiences of all persons using the methods described herein or to compare the experiences of the persons giving the testimonials after the testimonials were given. The average reader should not necessarily expect the same or similar results. Past performance is not necessarily indicative of future results. No person was compensated for providing a testimonial.

Limitation of Liability. Neither Nicoya Research LLC, nor its affiliates, suppliers, advertisers, affiliates, or agents or sponsors are responsible or liable for any indirect, incidental, consequential, special, exemplary, punitive or other damages under any contract, negligence, strict liability or other theory arising out of or relating in any way to the sites and/or content contained on the sites, or any product or service purchased through the sites. Your sole remedy for dissatisfaction with the site and/or content contained within the site is to stop using the site. The sole and exclusive maximum liability to the company for all damages, losses, and causes of action (whether in contract, tort (including, without limitation, negligence), or otherwise) shall be the total amount paid by you, if any, to access the sites.

Indemnification. You agree to indemnify, defend and hold us, our officers, directors, employees, agents and representatives harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys’ fees), or other expenses that arise directly or indirectly out of or from (a) your breach of this Agreement, including any violation of the Code of Conduct above; (b) any allegation that any materials that you submit to us or transmit to the Sites infringe or otherwise violate the copyright, trademark, trade secret or other intellectual property or other rights of any third party; and/or (c) your activities in connection with the Sites or any services related to the Sites.

Miscellaneous. This Agreement is governed by and construed in accordance with the laws of the State of California (prior to July 2020) and State of Arizona (from July 2020 forward), United States of America, without regards to its principles of conflicts of law. You agree to personal jurisdiction by the federal and state courts located in Arizona, United States of America, and waive any jurisdictional, venue, or inconvenient forum objections to such courts. If any provision of this Agreement is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions. This Agreement is not assignable, transferable or sub-licensable by you except with our prior written consent. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained in this Agreement is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof. This, together with all the Nicoya Research LLC, policies referred to herein, constitutes the entire Agreement between us relating to the subject matter herein and supersedes and any all prior or contemporaneous written or oral Agreements between us.

Affiliate Program Terms & Conditions

In this agreement, the term “Affiliate” refers to you (the applicant). Wherever the agreement refers to “you” or “your”, it means “the Affiliate.” The terms “we”, “our”, and “us” throughout this user agreement refers to Nicoya Research LLC, the company that has created the products. By signing up and utilizing the Nicoya Research affiliate program, you indicate Your acceptance of this Agreement and its terms and conditions. If you do not accept this Agreement, do not use the nicoyaresearch.com or goldstockbull.com Service as an Affiliate.

Payment

Nicoya Research LLC will send payment via check or online payment for the applicable commissions on or about the 1st of the month when your balance exceeds $200. The referred customer must remain a member for at least 30 days and not request a refund in order to get credited the referral commission. If an order is canceled by the customer or if there are any returned checks or chargebacks, the amount will be deducted from the next monthly payment, including any fees. If a user requests a refund, this affiliate commission will be deducted from the amount owed.

The default affiliate payment percentage is 35%, unless otherwise noted. The affiliate relationship lasts 364 days. In other words, affiliates are paid a percentage of all revenues that come in from people they refer for one year, but not for renewals beyond the first year. Qualifying Sites Nicoya Research and Gold Stock Bull reserve the right NOT to accept any site into the Affiliate Program based on site content. All sites will be reviewed and sites on certain topics will not be permitted. Nicoya Research LLC reserves the right to shut down your Affiliate Program if any activities are found to be harmful in any way. You may not use your affiliate link as an entryway to pay for your own projects.

All Affiliates are expected to adhere to Nicoya Research’s no spam policy. Affiliates may promote Nicoya Research to “opt-in” lists ONLY. If you run a newsletter, ezine, or other kind of bulk email service, you must have evidence that people signed up to receive email from you. Any and all spam complaints will be investigated thoroughly. If you spam, we WILL terminate your contract. Part of the no spam policy means, you may NOT:

• Send any email to any type of mailing list or opt-in list that has been purchased or acquired from an outside individual or party.

• Send any email to any type of manually or automatically harvested list of email addresses, names, or contacts.

• Send any email to any type of “lead” or “prospect” before you have received a request for more information.

• Fax any message to any recipient that has not requested the information first.

• Send inappropriate postings to any newsgroup or forum that violates their anti-spam regulations.

Nicoya Research LLC reserves the right to terminate or refuse service to any person or organization at any time for any reason, or no reason at all. Any Affiliate that engages spam or in promoting prohibited products or services in connection with their site in any way shall have their affiliate contract terminated and could lose any or all affiliate commissions due to them. The site owner also shall be held liable for any and all damages and/or losses that may result as a consequence. Relationship of Parties Nicoya Research LLC and the affiliate are independent contractors, and nothing in this Agreement will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between the parties. You will have no authority to make or accept any offers or representations on our behalf. You will not make any statement, whether on your site or otherwise, that reasonably would contradict this statement.

No Warranties – Nicoya Research LLC makes no warranties of any kind, whether express or implied, with respect to the affiliate program. Nicoya Research LLC is not responsible for damages suffered by any customer, including incidental damages or lost profits. Nicoya Research LLC makes no representation that the operation of our site or the Affiliate Sites will be uninterrupted or error-free, and we will not be liable for the consequences of any interruptions or errors. All content in the Nicoya Research software and affiliate program is provided to you “as is” without warranty of any kind either express or implied including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security or accuracy. Additionally, Nicoya Research LLC in no way guarantees financial success through the affiliate program or that any users of the affiliate program or our products will make money in any amount. We are not offering you a guaranteed business opportunity of any sort.

If you have any questions about the Terms of Service, Privacy Policy or the practices described herein, you may contact:

Customer Service
Nicoya Research LLC
2675 West SR 89A, #1062
Sedona, AZ 86336
[email protected]

Revisions to This Policy

Nicoya Research LLC reserves the right to revise, amend, or modify this policy and our other policies and agreements at any time and in any manner. Notice of any revision, amendment, or modification will be posted in accordance with the Internet Service Agreement.

USE OF THIS SITE SIGNIFIES YOUR AGREEMENT TO THE PRIVACY POLICY AND APPLICABLE USAGE AGREEMENT.

Nicoya Research LLC reserves the right to change this policy at any time by posting a revised privacy policy on this web page. You can send e-mail to us with any further questions by visiting our Contact Us page.

DETAILED DISCLAIMER

The contents of this website are not provided to any particular individual with a view toward their individual circumstances. The information contained on our website is not an offer to buy or sell securities. We distribute opinions, comments and information for a monthly fee exclusively to individuals who wish to receive them.

Our website has been prepared for informational purposes only and is not intended to be used as a complete source of information on any particular company. An individual should never invest in the securities of any of the companies’ mentioned based solely on information contained on our website. Individuals should assume that all information provided regarding companies is not trustworthy unless verified by their own independent research.

Any individual who chooses to invest in any securities should do so with caution. Investing in securities is speculative and carries a high degree of risk; you may lose some or all of the money that is invested. Always research your own investments and consult with a registered investment advisor or licensed stock broker before investing.

Past performance is not indicative of future results. The material contained on nicoyaresearch.com and within our communications is intended for informational purposes only. Our website and newsletter are neither an offer nor recommendation to buy or sell any security. We hold no investment licenses and are thus neither licensed nor qualified to provide investment advice. The content of our website and/or newsletter is not provided to any individual with a view toward their individual circumstances. While all information is believed to be reliable, it is not guaranteed by us to be accurate. Individuals should assume that all information contained on our website or in our newsletter is not trustworthy unless verified by their own independent research. Also, because events and circumstances frequently do not occur as expected, there will likely be differences between the any predictions and actual results. Always consult a licensed investment professional before making any investment decision. Be extremely careful, investing in securities carries a high degree of risk; you may likely lose some or all of the investment. We reserve the right to buy or sell shares of any company mentioned on our website or in our newsletter at any time.

Information contained on our website will contain “forward looking statements” as defined under Section 27A of the Securities Act of 1933 and Section 21B of the Securities Exchange Act of 1934. Readers are cautioned not to place undue reliance upon these forward looking statements. These forward looking statements are subject to a number of known and unknown risks and uncertainties outside of our control that could cause actual operations or results to differ materially from those anticipated. Factors that could affect performance include, but are not limited to, those factors that are discussed in each company’s most recent reports or registration statements filed with the SEC. You should consider these factors in evaluating the forward looking statements included on the website and not place undue reliance upon such statements.

We are committed to providing factual information on the companies that are discussed. However, we do not provide any assurance as to the accuracy or completeness of the information provided, including information regarding a company’s plans or ability to effect any planned or proposed actions. We have no first-hand knowledge of any company’s operations and therefore cannot comment on their capabilities, intent, resources, nor experience and we make no attempt to do so. Statistical information, dollar amounts, and market size data was provided by the subject company and related sources which we believe to be reliable.

To the fullest extent of the law, we will not be liable to any person or entity for the quality, accuracy, completeness, reliability, or timeliness of the information provided on this website, or for any direct, indirect, consequential, incidental, special or punitive damages that may arise out of the use of information we provide to any person or entity (including, but not limited to, lost profits, loss of opportunities, trading losses, and damages that may result from any inaccuracy or incompleteness of this information).

We encourage you to invest carefully and read investment information available at the websites of the SEC at http://www.sec.gov and FINRA at http://www.finra.org.

IF YOU DO NOT AGREE WITH THE TERMS OF THIS DISCLAIMER, PLEASE EXIT THIS SITE IMMEDIATELY. PLEASE BE ADVISED THAT YOUR CONTINUED USE OF THIS SITE OR THE INFORMATION PROVIDED HEREIN SHALL INDICATE YOUR CONSENT AND AGREEMENT TO THESE TERMS.

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