Disclosures &
Terms of Use
•DISCLOSURES
We, the folks at The Emmaus Research Center, LLC ("TERC", or "we", or "us"), offer the InvestWisely Newsletter and
access to the skills-to-invest.com Members Area and would love for you to use it. Our service is designed to give
you time sensitive stock research.
That said, we ask that you please respect TERC's sole right to distribute our content associated with our
product. In other words, our product is intended for use of the original buyer only. The research is licensed
for the personal use and those living at the same address as the subscriber of the membership.
By selecting a membership service you agree to pay The Emmaus Research Center, LLC ("TERC" or "we", or
"us") the monthly or yearly subscription fees indicated for that service. Payments for the
membership service will cover the use of that service for the period selected as indicated on a
recurring basis and can be cancelled by subscriber only. Membership fees paid for the period of usage are not
refundable. All membership fees are fully refundable during the first 90 days. Unless you email to
cancel before the end of that first year, your subscription will automatically renew for another year at the then
current price. This offer applies to all subscriptions is subject to change at any time. Void
where prohibited.
You should review the information on these pages from time to time.
The Emmaus Research Center, LLC ("TERC" or "we" or "us") is not registered as an investment adviser. TERC
relies upon the "publishers' exclusion" from the definition of investment adviser under Section 202(a)(11) of the
Investment Advisers Act of 1940 and corresponding state securities laws. As such, TERC does not offer or provide
personalized advice. We publish information about companies in which we believe our readers may be interested and
this information reflects our sincere opinions. The information that we provide or that is derived from our website
is not intended to be, and should not be construed in any manner whatsoever as, personalized advice. Also, our
website and the information provided by us should not be construed by any subscriber or prospective subscriber as
TERC's solicitation to effect, or attempt to effect, any transaction in a security. Investments in individual
securities are speculative and involve substantial risk. The information that we provide or that is derived from
our website should not be a substitute for advice from an investment professional. We encourage you to obtain
personal advice from your professional investment advisor and to make independent investigations before acting on
the information that you obtain from TERC or derive from our website. Only you can determine what level of risk is
appropriate for you.
TERC’s products are for informational and educational purposes only, and no mention of a particular security in
any product constitutes a recommendation to buy, sell, or hold that or any other security, or that any
particular security, portfolio of securities, transaction or investment strategy is suitable for any specific
person. None of the information providers (e.g., instructors or sales persons) or their affiliates will advise you
personally concerning the nature, potential, value or suitability of any particular security, portfolio of
securities, transaction, investment strategy or other matter. To the extent any of the information contained in any
TERC’s product may be deemed to be investment advice, it is impersonal and not tailored to the individual
investment needs of any specific person.
TERC’s personnel (e.g., instructors) are not subject to trading restrictions. TERC’s personnel could have a
position in a security or initiate a position in a security at any time. In the event you enter into trading
transactions, TERC’s personnel also may be trading or have positions in the same securities.
All investments and trading involve risk. Trading and investing subjects you to
risk of losses, including losses greater than your original investment. Many strategies, investments and
securities are not suitable for everyone. TERC does not determine whether any strategy, investment or
security is suitable for any individual. No one should trade with money they cannot afford to lose.
Mike Reichard is the Founder and Editor of www.skills-to-invest.com. His primary goal is to educate people
about investing. He has taught workshops locally, teaching individuals, business owners, and advisors how to
focus on achieving financial independence. Mike Reichard is the CEO of Emmaus Investor
Services, a Registered Investment Adviser with the Ohio Division
of Securities. The company and/or its clients may hold positions in the ETFs, mutual funds, stocks and/or index
funds mentioned on this web site. The commentary does not constitute individualized investment advice. The opinions
offered herein are not personalized recommendations to buy, sell or hold securities. Investors who are interested
in money management services may visit the Emmaus Investor
Services web site.
We encourage our readers to invest carefully and to utilize the information available at the websites of the
Securities and Exchange Commission at http://www.sec.gov and the Financial Industry Regulatory Authority at
http://www.FINRA.org You can review public companies' filings at the SEC's EDGAR page. The FINRA has published
information on how to invest carefully at its website.
Most of the information on our website or that we otherwise provide is derived directly from information published
by the companies on which we report and/or from other sources we believe are reliable, without our independent
verification. Therefore, we cannot assure you that the information is accurate or complete. The information may
contain discussions of, or provide access to, certain positions and recommendations as of a specific date. Due to
various factors, including, but not limited to, changing market conditions, such discussions and
positions/recommendations may no longer be reflective of current discussions and positions/recommendations. We do
not in any way warrant or guarantee the success of or endorse any action which you take in reliance on the
information that we provide or that is derived from our website.
As indicated above, TERC makes no representations or warranties about the accuracy or completeness of the
information contained on or derived from TERC's website or otherwise provided by TERC. Any links provided to other
websites are offered as a matter of convenience and in no way are meant to imply that TERC endorses, sponsors,
promotes or is affiliated with the owners of or participants in those sites, or endorses or warrants any
information contained on those sites, unless expressly stated. Furthermore, TERC does not endorse, guarantee or
warranty any third party products advertised on its site, in its newsletters, in any third party rental of its
permission based lists or otherwise referenced in any information provided by TERC or derived from TERC's website,
and TERC expressly disclaims any responsibility and accepts no liability with respect to such information and
products. TERC may receive a fee from a service provider that has a link on TERC's website or is referenced in the
information provided by TERC.
TERC limits the number of subscribers allowed in any one trading service in order to reduce the risk that too many
traders will attempt identical trades and influence the market by causing the purchase of an excessive number of
shares. Once the TERC subscriber limit is reached, TERC may create a 'clone' of the fully subscribed trading
service under the same strategies, guidelines and policies. However, subscribers to the newly created service
'clone' receive information concerning trades unique to that service. Collectively, these services make up a
Series. Any alert service name that contains the word 'Series' is subject to this policy. Due to the exclusive
nature of our subscription services, your subscription fee is non-refundable.
Our personnel may own positions and/or trade in the securities mentioned in the information that we provide. We are
not compensated in any way for publishing information about companies mentioned in our reports.
Testimonials may or may not be representative of actual results.
TERC is neither an attorney nor accountant, and no portion of the Web site content should be interpreted as
legal, accounting or tax advice. Furthermore, the individual investor is solely responsible for
determining whether any investment, security or strategy, or any other product or service, is appropriate or
suitable for him/her client based on the their investment objectives and personal and financial
situation. The investor should consult with an investment professional, or an attorney or tax professional
regarding their specific investment, legal or tax situation.
Opinions expressed on this site or in the articles accessible are subject to change without notice and, due to the
rapidly changing nature of the security markets, may quickly become outdated.
Each individual, as a condition precedent to his/her/its access to TERC's Web site, to release and hold
harmless TERC, its officers, directors, owners, employees and agents from any and all adverse consequences
resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of
personalized individual advice from a financial advisor.
•ACKNOWLEDGEMENT AND AGREEMENT
Notwithstanding any other agreement or other communications between TERC and a subscriber or potential subscriber
to the contrary, receiving or using any material provided by TERC or accessing or using TERCs website, at any time
and through any means, whether directly or indirectly, represents acknowledgement by such person of the foregoing
legal notices and disclaimers and agreement with their terms and conditions.
•PERFORMANCE FIGURES
Performance figures are based on actual recommendations made by TERC. Due to the time critical nature of stock,
options and futures trading, brokerage fees, and the activity of other subscribers, TERC cannot guarantee that
subscribers will mirror the exact performance stated on our track records or promotions. Performance numbers shown
are based on trades subscribers could enter based on our tracking guidelines. Past results are not necessarily
indicative of future performance. Therefore, no subscriber or potential subscriber should assume or expect that
future performance of any investment or strategy will be profitable or equal historical or anticipated performance
levels. The information contained in TERC trading services is intended for use solely by individual subscribers and
is not offered to institutional investment organizations.
•LIMITATION ON TERC LIABILITY
To the extent not prohibited by law, each subscriber and potential subscriber agrees, as a condition precedent to
accessing or using TERC's website or receiving information provided by TERC, to release and hold harmless SIR and
its directors, officers, shareholders, employees and agents from any and all liability in connection with accessing
or using TERC's website or receiving information provided by TERC. In all other cases, TERC's liability to a
subscriber, whether in contract, tort, negligence, or otherwise, shall be limited in the aggregate to direct and
actual damages of the subscriber, not to exceed the fees received by TERC from the subscriber. TERC will not be
liable for any consequential, incidental, punitive, special, exemplary or indirect damages resulting directly or
indirectly from the use of or reliance upon any material provided by TERC or derived from TERC's website. Without
limitation, TERC shall not be responsible or liable for any loss or damages related to, either directly or
indirectly, (1) any decline in market value or loss of any investment; (2) a subscriber's inability to use or any
delay in accessing TERC website or any other source of material provided by TERC; (3) any absence of material on
TERC website; (4) TERC's failure to deliver or delay in delivering any material or (5) any kind of error in
transmission of material. TERC and each subscriber acknowledge that, without limitation, the above-enumerated
conditions cannot be the probable result of any breach of any agreement between TERC and the
subscriber.
•DISCLAIMER OF WARRANTY
ANY AND ALL INFORMATION PROVIDED BY TERC OR DERIVED FROM TERC'S WEBSITE IS PROVIDED "AS IS" AND TERC MAKES NO
WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MTERCHANTABILITY OR
FITNESS FOR A PARTICULAR PURPOSE.
•BROKERS
TERC is not affiliated with any brokerage firm and does not endorse or recommend any specific brokerage firm. TERC
is not and will not be responsible for any trades made by a broker on the subscriber's behalf under any
circumstances.
•SUBMISSIONS
All submissions from outside contributors on TERC's website are the responsibility of their respective authors,
creators, and/or owners. TERC is not responsible for such submissions, and the views and opinions expressed are not
necessarily those of TERC. TERC does not guarantee the accuracy or validity of the submissions. While TERC may use
its best efforts to review contributor submissions for form and format before they are posted on its website, TERC
does not review or edit these submissions for content. TERC makes no representations and provides no warranties
whatsoever concerning submissions, and the fact that TERC has posted these outside contributions does not
constitute an endorsement, authorization, sponsorship, or affiliation by TERC with respect to the author, creator
and/or owner of the submissions. TERC expressly disclaims any responsibility and accepts no liability for any
information or content provided in these submissions. Please be advised that submissions may be protected by
federal and international copyright or other laws, and your right to reprint, republish, modify, reproduce, or
distribute this material may be limited accordingly.
•INTELLECTUAL PROPERTY
Except as otherwise indicated, TERC is the copyright owner of all text and graphics contained on this website.
Other parties' trademarks and service marks that may be referred to herein are the property of their respective
owners. You may print a copy of the information contained herein for your personal use only, but you may not
reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or
link to this website, without prior written permission of TERC. Permission to use and reproduce documents and
related graphics available from this website is granted, provided that: 1. the below copyright notice appears in
all copies and that both the copyright and this permission notice appear; 2. use and reproduction of documents and
related graphics available from this website is limited to personal, non-commercial use; 3. no documents or related
graphics, including logos, available from this website are modified in any way; and 4. no graphics, including
logos, available from this website are used separate from accompanying text. Use or reproduction for any other
purpose is expressly prohibited by law, and may result in civil and criminal penalties. Violators will be
prosecuted to the maximum extent possible.
•ACKNOWLEDGEMENT AND AGREEMENT
Notwithstanding any other agreement or other communications between TERC and Subscriber to the contrary, receipt or
use of any material provided by TERC, at any time and through any means, whether directly or indirectly, represents
acknowledgement by such person of this disclaimer and agreement with its terms and conditions.
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