When you subscribe to any of the services offered by LivingOffTheMarket.com Inc (also known as LOTM), you agree to the subscriber’s Terms of Use as outlined below.

1. Term: This agreement starts with the commencement of your subscription to the Service you specified on the subscriber agreement on the date on which you register or subscribe to that Service, for the period you chose during the registration (subscription) process.
2. License: In consideration of your subscription fee, LOTM grants to you a limited, non-exclusive, non-transferable license to use the content (the “Content”) contained in the Service in accordance with the terms and conditions set forth in this Agreement.
3. Limitations of Use: You may not copy, redistribute, disclose, furnish or sell any of the content of the Service to any third party. Intellectual Property: You acknowledge that all proprietary rights in the Content of the Service are and shall remain the property of LOTM and that you have no right or interest in the content other than the right to use it in accordance with the terms and conditions contained in the Agreement for your own personal use.
4. Renewal: If you chose the “Auto-Monthly renewal option”, following the initial subscription term, this Agreement and your subscription will automatically renew for a Term of one month. At the beginning of each renewal Term, the then-current monthly fee for your subscription will be automatically billed to the credit card you designated during the registration process (or updated later) unless you cancel prior to the expiration of your then-current term. Your subscription will end at the completion of the most recent period paid. If you are a new subscriber, you will be given a 30 day guarantee period; if you wish to cancel your subscription within the first 30 days, you may receive a refund. There will be no refunds for any other reason at any other time.

You may cancel at any time by sending an e-mail to  and entering “unsubscribe” in the subject box. You will receive a confirmation of “unsubscribing” as confirmation. If you do not receive a “unsubscribe confirmation” you should assume we did not receive your original “unsubscribe” e-mail. Please repeat the process or you may call us at 651-228-9164 to unsubscribe. You agree to pay all fees and charges incurred in connection with your account (including any applicable taxes) at the rates in effect when the charges occur. You have 60 days from the date to notify us of any discrepancies in your credit card statement in relation to your subscription; after that time, all charges will deemed to be correct. You agree to pay all amounts due upon our demand in accordance with you subscription.

Payment and Cancellation: If your subscription is on an “auto-renewal” option, you may cancel at any time, as provided in item 4 above. A regular subscription may only be canceled if the unused portion of the subscription is to another service offered by LOTM. No refunds are given for any reason

Compliance with applicable Law: You will comply with all applicable laws and regulations relating to use of the Service including federal copyright laws.

1. Limitations of Liability: LOTM is a publisher of investment and economic related publications. It is not registered with any state securities authority or the U.S. Securities and Exchange Commission as it does not provide any “personalized” investment advice. The service is intended as a guide and an educational vehicle. The Service is not an offer to sell any securities, mutual funds, or investments of any type. You should not rely solely upon the content of the Service for your investments, but should always do your own research and due diligence on any investment you engage in. The opinions expressed in the Service are those of the author. LOTM does not guarantee any level of investment profits should the analysis be followed by you, nor the accuracy, completeness, or suitability of the investments discussed. Investments in securities have inherent risk, and you assume all risk associated with the investment process.

LOTM will not be liable for any monetary loss resulting directly or indirectly from use of the Service. LOTM makes no warranty of any kind, express or implied, including, without limitation, any warranties of fitness for a particular purpose.

1. Indemnity: You shall indemnify LOTM from and against all claims, costs, demands, expenses and liabilities, including reasonable attorney’s fees, resulting from your breach of this Agreement.
2. Severability: If any part of this Agreement is held invalid, illegal or unenforceable, the remaining provisions will be unimpaired.

The comments made in the newsletter and on LivingOffTheMarket.com, are written by Tom Linzmeier. No money has ever been received by Tom Linzmeier or LivingOffTheMarket.com, Inc for any reason, at any time, from any company or any person or affiliate of the companies in the newsletter.

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