THIS AGREEMENT WAS LAST UPDATED ON April 15, 2011.
PLEASE SCROLL DOWN AND READ THIS AGREEMENT IN ITS ENTIRETY BEFORE YOU USE ANY OF OUR PRODUCTS OR SERVICES OR BECOME A MEMBER OF WealthCycles.com.

This Terms of Use Agreement (the "Agreement" or "Terms of Use"), our Site Posting Terms of Use, our Refunds Policy, our Comment Policy, and our Privacy Policy, which are hereby incorporated by reference, govern your use of the WealthCycles.com site, products and services ("WealthCycles.com" or the "Service"). WealthCycles.com is a service of MikeMaloney.com LLC (“we” or “us”) and provides financial investment information and education. By accessing or using the products, services, website and software provided through or in connection with WealthCycles.com, you signify that you have read, understood, and agree to be bound by this Agreement, our Site Posting Terms of Use, our Refunds Policy, and our current Privacy Policy, whether or not you are a registered member. If you do not agree to any of these terms or any future Terms of Use, you may not use or access (or continue to access) the Service.

1. Changes to the Agreement. We may change the terms of this Agreement at any time. Notification of any changes or updates is located below the “Terms of Use” caption. You may access this document at any time by selecting the Terms of Use link located on the WealthCycles.com web site. Your use of WealthCycles.com after changes are made to this Agreement means that you agree to be bound by such changes. As our business changes constantly, this Agreement, our Privacy Policy, and other pertinent company policies may change also. You should check our web site frequently to see recent changes.

2. Legal Disclaimer. MikeMaloney.com LLC is a content provider and publisher and is not a registered broker-dealer or licensed financial advisor. By using the WealthCycles.com products and services, including, without limitation any and all content available on or through the Service, you understand and agree that the material provided in WealthCycles.com products and services is for informational, educational or entertainment purposes only, and that no mention of a particular security in any WealthCycles.com product or service 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. You further understand and agree that none of the information providers 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 WealthCycles.com product or service may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person.

You understand and agree that any WealthCycles.com product or service may contain opinions from time to time with regard to securities mentioned in other WealthCycles.com products or services, and that those opinions may be different from those contained in another WealthCycles.com product or service. You understand and agree that, from time-to-time, any or all of the information providers or their affiliates may hold positions in securities mentioned in other WealthCycles.com products or services and that they may trade of their own account. In cases where the position is held at the time of publication, appropriate disclosure is made as of the time of publication.

You understand and agree that performance data is supplied by sources believed to be reliable, that the calculations in any WealthCycles.com publication or service are made using such data, and that such data is not guaranteed by these sources, the information providers, or any other person or entity, and may not be accurate or complete.

BEFORE SELLING OR BUYING ANY INVESTMENT YOU SHOULD CONSULT WITH A PROFESSIONAL BROKER OR OTHER FINANCIAL PROFESSIONAL TO VERIFY PRICING INFORMATION AND TO SOLICIT ADVICE AS TO THE APPROPRIATENESS OF A GIVEN TRANSACTION OR INVESTMENT.

3. Registration. In order to access certain features of the Service, you will have to become a member of WealthCycles.com by subscribing and creating a WealthCycles.com account. When you create your account, you must provide accurate and complete information, and keep that information up to date. You are solely responsible for maintaining the confidentiality of your user name and password and for any and all activities (including purchases) that are conducted through your account. Further, you are responsible for any fees or charges incurred to your account by accessing WealthCycles.com through an Internet access provider or other third party service. You may never use another user's account without permission.

By providing WealthCycles.com your email address you consent to our using the email address to send you Service-related notices, including any notice required by law, in lieu of written communication by postal mail. We may use your email address to send you other messages, including changes to WealthCycles.com features and special offers. You may also unsubscribe to certain email communications at any time.

4. Privacy. Registration data and other information about you are subject to our Privacy Policy. If you are located outside of the United States, note that information that you provide to us is being sent to the United States. By subscribing to WealthCycles.com, you consent to your data being sent to the United States. If you believe someone has accessed WealthCycles.com using your user name and password without your authorization, you must immediately notify us via email. You may contact us via the "Contact" page located on WealthCycles.com.

5. Fees and Payments. If you choose to go beyond the Free Registration option and subscribe for one of our products or services that require payment, you agree to pay the subscription fees and any other charges incurred in connection with your user name and password for WealthCycles.com (including any applicable taxes) at the rates in effect when the charges were incurred. All charges will be billed automatically to your credit card.  All charges, including annual and monthly fees are nonrefundable.    Subscription fees will be billed at the beginning of your subscription or any renewal. WealthCycles.com will automatically bill you according to your subscription choice upon completion of the subscription form. WealthCycles.com reserves the right to change the fees and charges in effect, or add new fees or charges.  A ten (10) day notice will be provided should this occur.

6. Renewal and Cancellation. Your subscription will renew automatically, unless you choose to discontinue the renewal process. You will continue your subscription until the end of the current period for which the subscription was purchased. As previously stated, fees cannot be refunded or prorated.

7. Code of Conduct. While using any WealthCycles.com product or service, you agree not to: (1) Restrict or inhibit any other visitor or member from using any WealthCycles.com product or service, including, without limitation, by means of "hacking" or "cracking" or defacing any portion of the WealthCycles.com web site; (2) Use any WealthCycles.com product or service for any unlawful purpose; (3) Express or imply that any statements you make are endorsed by us, without our prior written consent; (4) Transmit (a) any content or information that violates any law or regulation or is 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); (5) Engage in spamming; (6) Transmit any software or other materials that contain any virus, worm, time bomb, Trojan horse, or other harmful or disruptive component; (7) Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of any of the WealthCycles.com web site; (8) Remove any copyright, trademark, or other proprietary rights notices contained in the WealthCycles.com web site; (9) "Frame" or "mirror" any part of the WealthCycles.com web site without our prior written authorization; (10) 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 any WealthCycles.com product or service or its contents; (11) Harvest or collect information about visitors to or members of WealthCycles.com without their express consent; (12) or Permit anyone without an account or subscription to use any WealthCycles.com product or service through your subscription, user name or password. While using WealthCycles.com products or services you agree to comply with all applicable laws, rules and regulations.

8. Limitations on Use. (a.) Access to the subscriber areas of WealthCycles.com is solely limited to the registered subscriber and is non-transferable to any third party. Only one individual may access WealthCycles.com at the same time using the same user name or password, unless otherwise expressly permitted in writing by WealthCycles.com. (b.) The content available through WealthCycles.com, including, without limitation, software, images, text, graphics, illustrations, logos, patents, trademarks, service marks, copyrights, photographs, audio, videos and music (the "Content"), and all intellectual property rights related thereto, is our property or the property of WealthCycles.com, LLC or our licensors and is protected by copyright and other intellectual property laws. You may display or print the Content for your personal, non-commercial use only. Subject to the terms and conditions of this Agreement, you are hereby granted a non-exclusive, limited, personal license to use the Service. WealthCycles.com reserves all rights in the Service and its Content not expressly granted herein. WealthCycles.com may terminate this license at any time for any reason or no reason. The right to publish written content on the website is not a part of paid subscription benefits, and publication of material created by users is always at the sole discretion of WealthCycles.com, LLC.

You agree not to sell, publish, license, rent, modify, distribute, copy, reproduce, transmit, retransmit, publicly display, publicly perform, adapt, edit, create derivative works from, or otherwise provide access to the Content to anyone, including, but not limited to your fellow employees, friends or family, with the following two exceptions:

(i) You may distribute up to two (2) copies of an article or a portion of an article from WealthCycles.com in non-electronic form without charge, provided you include all copyright and other proprietary rights notices in the same form in which the notices appear in WealthCycles.com, original source attribution, and the phrase "Used with permission from WealthCycles.com" or "Used with permission from WealthCycles.com, LLC." Please contact us if you need to distribute content from WealthCycles.com to more than two (2) individuals on a regular basis or in any other manner not expressly permitted by this Agreement. You may contact us via the "Contact" page on WealthCycles.com.
(ii) You may use our "E-mail To A Friend" service, as it is available, to e-mail an article from WealthCycles.com to two (2) individuals, without charge.

(c.) You agree not to create abstracts from, scrape, frame, or display headlines from our Content for use on another web site or service. Without limiting the generality of this Section 8, you agree not to post any Content from WealthCycles.com to newsgroups, mail lists or electronic bulletin boards, without our written consent. (d.) You agree not to use WealthCycles.com for any unlawful purpose. We reserve the right to terminate or restrict your access to WealthCycles.com at any time and without notice if, in our opinion, your use of WealthCycles.com may violate any laws, infringe upon another person's rights or violate the terms of this Agreement. Also, we may refuse to grant you a user name that impersonates someone else, is protected by trademark or other proprietary right law, or is vulgar or otherwise offensive.

9. Links to Other Websites. Our products and services may contain links to other Internet web sites or resources. WealthCycles.com neither controls nor endorses such other web sites, nor will it review or approve any content that appears on such other web sites. If you choose to follow a link to another web site, the terms of service and privacy policy of that web site, not of WealthCycles.com, apply. You acknowledge and agree that WealthCycles.com 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.

10. Disclaimers of Warranties and Limitations on Liability. You agree that your access to and use of WealthCycles.com and the content available through WealthCycles.com is on an "as-is", "as available" basis. WealthCycles.com, LLC and its subsidiaries, affiliates, shareholders, directors, officers, employees, agents, information providers and contributors and licensors (the “WealthCycles.com parties") specifically disclaim any representation or warranty, express or implied, including, without limitation, any representation or warranty of merchantability, non-infringement or fitness for a particular purpose. Without limiting the foregoing, the WealthCycles.com parties do not warrant: that the content is accurate, reliable or correct; that the service will meet your requirements; that the service will be available at any particular time or location, uninterrupted or secure; that any defects or errors will be corrected; or that the service is free of viruses or other harmful components. Your use of WealthCycles.com products or services, the materials on our web site and any materials provided through our web site are entirely at your own risk. you acknowledge that the WealthCycles.com parties will not be liable (jointly or severally) to you or any other person as a result of your access or use of WealthCycles.com for indirect, consequential, special, incidental, punitive, or exemplary damages, including, without limitation, lost profits, lost savings and lost revenues (collectively, the "excluded damages"), whether or not characterized in negligence, tort, contract, or other theory of liability, even if any of the WealthCycles.com parties have been advised of the possibility of or could have foreseen any of the excluded damages, and irrespective of any failure of an essential purpose of a limited remedy. You agree that the maximum liability the WealthCycles.com parties for all damages, losses, and causes of action under this agreement shall be the total amount paid by you, if any, for access to any WealthCycles.com products or services. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

The Service is controlled from its facilities in the United States. WealthCycles.com makes no representations that the Service is appropriate or available for use in other locations. Those who access or use the Service from other jurisdictions do so at their own volition and are responsible for compliance with local law.

11. General. This Agreement contains the final and entire agreement between you and MikeMaloney.com LLC regarding your use of WealthCycles.com and supersedes all previous and contemporaneous verbal or written negotiations, understandings, or agreements regarding your use of WealthCycles.com. MikeMaloney.com LLC may discontinue or change WealthCycles.com or its availability to you, at any time. This Agreement is personal to you, which means that you may not assign your rights or obligations under this Agreement to anyone. No third party is a beneficiary of this Agreement. You agree that this Agreement, as well as any and all claims arising from this Agreement will be governed by and construed in accordance with the laws of the State of California, United States of America applicable to contracts made entirely within California and wholly performed in California, without regard to any conflict or choice of law principles. The sole jurisdiction and venue for any litigation arising out of this Agreement will be an appropriate federal or state court located in California. This Agreement will not be governed by the United Nations Convention on Contracts for the International Sale of Goods. If any provision of this Agreement is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision.

12. Indemnification. You agree to indemnify, defend and hold the WealthCycles.com Parties 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 our web 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 Service or any WealthCycles.com products or services.

The information, opinions, and financial data presented are for educational purposes only and are not intended as investment advice. No guarantees are made as to the accuracy of the information provided herein. Situations can change from day to day. Every investor should do their own due-diligence to determine which investments are best for them.

You must assume the responsibility and liability for all decisions that you make on the basis of the information herein contained. WealthCycles.com makes no warranties, expressed or implied, as to the fitness and accuracy of the information provided or for the results obtained by using the information. Those making investment decisions based on any of the information presented should do so in the knowledge that they could experience significant losses. In no event shall WealthCycles.com be liable for direct, indirect, or incidental damages resulting from the use of the information.

13. Refund Policy. WealthCycles refund policy can be found by clicking here or visiting the following URL web address: http://wealthcycles.com/wealthcycles-refund-policy-for-subscribers