Terms and Conditions

USER AGREEMENT. This Agreement sets out the terms and conditions relating to the online content provided free of charge and content subject to payment (“Free and Paid-for Content”) that mikehavRx.com Publishing, LLC (“the Siteowner”) will provide to you (“the User”).

By accessing www.mikehavRx.com (“the Site”) the User is agreeing to the terms and conditions below. If the User uses the Site in the course of business the User is also agreeing to these terms and conditions on behalf of that business. If the User does not agree with the terms and conditions (or the User is not authorized to do so) the User should not use the Site.

This website contains information and opinions based on data obtained from reliable sources that are current as of the publication date and does not consitute a recommendation that any of the securities or stock indexes mentioned therein are appropriate for any specific individual circumstances and does not guarantee that future results or performance will match those predicted to occur. Every effort is made to ensure the accuracy and completeness of information published by mikehavRx.com Publishing, LLC, but no guarantees are made in this regard as the information has not been reviewed or certified by an independent auditor and may include the projections and opinions of mikehavRx.com Publications, LLC and the respective author(s).

mikehavRx.com Publishing, LLC is not a chartered financial analyst (CFA), registered investment advisor (RIA), or broker dealer and does not provide individual investment advice. The information provided on this website or in related publications is for informational purposes only and should not be viewed as an offer to buy or sell or a solicitation of an offer to buy or sell any financial instruments or to participate in a specific trading strategy in any jurisdiction. The information appearing on this website and in related publications has not been endorsed by any of the companies mentioned or any other government agencies or other third-parties.

Many of the companies featured on this website or in related publications are development-stage and entail a high degree of risk for investors and traders. Readers are encouraged to invest carefully, conduct their own due diligence, make prudent investment decisions based on their individual circumstances, and review information for investors provided by the U.S. Securities and Exchange Commission (SEC.gov) and the Financial Industry Regulatory Authority (FINRA.org).

Information on this website and in related publications by mikehavRx.com Publishing, LLC will contain "forward looking statements" as defined under Section 27A of the Securities Act of 1933 and Section 21B of the Securities Exchnage Act of 1934. Users are cautioned not to place undue reliance upon these forward looking statements, which are subject to a number of known and unknown risks and uncertainties that may cause actual operations or results to differ materially from those anticipated or expected to occur. Such factors include, but are not limited to, those which are outlined in each profiled Company's most recent reports or regulatory filings with the SEC that should be considered carefully prior to making any investments in such companies.

The estimated dates, stock index components, and related information provided by mikehavRx.com Publishing, LLC is intended for informational purposes only and should not be considered specific trading or investing advice. Any individual who chooses to invest in any type of securities should do so with caution since security investing is inherently speculative and includes the risk of losses. Readers are encouraged to consult with a RIA or licensed stock broker prior to making such investments.

mikehavRx.com Index Updates is a premium service that includes an upfront, non-refundable fee for access to the service for the specified period. Because this is an information-based service that consists of proprietary stock indexes and related information and subscribers have access to this content upon confirmed payment; the upfront payment is non-refundable. All subscribers understand and agree that the estimated dates appearing in the Regulatory Catalyst Index updates related to pending FDA decisions, clinical trials, and related binary events are obtained through reliable public sources such as company press releases, SEC filings, and the FDA; but are not endorsed or affiliated with any of these companies, government agencies or other third parties.

mikehavRx.com Publishing, LLC shall not be held liable for any losses that may occur as a result of the estimated dates included in this service or on this website. The estimated dates, stock index components, and related information are provided for informational purposes only and should not be considered specific trading or investment advice or recommendations. Any individual who chooses to invest in these securities does so with full knowledge of the speculative nature and high degree of risk involved.

Services and Fees. The Siteowner shall provide Free and Paid-for Content. This includes premium subscription service for mikehavRx.com Index Updates. The Siteowner reserves the right to vary the Free and Paid-for Content and does not guarantee that the content provided free of charge (“Free Content”) will remain free of charge and does not guarantee that the content provided subject to payment (“Paid-for Content”) will remain a paid-for service.

The User shall agree to pay any subscription fees (“Fees”) at rates in effect when the charges are incurred. The User must provide the Siteowner with complete and accurate payment information. By submitting credit or debit card details to the Siteowner through PayPal, the User warrants that they are entitled to purchase the Paid-for Content using those payment details. In the event of an unauthorized payment the Siteowner reserves the right to suspend or terminate the User’s access to the Site and Paid-for Content.

If no payment authorization is received or payment authorization is subsequently cancelled, the Siteowner may immediately terminate or suspend access to any Paid-for Content and/or the Site. The Siteowner will try to process the User’s request for any Paid-for Content promptly but does not guarantee that the Paid-for Content will be available to the User by any specified time. A contract with the User for a Paid-for Content will come into effect when the Username and Password are issued to the User. The User having paid the Fee for a subscription for the supply of Paid-for Content for a defined period the User will have no right of cancellation for the supply of the Paid-for Content other than the right to cancel the subscription for Paid-for Content. This does not affect the User’s statutory rights.

Registration, Passwords and Privacy. The use of the Site signifies the User’s consent to the Siteowner collecting and using personal information about the User in accordance with the Siteowner’s Privacy Policy. The User does not have to register to use the Site in order to access it and enjoy the content other than the Paid-for Content. If the User wishes to access the Paid-for Content the User will be asked to provide the Siteowner with accurate, complete registration information, including contact details, and it is the User’s responsibility to update and maintain this information. The Siteowner is entitled to rely on this information to provide Paid-for Content.

The User will also be requested to create a Password in a format specified by the Siteowner (“the Password”). The User shall not disclose the Password to any other person or entity and shall ensure that the Password remains confidential at all times. In the event that the User knows or has a reasonable suspicion that a third party knows the User’s Password, the User shall notify the Siteowner immediately by contacting the Siteowner. If the Siteowner has reasonable grounds for believing that the User has misused or is misusing the Password, the Siteowner may require the User to change the Password or may suspend the User’s use of the access to the Site, including Paid-for Content, until such time as the Siteowner is satisfied that the security of the Site is no longer compromised by the User’s activities.

Limitations on Use of the Site. All content and services provided by the Siteowner belongs to the Siteowner [or is licensed to the Siteowner by licensors including SubHub Limited]. The Siteowner [or its licensors, including SubHub Limited] own all the intellectual property rights in the content and services. The content and services provided are solely for the personal use of the User and the User shall not sub-license, distribute, sell, supply, modify, adapt, amend, incorporate, merge, or otherwise alter any content or service provided under this Agreement. The User shall not remove or replicate any logo, copyright or proprietary notices, legends, symbols, labels, watermarks, signatures or any other like marks affixed to or embedded in the content or services.

The User shall not carry out any act or omission or permit any act or omission to take place that infringes or is likely to infringe any intellectual property rights owned or used by the Siteowner or its licensors including SubHub Limited or otherwise relating to the Site. Limitation of Liability and Indemnity The User expressly agrees that the use of, and browsing of the Site is at the User’s own risk. Neither the Siteowner nor any other party involved in creating, producing or delivering the Site, including SubHub Limited, is liable for any direct, incidental, special, consequential, indirect or punitive damages arising out of the User’s access to, or use of, or inability to use the Site or any linked site or for the cost of procurement of substitute goods or services or resulting from any goods or services purchased or obtained or messages received or transactions entered into through the Site or resulting from any unauthorised access to or alteration of your transmissions or data, including but not limited to, damages for loss of profits, use, data or other intangible property including legal costs and expenses, even if the Siteowner has been advised of the possibility of such damages.

The User expressly agrees that the downloading of any material form the Site is at the User’s own risk. Neither the Siteowner nor any other party involved in creating, producing or delivering the Site, including SubHub Limited, is liable for any direct, incidental, special, consequential, indirect or punitive damages resulting from the User downloading material from the Site or any linked site, including but not limited to, damages for loss of profits, use, data or other intangible property including legal costs and expenses, even if the Siteowner has been advised of the possibility of such damages.

Without limiting the foregoing, everything on the Site is provided to the User “as is” and “as available” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of satisfactory quality, fitness for a particular purpose or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to every User. The User must check their local laws for any restrictions or limitations regarding the exclusion of implied warranties. While the Siteowner will use reasonable efforts to include accurate and up to date information on the Site, the Siteowner makes no warranties or representations as to its accuracy or completeness. The Siteowner is not responsible for any errors or omissions or for the results obtained from the use of such information. The information is provided with the understanding that the information does not constitute any form of advice, recommendation or arrangement by the Siteowner or its affiliates or any other party involved in the Site and is not intended to be relied upon by Users in making (or refraining from making) any decisions based on such information.

The User must make their own decisions on whether or not to rely on any information posted on the Site. The Siteowner reserves the right to modify information displayed on this Site but it does not make any commitment to update the information displayed on this Site. No party [other than the Siteowner] who is involved in the workings of the Site, including SubHub Limited, will at any time be liable or responsible in any way for the content, including Paid-for Content, and information provided on or via the Site and for the User’s use of the Site. From time to time the Siteowner will make available to the User links from the site to third party sites. These sites are not in any way approved, checked, edited, vetted or endorsed by the Siteowner and the User agrees that the Siteowner shall not be responsible or liable in any way for the content, advertising or products available from such sites, the quality, functionality, suitability or legality of such sites or for any dealings that the User may have, or the consequences of such dealings, with such third party site operators. Any arrangements made between the User and any third party named on the Siteowner’s Site are at the User’s sole risk and responsibility and the Siteowner expressly disclaims any liability for third party information or opinions posted on this Site or any linked Sites that arises under criminal or civil laws relating to defamation, intellectual property, infringement, privacy, obscenity, or any other area of law.

Indemnity. The User agrees to indemnify, keep indemnified, defend and hold the Siteowner and its parent companies, subsidiaries, affiliates and their respective officers, directors, employees, owners, agents, information providers and licensors, including SubHub Limited, (collectively the “Indemnified Parties”) harmless from and against any and all claims, damages, liability, losses, costs and expenses (including legal fees) (whether or not foreseeable or avoidable) incurred or suffered by any Indemnified Party and any claims or legal proceedings which are brought or threatened arising from the User’s use of, connection with or conduct on the Site or any breach by the User of these terms. The Siteowner or SubHub Limited reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by the User, and in such case, the User agrees to co-operate with the defence of such claim. Consequences of Breach of these Terms.

In the event that the Siteowner or SubHub Limited considers or determines, in their complete discretion, that the User has breached, violated or contravened the Agreement or has otherwise demonstrated inappropriate conduct in the use of the Site or the content or services they reserve the absolute right to: (a) warn the User that they have violated the Agreement and ask the User to discontinue such conduct; (b) discontinue the User’s membership of the site and/or any other related services, including Paid-for Content; and (c) take measures (including terminating, suspending or restricting the User’s use of the Site) to prevent the User from using the Site or linking to the Site.

Third Parties. The provisions of the Contracts (Rights of Third Parties) Act 1999 shall not apply to this Agreement, except in relation to the rights of SubHub Limited. Proper Law and Jurisdiction This Agreement and all matters arising from it shall be governed by and construed according to the laws of England and Wales and shall be subject to the [exclusive] jurisdiction of the courts of England and Wales.

Entire Agreement. This Agreement supersedes all prior agreements, arrangements and undertakings and constitutes the entire agreement relating to the subject matter of this Agreement. The User confirms that they have not entered into this Agreement on the basis of any representation that is not expressly incorporated into this Agreement.

The content appearing in forums, emails, and other messages may include subscribers engaging in discussion and sharing investment ideas. mikehavRx.com Publishing, LLC is not an investment advisor and is not licensed to provide investing advice or recommendations. The opinions discussed in this forum, emails, or on the website represent the opinions of their respective author and are not to be viewed under any circumstances as an investment recommendation. Members are encouraged to always consider, risk, liquidity, and potential tax implications before committing to any investment decision and seek the advice of a licensed financial professional if deemed necessary.

mikehavRx.com Publishing, LLC may provide information about the investment holdings, investing / trading strategies, and or specific stock trades of our members. Such information is not meant to constitute an investing or trading recommendation and the opt-in, voluntary reporting of such information is the sole responsibility of the respective author for its accuracy and completeness and is not reviewed or audited by mikehavRx.com Publishing, LLC. Members are encouraged to conduct their own due diligence prior to making all investment decisions and not rely solely on the opinions or actions of other members, articles, or other content published on this website or in related emails or publications.

mikehavRx.com Publishing, LLC and its authors cannot and do not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. The reader bears responsibility for his/her own investment research and decisions, should seek the advice of a qualified securities professional before making any investment, and investigate and fully understand any and all risks before investing.

mikehavRx.com Publishing, LLC and its authors in no way warrants the solvency, financial condition, or investment advisability of any of the securities mentioned in his communications or websites, and accepts no liability whatsoever for any direct or consequential loss arising from any use of his information and his positions in any investments may change at any time. This information is not intended to be used as the sole basis of any investment decision, nor should it be construed as advice designed to meet the investment needs of any particular investor.