Suze Orman, Financial Guru
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Terms of Use

Welcome to Suzeorman.com. This website is provided for informational purposes only. Please feel free to browse the website and its various features, but be aware that your use of the website is subject to the following terms and conditions (“Terms of Use”). If you do not agree with these Terms of Use, please do not use this website. Your use of this website constitutes your agreement to be bound by, and to act in accordance with, these Terms of Use.
 

This website belongs to Suze Orman Media, Inc. (“Suzeorman.com”, “Website”, “we”, “us” or “our”). Accordingly, we may, in our sole discretion and at any time, update, change or discontinue this website or any specific portion of its website (including these Terms of Use) without notice. As such, please visit this area each time you visit the website to keep up to date with the current terms regarding your use of the website. Your use of the website reaffirms your continuing agreement to the then current Terms of Use.
 

THIS AGREEMENT PROVIDES FOR THE MANDATORY ARBITRATION OF DISPUTES, AND INCLUDES A WAIVER OF THE RIGHT TO A JURY TRIAL AND A CLASS ACTION WAIVER, AS SET FORTH BELOW.
 

Suzeorman.com owns the copyright for all the material on the website or has the right to use same on the website. Suzeorman.com also owns or has the right to use all trademarks, service marks, and trade names used on this website. No part of this website may be copied, reproduced, republished, uploaded, posted, transmitted, or disturbed in any way, except that you may download one copy of the materials on any single computer for your personal, non-commercial home use only, provided you keep intact all copyright, trademark and other proprietary notices on the materials. Any modifications of the materials or use of the materials for any other purpose is a violation of Suzeorman.com’s copyright and other proprietary rights. The use of such material on any other website or computer network without Suzeorman.com’s written consent is strictly prohibited. Your use of the trademarks, service marks and trade names on this website in any manner other than as authorized in this Terms of Use, or as otherwise authorized in writing by us, is strictly prohibited.
 

Generally, this Website is not intended to provide any tax, legal, financial planning, insurance, accounting, investment, or any other kind of professional advice or services, and nothing on the Suzeorman.com website should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security, insurance policy, or investment strategy. To make sure that any information or suggestions on this site fit your particular circumstances, you should consult with an appropriate tax or legal professional before taking action based on any suggestions or information on this site. Unless otherwise specified, you alone are solely responsible for determining whether any financial or insurance strategy, product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation.
 

Without limiting the foregoing, no product or service offered or set forth on this Website, nor any analysis, commentary, or otherwise (whether oral or written), provided in conjunction with the foregoing shall be deemed to constitute: (1) investment advice under applicable state or federal law, including, but not limited to, the Investment Advisers Act or 1940; or (2) any sort of transaction in securities for the account of others, including, but not limited to, any solicitation, negotiation or execution of the transaction. Neither we nor any of our representatives, sublicensees, or assigns shall be responsible for any investment decisions or third party damages or losses resulting from the use of such product(s) or service(s) or any information provided in conjunction with same. You also understand and agree that we are not (1) an “investment adviser” as such term is defined in the federal Investment Advisers Act of 1940, or (2) a “broker”, or (3) a “dealer”, as such terms are defined under the federal Securities Exchange Act of 1934. We do not hold ourselves out in any communications as an investment adviser, a broker, or a dealer.
 

All comments, suggestions, graphics, ideas (including products and advertising ideas), and other information and materials you submit to Suzeorman.com though this website will become and remain the exclusive property of Suzeorman.com, including any future rights associated with such submissions, even if these Terms of Use are later modified or terminated. Accordingly, you disclaim any proprietary rights in such submissions, and you acknowledge Suzeorman.com’s unrestricted right to use them (or materials or ideas similar to them) in any medium, now or in the future, without notice, compensation or other obligation to you or any other person. Moreover, Suzeorman.com has no obligation to keep your submission confidential.
 

If you have a dispute with Suzeorman.com, and you are unable to resolve the dispute informally, you and Suzeorman.com agree that upon demand by either you or Suzeorman.com, the dispute will be resolved through binding arbitration. As the sole exception to arbitration, you and Suzeorman.com each retain the right to pursue in small claims court any dispute that is within that court’s jurisdiction. A “dispute” is any unresolved disagreement between you and Suzeorman.com, regardless of when the claim arose, and includes claims based on contracts, torts, statutes, regulations, common law, and equitable claims. All statutes of limitation applicable to any dispute shall apply in any arbitration between you and Suzeorman.com.
 

You and Suzeorman.com agree that you are each waiving the right to a jury trial or a trial before a judge in a court. You and Suzeorman.com agree that each may bring claims against the other only in an individual capacity, and that neither you nor Suzeorman.com shall be entitled to join or consolidate claims by or against others in any arbitration, or to include in any arbitration any dispute as a representative or member of a class, or on behalf of the general public, or as a private attorney general. If this limitation is found to be unenforceable, it shall not be severable, and this entire arbitration provision shall be unenforceable. You and Suzeorman.com agree that the arbitrator may award injunctive relief only in favor of the party seeking relief, and only to the extent necessary to provide relief warranted by that party’s individual claim. In the event of any inconsistency between this arbitration provision and any provision contained in any other applicable terms of use, license agreement, disclaimer, or privacy policy relating to Suzeorman.com or the material on the website, this arbitration provision shall be controlling.
 

Each arbitration, including the selection of the arbitrator, will be administered by the American Arbitration Association (the “AAA”) according to its Commercial Arbitration Rules and the Supplementary Procedure for Consumer-Related Disputes (together, the “AAA Rules”). The AAA Rules are available online at www.adr.org, or by calling the AAA at 1-800-778-7979. In the event of any inconsistency between the AAA Rules and this arbitration provision, this arbitration provision shall be controlling. Either party may demand arbitration of a dispute at any time, regardless of whether a lawsuit or other proceeding has previously been commenced. Either party may demand arbitration by completing the form for Consumer-Related Disputes provided for that purpose, and following the instructions on the form. The form is available on the AAA’s website, www.adr.org, or by calling AAA Case Filing Services at 1-877-495-4185. You should attach a copy of this arbitration provision, which will remain available online. If you demand arbitration, you must send a copy of the form or other demand, by U.S. Certified Mail, addressed to: Suze Orman Media, P.O. Box 4084, Santa Monica, California 90411-4084. If Suzeorman.com demands arbitration, you will be sent a copy of the form or other demand, by U.S. Certified Mail, at the most current postal address that Suzeorman.com has for you in its records. If your claim is for less than $10,000, Suzeorman.com will pay all of the AAA’s administrative fees and the arbitrator’s fees, including the initial filing fee. If your claim is for more than $10,000, and applicable law limits the amount of arbitration fees payable by you, Suzeorman.com will pay all of the AAA’s administrative fees and the arbitrator’s fees in excess of this limitation. Except as otherwise provided by applicable law, each party will remain solely responsible for their own attorneys’ fees and expenses incurred in connection with the arbitration.
 

You and Suzeorman.com agree that: (1) the parties are participating in transactions affecting interstate commerce; (2) this arbitration provision and any resulting arbitration are governed by the Federal Arbitration Act (Title 9 of the United States Code); (3) the arbitrator shall decide any dispute regarding the interpretation, application, or enforceability of this arbitration provision; (4) neither party will disclose, to any third party, any information obtained from the other party in the arbitration proceeding, except as required by applicable law; and (5) neither party will be entitled to rely on any arbitration award, finding of fact, or conclusion of law issued in any other arbitration proceeding involving only one of the parties. This arbitration provision shall survive the termination of any other contract between you and Suzeorman.com.
 

Suzeorman.com controls and operates this website from within the United States of America. Unless otherwise specified on or within this Website, this Website is intended to promote only those Suzeorman.com products that are sold by Suzeorman.com in the United States and its territories, and Suzeorman.com makes no representation that materials in this website or the conduct described thereby are appropriate or available for use in other locations. All visitors to this website are responsible for compliance with all local laws applicable to them with respect to the content and operation of this Website.
 

For your convenience and enjoyment, this Website may provide links to other websites that are not operated by Suzeorman.com. These links do not necessarily mean that Suzeorman.com endorses, approves, or sponsors any information available at the linked site or any products that may be sold there, nor is Suzeorman.com liable for any damage that might result from your use of such information or products. User activity on those sites is covered by the terms of use and privacy policies on those sites.
 

The material in this website (including any graphics, recommendations or other material) or any materials made available through this website are provided “as is” and without warranties of any kind, express or implied. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, SUZEORMAN.COM HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. SUZEORMAN.COM DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. The materials in this website could include technical inaccuracies or typographical errors. This material could be inaccurate or become inaccurate as a result of certain developments occurring after the respective dates of the material contained in this website. Suzeorman.com undertakes no obligation to verify or maintain the currency of such information.
 

Suzeorman.com endeavors to maintain this website and its operation, but is not, and cannot be, responsible for any defect that may exist in the website or its operations. AS TO THE OPERATION OF THE WEBSITE, SUZEORMAN.COM HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. SUZEORMAN.COM MAKES NO WARRANTY THAT (I) THE OPERATION OF THE WEBSITE WILL MEET THE USER'S REQUIREMENTS; (II) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS, OR FREE OF DEFECT AND ERRORS; (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE WILL BE ACCURATE OR RELIABLE; OR (IV) DEFECTS WILL BE CORRECTED. You (and not Suzeorman.com) assume the entire cost of all services, repairs, or corrections that may be necessary for your computer equipment and software as a result of viruses, errors or any other problems whatsoever you may have as a result of visiting this website.
 

UNDER NO CIRCUMSTANCE SHALL SUZEORMAN.COM BE LIABLE FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR OTHER DAMAGES, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE WEBSITE OR ANY MATERIAL IN THIS WEBSITE, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE WEBSITE OR INFORMATION AVAILABLE IN THE WEBSITE. SUZEORMAN.COM SHALL NOT BE LIABLE EVEN IF SUZEORMAN.COM OR A SUZEORMAN.COM AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. These include but are not limited to damage or injury caused by error, omission, interruption, defect, failure of performance, delay in operation or transmission, line failure or computer virus, worm, Trojan horse or other harmful component.
 

Applicable law may not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations or exclusions may not apply to you. However, IN NO EVENT SHALL SUZEORMAN.COM’S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR IN TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SITE.
 

Suzeorman.com may from time to time monitor or review discussions, chats, postings, and other transmissions on this website. However, Suzeorman.com is under no obligation to do so and assumes no responsibility or liability arising from the content of any such transmission or for any error, defamation, libel, slander, omission, falsehood, pornography, profanity, danger, illegality or inaccuracy contained in any information transmitted to any such locations on this website. You may not post or transmit any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane materials or any other materials that could be considered or encourage conduct that would be considered a criminal offense, give rise to civil liability or otherwise violate any other laws. Suzeorman.com will fully cooperate with any law enforcement authorities or court order requesting or directing Suzeorman.com to disclose the identity of anyone posting such information or materials. Suzeorman.com may also disclose such information if it has a good faith belief that such disclosure is reasonably necessary to protect the rights, property, or personal safety of Suzeorman.com, its employees, customers or the public.
 

You agree to indemnify, hold harmless and defend Suzeorman.com, its members, directors, officers, employees and agents, from and against any action, cause, claim, damage, debt, demand or liability, asserted by any person, arising out of or related to: (i) these Terms of Use; (ii) your use of this website, including any date or work downloaded, transmitted or received by you; and (iii) any libelous, slanderous, indecent or other statement concerning any person made or republished by you.
 

This website may provide a “Help” file or other instructions for the use of this site. However, you understand that Suzeorman.com is under no obligation to provide any support for the use of the website.
 

These Terms of Use and any disputes arising under or related to these Terms of Use (whether for breach of contract, tortious conduct or otherwise) will be governed by the internal laws of the State of California, without reference to its conflict of law principles.
 

If any conflict exists between any provision of these Terms of Use and any applicable statute, law, regulation of ordinance, the latter will prevail, but in such event, the affected provision of these Terms of Use will be modified or limited only to the extent necessary to bring it within such legal requirements.
 

No failure on the part of Suzeorman.com to enforce any part of these Terms of Use shall constitute a waiver of any of Suzeorman.com’s rights under these Terms of Use whether for past or future actions on the part of any person. Neither the receipt of any funds by Suzeorman.com nor the reliance of any person on Suzeorman.com’s actions shall be deemed to constitute a waiver of any part of these Terms of Use. Only a specific, written waiver signed by an authorized representative of Suzeorman.com shall have any legal effect whatsoever.
 

These Terms of Use are in addition to, and do not override or otherwise modify or supersede, the terms and conditions that apply to the products or services offered by this Website and other companies through this Site.
 

If we have not specifically granted you a right under these Terms of Use, that right is reserved to us.

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