Welcome to Hidden Gems: Secret Code (“HGSC” or “the Service”). This page sets forth the special Terms and Conditions by which The Motley Fool provides you with access to the Service (the "Terms"). It supplements the Fool's Rules (our standard terms and conditions), which are incorporated by reference. By subscribing to, and accessing the Service you are agreeing to abide by these Terms as well as the Fool's Rules INCLUDING THE BINDING ARBITRATION AND CLASS ACTION WAIVER DETAILED IN SECTION 13 OF THE FOOL’S RULES.
1. Hidden Gems: Secret Code
HGSC is a service from The Motley Fool, LLC. HGSC provides you with access to the Hidden Gems: Secret Code portfolio. The Hidden Gems: Secret Code portfolio also includes 5-year price projections. These 5-year price projections represent our best effort to model the price of a stock in five years’ time, using our proprietary models incorporating AI-driven data as well as Tom Gardner’s investing views and methodology. They are intended as examples of potential performance and not as a promise of future results.
The Service provides recommendations for buying stock in publicly traded companies on U.S. and foreign exchanges. The Service will recommend a collection of stocks up front and later send occasional updates about those or other stocks and may include ongoing coverage or additional recommendations.
From time to time, we may change the features, offerings and Premium Content in your HGSC membership, but we will provide you with advance notice of any material changes. You may terminate your membership at any time pursuant to the terms of your subscription.
All services and features provided by HGSC are provided “AS IS.” The Fool assumes no responsibility for the timeliness or delivery of any content or the deletion or failure to store any personalized or customized settings. Individual email service providers or internet service providers may rate limit or have speed variabilities that may impact members’ ability to access emails from TMF, fool.com or the Service.
Content and Messaging
All members of this Service will receive access to the Service through their accounts on fool.com. Other content and messaging can be managed by each individual member using their Manage Notifications page.
From time to time, some content, messaging, or communications may be sent to a segment of the members in this Service. All recommendations will be sent in accordance with members Notification preferences and all Service content will be available to all members of the Service on fool.com.
A Word of Caution
The Service may use a mix of investing strategies within the portfolio. The Motley Fool takes a long term investing approach. Regardless of the action taken by the Service, it is in the capacity of a responsible investor and not a speculator. That doesn't mean our trades will always turn out to be winners. It means that we have done our best to do our homework and consider the inherent risks before making those recommendations and pledging our money. We urge you to do the same before investing your money. Some of the content of this Service may be generated by Artificial Intelligence (AI). By reading or consuming this content, you understand and assume any risk associated with AI generated content.
We want to help you make money. We also want to provide you with a more enriching and useful experience along the way. So while we may ask you a few questions to help direct you to portfolios and other content we think may interest you, The Motley Fool is not in the business of rendering personalized or individualized investment advice. We don't (and can't) know your financial situation, risk tolerances, or investing objectives. Accordingly, the information provided along with the decisions made and actions taken by the Service do not constitute a recommendation that a particular portfolio, security, strategy or action taken is suitable for you, or any specific person for that matter.
The Service bases its recommendations and forecasts on techniques, information and sources believed to be reliable in the past and cannot guarantee future accuracy and results. The Motley Fool and the writers will not be liable for any investment decision you make, or action you take based upon reliance on any material you read here. The Motley Fool is a company of investors writing for investors and as such, the writers (and/or the company) may own stocks or other securities mentioned by the Service. For more information about writer disclosure, as well as a list of places where you can view stocks our writers and analysts own, see our disclosure policy.
The Motley Fool strongly urges caution when considering these investments and encourages you to speak with your own financial and tax advisors before investing.
2. Hidden Gems: Secret Code Membership Fee; Terminating Your Membership.
You are responsible for the applicable membership fee as set forth on this site. If you are currently a subscriber to other Motley Fool services, those memberships may be separate and subject to their own terms. The fee paid for this Service does not include any charges you incur in accessing any other such Motley Fool services you may subscribe to.
The Motley Fool reserves the right to increase the Service’s fees or institute new charges upon reasonable notice. Fees are due in advance. Unless otherwise explicitly noted at the time of ordering, your membership will automatically renew until you notify us of your decision to terminate your membership YOU ARE PROVIDING YOUR ELECTRONIC AUTHORIZATION FOR FUTURE CHARGES AGAINST YOUR CREDIT CARD ON FILE UNLESS YOU CANCEL.
Accordingly, you agree that your HGSC membership fee will be billed automatically at the beginning of each renewal period at the then-current rate to the credit card you used in your most recent transaction with us.
You may cancel your HGSC membership at any time, however, there are NO REFUNDS. HGSC memberships are ineligible for credit transfers.
From time to time, promotions may be offered. If you purchase during a promotion, then the terms of that offer will be honored. Please note that any such promotions are available only to new, first-time HGSC members. If you previously subscribed to HGSC, canceled and subsequently subscribe again, you will not be eligible for promotional offers.
3. Disclaimer of Warranties and Liabilities
By accessing the Service, you agree that The Motley Fool, its affiliates, officers, directors, employees, contractors and agents will not be liable for any investment decision made or action taken by you and others based upon reliance on any information we publish. Please remember that past results are not necessarily indicative of future performance.
Under no circumstances will The Motley Fool, or its affiliates, officers, employees, contractors or its agents be liable for direct, indirect, incidental, or any other type of damages resulting from your use or downloading of any material on our sites, even if we have been advised of the possibility of such damages. This includes, but is no way limited to, loss or injury caused in whole or in part by our negligence or by things beyond our control in creating or delivering the Service or any of our services. This disclaimer of liability does not apply in New Jersey.
Although this is included in the Fool's Rules, it bears repeating (and capitalizing):
ALL INFORMATION PROVIDED OR MADE AVAILABLE THROUGH THE SERVICE ARE PROVIDED "AS IS." THE MOTLEY FOOL HEREBY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS, EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. WITH RESPECT TO OUR WEBSITES, OUR SERVICES, ANY CONTENT, TOOLS, OR PRODUCTS, YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF OUR SERVICES AND THE ACCURACY AND COMPLETENESS OF ITS CONTENT.
Some States do not allow exclusion of implied warranties or limitation of liability for incidental or consequential damages, so the above limitations or exclusions may not apply to you. In such states, our liability and that of our third party content providers will be limited to the greatest extent permitted by law. This disclaimer of warranties does not apply in New Jersey.
4. You Bear Responsibility for Your Financial and Investment Decisions.
While our purpose is to help you become a better investor, your investment decisions rest squarely with you. You agree that you bear sole and complete responsibility for your investment and financial decisions.
By purchasing HGSC, you agree that The Motley Fool, its affiliates, officers, directors, employees, contractors, and agents will not be liable for any investment decision made or action taken by you and others based upon reliance on any information we publish. Please remember that past results are not necessarily indicative of future performance.
5. Trading Rules
The Motley Fool strives to operate with the highest level of integrity and to treat everyone — our customers, employees and community — fairly. For this reason, all of our services abide by trading rules.
Employees and contractors cannot trade based upon any knowledge of an upcoming recommendation by the Service. They may only trade in the security after the recommendation has been published.
If HGSC issues a recommendation about a stock, The Motley Fool's other services will refrain from issuing trade alerts in the security for 24 hours.
Please note that because we are motley, individual analysts or services may have different investment approaches or opinions, so there may be occasions where another Motley Fool service or individual analysts take a position with respect to a security that is counter to that of another Fool service.
Affiliates of The Motley Fool provide investment products that may hold securities mentioned in our publications. Editorial personnel have no nonpublic knowledge of the affiliate's holdings, and the affiliate's personnel have no knowledge of any editorial content before it is published.
6. The Service Is Intended for U.S. Residents Only
The Service is aimed at and published for individuals residing in the United States. The Motley Fool makes no representation that the materials provided, and actions taken by the Service are appropriate for users outside the United States or permitted under the laws of other jurisdictions.
If you choose to access or use the Service from a location other than the United States, you do so at your own initiative and risk, and you bear full responsibility for compliance with any applicable local laws.
7. Everything Else
Please read the Fool's Rules for more details on our rules and policies including our dispute resolution procedures. If you see something that you think is a violation of the Fool's Rules or these Terms, please notify us at [email protected].
The Motley Fool reserves the right to change the Fool's Rules or these Terms at any time. Changes will be posted on the applicable Web page.
Last updated August 28, 2025.