Motley Fool Total Income Terms of Service

Welcome to Motley Fool Total Income (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 using 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 10 OF THE FOOL'S RULES.

Motley Fool Total Income

The Service provides recommendations for buying and selling stock in publicly traded companies, corporate and municipal bonds, options, and annuities.

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 of 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 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 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 Motley Fool strives to operate with the highest level of integrity and to treat everyone — our customers, employees and community — fairly. With that in mind, we've put in place guidelines with respect to the Service in addition to our standard trading rules. They include:

●       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 Service's recommendation has been published. 

●       If the Service 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 there may be occasions where the Service takes a position with respect to a security that is counter to that of another Fool premium service.  

An affiliate of The Motley Fool provides 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.

Portfolio Frameworks

In addition to the recommendations, Total Income includes a Portfolio Framework. The Portfolio Framework is intended to be used as a framework to understand allocation guidance for different types of investors. The Portfolio Framework is shown with example investments drawn from Premium Services’ Best Buys Now, stocks determined to be timely opportunities by our FoolIQ quantitative research team, and other investments as we deem appropriate. The investments listed are intended to be examples and the Portfolio Framework is not an actively managed portfolio. The Motley Fool may or may not have positions in the investments listed. Investors who would like to view an actively managed portfolio are recommended to refer to our other Premium Services, which are not included in Total Income.

Starter Portfolios

In addition to the Portfolio Framework and recommendations, from time to time Total Income may provide a Starter Portfolio. Any Starter Portfolios are not actively managed portfolios and are not to be construed as personalized advice. The allocations and investments listed in the Starter Portfolios are considered accurate as of the time of publishing and will not be updated in the future.

Total Income Membership Fee; Terminating Your Membership

You are responsible for the applicable membership fee(s) as set forth on this site. If you are currently a subscriber to any of our other US services, you will receive a prorated credit for the remainder of your subscription to such Premium Services towards your purchase of Total Income.

The Motley Fool reserves the right to increase Total Income’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 Total Income 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.

Yearly Fees

From time to time, the Motley Fool may offer yearly subscriptions to Total Income. Please note that any such promotions are available only to new, first time Total Income members. There is no cash refund offered for the yearly fee, except in accordance with state laws. Only credit for Motley Fool products may be issued if you wish to discontinue Total Income. Unless it is advertised as a promotional rate at the time of ordering, the fee will be the same year-to-year. 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

If you have a yearly subscription, you may cancel your Total Income membership at any time in the first 30 days by contacting Member Support. Yearly subscriptions are NON-REFUNDABLE, but you will receive credit towards other Motley Fool products.

Please note that any such promotions are available only to new, first time Total Income members. If you previously subscribed to Total Income, cancelled and subsequently subscribe again, you will not receive a credit for any cancellations.

Lifetime Subscriptions

From time-to-time, we may offer a “lifetime” membership to Total Income with an ongoing monthly coverage fee. Please note that any such promotions are available only to select new, first time Total Income members. There is no cash refund offered for the enrollment or coverage fees, except in accordance with state laws. Only credit for Motley Fool products may be issued if you wish to discontinue Total Income. This coverage fee can be paused by the member at any time, if the member wishes to cease having access to the service by contacting Member Support. If a member wishes to pause their coverage, and turn their coverage back on at a later date, they can do so without paying the enrollment fee again, but must resume paying the ongoing monthly coverage fee.

Combination Subscriptions with Portfolio Reports

When Total Income is purchased in conjunction with a Portfolio Report, such as the Instant Income Portfolio, the cost of the report is non-refundable. If you wish to cancel your Total Income membership, any payment for the Total Income subscription in excess of the report cost is creditable to your account for the purchase of another Motley Fool service or subscription within the first 30 days of your subscription.

Cancellations

You may cancel your Total Income membership at any time in the first 30 days by contacting Member Support. In the event of cancellation of your Total Income membership, your fee may be credited to a membership to Premium Service(s) of your choice. At the time of expiration of those service(s), your subscription will renew at the then-current price and be subject to those service(s)’ then-current terms. Unless otherwise explicitly noted at the time of ordering, your membership will automatically renew until you notify Member Support 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. 

Please note that any such promotions are available only to new, first time Total Income members. If you previously subscribed to Total Income, cancelled and subsequently subscribe again, you will not receive a refund or placement in a Premium Service for any cancellations.

Lifetime Subscriptions

From time-to-time, we may offer a “lifetime” membership to Total Income which may include an ongoing monthly coverage fee. Please note that any such promotions are available only to select new, first time Total Income members. There is no refund offered for the lifetime membership fee or for the coverage fee. You may cancel your Total Income membership at any time in the first 30 days by contacting Member Support.

The coverage fee is a standard fixed monthly rate for the lifetime of the membership. The coverage fee will not be increased unless it is stated at time of purchase that the coverage fee is being offered at a promotional rate. If the coverage fee is purchased at a promotional rate, it will be increased to the standard rate at the end of the promotional period. This coverage fee can be paused by the member at any time, if the member wishes to cease having access to the service, by contacting Member Support. If a member wishes to pause their coverage, and turn their coverage back on at a later date, they can do so without paying the enrollment fee again, but must resume paying the ongoing monthly coverage fee.

A Word of Caution

We want to help you make money. However, The Motley Fool is not in the business of rendering personalized investment advice. We don't (and can't) know your financial situation, risk tolerances, or investing objectives. Accordingly, the decisions made and actions taken by the Service do not constitute a recommendation that a particular security, strategy or action taken is suitable for you or any specific person for that matter.

The Service may use a mix of options strategies. Trading in options involves different risks than investing in traditional equities. Some of these risks include:

●       When using some forms of options, the risk of loss is hypothetically unlimited, as investors who short may be required to purchase shares to cover at any time, and at any price.

●       Options can be used to create leverage, which increases the risk of total loss, since smaller fluctuations in value will have significant effects on your portfolio.

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 of 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 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.

Disclaimer of Warranties and Liabilities

By using the Service, you agree that The Motley Fool, its directors, its employees, and its 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, its employees, 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.

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.    

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 FoolAlert@Fool.com.

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 July 26th, 2017