You hereby acknowledge that any reliance upon any Materials shall be at your sole risk. In particular, none of the Materials is provided on the LeRiche Enterprises IncNetwork of Sites with a view to inviting, inducing or encouraging any person to make any kind of investment decision. Securities or other investments referred to in the Materials may not be suitable for you and you should not make any kind of investment decision in relation to them without first obtaining independent investment advice from a person authorised to give it. The Service, Materials and Products provided through the LeRiche Enterprises Inc Network of Sites or any of its affiliates, including but not limited to Dow Jones & Company, Inc., are solely and strictly for your personal and non-commercial use.

You may not save, or permit any third party to save, any Materials or any portion thereof for use with any information retrieval and/or provision service. Except to the extent you download and print Materials for your personal and non-commercial use, you may not modify, reproduce, distribute, transmit, disseminate, process, publish, license, create derivative works from, provide any third party access to, transfer, assign, or sell any of the Materials, Services or Products, including stock quotes and news, obtained from the LeRiche Enterprises Inc Network of Sites. Automated query systems are strictly prohibited.

Any use of such systems will result in immediate termination of access.

LeRiche Enterprises Inc reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any error or omissions in any portion of the Service or the Materials. Materials may be delayed as specified by Stock Exchanges and other sources. LeRiche Enterprises Inc specifically represents that it does not give investment advice or advocate the purchase or sale of any security or investment. None of the information contained in the Materials constitutes an offer to sell or the solicitation of an offer to buy any security or other investment or an offer to provide investment services of any kind. LeRiche Enterprises Inc and our affiliates, officers, directors, and employees, including persons involved in the preparation of proprietary content on the LeRiche Enterprises Inc Network of Sites and affiliated websites, may from time to time, have long or short positions in, and buy and sell the securities or derivatives (including options) of companies mentioned in proprietary content on the LeRiche Enterprises Inc Network of Sites and affiliated websites.

THE SERVICE AND THE MATERIALS ARE PROVIDED BY TIB AND OTHER INFORMATION PROVIDERS ON AN "AS IS" BASIS, AND TIB AND OTHER INFORMATION PROVIDERS EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF SATISFACTORY QUALITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SERVICE OR ANY MATERIALS AND PRODUCTS. IN NO EVENT SHALL TIB AND OTHER INFORMATION PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE SERVICE, THE MATERIALS AND THE PRODUCTS.

Third Party Content.

LeRiche Enterprises Inc is a distributor (and not a publisher) of content supplied by third parties and Subscribers. Accordingly, LeRiche Enterprises Inchas no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, Subscribers or any other user of The LeRiche Enterprises Inc Network of Sites, are those of the respective author(s) or distributor(s) and not of Stockgroup. Neither LeRiche Enterprises Inc nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. LeRiche Enterprises Inc encourages you to exercise discretion while browsing the Internet using the LeRiche Enterprises Inc Network of Sites. LeRiche Enterprises Incmakes no representations concerning any endeavour to review the content of the TIB

Network of Sites or any of the Materials, and so LeRiche Enterprises Incis not responsible for the accuracy, copyright compliance, or legality of material contained in the Stockgroup Network of Sites or in the Materials. The LeRiche Enterprises Inc Network of Sites is not directed at persons who are residents of any country where dissemination of any of the information contained on the LeRiche Enterprises IncNetwork of Sites is not permitted.

Privacy Policy

LeRiche Enterprises Inc believes that you should understand how we use the information you provide and furthermore that you should have the right to approve the use of that information. In handling your information LeRiche Enterprises Inc follows a policy of "informed consent". In using the varied features of the LeRiche Enterprises Inc Network of Sites, you may provide information (such as name, contact information, or other registration information) to LeRiche Enterprises Inc, service providers, or other businesses you contact. LeRiche Enterprises Inc and these entities may use, and you agree that LeRiche Enterprises Inc may use, this information and technical information about your use of the LeRiche Enterprises Inc Network of Sites, or communicate separately with you. LeRiche Enterprises Inc will not provide information to companies you have not interacted with, and we prohibit the companies that get such information from selling or redistributing it without your prior notice. LeRiche Enterprises Inc will not disclose your personal information, except as described herein, and LeRiche Enterprises Inc will not disclose information to others that would connect your user name with your actual name unless LeRiche Enterprises Inc is compelled to by law. In our sole discretion we still reserve the right to make exceptions, whenever we believe an emergency, illegal activity or some other reasonable basis exists for notifying or providing such information to the appropriate authorities. LeRiche Enterprises Inc intends this policy to reduce uninvited use of your personal information. If, however, you do not want to receive any future communications from LeRiche Enterprises Inc, please contact us via Info@lericheenterprises.com", and we will do our best to avoid such communications.

Intellectual Property

LeRiche Enterprises Inc respects the rights (including the intellectual property rights) of others, and we ask our users to do the same. LeRiche Enterprises Inc may, in appropriate circumstances and in its sole discretion, terminate the accounts of users that infringe or otherwise violate such rights of others. trading-and-investing-for-beginners.com, selfdirectedinvestor.net  the trading-and-investing-for-beginners.com logo and all other uses, including country specific references and/or usage of the names trading-and-investing-for-beginners.com and selfdirectedinvestor.net, financialfreedomformulas.com, lericheenterprises.com trademarks of LeRiche Enterprises Inc.

Opt-out policy

LeRiche Enterprises Inc gives its members options wherever necessary and practical. Such choices include: - Choosing not to receive the LeRiche Enterprises Incs electronic newsletters when registering for a site. - Choosing not to participate in certain interactive areas, which completely alleviates the need for any information from our members.

User Information Modification Policy

LeRiche Enterprises Incoffers members the ability to correct or change the information collected during registration. Members who wish to change such information should login to member services at Info@lericheenterprises.com.

Unsubscribe Policy

Members may unsubscribe to any of LeRiche Enterprises Inc's electronic newsletters at any time by following the instructions contained at the end of every newsletter or alternatively by following the instructions at subscriptions tab in the member services section at Info@lericheenterprises.com . Terms of Use

This Agreement between you and LeRiche Enterprises Inc is effective immediately by you on clicking the "I Accept" button, and may be amended at any time by LeRiche Enterprises Inc posting the amended terms on our site. The amended terms shall be posted by LeRiche Enterprises Inc and shall automatically be effective 3 days after they are initially posted on our site.

This Agreement may not otherwise be amended, except in writing consented to by both parties.

Unless otherwise indicated in this Agreement, the following terms shall be defined for the purposes of this Agreement as follows: (a) "Business Day" means a day (excluding Saturdays) on which banks are open for business Quebec, Canada; (b) "forums" means the area entitled "forums" on this website or any other site forming part of the LeRiche Enterprises Inc Network of Sites; (c)"The LeRiche Enterprises Inc Network of Sites" means all the websites operated by LeRiche Enterprises Inc., including this website; (d) "us" and "we" means LeRiche Enterprises Inc. and any subsidiary, affiliate, assign, successor, employee, director, officer, agent, or representative thereof; and (e) "you" means a user of the LeRiche Enterprises Inc Network of Sites.

Eligibility for Membership

Our services are available only to persons who can form legally binding contracts under applicable law. Without limiting the foregoing, our services are not available to individuals under the age of 19, or age of majority in your jurisdiction of residence. If you do not qualify, please do not use our services.

LeRiche Enterprises Inc Network of Sites Use

LeRiche Enterprises Inc agrees to permit you to use the LeRiche Enterprises Inc Network of Sites including the forums during the term of this Agreement and subject to the provisions contained in it in order to post and read information on the forums regarding any topic that you or any other user wishes to post. If you wish to make a complaint regarding a forums posting, YOU MUST use theInfo@lericheenterprises.com email. All such rules and procedures shall be subject to modification, at the sole discretion of LeRiche Enterprises Inc, at any time during the term of this Agreement.

Change in Services

We may, in our sole discretion, add, delete or change some or all of our services at any time.

1.2 Only a Venue

THE forum PORTION OF THE TIB NETWORK OF SITES ACTS AS THE VENUE FOR INDIVIDUALS TO SHARE FINANCIAL AND INVESTMENT INFORMATION.

YOU UNDERSTAND AND AGREE THAT STOCKGROUP IS ACTING SOLELY AS A MEREPASSIVE CONDUIT BY MEANS OF WHICH INDIVIDUALS ARE ABLE TO SHARE INFORMATION VIA MESSAGES POSTED ON THE Bullboards AND, BY EXTENSION, THE TIB NETWORK OF SITES GENERALLY. THIS AGREEMENT SHALL NOT BE DEEMED TO CREATE ANY PARTNERSHIP, JOINT VENTURE, OTHER JOINT BUSINESS RELATIONSHIP, TRUST, AGENCY OR FIDUCIARY RELATIONSHIP BETWEEN ANY OF THE PARTIES AND YOU UNDERSTAND AND AGREE THAT THERE SHALL NOT BE ANY INTEGRATION BETWEEN THE PARTIES.

If you have a dispute with one or more users, you release LeRiche Enterprises Inc (and our agents, directors, officers, employees and representatives) from any and all claims, demands and damages, direct, indirect, special, incidental, actual and consequential, of any kind and nature, including but not limited to, defamation, slander and libel, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with the use of the forums and the LeRiche Enterprises Inc Network of Sites. You also waive any rights that you may have by reason of any common law or statute applicable at the time of the dispute. FOR LEGAL REASONS, WE CANNOT NOR DO WE TRY TO CONTROL THE INFORMATION PROVIDED BY OTHER USERS WHICH IS MADE AVAILABLE THROUGH THE forums. LeRiche Enterprises Inc PLAYS NO PART WHATSOEVER IN THE GENERATION OR DEVISING OF SUCH INFORMATION. BY ITS VERY NATURE, OTHER PEOPLE'S INFORMATION MAY BE INACCURATE, AND IN SOME CASES WILL BE MISLABELLED OR DECEPTIVELY LABELLED. WE EXPECT THAT YOU WILL USE CAUTION - AND COMMON SENSE - WHEN USING THE LeRiche Enterprises Inc NETWORK OF SITES. IN PARTICULAR, YOU SHOULD NOT PLACE ANY RELIANCE ON THE CONTENT OF THE forums FOR THE PURPOSE OF MAKING ANY KIND OF INVESTMENT DECISION SUCH AS A DECISION TO BUY OR SELL OR OTHERWISE DEAL IN A SECURITY OR OTHER INVESTMENT. SECURITIES OR OTHER INVESTMENTS REFERRED TO IN THE forums MAY NOT BE SUITABLE FOR YOU AND INVESTMENT DECISIONS IN RELATION TO THEM SHOULD ONLY BE MADE AFTER TAKING INDEPENDENT INVESTMENT ADVICE FROM A PERSON AUTHORISED TO GIVE IT.

1.3 System Integrity

You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the LeRiche Enterprises Inc Network of Sites or any activities being conducted on the TIB Network of Sites.

You may not take any action, which imposes an unreasonable or disproportionately large load on our infrastructure.

1.4 Passwords

You are responsible for the confidentiality and use of your username and password. You may not disclose or share your password to any third parties or use your password for any unauthorized purpose. You acknowledge that using the service on two or more computers simultaneously is in violation of this Agreement. You agree to notify LeRiche Enterprises Inc immediately of any loss, theft, or unauthorized use of his/her username and password.

1.5 Privacy Policy

It is our belief that you should understand how we use the information you provide and furthermore that you should have the right to approve the use of that information. In the handling of your information, we follow a policy of "informed consent", that is to say: In using the varied features of the LeRiche Enterprises Inc Network of Sites, you may provide information (such as name, contact information, or other registration information) to LeRiche Enterprises Inc, service providers, or other businesses you contact. LeRiche Enterprises Incand these entities may use this information and technical information about your use of the LeRiche Enterprises Inc Network of Sites to tailor their presentations to you, facilitate your movement through the LeRiche Enterprises Inc Network of Sites or communicate separately with you. We will not provide information to companies you have not interacted with, and we prohibit the companies that get such information from selling and redistributing it without your prior notice.

We intend this policy to reduce uninvited use of your personal information. If, however, you do not want to receive any future communications from LeRiche Enterprises Inc, please contact us by using the following email ie Info@lericheenterprises.com and we will do our best to avoid such communications.

1.6 Your Information

Your information includes any information you provide to us or other users during the registration or in the forums or in any public message area or through any email feature (collectively "Your Information").

With respect to Your Information:

(a) You agree that Your Information provided to us by you during the registration is true, accurate, correct and complete and that you will notify us immediately of any changes to it. You agree not to impersonate any other person or entity or to use a false name or a name that you are not authorized to use or to provide incorrect information as to your location or relevant to your right to use the LeRiche Enterprises Inc Network of Sites.
(b) You agree that you are solely responsible for Your Information, and we act as a mere passive conduit for your online distribution and publication of Your Information. However, we reserve the right to take any action with respect to such information we deem necessary or appropriate in our sole discretion if we believe that it may create liability for us or may cause us to lose (in whole or in part) the services of our ISPs or other Suppliers.
(c) You undertake and agree that Your Information:
(i) shall not infringe any third party's copyright, patent, trademark, trade secret or other proprietary right or rights of publicity or privacy;
(ii) shall not violate any law, statute, ordinance or regulation;
(iii) shall not be defamatory, trade libelous or unlawfully threatening;
(iv) shall not be false, inaccurate or misleading;
(v) shall not contain any invitation, inducement or offer to buy or sell any kind of security or other investments;
(vi) shall not contain any promotional material in respect of any kind of security or other investment;
(vii) shall not be provided for any business purpose; and
(viii) shall not contain any viruses, Trojan horses, worms, time bombs or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information. (d) Solely to enable LeRiche Enterprises Inc to use Your Information you supply to us, so that we are not violating any rights you may have in that information, you agree to grant us a non-exclusive, world-wide, perpetual, irrevocable, royalty-free, sublicenseable (through multiple tiers) right to exercise the copyright and publicity rights, but no other rights, you have in Your Information, in any media now known or not currently known, with respect to Your Information. LeRiche Enterprises Inc will only use Your Information in accordance with our Privacy Policy.

1.7 Limit Of Liability 1.10.1

YOU UNDERSTAND AND AGREE THAT THE USE OF THE TIBNETWORK OF SITES IS AT YOUR OWN RISK AND THAT STOCKGROUP DOES NOT MAKE, AND EXPRESSLY DISCLAIMS, ANY WARRANTY, TERM OR CONDITION, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, AS TO THE SERVICES OR USE OF THE LeRiche Enterprises Inc NETWORK OF SITES TO BE PROVIDED OR WITH RESPECT TO ANY POSTINGS PURSUANT THERETO, INCLUDING BUT NOT LIMITED TO, ANY WARRANTIES OF SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR CAUSE OR NON-INFRINGEMENT, OR ANY WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE. 1.10.2 IN NO EVENT SHALL LeRiche Enterprises Inc OR LeRiche Enterprises Inc'S DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS AND AGENTS BE LIABLE FOR LOST PROFITS, LOST SALES, LOST BUSINESS, LOST OPPORTUNITY, LOST INFORMATION, LOST OR WASTED TIME OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (HOWEVER ARISING, INCLUDING NEGLIGENCE) ARISING OUT OF, OR IN CONNECTION WITH, THIS AGREEMENT.

1.8 Exclusion of Warranties

IT IS EXPRESSLY UNDERSTOOD AND AGREED TO BY THE PARTIES HERETO THAT EXCEPT AS SPECIFICALLY PROVIDED HEREIN, ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ARE HEREBY EXCLUDED.

1.9 General Compliance with Laws

You shall comply with all applicable laws, statutes, ordinances and regulations regarding your use of our service.

1.10 Intellectual Property Rights

You recognize and agree that you have no rights in or to, the whole, or any part of, the trade names "LeRiche Enterprises Inc", www.LeRicheEnterprises.com, the LeRiche Enterprises Inc logo, and all other uses, including country specific references and/or usage of the name LeRiche Enterprises Inc or to any of the LeRiche Enterprises Inc components or processes, software or data and you will not, except as otherwise permitted by this Agreement while it is in effect, disclose, make use of or otherwise infringe upon the intellectual property or any derivatives thereof, it being specifically understood that the intellectual property is owned solely and exclusively by LeRiche Enterprises Inc or its licensors. You hereby acknowledge that the market data information provided is the property of the various exchanges and other information providers and therefore subject to modifications from the sources and controlled by all copyright and other interests maintained by the data sources. You agree that upon any violation of this covenant, LeRiche Enterprises Inc shall suffer irreparable harm and shall be entitled to injunctive relief against any further violation, in addition to any other damages to which TIB may be entitled. This covenant is independent of any other covenant, term or condition of this Agreement and shall survive the expiration or termination of this Agreement, it being understood that but for the giving of this covenant, LeRiche Enterprises Inc would not have entered into this Agreement.

1.11 Notices

Except as explicitly stated otherwise, any notices shall be given by email at Info@lericheenterprises.com (in the case of LeRiche Enterprises Inc) or to the email address you provided during the registration process (in your case), or such other address as the party shall specify. Notice shall be deemed to be given 24 hours after the email is sent, unless the sending party is notified that the email address is invalid. Alternatively, we may give notice by certified mail, postage prepaid and return receipt requested, to the address provided to us during the registration process. In such case, notice shall be deemed to be given 3 Business Days after the date of mailing.

1.12 Indemnity

You hereby agree to indemnify, defend and hold LeRiche Enterprises Inc, its affiliates, including but not limited to Dow Jones & Company, Inc., and its distribution partners and their officers, directors and employees harmless for all liability, claims, damages and costs, including, without limitation, reasonable legal fees, arising out of or in connection with a breach of your obligations, representations and warranties provided in this Agreement. You also agree to hold LeRiche Enterprises Incharmless for all liability, claims, damages and costs, including reasonable legal fees, arising out of or in connection with any errors, malfunctions or defects in connection with the LeRiche Enterprises Inc Network of Sites.

1.13 Force Majeure

LeRiche Enterprises Inc shall not be responsible in any manner for any loss or damage occurring as a result of forces beyond its control, including, without limitation, any act of God, natural catastrophe, war, pestilence, labour dispute, telecommunications disruption, or any other matter, cause or thing which such parties do not directly control.

1.14 Termination

Either party, upon 10 days written notice to the other party, may terminate this Agreement without cause. This Agreement may be terminated immediately by us, without notice, if you fail to comply with this Agreement. We may also terminate this Agreement immediately if LeRiche Enterprises Inc discontinues operation of this website or the LeRiche Enterprises Inc Network of Sites generally.

1.15 Assignment

You may not assign, in whole or in part, any of your rights or obligations under this Agreement, without the written consent of LeRiche Enterprises Inc.

1.16 Legal Fees

If any action at law or in equity is necessary to enforce or interpret the terms of this Agreement, or any of the provisions hereof, the prevailing party therein shall be entitled to recover from the non-prevailing party, in addition to any other relief to which such prevailing party may be entitled, reasonable legal fees, costs and necessary disbursements.

1.17 Governing Law

This Agreement shall be construed and enforced in accordance with the laws of the Province of Quebec, Canada. The Parties to this Agreement agree to submit themselves to the exclusive jurisdiction of the courts of the Province of British Columbia, Canada and agree to attorn any dispute arising from this Agreement or from use of the LeRiche Enterprises Inc Network of Sites to said courts.

1.18 Severability

If one or more provisions of this Agreement are held to be invalid, generally or specifically in a given jurisdiction, such invalidity shall not affect the other provisions hereof, and to this extent, the provisions of this Agreement are intended to be, and shall be, severable.

1.19 Disclosures

The services hereunder are offered by LeRice Enterprises Inc. located at 596 de la Metairie Street, Montreal, Quebec Canada H3E1T2

1.20 Modification to Terms

LeRiche Enterprises Inc reserves the right to modify the terms and conditions of this License Agreement and to terminate customer's access to and use of the LeRiche Enterprises Inc. delivered data at any time and without prior notice.

1.21 Entire Agreement

This Agreement constitutes the entire agreement between you and LeRiche Enterprises Inc and supersedes all other agreements. No other representations or warranties are made, save for those contained within this Agreement.