Terms of Service: Subscriber/Disclaimer Agreement

The information contained in the Arbor Investment Planner Newsletters, the Arbor Asset Allocation Model Portfolio Blog, the Dividend Value Builder Newsletters and  Dividend Value Builder Blog, are general information or for entertainment purposes only and does not constitute investment advice. The Arbor Investment Planner does not act as an investment advisor, or advocate the purchase or sale of any security or investment.

Use of the Arbor Investment Planner is for subscribers’ personal use only. Subscriber agrees not to share or copy for any other use. Neither the Arbor Investment Planner nor Ken Faulkenberry invests, manages, or directs the investment management of subscriber portfolios. The sole purpose of the Planner is to provide information to investors who choose to manage and self direct their own investment portfolio.

All information, including the Arbor Asset Allocation Model Portfolios (AAAMP), Updates, and Trade Alerts, are for information purposes only. The AAAMP portfolios are real time portfolios owned and managed by Ken Faulkenberry for his benefit. All information is the opinion of Ken Faulkenberry. All information, including reported investments and reported investment trades, are made with his own personal money in his personal account. These investments may or may not be appropriate for newsletter members.

Trade Alerts are sent to subscribers for notification purposes only. After a trade alert is e-mailed to subscribers the trade is made in the AAAMP portfolio. Investors who choose to duplicate the transactions of the AAAMP do so at their own risk. Subscribers should consult their investment advisor as to the suitability of any particular investment.

The Dividend Value Builder Portfolios are for illustration purposes only. Although Ken Faulkenberry personally owns each of the stocks in the DVB portfolios, that does not mean it is an appropriate investment for any newsletter subscriber.

Past results do not guarantee future returns. There is no guarantee the goals and objectives of the Arbor Investment Planner (including the AAAMP Portfolios and DVB Portfolios will be achieved. The subscriber agrees to be totally responsible for any action taken and/or investments made and the suitability of any actions taken by the subscriber. While data contained is believed to be from reliable sources the Arbor Investment Planner (including the Arbor Investment Planner website and blog) and Dividend Value Builder Website and Blog) are not liable, nor does they warranty the accuracy, timeliness, or completeness of the information contained.

No refunds are issued for any of the Dividend Value Builder Newsletter subscriptions. Recurring subscriptions may be cancelled at anytime; you will still receive all your membership benefits until your next renewal date.  You must sign-up for new services or renew your 2 Month Trial Membership to continue receiving services. 

Refunds are not available on monthly or 2 month trial AAAMP Portfolios subscriptions. Quarterly and annual AAAMP Portfolios subscriptions will be refunded on a pro-rated basis as follows: $139.00/mo. charged at the beginning of each monthly anniversary, excluding any free trial periods.

The Arbor Investment Planner reserves the right to offer subscription trial periods. If the subscriber does not cancel within the stated subscriber trial period the subscribers payment will be processed and credit card will be charged.  It is the responsibility of the subscriber to cancel within the stated trial period. All recurring subscription plans can be cancelled at anytime by the subscriber without any further obligation for future payments. Your services will still be provided for the original time period ordered.

The Arbor Investment Planner, Arbor Asset Allocation Model Portfolio (AAAMP) Blog, and Dividend Value Builder Blog may display advertisements and/or links to affiliate websites.  If you click on these advertisements and make a purchase the Arbor Investment Planner will receive a commission or fee. If you click on text ads the Arbor Investment Planner may receive a fee from the advertiser. The Arbor Investment Planner shall not be liable for any transactions made with affiliate websites or links clicked on by the reader. The Arbor Investment Planner does not warranty the reliablility or truthfulness of any advertisement, product, or services. All transactions are at the risk of the buyer.

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