Terms of Use and Privacy Policy

Steven Sarnoff Terms and Conditions of Use & Privacy Policy

Web Site Terms and Conditions of Use & Privacy Policy

  1. Terms

By accessing this web site, you are agreeing to the Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, we recommend not continuing with access to this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

  1. Use License
  1. Permission is granted to paid subscribers to download the materials that are part of their subscription to a Steven Sarnoff’s research product listed on the Products menu. Permission for users of the the web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
    1. modify or copy the materials;
    2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
    3. attempt to decompile or reverse engineer any software contained on Sarnoff’s web site;
    4. remove any copyright or other proprietary notations from the materials; or
    5. transfer the materials to another person or “mirror” the materials on any other server.
  2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by Sarnoff at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
  1. Disclaimer
  1. The materials on Sarnoff’s web site are provided “as is”. Sarnoff makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Sarnoff does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
  2. The material presented in this commentary is provided for informational purposes only and is based upon information that is considered to be reliable. However, neither Sarnoff nor its affiliates warrant its completeness, accuracy or adequacy and it should not be relied upon as such. Neither Sarnoff nor its affiliates are responsible for any errors or omissions or for results obtained from the use of this information. Past performance, including the tracking of virtual trades and portfolios for educational purposes, is not necessarily indicative of future results. Neither Steven Sarnoff or anyone related to Sarnoff is a registered financial adviser and they may hold positions in the instruments mentioned, which may change at any time without notice. Do not buy or sell based on anything that is written here, the risk of loss in trading is great. This material is not intended as an offer or solicitation for the purchase or sale of any security or other financial instrument. Securities or other financial instruments mentioned in this material are not suitable for all investors. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only intended at the moment of their issue as conditions quickly change. The information contained herein does not constitute advice on the tax consequences of making any particular investment decision. This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation to you of any particular securities, financial instruments or strategies. Before investing, you should consider whether it is suitable for your particular circumstances and, as necessary, seek professional advice.
  1. Limitations

In no event shall Sarnoff or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Sarnoff’s Internet site, even if Sarnoff or a Sarnoff authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

  1. Revisions and Errata

The materials appearing on Sarnoff’s web site could include technical, typographical, or photographic errors. Sarnoff does not warrant that any of the materials on its web site are accurate, complete, or current. Sarnoff may make changes to the materials contained on its web site at any time without notice. Sarnoff does not, however, make any commitment to update the materials.

  1. Links

Sarnoff has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Sarnoff of the site. Use of any such linked web site is at the user’s own risk.

  1. Site Terms of Use Modifications

Sarnoff may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

  1. Governing Law

Any claim relating to Sarnoff’s web site shall be governed by the laws of the State of California without regard to its conflict of law provisions.

General Terms and Conditions applicable to Use of a Web Site.

  1. Privacy Policy

This privacy statement provides information about the personal information that Sarnoff collects and the ways in which Sarnoff uses that personal information.

Information that we collect and how we use it …

  • We collect your name and email address. For example, you may subscribe to receive email updates from the blog on the site by submitting your email address.
  • We will not give or sell your personal information to a 3rd party without your consent.
  • We use third-party vendors to deliver the newsletter and process payment.
  • We never see, hold, or store your payment details. That is handled by Stripe and Paypal. Other third-party vendors include Google Analytics and WordPress.
  • You can optionally provide your name, email and other contact information to third parties we partner with.  By providing your contact information to them or other firms we may partner with, you are subject to their terms and privacy rules. So be sure to check them out to determine if you are in agreement or not.
  • The internet comes with a footprint. Web servers may automatically capture the following information from visitors to the Site, including the name of the domain and host from which you access the internet, the internet address of the Site from which you enter the Site, the pages you visit on the Site and the amount of time you spend on the Site. This visitor information may be used to improve the Site.
  • We use this information to  …  to deliver services, personalize the website for you, enable access, send you a newsletter, send you statements and invoices, collect and process payments, send you marketing and other emails.

Legal Basis for Collection of Information

Sarnoff collects your data based on the following conditions

  • Explicit Consent — When you sign up for our blog post updates, webinars where Sarnoff is a presenter or any other service at Sarnoff (paid or unpaid), you consider this your consent for Sarnoff to collect the above listed personal information in order to continue providing information and services to you.  (but no more than that.  Again, we will never give or sell your information to any third party without your consent)
  • Contract — If you enter an agreement with Sarnoff for services in exchange for payment, Sarnoff will be required to collect the above listed personal information, including credit card information. We do NOT hold your credit card information on our website.  This information is held at the third party vendors we use to transact the business, such as and/or STRIPE and Paypal.

Disclosure of information

We will not voluntarily share your name and email provided via the Site to any third party, except:

  • With third parties that we hire to perform services for us (these third parties are not authorized to keep or use your personal information for any other purpose),
  • To comply with legal requirements, such as law, regulation, warrant, subpoena, court order, or with a regulator or law enforcement agency or personnel or
  • In connection with a corporate sale, merger, reorganization, acquisition, dissolution or similar event.

Visitor information described above under “Information that we collect and how we use it” may be provided to third parties as described below under “Cookies“ and “Web Beacons.”

Your choices and access

We want to keep your name and email address accurate. You can correct or update your name or email address that you have provided us. Corrections can be submitted by emailing us at stevensarnoff@gmail.com.

You may choose to stop receiving free communications from us by emailing us at the email address above or clicking an unsubscribe link where included in our email communications to you.  If you are a paying subscriber and wish to change or cancel your subscription, you can do so either directly on line via our website. In any case where you cannot directly change or cancel on our website, you can email us or call us at 858-775-9148.

Links to other Web sites

We do not endorse and are not responsible for the information practices or privacy policies of any other Web sites that may be linked to or from the Site. If you decide to access any other Web site that may be linked to or from the Site, you should consult that Web site’s privacy policy.

Securing Your Data

Sarnoff will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information. If Sarnoff stores any of your data, it will do so on secure servers to the best of our knowledge and ability. However, we are not responsible for the neglect, misuse or stolen information by third parties who have access to your information as stated above.


A cookie is a small text file that the Site can place on your computer’s hard drive. When you visit the Site, a cookie may be placed on your computer for customizing and enhancing your experience on the Site. Your name and email address are not shared in this cookie. We use a cookie that collects anonymous traffic data. You can set your Web browser to block cookies, but doing so may affect your ability to access certain features of the Site.


We take reasonable steps to protect personal information from loss and misuse. Please keep in mind that no Internet transmission is 100% secure. Some email sent to or from the Site may not be secure. Please consider this when sending information to us by email.

Children’s Privacy

The Site is not intended for use by children under the age of 18. We will not knowingly collect personal information from them. If we discover that a child has provided us with personal information, we will use reasonable efforts to delete this information. If you have reason to believe we may have accidentally received personal information from a child under the age of 18, please immediately submit details by emailing us at stevensarnoff@gmail.com.

Changes to this Privacy Policy

We may modify, alter or update this Privacy Policy at any time. We will not provide individual notice to you of changes to this Privacy Policy, but when we make updates to this Privacy Policy, we will update the date in this section.

This Privacy Policy was last updated on August 4, 2018.

  1. Cancellation/Refund Policy

You may cancel your subscription at any time. Any cancellations made after 21 days of service will not qualify for a refund.  Please contact us at stevensarnoff@gmail.com with any questions.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.