These are the terms and conditions which apply to your subscription/s to Banyan Hill publications (both free and paid, online and hard copy), conference and seminars, the purchase of conference and seminar materials, book, courses and your use of the websites provided by Banyan Hill (together, the “Services”).
By using or purchasing our Services you agree to be bound by these terms and conditions and they shall constitute the entire agreement between you and Banyan Hill (the “Agreement”).
If we change our terms and conditions, we will notify you of those changes here.
Advice
The advice we provide is published generally, is not personal to you and does not take account of your personal circumstances. We do not assess the suitability or appropriateness of any investment in light of your personal circumstances, including your knowledge and understanding, financial strength, tax liability or appetite for risk.
If you need guidance on interpreting our advice in light of your personal circumstances, you should seek independent advice from an appropriately qualified professional. You should also interpret our advice in light of the risk warnings that are contained within it.
Charges
All orders will be processed in US Dollars in 2-4 business days from the date it was placed.
If your order is on backorder, you will be notified. The order will be processed once the item is back in stock.
The transaction will be reflected on your card statement as PSV* (Publication Name) 866-584-4096 MD.
EXAMPLE:
Shipping fees and options, where applicable, are clearly disclosed on your order form at the time of purchase.
Confirmation of your order
If you order one of our own Services, within two working days of your order you will be sent an email which confirms receipt of your order. It will not contain the payment details provided by you.
In the event the payment method you provided fails, a customer services representative will contact you by telephone (if you have supplied your number) or by email or letter, to check the details you have supplied, and re-try the authorization process. Again, if we contact you by email or letter, our correspondence will not contain any payment details.
Ending a subscription
We are entitled to terminate your paid or unpaid subscriptions and access to our Websites at any time without notice. Provided you have not breached these terms and conditions, if we terminate a paid subscription of a fixed term we will refund the unused portion of your subscription fee.
If you wish to cancel your subscription, you may contact customer service at https://banyanhill.com/contact-us/ or call 866-584-4096 between 9 am and 8pm EDT.
The refund and credit policy applicable to your purchase can be found on your order form and in your confirmation email.
If you ordered by credit card, your refund will be available within 7 business days of the date of cancellation.
If you ordered using another payment method, you will receive your refund by check. Customers in the United States should expect to receive the refund within 2 weeks of the date of cancellation while international customers should allow 4 – 6 weeks to receive the refund.
For Auto Renewal Subscriptions Only
If you enrolled in a subscription then we will charge your card at the frequency and price disclosed to you on the checkout page on which you provided your credit or debit card information.
Reliance on content
Content in our publications is for general information only and is not intended to be relied upon by users in making (or not making) specific investment decisions. We try to ensure that the content of our Services is up to date and accurate, but we do not guarantee the accuracy of the information. We urge customers to perform their own due diligence.
We do everything in our power to ensure that our websites are fully operational and available to you at all times. However, in order to make sure they are up to date and offering you the best service, access may sometimes be interrupted or restricted to allow for maintenance or the introduction of new facilities and services.
Copyright and trademarks
Copyright in all information, text and images featured in the Services, is owned by or licensed to Banyan Hill (“Our Content”). Provided that you acknowledge us as the source of the information, you are entitled to save or download one copy of any of Our Content for the purposes of reference, but you are not entitled to make any further copies of the work.
All property rights remain with Banyan Hill. Other than as provided in these terms and conditions, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, or use for any public or commercial purpose any of Our Content without our prior written permission.
Breach of these terms and conditions
We have the right, but not the obligation, to monitor any activity and content associated with the Services. We may investigate any reported violation of these terms and conditions and take any action that we deem appropriate. This may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access to and use of the Services.
This Agreement shall be governed by and construed in accordance with the laws of the State of Maryland, United States of America, without regard to choice or conflicts of law principles. Further, you agree to the jurisdiction of the courts of the United States District of Maryland to resolve any dispute, claim or controversy that relates or arises in connection with the Agreements.
Marketing Disclosure
tastyworks, Inc. (“tastyworks”) has entered into a Marketing Agreement with Banyan Hill (“Marketing Agent”) whereby tastyworks pays compensation to Marketing Agent to
recommend tastyworks’ brokerage services. The existence of this Marketing Agreement should not be deemed as an endorsement or recommendation of Marketing Agent by tastyworks and/or
any of its affiliated companies. Neither tastyworks nor any of its affiliated companies is responsible for the privacy practices of Marketing Agent or this website. tastyworks does not
warrant the accuracy or content of the products or services offered by Marketing Agent or this website. Marketing Agent is independent and is not an affiliate of tastyworks.
Do you collect sales tax?
Banyan Hill is registered in the states below and is therefore required to collect sales tax on items sold to customers in these states, to the extent the items are taxable. Whether or not an item is taxable depends upon the laws in effect in the state.
- Alabama
- Arkansas
- Connecticut
- Colorado
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Nevada
- New Jersey
- New Mexico
- North Dakota
- North Carolina
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Vermont
- Virginia
- Washington
- Wisconsin
- Wyoming
**Alabama Tax Disclosure Sovereign Offshore Services, LLC has collected the Simplified Sellers Use Tax on transaction(s) for Alabama customers. The tax will be remitted on the customer’s behalf to the Alabama Department of Revenue. The company’s Alabama account number is R009872653.
Sales tax is generally calculated on the total selling price of each item. Depending upon the state’s tax laws, the total selling price of the item may include shipping and handling charges.
Although tax is not required to be collected in states where Banyan Hill is not registered, this does not necessarily mean the transaction is not subject to sales tax. Purchases may be subject to use tax which must be remitted directly to the state by the customer purchasing the item. Purchases are not exempt from sales tax solely because they are purchased on the internet, by catalog or by other remote means. Please contact the tax authorities in your state for additional information about your responsibilities for remitting use tax. Links to all the states’ tax administrative agencies can be found at https://www.taxadmin.org/state-tax-agencies. Sales tax is generally calculated on the total selling price of each item. Depending upon the state’s tax laws, the total selling price of the item may include shipping and handling charges.
Please note that amount of estimated tax appearing on an order may differ from the sales taxes ultimately charged at the time of credit card authorization.
A sales tax rate calculator can accessed from the link below. You should use the Use Tax rate when calculating the tax to include on your order payment. If you are unsure if the product you are purchasing is taxable, please contact Customer Service. Please note that we do not own or control information contained on this website and we are merely providing the link for your convenience.
Do You Collect VAT?
Sovereign Offshore Services, LLC is registered in the European Union (“EU”) and is therefore required to charge VAT on digital items sold to customers in the EU. VAT Rates in effect in the twenty eight member states are provided below. Note that the percentages below in parentheses (%) are reduced rates applicable to digital e-books and other digital publications. If you are paying by check please include VAT.
| EU VAT Rates for Digital Goods/Services | |||
|---|---|---|---|
| AUSTRIA | 20% | ITALY | 22% |
| BELGIUM | 21% (6%) | LATVIA | 21% |
| BULGARIA | 20% | LITHUANIA | 21% |
| CROATIA | 25% | LUXEMBOURG | 17% (3%) |
| CYPRUS | 19% | MALTA | 18% (5%) |
| CZECH REPUBLIC | 21% | NETHERLANDS | 21% |
| DENMARK | 25% | POLAND | 23% |
| ESTONIA | 20% | PORTUGAL | 23% (6%) |
| FINLAND | 24% (10%) | ROMANIA | 19% |
| FRANCE | 20% | SLOVAKIA | 20% |
| GERMANY | 19% | SLOVENIA | 22% |
| GREECE | 24% | SPAIN | 21% |
| HUNGARY | 27% (5%) | SWEDEN | 25% (6%) |
| IRELAND | 23% (9%) | UNITED KINGDOM | 20% |