Terms of Use
Welcome to Suzeorman.com (the “website”). This website, and the products and services
offered on the website, are provided for informational purposes only by Suze Orman Media, Inc. and
Hay House, Inc. Please feel free to browse the website and its various features and offerings, but
be aware that your use of the website, and your purchase or use of any product or service offered on
the website, is subject to the terms and conditions set forth below (the “Terms of Use”). Your use
of this website constitutes your agreement to be bound by, and to act in accordance with, these
Terms of Use. If you do not agree with any of these Terms of Use, please do not use this website. By
purchasing any product or service offered on the website, you agree to be bound by these Terms of
Use, and that you are at least 18 years of age and legally able to enter into a contract. If you do
not agree with any of these Terms of Use, please do not purchase or use the product or service.
THIS AGREEMENT PROVIDES FOR THE MANDATORY ARBITRATION OF DISPUTES, AND INCLUDES A
WAIVER OF THE RIGHT TO A JURY TRIAL AND A CLASS ACTION WAIVER, AS SET FORTH BELOW.
These Terms of Use apply to Suze Orman Media, Inc. and Hay House, Inc., their parent
companies, principals, subsidiaries, affiliates, divisions, officers, directors, shareholders,
employees, agents, authors, licensees, vendees, manufacturers, distributors, and assigns, all of
which are referred to herein, individually and collectively, as the “companies”. These Terms of Use
apply to all users of this website, and all purchasers or users of products or services offered on
the website. These Terms of Use are in addition to, and do not override or otherwise modify or
supersede, the terms and conditions that apply to any specific products or services offered by the
companies and/or third parties through this website.
THE COMPANIES ARE NOT A LAW FIRM AND DO NOT PROVIDE LEGAL ADVICE. YOU UNDERSTAND
THAT YOUR USE OF THE WEBSITE, AND YOUR PURCHASE OR USE OF ANY PRODUCT OR SERVICE OFFERED ON THE
WEBSITE, IS NEITHER LEGAL ADVICE NOR THE PRACTICE OF LAW.
This website, and the products and services offered on the website, are not intended to
provide any tax, legal, financial planning, insurance, accounting, investment, or any other kind of
professional advice or services, and nothing on the website or the products and services offered on
the website should be construed as an offer to sell, a solicitation of an offer to buy, or a
recommendation for any security, insurance policy, or investment strategy. To make sure that any
information or suggestions on this site fit your particular circumstances, you should consult with
an appropriate tax or legal professional before taking action based on any suggestions or
information on this website or the products and services offered on the website. Unless otherwise
specified, you alone are solely responsible for determining whether any financial or insurance
strategy, product or service, is appropriate or suitable for you based on your investment objectives
and personal and financial situation.
Without limiting the foregoing, no product or service offered or set forth on this
website, nor any analysis, commentary, or otherwise (whether oral or written), provided in
conjunction with the foregoing shall be deemed to constitute: (1) investment advice under applicable
state or federal law, including, but not limited to, the Investment Advisers Act or 1940; or (2) any
sort of transaction in securities for the account of others, including, but not limited to, any
solicitation, negotiation or execution of the transaction. Neither we nor any of our
representatives, sublicensees, or assigns shall be responsible for any investment decisions or third
party damages or losses resulting from the use of such product(s) or service(s) or any information
provided in conjunction with same. You also understand and agree that we are not (1) an “investment
adviser” as such term is defined in the federal Investment Advisers Act of 1940, or (2) a “broker”,
or (3) a “dealer”, as such terms are defined under the federal Securities Exchange Act of 1934. We
do not hold ourselves out in any communications as an investment adviser, a broker, or a
dealer.
If any provision of these Terms of Use is found to be invalid or unenforceable, such
findings will have no effect on the validity or enforceability of any other provision of these Terms
of Use. The affected provision will be deemed severable and modified or limited only to the extent
necessary to bring it within such legal requirements.
We may, in our sole discretion and at any time, update, change, or discontinue this
website, any specific portion of this website, or any product or service offered on the website,
without notice. The companies reserve the right, in their sole discretion, to modify, alter or
otherwise update these Terms of Use at any time. If we modify these Terms of Use, we will post the
modified Terms of Use on the website or otherwise provide you with notice of the modified Terms of
Use. By continuing to access or use the website or any product or service offered on the website
after we have posted the modified Terms of Use or otherwise provided you with notice of the modified
Terms of Use, you agree to be bound by the modified Terms of Use.
ARBITRATION AGREEMENT
If you have a dispute with the companies, and you and the companies are unable to
resolve the dispute by using the Informal Dispute Resolution Process set forth below, you and
the companies agree that upon demand by either you or the companies, the dispute will be
resolved through binding arbitration, except that you and the companies each retain the
right to pursue in small claims court any dispute that is within that court’s jurisdiction.
A “dispute” is any unresolved disagreement between you and the companies, including,
without limitation, any dispute related to the website or any product or service offered on the
website, regardless of when the claim arose (including claims that arose before these or any prior
Terms of Use), and includes claims based on contracts, torts, statutes, regulations, common law, and
equitable claims. An “arbitration” is a less formal alternative to a lawsuit or jury trial in court.
A neutral third party, called an arbitrator, decides the dispute. The arbitrator applies the same
law and can award the same individualized remedies that a court could award, but uses streamlined
procedures to simplify the process and reduce costs. The arbitrator’s decision is legally binding,
and is subject to very limited review by courts. All statutes of limitation applicable to any
dispute shall apply in any arbitration between you and the companies.
You and the companies agree that, to the fullest extent legally permissible: (1) you are
each waiving the right to a jury trial or a trial before a judge in a court; (2) you and the
companies may each bring claims against the other only in an individual capacity, and neither
you nor the companies shall be entitled to include in any arbitration any dispute as a
representative or member of a class, or as a private attorney general, or participate as a class
member in any class action; (3) neither you nor the companies shall be entitled to join
or consolidate claims by or against others in any arbitration; and (4) the arbitrator may award
declaratory or injunctive relief only in favor of the party seeking relief, and only to the extent
necessary to provide relief warranted by that party’s individual claim. If any of this paragraph’s
limitations are determined to be unenforceable with respect to a particular claim or request for
relief (such as declaratory or injunctive relief), then such claim or request for relief shall be
decided by a court of competent jurisdiction, after all arbitrable claims and requests for relief
(including any other requests for relief with respect to that particular claim, such as individual
damages or restitution) are arbitrated.
Customer Support is available and can usually resolve any concerns you may have. If that
does not work, you and the companies agree that if you have a dispute with the companies, the first
step in the Informal Dispute Resolution Process is for you to send a written Notice of Dispute by
certified U.S. Mail to Suze Orman Media, P.O. Box 4084, Santa Monica, California 90411-4084. If the
companies have a dispute with you, the companies will send a written Notice of Dispute by certified
U.S. Mail to the most current postal address that they have for you in their records, and by email
to the most current email address that they have for you in their records. The Notice of Dispute
must include all of the following information: (a) the claimant’s name, address, and phone number;
(b) the email address associated with the account at issue (if any); (c) the product or service (if
any) to which the claim pertains; (d) a description of the nature and basis of the claim; and (e) an
explanation of the specific relief sought. The Notice of Dispute must be personally signed by you
(if you are the claimant) or by a representative of the companies (if we are the claimant).
You and the companies each agree to try and resolve the claim, but if the claim is not
resolved within 60 days after the Notice of Dispute is received, then you or the companies may
initiate an arbitration using the procedures set forth below. Any arbitration cannot be commenced
until after this 60-day informal dispute resolution period has ended. Any applicable statutes of
limitation will be tolled for this 60-day period.
During this 60-day period, either you or the companies may request an individualized
discussion (by phone call or videoconference) regarding settlement of the dispute, and you and the
companies agree to work together in good faith to select a mutually agreeable time for the
discussion. You and a company representative must personally participate in the settlement
discussion, unless otherwise agreed in writing. Your and the companies’ lawyers (if any) can also
participate. If the dispute is not resolved through the Informal Dispute Resolution Process, and
proceeds to arbitration, the amount of any settlement offer made by you or the companies may not be
disclosed to the arbitrator.
Each of the foregoing requirements are essential so that you and the companies have a
meaningful opportunity to resolve disputes informally. If any of these Informal Dispute Resolution
Process requirements have not been satisfied, a court may enjoin the filing or prosecution of an
arbitration, and the arbitration administrator may decline to accept or administer an
arbitration.
Each arbitration, including the selection of the arbitrator, will be administered by the
American Arbitration Association (the “AAA”) according to its Consumer Arbitration Rules (the “AAA
Rules”). The AAA Rules are available online at www.adr.org, or by calling the AAA at 1-800-778-7979.
In the event of any inconsistency between the AAA Rules and this Arbitration Agreement, this
Arbitration Agreement shall be controlling.
If the claim is not resolved after expiration of the 60-day informal dispute resolution
time period, either party may demand arbitration of a dispute, regardless of whether a lawsuit or
other proceeding has previously been commenced. Either party may demand arbitration by completing
the Consumer Demand for Arbitration Form provided for that purpose, and following the instructions
on the form. The form is available on the AAA’s website, www.adr.org, or by calling the AAA at
1-800-778-7979. If you demand arbitration, you must send a copy of the form or other demand, by U.S.
Certified Mail, addressed to: Suze Orman Media, P.O. Box 4084, Santa Monica, California 90411-4084.
If the companies demand arbitration, you will be sent a copy of the form or other demand, by U.S.
Certified Mail, at the most current postal address that the companies have for you in their records,
and at the most current email address that the companies have for you in their records.
If you file a Consumer Demand for Arbitration, the companies will pay or reimburse you for
the cost of the initial filing fee. If your claim is for less than $10,000, the companies will pay
all of the AAA’s administrative fees and the arbitrator’s fees, including the initial filing fee. If
your claim is for more than $10,000, and applicable law or the AAA Rules limit the amount of
arbitration fees payable by you, the companies will pay all of the AAA’s administrative fees and the
arbitrator’s fees in excess of this limitation. Except as otherwise provided by applicable law, each
party will remain solely responsible for their own attorneys’ fees and expenses incurred in
connection with the arbitration.
You and the companies agree that: (1) the parties are participating in transactions
affecting interstate commerce; (2) this Arbitration Agreement and any resulting arbitration are
governed by the Federal Arbitration Act (Title 9 of the United States Code); (3) the arbitrator
shall decide any dispute regarding the existence, scope, or validity of this Arbitration Agreement,
the arbitrability of any claim, or the interpretation, application, or enforceability of this
Arbitration Agreement or any of its provisions; (4) neither party will disclose, to any third party,
any information obtained from the other party in the arbitration proceeding, except as required by
applicable law; (5) the arbitrator will not be bound by any arbitration award, finding of fact, or
conclusion of law issued in any other arbitration proceeding involving only one of the parties; and
(6) if, for any reason, the AAA declines to administer the arbitration, another arbitration provider
shall be selected by the parties, or if the parties are unable to agree on an alternative
administrator, by a court pursuant to 9 U.S.C. § 5.
This Arbitration Agreement shall survive the termination of any other contract between you
and the companies.
SMS/Mobile Text Messages Terms of Use
Suzeorman.com may have a registration to receive SMS text messages from Suze Orman alerts. When you register, you will receive text messages which may include event/webinar reminders, product updates, promotions and special offers, and other promotional updates. You will receive text messages from 809908 on your mobile number. Message frequency may vary. Message & Data rates may apply. Carriers are not liable for delayed or undelivered messages.
For additional help, text HELP to 809908 or call (844) 930-5537. You may request removal at any time by texting STOP to 809908. Suze Orman respects your right to privacy. Privacy Policy.
The companies own the copyright for all the material on the website and all the products
and services offered on the website or have the right to use same. The companies also own or have
the right to use all trademarks, service marks, and trade names used on this website and all the
products and services offered on the website.
No part of this website may be copied, reproduced, republished, uploaded, posted,
transmitted, or distributed in any way, except that you may download one copy of the website
materials on any single computer for your personal, non-commercial home use only, provided you keep
intact all copyright, trademark and other proprietary notices on the materials. Any modifications of
the materials or use of the materials for any other purpose is a violation of the companies’
copyright and other proprietary rights. The use of such material on any other website or computer
network without the companies’ written consent is strictly prohibited. Your use of the trademarks,
service marks and trade names on this website or any product or service offered on the website in
any manner other than as authorized in this Terms of Use, or as otherwise authorized in writing by
us, is strictly prohibited.
All comments, suggestions, graphics, ideas (including products and advertising ideas), and
other information and materials you submit to the companies though this website will become and
remain the exclusive property of the companies, including any future rights associated with such
submissions, even if these Terms of Use are later modified or terminated. Accordingly, you disclaim
any proprietary rights in such submissions, and you acknowledge the companies’ unrestricted right to
use them (or materials or ideas similar to them) in any medium, now or in the future, without
notice, compensation or other obligation to you or any other person. Moreover, the companies have no
obligation to keep your submission confidential.
The companies control and operate this website from within the United States of America.
Unless otherwise specified on or within this website, this website is intended to promote only those
products or services that are sold by the companies in the United States and its territories, and
the companies make no representation that materials in this website, any products or services
offered on the website, or the conduct described thereby are appropriate or available for use in
other locations. All visitors to this website and purchasers or users of any product or service
offered on the website are responsible for compliance with all local laws applicable to them with
respect to the content and operation of this website or the use of such products or services.
For your convenience and enjoyment, this website may provide links to other websites that
are not operated by the companies. These links do not necessarily mean that the companies endorse,
approve, or sponsor any information available at the linked site or any products that may be sold
there, nor are the companies liable for any damage that might result from your use of such
information or products. User activity on those sites is covered by the terms of use and privacy
policies on those sites.
The material in this website (including any graphics, recommendations or other material)
and any products or services made available through this website are provided “as is” and without
warranties of any kind, express or implied. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE
LAW, THE COMPANIES HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT
LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND
NON-INFRINGEMENT. THE COMPANIES DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE
RESULTS OF THE USE OF THE MATERIALS IN THIS WEBSITE OR THE PRODUCTS AND SERVICES OFFERED ON THE
WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. The materials in this
website and the products or services offered on the website could include technical inaccuracies or
typographical errors. This material could be inaccurate or become inaccurate as a result of certain
developments occurring after the respective dates of the material contained in this website or the
products and services offered on the website. The companies undertake no obligation to verify or
maintain the currency of such information.
The companies endeavor to maintain this website and its operation, but are not, and cannot
be, responsible for any defect that may exist in the website or its operations. AS TO THE OPERATION
OF THE WEBSITE, THE COMPANIES HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED,
INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, TITLE AND NON-INFRINGEMENT. THE COMPANIES MAKE NO WARRANTY THAT (I) THE OPERATION OF THE
WEBSITE WILL MEET THE USER’S REQUIREMENTS; (II) ACCESS TO THE WEBSITE WILL BE UNINTERRUPTED, TIMELY,
SECURE, FREE OF VIRUSES, WORMS, MALWARE, TROJAN HORSES OR OTHER HARMFUL COMPONENTS, OR FREE OF
DEFECT AND ERRORS; (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE WILL BE
ACCURATE OR RELIABLE; OR (IV) DEFECTS WILL BE CORRECTED. You (and not the companies) assume the
entire cost of all services, repairs, or corrections that may be necessary for your computer
equipment and software as a result of viruses, errors or any other problems whatsoever you may have
as a result of visiting this website.
UNDER NO CIRCUMSTANCE SHALL THE COMPANIES BE LIABLE FOR ANY DAMAGES OR INJURY, INCLUDING
ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR OTHER DAMAGES, THAT MAY RESULT FROM THE
USE OF, OR THE INABILITY TO USE, THE WEBSITE, ANY MATERIAL IN THIS WEBSITE, OR ANY PRODUCT OR
SERVICE OFFERED ON THE WEBSITE, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS
ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE WEBSITE OR PRODUCTS OR
SERVICES OFFERED ON THE WEBSITE. THE COMPANIES SHALL NOT BE LIABLE EVEN IF THE COMPANIES HAVE BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. These include but are not limited to damage or injury
caused by error, omission, interruption, defect, failure of performance, delay in operation or
transmission, line failure or computer virus, worm, malware, Trojan horse or other harmful
component.
Applicable law may not allow the exclusion of certain warranties or the limitation or
exclusion of liability for incidental or consequential damages. Accordingly, some of the above
limitations or exclusions may not apply to you. However, IN NO EVENT SHALL THE COMPANIES’ TOTAL
LIABILITY TO YOU FOR DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR IN TORT,
INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR
ACCESSING THE WEBSITE OR PURCHASING THE PRODUCT OR SERVICE.
The companies may from time to time monitor or review discussions, chats, postings, and
other transmissions on this website. However, the companies are under no obligation to do so and
assume no responsibility or liability arising from the content of any such transmission or for any
error, defamation, libel, slander, omission, falsehood, pornography, profanity, danger, illegality
or inaccuracy contained in any information transmitted to any such locations on this website. You
may not post or transmit any unlawful, threatening, libelous, defamatory, obscene, scandalous,
inflammatory, pornographic or profane materials or any other materials that could be considered or
encourage conduct that would be considered a criminal offense, give rise to civil liability or
otherwise violate any other laws. The companies will fully cooperate with any law enforcement
authorities or court order requesting or directing the companies to disclose the identity of anyone
posting such information or materials. The companies may also disclose such information if they have
a good faith belief that such disclosure is reasonably necessary to protect the rights, property, or
personal safety of the companies, their employees, customers or the public.
You agree to indemnify, hold harmless and defend the companies, their officers, directors,
employees, agents, licensors, licensees, assigns, suppliers and any third party providers of
information, products or services to the website, from and against any action, cause, claim, damage,
debt, demand or liability, asserted by any person, arising out of or related to: (i) these Terms of
Use; (ii) your use of this website or any product or service offered on the website, including any
data or work downloaded, transmitted or received by you; and (iii) any libelous, slanderous,
indecent or other statement concerning any person made or republished by you.
This website or products or services offered on the website may provide a “Help” file or
other instructions for the use of this site. However, you understand that the companies are under no
obligation to provide any support for the use of the website or products or services offered on the
website.
These Terms of Use and any disputes arising under or related to these Terms of Use
(whether for breach of contract, tortious conduct or otherwise) will be governed by the internal
laws of the State of California, without reference to its conflict of law principles.
No failure on the part of the companies to enforce any part of these Terms of Use shall
constitute a waiver of any of the companies’ rights under these Terms of Use whether for past or
future actions on the part of any person. Neither the receipt of any funds by the companies nor the
reliance of any person on the companies’ actions shall be deemed to constitute a waiver of any part
of these Terms of Use. Only a specific, written waiver signed by an authorized representative of the
companies shall have any legal effect whatsoever.
Last updated: December 12, 2023
