You can access PennyDir.com website content (free & paid) and it's social and video accounts ONLY under condition that you red, understood and agreed to be bound by these therms and conditions in its entirety. If you do not agree to these terms and conditions (or any part their of) you MUST not access ANY and ALL of our content and immediately abandon even merely browsing through our website content and social media and video accounts.

GENERAL

www.PennyDir.com (“website”) is an educational website from Victorious Marketing (“firm”, “us”,”we”), which firm is registered and operating in the Republic of Ireland.

ANY and ALL content provided via PennyDir website, it's social media & video accounts (or any and all media), free or paid, is ONLY for educational and informational purposes and should not and cannot be treated as tax, legal, financial or investment advice.

PennyDir.com, Victorious Marketing, Author of the content IS NOT licensed investment advisor (broker-dealer, financial advisor, qualified financial adviser) in NO jurisdiction, especially NOT in (but not limited to) the USA, the UK, Canada, Australia, the Republic of Ireland & the European Union.

We DO NOT recommend buying of any stocks and we DO NOT guarantee or promise any financial results. Former performance of any stock pattern published by us does not guarantee it's future results.

You understand and agree that you, not us are solely responsible for doing your own due diligence and researching stock market to have your very own opinion of what will work in your particular case.

You understand and agree that you WILL NOT rely on any information provided by us, but you will perform your own research to decide about any particular stock transaction. You understand that you must always check your financial decisions with your own qualified financial advisor.

You understand that there is a big risk in trading any stocks, and biotech penny stocks in particular. You also understand that you should not trade with money which you cannot lose.

DISCLAIMER OF WARRANTIES

YOU UNDERSTAND AND AGREE THAT THE CONTENT, PRODUCTS, AND SERVICES PROVIDED BY FIRM OR AUTHOR ARE PROVIDED ON AN “AS IS” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSD OR IMPLIED. FIRM AND AUTHOR EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, ADEQUACY, ACCURACY, RELIABILITY, USEFULNESS OR COMPLETENESS OF ANY OF THE INFORMATION PROVIDED.

LIMITATION OF LIABILITY

NEITHER FIRM NOR AUTHOR WILL BE LIABLE FOR ANY DAMAGES ARISING OUT OF ANY OF THE FIRM WEBSITES AND MATERIALS AND CONTENT.

INDEMNIFICATION

As a condition of your use of the Firm Website and Content, you agree to indemnify and hold the Firm and the Author harmless for any claims.

Any matters that cannot be resolved by mutual agreement, will be resolved by the courts of the Republic of Ireland.