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Terms of Use


By accessing this web site, you are agreeing to be bound by these website 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, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.

Use License

A. Permission is granted to use a copy of the materials on the 12 Points Gold website for personal, non-commercial transitory viewing only. Any use of the materials or information on the site is to be accompanied by a link or other clearly presented attribution to 12 Points Gold. This is the grant of a license, not a transfer of title, and under this license you may not:

  1. modify the materials;
  2. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  3. remove any copyright or other proprietary notations from the materials; or
  4. “mirror” the materials on any other server.

B. This license shall automatically terminate if you violate any of these restrictions.


By using this site, and the information herein, you agree that in no event shall 12 Points Gold 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 12 Points Gold’s Internet site, even if a 12 Points Gold authorized representative has been notified orally or in writing of the possibility of such damage.

Revisions and Errata

The materials appearing on the 12 Points Gold web site could include technical, typographical, or photographic errors. 12 Points Gold does not warrant that any of the materials on its web site are accurate, complete, or current. 12 Points Gold may make changes to the materials contained on its web site at any time without notice. 12 Points Gold does not, however, make any commitment to update the materials.


12 Points Gold has not reviewed all of the sites linked to its Internet website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by 12 Points Gold of the site. Use of any such linked web site is at the user’s own risk.

Use Of Pictures

You may use the pictures posted on 12 Points Gold if you provide a credit link back to

Legal Age

You may not use the Services and may not accept the Terms if 1) you are not of legal age to form a binding contract with 12 Points Gold, or 2) you are a person barred from receiving the Services under the laws of the United States or other countries including the country in which you are resident or from which you use the Services.

Limited Liability

By using and accessing this Website, you agree at all times to indemnify and hold harmless us, as well as any related parties, from and against any and all claims related to this Website or its Content. We will not be responsible or liable in any way for your use of the information or materials provided on this Website. We assume no liability for any injuries, damages or other losses alleged in connection with your use or access of this Website. If you use this Website and/or its Content, we assume no responsibility. We will not be liable to any party for any type of direct, indirect, special, incidental, equitable and/or consequential damages for your use, reliance, actions or failures to act related to the information on this Website.

Governing Law

Any claim relating to the 12 Points Gold website shall be governed by the laws of the State of North Carolina without regard to its conflict of law provisions.

Site Terms of Use Modifications

12 Points Gold 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.


All content included on this site, such as text, graphics, logos, icons, images, audio/video clips, charts, research, is the property of Chief Advice LLC and is protected by United States and international copyright laws.

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