Terms and Conditions

By using this web site, you agree to be bound by the Terms and Conditions below.  If you do not agree to all of these terms, please do not use this web site or make any purchases from it.

These Terms and Conditions govern your use of, and any purchase from, the Richard Chang Associates web site, and constitute an agreement between you and Richard Chang Associates, Inc.  Richard Chang Associates, Inc. reserves the right to change or modify any of these Terms and Conditions or any policy or guideline of this site at any time, and at its sole discretion.  Any changes or modifications will be effective immediately upon posting of the revisions on this site.

Product Availability And Pricing

All orders are print on demand. No returns or refunds. 
Occasionally, items on our online store are on back order.  If this occurs on your order, we will contact you with the estimated shipping date and determine if you want to make any change to the order.

While we make every attempt to avoid data and/or pricing errors, they may occur.  We reserve the right to correct any and all errors when they do occur and we do not honor inaccurate or erroneous prices.  If a product's listed price is lower than its actual price, we will contact you for instructions before processing your order.  Our prices are subject to change without notice.

Effective July 1, 2015, a $2000 USD minimum product purchase is required on all international (outside the U.S.) orders.  

Third Party Content
We provide links to web sites and content of third parties as a service to those interested.  We do not monitor or have any control over an Third Party Content or third party web sites.  We do not endorse any Third Party Content and make no guarantee as to its accuracy or completeness.  We do not represent or warrant the accuracy of any information contained therein, and undertake no responsibility to update or review any Third Party Content.