In October 2017, less than 2 years ago, I paid Agora $3, 000 for a lifetime subscription to Rickard's Gold Speculator, a weekly publication related to investing in small gold miners. I was pleased with it. Recently, this newsletter was discontinued and Agora Financial unilaterally substituted another publication, Jim Rickard's Project Prophecy, often which appear to be pitches for yet other products sold by Agora and usually has little to do with gold or miners when an occasional recommendation is made. Then, just "coincidentally", Agora's subsidiary Stansberry Research recently initiated what appears to be a quite identical gold mining stock service, Gold Stock Analyst with John Doody. On August 27, 2019, I spoke to "John", a senior account specialist at Agora about this. I inquired into whether there was a substitute publication available specifically for gold mining stocks but he indicated there wasn't. When I inquired about getting switched into the Gold Stock Analyst service, he indicated that wasn't possible. When I inquired about a full or even partial refund of the $3, 000, John said it wasn't refundable. So, in less than 2 years, Agora discontinues a "lifetime" gold mining publication, has no substitute, won't provide a full or partial refund of a lifetime subscription to it, then initiates an almost identical gold stock advisory service service through it's sister publication Stansberry. Highly unethical, if not illegal, in my opinion.