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Terms and Conditions

These Terms of Use (“Terms”) represent a legally binding agreement between you, whether personally or on behalf of an entity (“you”), and the author (the “Content Creator,” “we,” “us,” or “our”) of the investment blog and blog website (collectively, the “Blog”). These Terms govern your access to and use of the Blog. By accessing and using the Blog, you agree that you have read and accept these Terms in full. If you disagree with these Terms or any part of these Terms you must not access or use the Blog. The Blog is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to access or use the Blog.


We reserve the right, in our sole discretion, to make changes or modifications to these Terms at any time and for any reason. We will alert you of any changes by updating the “Last Updated” date of these Terms. You waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms by your continued access or use of the Blog after the date such revised Terms are posted.


The Blog is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would be subject to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Blog from locations outside of the United States do so on their own initiative and are solely responsible for compliance with applicable local laws.


By using the Blog, you represent and warrant that: (1) you have the legal capacity to enter into these Terms; (2) you are not a minor in the jurisdiction in which you reside: (3) if you are accessing the Blog on behalf of an entity, you have the authority to legally bind such entity; and (4) your use of the Blog will not violate any applicable law or regulation.


INTELLECTUAL PROPERTY

Unless otherwise indicated, the Content (as defined below) made available by the Content Creator through the Blog is the property of the Content Creator or licensed to the Content Creator and is protected by trademark, copyright, and other intellectual property and unfair competition laws. The term “Content” includes without limitation text, graphics, images, animations, videos, data, designs, logos, button icons, stories, tools, calculators, and the arrangement, collection and assembly of the same. 


Subject to your compliance with these Terms, you are granted a limited license to access, view, display, download, and print the Blog, including the Content contained therein, to which you have properly gained access, solely for your own personal, non-commercial use, and subject to the restrictions set forth herein. We reserve all rights in and to the Blog and the Content not expressly granted.


RESTRICTIONS ON USE

While using the Blog, you represent and warrant that you will comply with all applicable laws, rules, and regulations. In addition, you specifically agree not to:


  • Use the Blog for any unlawful purpose.

  • Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble the Blog or any portion thereof.

  • Reproduce, duplicate, copy, or otherwise exploit the Blog for a commercial purpose.

  • Harvest or collect information about Blog visitors without their express consent.

  • Restrict or inhibit any other visitor from using the Blog, including, without limitation, by means of “hacking” or “cracking” or defacing the Blog or any portion thereof.

  • Remove any copyright, trademark, or other proprietary rights notices contained in the Blog.

  • Frame or mirror any part of the Blog without the Content Creator’s prior written authorization.

  • Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, data mine, or in any way reproduce or circumvent the navigational structure or presentation of the Blog or its contents.

  • Use the Blog in any way that causes or may cause damage to the Blog or impairment of the availability or accessibility of the Blog.


USER FEEDBACK

In the event you provide to Content Creator any feedback, suggestions, ideas, or identification of problems or deficiencies and possible remedies therefor (collectively, “Feedback”) with respect to the Blog or any related product or service provided by Content Creator or its affiliates, you grant us and our affiliates a worldwide, royalty-free, perpetual, irrevocable, fully sub-licensable license to use such Feedback in any ways, including but not limited to providing you or other users with the Blog, improving the Blog, or creating or offering new products or services.


THIRD PARTY PRODUCTS AND/OR SERVICES

The Blog may contain links to other websites and resources (“Third-Party Websites”) or may reference products, services, processes, or other information by trade name, trademark, manufacturer, supplier, or otherwise. Inclusion of such links and references does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator. For the avoidance of doubt, the Content Creator has not reviewed all of the sites linked to in the Blog and is not responsible or liable for the content of any such Third-Party Websites or the products of services offered on such Third-Party Websites. Use of any such linked sites, products, and services will be governed by the agreements and policies relating to the use of these sites, products, and services, and is at your own risk.


Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Websites or your purchase of such products or services.


The Blog may provide information from or links to certain brokerage companies for your convenience only. The Content Creator does not endorse or recommend the services of any brokerage company. The brokerage company you select (and not the Content Creator) is solely responsible for its services to you.


NO INVESTMENT ADVICE

The Blog is published and provided for informational and entertainment purposes only. The information in the Blog constitutes the Content Creator’s own opinions. None of the information contained in the Blog constitutes a recommendation that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific person. You understand that the Content Creator is not advising, and will not advise you personally, concerning the nature, potential, value, or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent any of the information contained in the Blog may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person.


From time to time, the Content Creator or its affiliates may hold positions or other interests in securities mentioned in the Blog and may trade for their own account(s) based on the information presented. The Content Creator may also take positions inconsistent with the views expressed in its messages on the Blog. The Content Creator may hold licenses with FINRA, the SEC, or states securities authorities and these licenses may or may not be disclosed by the Content Creator in the Blog.

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