By using this site, you acknowledge and agree to be bound by these disclaimer terms as well as terms of use which can be reviewed here.

Short Terms and Conditions Outline

IN SIMPLE TERMS – You acknowledge and agree you alone are responsible for your actions and decisions regarding use of You acknowledge and agree that the author is not a financial planner or adviser and has no accreditation or degrees but is only a personal investor. What you read are the author’s ideas only and not financial advice or recommendations. You acknowledge and agree there are links to ads that has little to no control over which the author may receive a commission from. If you click an ad you accept responsibility for their content and any decisions you may make. You acknowledge and agree there are no refunds on digital product bought or memberships. You acknowledge and agree losses can be large when investing and you are making your own trade decisions and agree to hold the author of free or any liability of any kind.

By using you acknowledge you have read and agreed to the following disclaimer terms which apply to both the public and members website and its content:

1. Your Always Trade At Your Own Risk

You always trade at your own risk. Stocks, options and investing are risky and can result in considerable losses. None of the strategies, stocks or any information discussed and presented are financial or trading advice or recommendations. They are for entertainment and education purposes only. You always trade at your own risk. It is important to understand the investments you are placing your capital into and what the risks associated with those investments are.

The author assumes no liability including for errors and omissions. Everything presented are the author’s ideas and opinions only. There are considerable risks involved in implementing any investment strategies. The author does not provide financial advice of any kind.

The stocks, options and strategies discussed are simply ideas only and are in no way financial advice or recommendations. The author may or may not at any time be holding securities discussed. The author may or may not enter the trades mentioned. Some positions in mentioned stocks may already be held or are being adjusted or are simply examples, ideas or discussion topics. You are always trading at your own risk.

2. Nothing Is Financial Advice or Recommendations

With every article on, you trade at your own risk. Investing can and does result in losses. The author accepts no responsibilities for your trades and investments or your decisions made.

Nothing on the site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or product. The author is not offering any professional advice of any kind.

You acknowledge that you understand the author is not a financial planner or analyst and does not hold financial degrees or any accreditation. The author is an individual investor only. What you read on including the Members section, are the author’s personal ideas and opinions only and are not financial advice, trading advice or investment recommendations. is for reading enjoyment, entertainment and personal interest only. No real-time trading is offered or encouraged.

The author may or may not at any time be holding securities discussed. The author may or may not enter the trades mentioned, illustrated or discussed. Some positions in mentioned stocks may already be held or are being adjusted or are simply examples, ideas or discussion topics.

It is important to understand that stocks, options and investing in general are risky and can and often do result in considerable loss.

3. No Responsibility For Access / Provision of Services

The author accepts no responsibility for any downtime, browser issues, compatibility issues, access issues of any kind. It is understood that including the paid Members Sections are not real time trading and does not offer any such service. The author accepts no responsibility for lost emails, twitter being inaccessible, or website being down or slow.  You agree and acknowledge that the author of is entitled to modify, improve or discontinue any of its services at its sole discretion and without notice to you even if it may result in you being prevented from accessing any information contained in it.

4. Refunds Of Products Sold

Once a product is purchased and downloaded, there are no refunds as the digital content is now on the purchaser’s equipment or device. Purchased product remains the property of the author of and may not be copied, resold, distributed, reproduced or posted to other locations or websites in whole or in part without the written permission of the author of

5. Refunds Of Memberships Paid

There are no refunds of any paid membership. It is strongly suggested that new members purchase a one month only membership to determine the suitability of content before subscribing to a longer period.

6. Investing Tools

Investing tools are not financial advice or recommendations but are for entertainment and education purposes only. There are no guarantees on data and chart accuracy or timeliness. By using these tools you are agreeing to this full disclaimer.

7. Forums and Comments

The forums on and any and all comments are the ideas and opinions of the individual who posted to the forums or left their comment. They are not recommendations or financial advice or a solicitation of any kind. They are individual opinions and comments only.

8. Copyright Of Content

All information including articles and charts are the property of the author of Nothing may be republished without the written permission of the author.

9. Paper Trading To Learn

Most brokerage firms, including discount firms, offer paper trading accounts. These accounts are like real accounts and often trade in real-time, but they do not use actual capital. They allow an investor to learn how to invest before risking actual capital. Remember that losing capital is a common occurrence in investing in any kind of asset whether stocks, bonds, commodities, options or a myriad of other investing methods. To avoid losses as much as possible, paper trading allows an investor to study a strategy and determine its effectiveness and usefulness prior to risking actual capital.

10. Cookies, Privacy and Gathering Of Information Notice

Any forms which gather information is not sold, or used in any way other than to stay in contact with you if you have requested to be contacted. If you provide personal contact details, they are never given to any third party, nor sold or stored. Information gathered for the email updates is used to send out update emails only. You may unsubscribe at any time by selecting the unsubscribe link which is in every update notice sent or by emailing directly to At times out website may use cookies to provide more pertinent information to you through ad placements on On the members site cookies are used to allow easier access for members through the various login forms including multi-day access without having to continually log back into your account.

11. FTC Disclosure for website contains both free and paid membership content available for everyone.

Across the site there are a variety of posts, pages, tools and related products focusing on DIY investing. Every post, page, tool and related products remain the property of the author of The author assumes no liability for errors and omissions or content and nothing read is financial advice or recommendations. and its author receives commission if you click on any of the ad links on the website. and its author do not endorse any product other than those clearly marked as belonging and developed by the author of You accept any and all risk associated with any product that may be seen through ad links on the website that take you away from

13. Proprietary Rights

You acknowledge and agree that may contain proprietary and confidential information including trademarks, service marks and patents protected by intellectual property laws and international intellectual property treaties. The author of authorizes you to view and make a single copy of portions of its content for offline, personal, non-commercial use. All content may not be sold, reproduced, reposted to any other website or distributed in whole or in part without written permission. Any third-party trademarks, service marks and logos are the property of their respective owners. Any further rights not specifically granted herein are reserved.

14. Submitted Content and Forms

When you submit content or send content and questions via forms to you simultaneously grant an irrevocable, worldwide, royalty free license to publish, display, modify, distribute and syndicate your content worldwide. You confirm and warrant that you have the required authority to grant the above license to .

15. Termination of Agreement

The Terms of this agreement will continue to apply in perpetuity until terminated by either party without notice at any time for any reason. Terms that are to continue in perpetuity shall be unaffected by the termination of this agreement.

16. Disclaimer of Warranties

There are no warranties or guarantees of any kind. You understand and agree that your use of is entirely at your own risk and that all services are provided “As Is” and “As Available”. The author of does not make any express or implied warranties, endorsements or representations whatsoever as to the operation of the website, information, content, materials, or products. This shall include, but not be limited to, implied warranties of merchantability and fitness for a particular purpose and non-infringement, and warranties that access to or use of the service will be uninterrupted or error-free or that defects in the service or content will be corrected.

17. Limitation of Liability

By using you agree and acknowledge that the author of and any of its subsidiaries or affiliates shall in no event be liable for any direct, indirect, incidental, consequential, or exemplary damages. This shall include, but not be limited to damages for loss of profits, loss of capital, errors made in content, your investing decisions, any interruption of services, business reputation or goodwill, loss of programs or information or other intangible loss arising out of the use of or the inability to use the service, or information, or any permanent or temporary cessation of such service or access to information, or the deletion or corruption of any content or information, or the failure to store any content or information. The above limitation shall apply whether or not the author of has been advised of or should have been aware of the possibility of such damages. In short you accept full responsibility for your investing decisions.

18. External Content may include hyperlinks to third-party content, advertising or websites. You acknowledge and agree that the author of is not responsible for and does not endorse any advertising, products or resource available from such resources or websites and does not make any guarantees of any kind including dead links or link errors, viruses, malware or corrupted link or content. The author of suggests viewers do not believe get rich quick schemes or any advertising that seems “too good to be true”. The author of has little to no control of advertising content and accepts no liability and offers no warranties of any advertisement or offers that may from time to time appear as these are controlled by companies such as Google Adsense.

19. Jurisdiction

You expressly understand and agree to submit to the personal and exclusive jurisdiction of the courts of the country, state, province or territory determined solely by the author of to resolve any legal matter arising from this agreement or related to your use of If the court of law having jurisdiction, rules that any provision of the agreement is invalid, then that provision will be removed from the Terms and the remaining Terms will continue to be valid.

20. General Agreement

You understand and agree that the above Disclaimer Terms constitute a general agreement between you and the author of FullyInformed. You acknowledge that you are also subject to the Terms and Conditions and you may be subject to additional terms and conditions when you use, purchase or access other services including the Members Only content and tools as well as affiliate services or third-party content or material.

21. Changes to the Disclaimer

The author of reserves the right and sole discretion, without notice, to modify this Disclaimer and Terms from time to time. Changes to the Disclaimer and Terms become effective on the date they are posted and your continued use of after any changes to will signify your agreement to be bound by them.