Privacy Policy- Cookies Policy – Terms of Use (TOU)

Privacy Policy- Cookies Policy – Terms of Use (TOU)

We offer you free financial information carefully gathered every day from various sources and compile it for you to use for free but please read and accept our Terms And Usage Policy below. Thank you.

This Privacy Policy describes our best practices concerning the information presented on our website

Who we are

Our website address is: And we offer free financial information carefully gathered every day from various sources and compile it for you to use for free.

DISCLAIMER – The website is self financed and offered free without the need to log-in or create any type of account. ☘

Our Editorial Policy Terms

Updated February 15 2021

Our intention is to simplify and make available for free the complicated financial information provided so that our blog readers can manage to understand easily the fundamentals of their financial life and help them reach financial freedom through knowledge. If you are investing as a beginner investor or an expert seasoned investor we recommend that you start financial planning before your retirement, taking a student loan, buying an expensive house or running a small business. If you have questions that need answering then we will do our best to present you with our financial knowledge.

We started the same way and through our success we want to share our financial knowledge through our articles to all our interested readers.

Our Editorial Principles

Context: We put perspective in context and provide you all the important facts that we can find available. Our articles are carefully researched and they are never intended to support any specific economic or political viewpoint.

Accurate information: Accurate financial information presented clearly and updated regularly is what we strive for every day.

Intimidating: Finance can be hard to understand and intimidating. We help you with information that you can use with whatever your level of investor experience is.

Our Editorial Ethics

We are striving to follow the Codes of Ethics (SABEW) and always keep our information professionally presented and as simple as possible so all our readers can understand. content is for informational purposes only and is not intended to substitute for the advice of a licensed or certified financial advisor, or other certified financial professionals.

Our Quality Standards

Our every article published has a multitude of people behind, daily working to make sure that it is accurate, understandable and helpful.

The Third Party Content

Absolutely all third-party content is reviewed by our editorial team and any such content is labeled clearly to notify you of its source.

Advertising Disclosure

Updated February 15, 2021 contains some advertising tabs, but maintains a clear separation between advertising and our editorial content. We use advertising tabs in such a way that advertising will not interfere with your reading experience. This is done with good page design management and a reduced number of adverts per page.

How Makes Money

The adverts placed on this website are the only income we have from our published articles. In time we hope to grow larger and still be able to offer our articles free of charge the same way as we did in the past. Your help and recommendation promoting our website will go a long way and keep us enabled to offer our editorial publications free of charge to all visitors without the need to register any account with us.

Our Privacy Policy

Updated February 15, 2021

At, we respect your privacy, and we understand the importance of the information you entrust to us. This Privacy Policy describes our practices concerning the information collected by our website during your commentary posts or simple website visits.

This Privacy Policy applies to all personal information we collect or process about anybody visiting our website. Personal information is information, or a combination of pieces of information, that could reasonably allow you to be identified. Below we describe what information we collect when you use our Services, how we protect that information, how long we retain it, with which we share it, and what your privacy options are. By using the Services, you consent to our collection and use of your information as described in this Privacy Policy. The Privacy Policy is incorporated by reference into and is made a part of the Terms of Service.

Our Services are intended for general audiences over the age of 18 years old. We do not knowingly collect information from children under the age of 18 years old. 

1. Information We Collect About You

We collect personal information about you from you directly (e.g. when you contact us), information we generate about you when you browse our website (data collected from cookies and other similar technologies which is described in our Cookie Policy, (where permitted by law).

Third Parties

Third-parties who provide us with products and services may also place cookies, ad tags and/or beacons that collect the information outlined above in order to provide us with products and services including: 

  • Analytics tools (like Google Analytics) allowing us to analyze the performance of our Services.
  • Service features and functionalities such as those that enable videos to be played and you to connect to your social media accounts.
  • Advertisers and ad networks allowing the delivery of targeted advertisements. 

These third parties may also collect information about you from other sources and combine it with other information collected about you from third party websites not affiliated with us.

Do Not Track: Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. DNT is a way for users to inform websites and services that they do not want certain information about their webpage visits collected over time and across websites or online services.

2. Do We Use Your Personal Information?

We do not plan nor wish to use any of your personal information. We just publish articles for free to all readers equally.

3. Linked Sites and Advertisements

Our articles at occasion may contain links to third-party websites. We are not responsible for the privacy practices or the content of those third-party websites. We have relationships with third-party providers to provide content, products, services, and functionality through the Services. Such information providers may collect information from you directly, in which case the provider’s privacy policy (which may differ from this Privacy Policy). We are not responsible for the information collected by third parties accessed through our website.

Cookie Policy

Updated February 15, 2021

The term “cookies” in this policy is to refer to cookies and all such similar technologies that collect information automatically when you are using our website. We use cookies, pixel tags, web beacons, mobile device IDs and similar files or technologies to collect and store the information automatically about your computer, device, and Service usage.

If you do not want to accept the use of cookies then please disable them.

What are cookies?

Cookies are text files containing information which are downloaded to your computer or mobile device when you enter a new website. Cookies are then sent to the originating website on each new visit or to another website from that cookie. Cookies are mainly used to make websites work, or to work more efficiently. They are in important part of our websites.

Cookies do a lot of different jobs, like letting you navigate between pages efficiently and improving the user experience. There are 2 types of cookies:

  • 1st party cookies, served directly from us to you;
  • 3rd party cookies, which are served by a third party on behalf of us. We need to use third party cookies for our website analytics, advertising, and social media purposes.

What types of cookies do we use?

The types of cookies used by us and our partners in connection with the Services can be classified into one of five categories, namely ‘essential website cookies’, ‘functionality cookies’, ‘analytics and performance cookies’, ‘advertising cookies’, and ‘ social media cookies’. We’ve set out some further information about each category, and the purposes of the cookies we and third parties set in the following table.

How to control or delete cookies

You have the right to choose whether or not to accept cookies and we have explained how you can exercise this right below. However, please note that if you choose to refuse cookies you may not be able to use the full functionality of our websites.

  • Most browsers allow you to change your cookie settings. These settings will typically be found in the “options” or “preferences” menu of your browser.
  • If you only want to limit third party advertising cookies, you can turn such cookies off by using self-regulatory programs such as Your Online Choices, Network Advertising Initiative, or Digital Advertising Alliance. 

Terms of Use

Updated February 15, 2021


This TOU, and any applicable TOS, constitute an entire agreement between each website visitor and governing the visitor’s access to and use of the Site and its Services, and supersede all prior agreements regarding its subject matter.

We welcome you to our website. By visiting us and using this Site you will be accepting these Terms of Use (“TOU“). This TOU governs your access to and use of the Site and any of the Services we provide through the Site Please read them carefully and if you disagree with the TOU in any way, then do not use this Site or any of the Services. We reserve the right to post changes to the TOU on this Site at any time. If we make any material changes to this TOU, we will post the updates here. If any TOU changes are not acceptable by you then you must stop your use of this Site.

Sites and Services

We cannot and do not guarantee that your access to this Site or any of our services will be uninterrupted or error free, and shall not be liable for any feature not being accessible or any unavailability. Our website and its features may be limited or modified at any time. assumes no responsibility for any failure to access the Site or any of our Services, partially or fully, whether due to the User’s system, the Internet network or any other cause.

Broker Reviews

In the event that makes publications of reviews of any online brokers, the below applies in addition to the rest of the TOU. You may not ever reproduce, upload, distribute or publicly display or sell or publish or copy, or otherwise use any of our reviews, or any content or materials provided in connection with any reviews we make on our website.

Each Review is provided for informational purposes only. team cannot guarantee that any information provided in a review will be fully accurate or 100% complete and we make no representations or warranties regarding the quality of our content or reviews.


We do not provide any information or services intended for minors. You may not use this website in any way if you are under 18 years of age.

No Individual Investment Advice

This Site does not provide individual or customized legal, tax, accounting, or investment services. Since each individual’s situation is unique, a qualified professional should be consulted before making financial decisions.

Message Web Site Content Limitations

We make no guarantees as to the accuracy, thoroughness or quality of the information on this Site is provided and the information is provided for the User’s sole risk. This information may be modified by third parties and shall not be responsible or liable for any errors, omissions or inaccuracies in the Site content. The information and investment or legal strategies provided at this Site are neither comprehensive nor appropriate for every individual. You are advised to verify any information before using it for any personal, financial, accounting, legal, or business purpose.

Third Party Content

Any testimonials, opinions, advice, product or service offers, or other information or content made available on or through this Site by third parties (“Third Party Content”) are solely those of their respective providers and not of which does not guarantee the accuracy or reliability of Third Party Content. It is the responsibility of the User to evaluate Third Party Content and shall not be liable for any damage or loss caused by User’s use of Third Party Content.

Content Posted by Users

To the extent we enable you to, and you choose to post or share any content or materials, on our built in forum and blog comment boxes you are sole responsible of the effect of your commentary.

If you choose to interact with other users, on our forums, please be respectful and use common sense when posting comments. Remember that anything you post online may be perpetually available and is not confidential or private. Please do not post anything you should not be sharing or make public. Academy

Use our website for Informational Purposes Only. We do not and cannot provide you legal, accounting, investment or financial advice. You are solely responsible for confirming the accuracy and appropriateness of the information for your own uses with your tax, finance, or legal advisors. is not an accredited educational institution, nor an educational or any other type of institution. We simply provide some information for free with no strings attached and we gather that information our self from free sources.


At occasion and as a useful tool to our visitors, the website may provide links to other sites or resources. shall not be responsible or liable for use of or reliance on any content, products, services or information at such sites or resources. Inclusion of any links does not imply any endorsement, affiliation or approval, by of the linked websites and resources.

Prohibited Conduct

The following activities are strictly prohibited:

  • Posting unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation (“Spamming”);
  • Postings for any unlawful or fraudulent purpose (including links);
  • Posting of personal information (for yourself or anyone else);
  • Posting materials containing viruses or other malicious or destructive code;
  • Posting of offensive content including profanity, obscenity, racist or pornographic material;
  • Engaging in any activities that are defamatory, violate the personal privacy rights of others, or infringe any person’s rights, including but not limited to, collecting and distributing information about Internet users without their permission, except as permitted by applicable law;
  • Posting any content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, hateful, degrading to others on the basis of gender, race, class, ethnicity, national origin, religion, sexual preference, disability or other classification or otherwise objectionable in any way;
  • Copying, modifying, reverse assemble or otherwise attempt to discover any source code of our website.
  • Reproducing, storing, or distributing content retrieved from this website in any way not authorized by this TOU or for any commercial use.
  • Accessing by any means other than through the interface that is provided by
  • Using the Site or Services to violate any international or domestic law.
  • Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with any person or entity;
  • Manipulating the identifiers in order to disguise the origin of any question, answer or comment you post on the Site;
  • Screen scraping or “database scraping,”; and/or
  • Violations of this TOU or the Privacy Policy.


This website may collect personal information from some Users. Please review our Privacy Policy to understand what information we collect and store, how that information is used, how we may share that information, and your rights in connection with your personal information. The Privacy Policy is incorporated by reference and made a part of this TOU.