Terms

None of it is advice and none of it is an offer. Nothing here is for sale, there is nothing to log into, and the only thing to join is the newsletter.

Everything below is the detail.

There are no visitor accounts here. Nothing to log into, nothing to buy, nowhere to post a comment or upload a file. You read, you download, and you can join the newsletter. Where the site does ask you something, what happens to your answers is set out in the privacy policy rather than here.

Here is what you may do with it, with no permission needed. Read it. Send the link to anyone. Post the link anywhere you like. Quote a line or a paragraph in your own work, with my name on it and a link back to the piece.

Here is what I am asking you not to do. Do not republish a whole piece as your own or under anyone else's name. Do not sell it, put it behind your own paywall, or fold it into a product you charge for. Do not use my name, my face, or this site's design to suggest that I endorse something I have not.

If you want to do something that is not on that list, email me and ask. The answer is usually yes.

I am asking you not to scrape this site in bulk, not to copy it into a dataset, and not to use it to train a machine learning model, without asking me first. That is a request about volume and purpose rather than a complaint about any one reader, and it applies to a company running a crawler exactly as it applies to a person running a script.

If you want a copy of something for a project, ask. It is a short email and I answer it.

So nothing on this site is investment advice, tax advice, legal advice, accounting advice, or a recommendation to buy or sell anything.

The stock pieces are my personal opinion, and each one says plainly whether I own the thing I am writing about. I am not a broker. I am not a registered investment adviser. I am not your accountant and I am not your attorney.

Reading this site does not make me your adviser and does not create any professional, fiduciary, or confidential relationship between us. Emailing me does not either. Before you act on anything you read here, take it to somebody whose actual job is to look after your interests.

When I write about a deal, I am recording how it worked, not asking you to fund it. Where a page links out to a business of mine, that page says so plainly.

If any of that ever changes, this page changes first, and the effective date at the top moves.

Where I write about what I expect, intend, or plan, that is an opinion held on the day I wrote it, and the things I plan do not always happen. Nothing on this site is a guarantee of a result, a projection you should rely on, or a promise of any outcome for anyone.

Past performance is not a reliable indicator of anything to come, mine included.

The files are yours to keep, to use in your own business, and to pass to anyone who needs them. Forward the file, print it, hand it around a table. My name is on it, which is rather the point.

Two things I ask. Do not sell them or bundle them into something you sell. And leave them as they are rather than putting your name on my work.

Every piece carries its date and every number carries the date it was true. Read them that way.

I correct things when I find them wrong, and I can update, rewrite, or take down anything on this site at any time, without notice. Nothing here is a promise that a page will still be here next year, or that it will still say what it says today.

I can change it, move it, or stop publishing it whenever I want. There is nothing to cancel and no subscription to refund, because nothing here is sold.

A link is not an endorsement and it is not a guarantee. What happens at the other end is between you and them.

One thing worth saying out loud. No link on this site is an affiliate link, and nobody pays me for sending you to them. Where a link goes to one of my own businesses, the page says so.

If you have found a security problem, I would genuinely like to know. Email me and I will thank you properly.

I will look at it myself rather than routing you through a process, and if you are right I will take it down.

I write carefully and I do not invent anything, but I do not warrant that every word here is complete, current, or right for your situation, and the site is offered as it is, without warranties of any kind, including the implied ones of merchantability, fitness for a particular purpose, and non infringement.

To the fullest extent the law allows, I am not liable for any loss, damage, or cost arising out of your use of this site, anything you read on it, anything you download from it, anything you decide because of it, or the site being unavailable. That includes money lost on a decision you made after reading something here, and it includes indirect, incidental, special, consequential and punitive losses, and lost profits.

Some places do not allow limits like this one. Where that is true, this limit applies as far as the law allows and no further, and nothing here limits liability for fraud or for anything else that cannot lawfully be limited.

If you are a consumer somewhere that gives you the right to bring a claim in your own local courts, this section does not take that right away from you.

If I do not enforce something straight away, I have not given it up.

These terms, together with the privacy policy, are the whole agreement between us about this site.

You cannot transfer these terms to anyone else. I can transfer them if the site moves to a company I own.

Nothing on this page changes quietly.