Terms of Service

We are an educational forum for analyzing, learning & discussing general and generic information related to ETFs, stocks, investments, investment strategies or individualized portfolio construction. No content on the website constitutes - or should be understood as constituting - a recommendation to enter in any securities transactions or to engage in any of the investment strategies presented, or portfolios in our site content. We do not provide personalized recommendations or views as to whether an ETF, a stock, other security or portfolio, or investment approach is suited to the financial needs of a specific individual.

  

By viewing or using this website, you agree to be bound by these terms and the various terms and conditions governing the use of our website. if you do not wish to be bound by these terms, please exit the site now. Your sole remedy for dissatisfaction with this site, or any products, services, content, or other information available on or through this site, is to stop using the website and/or those particular products or services. Your agreement with us regarding compliance with these terms becomes effective immediately upon commencement of your use of or access to this site 


Before using this website, please make sure that you note the following important information:


Do your Own Research

We provide content that is intended to be used and must be used for informational purposes only. It is very important to do your own analysis before making any investment based on your own personal circumstances. You should take independent financial advice from a professional in connection with, or independently research and verify, any information that you find on our Website and wish to rely upon, whether for the purpose of making an investment decision, constructing or evaluating a portfolio, or otherwise.


No Investment Advice

Our website is a financial data and news portal, (discussion forum?) and content aggregator. ETFication is not a broker/dealer, we are not an investment advisor, we have no access to non-public information about publicly traded companies, and this is not a place for the giving or receiving of financial advice, advice concerning investment decisions, portfolio management, or tax or legal advice. 


The Company’s affiliates or associates and/or its employees may hold positions in securities that are described on the website. They may, from time to time, hold positions consistent or inconsistent with information contained on the website, have no obligation to notify users in any way regarding said positions and shall have no liability to users that relates in any way to said positions. Their affiliation or relationship to ETFication shall in no way limit the positions they may hold or when they may hold them.


Individual Empowerment

Where we present investment tools, the results should only be treated as opportunities for further research, not as a buy list or set of recommendations. Screening may help to narrow a search based on pre-defined criteria but it is not a substitute for independent research reflecting your individual criteria for investing/trading.


Where we offer valuation or other tools, these are solely for informational & educational purposes so that users can easily run their own valuations and portfolio scenarios. The pre-defined values are simply a starting point based on modern portfolio theory, and global or historical data or assumptions that we have applied across the entire market – users should amend them as they see fit and not regard them as a substitute for their own judgment. Any resulting valuation outputs are necessarily generic and are not endorsed for a given stock by ETFication.


Third Party Content

Much of the content on this website is generated by unrelated third parties and, as such, impossible to monitor effectively. Excluding the content and data specifically identified as generated by ETFication all of the information on our website about businesses, companies, investment strategies, investments, investment opportunities, and portfolio construction is provided by other third parties. We act as a mere conduit for this information published on our website, and we do not monitor, edit, evaluate or otherwise oversee the information. 


No reliance

Accordingly, we will not be liable, whether in contract, tort (including negligence) or otherwise, in respect of any damage, expense or other loss you may suffer arising out of such information or any reliance you may place upon such information. Any arrangements between you and any third party referenced in the website are at your sole risk. 


Indemnification 

You agree to defend, indemnify, and hold ETFication and our affiliates harmless from all liabilities, claims, and expenses, including attorney's fees – including those incurred on appeal, that arise from or relate to your use or misuse of our site or your breach of any of these terms. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses. You specifically agree that this duty of indemnification includes, without limitation, charges of defamation, libel, wrongful disclosure of confidential or trade secret information, invasion of privacy generally and false light invasion of privacy specifically and intellectual property claims, such as trademark, service mark, patent and copyright infringement. Finally, you acknowledge that etfication is largely a “virtual” company and as such, its agents and employees are geographically remote and you agree that your duty of indemnification includes actual costs for travel for our employees, agents and attorneys. 


Investment Warnings

We would like to draw your attention to the following important investment warnings:

Valuation: The value of shares and investments and the income derived from them can go down as well as up; Investors may not get back the amount they invested - losing one's shirt is a real risk; and Past performance is not a guide to future performance.

Investment Risks: There is a substantial amount of risk in trading securities, and the possibility exists that you can lose all, most or a portion of your capital. ETFication does not, cannot and will not assess or guarantee the suitability or profitability of any particular investment, or the potential value of any investment or informational source. The securities mentioned on our Site may not be suitable for investors depending on their specific investment objectives and financial condition. 

Financial Models: The information provided by ETFication, including but not limited to its opinion and analyses, is based on financial models believed to be reliable but is not guaranteed, represented or warranted to be accurate or complete. The charts depict the results of our models and are not influenced by any other factors except the updated parameters which the models use. The models’ signals should not be construed to be investment advice.  

Forward-looking Statements: The information may contain forward-looking statements about various economic trends and strategies. You are cautioned that such forward-looking statements are subject to significant business, economic and competitive uncertainties and actual results could be materially different. There are no guarantees associated with any forecast and the opinions stated here could be wrong due to false signals from the models, or the models being incorrectly structured, incorrectly updated and/or incorrectly interpreted.  ETFication cannot predict the future and is not a science that predicts precise and accurate results. Your use of any information from the Site is at your own risk and without recourse against ETFication, its owners, directors, officers, employees or content providers.

Backtesting: The information on the website is based on financial models, and trading signals are generated mathematically. All of the signals, timing systems, and forecasts are the result of backtesting, and are therefore merely hypothetical. Trading signals or forecasts used to produce our results were derived from equations which were developed through hypothetical reasoning based on a variety of factors. Theoretical buy and sell methods were tested against the past to prove the profitability of those methods in the past. Performance generated through back testing has many and possibly serious limitations. We do not claim that the historical performance of ETFication’s timing systems, signals or forecasts will be indicative of future results. There will be substantial and possibly extreme differences between historical performance and future performance.  Past performance is no guarantee of future performance. There is no guarantee that out-of-sample performance will match that of prior in-sample performance. ETFication does not claim or warrant that its timing systems, signals, forecasts, opinions or analyses are consistent, logical or free from hindsight or other bias or that the data used to generate signals in the backtests was available to investors on the dates for which theoretical signals were generated.

Privacy Policy

We are committed to protecting your privacy. We developed this Privacy Policy to share with you our information collection practices and the options you have when visiting our website or using our services.  This Privacy Policy is an online Privacy Policy and applies only to information collected from you through our website. This Privacy Policy does not apply to information that you furnish to us offline or in any other manner except through this website.

By using our website, you are agreeing to accept the practices described in this Privacy Policy. We may update this Privacy Policy. When we do, we will revise the "updated" date at the top of the Privacy Policy. In the event that we make material changes to this Privacy Policy, we will notify you at our option either by placing a prominent notice on the home page of our website or by sending you a notification directly. We encourage you to review this Privacy Policy periodically to stay fully informed about how we are protecting your personal information. Be advised that your continued use of our website constitutes your agreement to this Privacy Policy and any updates.

As referenced throughout this Privacy Policy, the term “Personally Identifiable Information” means any piece of information that potentially can be used to uniquely identify, contact, or locate a single person and that we collect from you. Personally, Identifiable Information includes, without limitation, the following: user name, password, first name, last name, address, e-mail address, phone number, birth date, credit card number, IP addresses, audio or video in which you are depicted or identifiable, etc.

Any Personally Identifiable Information collected by us will be safeguarded to protect against unauthorized access. Procedures are in place to secure any personal information provided to ETFication. We will store your personal information in a computer database on dedicated servers that allow only limited access. We employ commercially reasonable efforts to protect this information from loss, misuse, and other unauthorized disclosure, alteration or destruction.

ETFication is the sole owner of the information collected; except as otherwise provided in this Privacy Policy, we will not sell, share or loan this information to any third party. However, we may use and share aggregated information that does not personally identify you with third parties in order to improve the website for our users. You can always be assured the information we collect is used to provide a more personalized experience for our Website users. Such "site usage" and statistical information may be made public information at our discretion.

Please note that we do not control all content served in conjunction with our website. Our site may include content from other parties that may perform user activity tracking other than that described herein. In particular, some of our partners may use "cookies" in ways that we do not.

None of the required information and/or optional information collected on any form on this website is used for other purposes than those stated on such form or in this Privacy Policy; however, as discussed below in more detail, ETFication may share information provided through the website with third parties under contract with ETFication to assist in providing certain services or other features offered to our website users. In the event that ETFication utilizes a third party to provide such services, our contract with the third party will include obligations upon the third party to keep all information obtained during such contract confidential and secure.

In order to access pages requiring registration, you will be required to create a User Account by completing the registration form and creating a User ID, alias and password. If you create a User Account, ETFication collects certain Personally Identifiable Information when you register, including your user name, alias, password, first name, last name, and e-mail address.

Special Notification with respect to Children's Privacy (Users under the age of 13)

In response to concerns about protecting children's privacy online, Congress enacted the Children's Online Privacy Protection Act of 1998 ("COPPA"), which sets forth rules and procedures governing the ways in which Web sites may collect, use and disclose any personal information for children under the age of 13. ETFication does not target children under the age of 13 and does not offer or knowingly sell any of its products or services to children. Moreover, ETFication DOES NOT:

Request or knowingly collect personally identifiable online or offline contact information from users under 13 years of age;

Knowingly use or share personal information from users under 13 years of age with third parties;

Give children the ability to publicly post or otherwise distribute personally identifiable contact information;

Entice children with the prospect of a special game, prize or other activity to divulge more information than is needed to participate in the activity.

Private Message and other Contact Pages

You may also provide Personally Identifiable Information to us when you voluntarily communicate with us, such as by requesting information via e-mail, utilizing the private message features on the Website, or otherwise contacting us electronically. We may retain such Personally Identifiable Information for use and disclosure consistent with this Privacy Policy.

Other Information

We collect additional information about how you use and access our website to analyze trends, administer our website, track user’s navigation on the website and gather demographic information for aggregate use, which enables us to improve the website by making it more accessible and easier to navigate. 

Cookies

By use of this Website, you consent to our use of cookies. A "cookie" is a piece of data stored on your hard drive containing information about you. Cookies do not contain any registration information that would personally identify you, as all such data is kept behind our firewall. Cookies do not allow us to track your usage of other websites or the Internet in general. Cookies allow you to navigate our website without being required to enter your password more than once during your visit to our website. 

Other Disclosure

ETFication may disclose any or all of your Personally Identifiable Information if we are required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the law or comply with legal process served on us (for example, under a subpoena, court order or other regulatory requirement or to maintain or protect the security of the website); (b) protect and/or defend our rights or property or other legal interests or of any website user; or (c) act in urgent circumstances to protect the safety of the public or other users of the website. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

From time to time we receive requests to disclose the identities of our users. As noted above, we do not disclose the identities of our users unless we are legally required to do so. However, you should be aware that the identifying information specific to your use of our website, including your IP address, name, and email address will be delivered when requested by a legal subpoena, subject to the following:

If a governmental agency (for example, the Securities and Exchange Commission, law enforcement agencies, United States Attorneys' offices or similar governmental agencies) sends us a subpoena, we will comply with it. If we receive a subpoena by a third party that is not a governmental agency (for example, a subpoena in connection with civil litigation), we will attempt to contact the user whose identity has been requested using the contact information the user provided during the registration process including by email. 

You should be aware that there is an inherent risk in transmitting any data electronically. This risk is inherent in all Internet dealings. Consequently, we cannot guarantee that any Personally Identifiable Information transmitted will be prevented from being viewed or used by any particular person and therefore, you agree to hold us harmless from and against any injury, financial or otherwise, that results from such unauthorized viewing or use. Moreover, e-mails sent to us over the Internet are susceptible to detection, decryption, eavesdropping or tampering. Thus, you agree to hold us harmless from and against any harm, financial or otherwise, that results from such detection, decryption, eavesdropping or tampering of e-mails.

In addition, you must take steps to maintain the security of your private information by keeping your password and other personal information confidential. It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.

Updating Your Information

ETFication will always permit you to decline -- or “opt-out of” -- certain mailings and other materials we may offer. You may opt-out of further communications at any time by following the instructions in the e-mail that you receive. 

Links

Our website may contain links to other sites. Please be aware that ETFication is not responsible for the privacy policies of other sites. We encourage our users to be aware when they leave our website and to read the privacy statements of each and every website that collects Personally Identifiable Information. This Privacy Policy applies solely to the information collected by our website.