Terms and Conditions


Acceptance. The terms and conditions on this Website constitute a legal agreement between you and Karl Schmidt (the “Author”) and owner of the Website.

Not Investment or Trading Advice. This Website and all information and content on the Website are for information and educational purposes only. Nothing on this Website shall be construed as providing investment or trading advice or recommendations to sell or solicit any offer to purchase any securities or other financial instruments.

Purpose. The Website and blog are intended for informational and educational purposes only. The Author is not a licensed investment advisor and the information is not and should not be taken as investment or trading advice. You should not rely on or take or fail to take any action based on this information and at no time should you disregard professional investment or financial planning advice because of something you read on the Website or blog. Please note that investing in stocks involves significant risks, assumptions and uncertainties and there is the potential to lose all your capital invested. The Author takes no responsibility or liability should you use or rely on this information in making investment or trading decisions.  

Responsibility for Information and Content. Although the Author has used reasonable efforts to include accurate and up to date information on the Website, when you use or browse this Website it is completely at your own risk. The Author does not accept responsibility for the contents of the information contained in the Website and the blog.

No Warranties and Representations. All information and content on the Website is provided “as is” without any warranties, representations or conditions whether express or implied including conditions of sale, suitability or non-infringement of intellectual property.

No Liability. The Author accepts no liability arising from your use or browsing or access of the Website including any direct, indirect, incidental, special, consequential, punitive or other damages of any kind whatsoever, such as business interruption, loss of use, data, information or profits for you (whether such action arises from a contract, negligence or other tortious acts) even if the Author has been advised of or foresees the possibility of such damage occurring. The Author accepts no responsibility for any liability arising from any delays in service of the Website, damages or viruses that may infect your computer equipment or other property arising from your use, browsing or accessing of the Website or your downloading of any materials, data, text or images from the Website or linked websites.

No Claims. You agree not to use any of the information or content on the Website or other links on the Site in any claims, proceedings and suits against the Author.

Indemnification. You agree to indemnify and hold the Author harmless from any and all liabilities, costs, expenses including reasonable legal fees, arising from your violation of these Terms and Conditions in connection with your use, browsing and access to the Website or with the insert or transmission by you of any message or information on the Website or that disrupts the Website.

Right to Change. The Author retains the sole discretion to change, modify or update the information or content of the Website and blog without notice. Your continued use, browsing or access to the Website signifies your acceptance of any change to such information or content.

Monitoring. The Author is under no obligation to monitor the Website and blog and assumes no responsibility or liability should content be modified or altered without the Author’s consent.

Links to Other Websites. The Author may provide links to other third party websites however these links are for convenience only and does not constitute an endorsement by the Author of the parties or their products and services. The Author does not control these linked sites and takes no responsibility for the accuracy or content of information contained in these links and makes no representations, warranties or conditions associated with such links. It is the responsibility of you to ensure that the terms and conditions of any third party linked sites are being complied with.

Copyright and Trademarks. The Author is the owner of all the information and content produced on the Website and blog including all screens, designs, graphics, text elements, website design, logos, images, buttons, icons, as well as the selection, assembly and arrangement thereof (the “Works”) except for referenced or cited information or materials from third parties and your use, browsing or access to the Website and the blog does not constitute a transfer of any right, title and interest to the Works and the Works are the copyright of the Author and are not to be reproduced or redistributed by you to third parties in any manner, electronically or otherwise. The Website logo is the property of the Author. Use of any such property, except as expressly authorized, shall constitute a violation of the rights of the owner of the property and shall result in immediate termination of your rights to use the Website.

Governing Law. This Website and its information and content are governed in accordance with the laws of British Columbia and Canada as applicable.

User Information. You agree that the Author shall be entitled to collect information regarding your use, browsing and access to the Website.


Dated March 5, 2013