Learning Markets, LLC Terms and Conditions of Use
Background Information About Learning Markets
and the Services We Provide
Learning Markets and its affiliates are in the business of publishing financial information on LearningMarkets.com, Courses.LearningMarkets.com and various third-party sites and publications. We write articles and host exclusive live webinars and podcasts for brokers. We serve as executive editors for various online newsletter services. We produce comprehensive educational videos for Forex dealers.
We provide honest and forthright educational information about stocks, options, forex and futures to active investors throughout the world. We pride ourselves in our ability to always put investors first and to expose all manner of scams and inconsistencies in the financial world whether it’s things as common as target date funds and penny stocks or as obscure as the Iraqi Dinar scam. We have often been called upon by the press to help shed light on investing myths.
We try to balance such exposure with positive educational messages that help investors achieve their goals. We offer a series of educational videos on this page here.
We also host a community of investors here. The community is a great place for like-minded investors to share their investing ideas and to get feedback on those ideas.
But investing is not easy. Before you invest there are some things you should consider.
Before You Invest
We encourage you to take time to learn about the basics of investing before committing or risking any capital. The Financial Industry Regulatory Authority provides some great resources for investors here. Option traders can find additional information, education and help at the Option Industry Council’s website. Lastly, the Securities and Exchange Commission provides a large selection of educational resources for investors on this website here.
Some of the concepts, ideas and trades we discuss are advanced. If you are new to investing we strongly encourage you to take time to learn more about investing and to practice trading through any of the “virtual portfolio” applications widely available through most brokers today. We also encourage you to pay special attention to position sizing; never committing more of your portfolio in any individual trade than you can stand to lose.
We Publish Information — We Don’t Provide Investment Advice
In some cases we talk about individual stocks or options as a way of explaining an investing concept. The mention of these securities is intended for educational purposes only and is not a solicitation to buy or sell any individual security.
In other cases we may discuss the purchase or sale of an individual stock or option as part of a paid newsletter service. We are not, however, acting as an investment adviser in this capacity. Section 202(a)(11) of the Investment Advisers Act of 1940 (15 U.S.C. § 80b-2(a)(11)) clearly defines what an “investment adviser” is and we encourage you to familiarize yourself with the concept. Specifically excluded from the definition of an investment adviser is “the publisher of bona fide newspaper, news magazine or business or financial publication of general and regular circulation.” What this means is that as long as we’re not providing advice based on an individual reader’s own circumstances then a newsletter is basically considered free speech.
All of the information provided by Learning Markets and its affiliates is of a general and regular nature and is never intended to be offered as individual investment advice.
However, Section 17(b) of the Securities Act of 1933 (15 U.S.C. 77q(b)) prohibits any person from publishing anything which describes a security for a consideration received from an issuer, underwriter or dealer. We do not receive any such compensation. Furthermore, while we maintain our own “tracking portfolio” we never trade in advance of the publication — a process known as “front-running.” This assures that subscribers have the same as or better opportunities to enter a trade as we do in our tracking portfolios.
The SEC provides some great tips for investors for checking out newsletters. They also provide very helpful information to help investors avoid online fraud. We encourage all investors to familiarize themselves with the warning signs of fraud.
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.
2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on Learning Markets, LLC’s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
- modify or copy the materials;
- use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
- attempt to decompile or reverse engineer any software contained on Learning Markets, LLC’s web site;
- remove any copyright or other proprietary notations from the materials; or
- transfer the materials to another person or “mirror” the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Learning Markets, LLC at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
The materials on Learning Markets, LLC’s web site are provided “as is.” Learning Markets, LLC makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Learning Markets, LLC does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
The information contained in this web site is impersonal and does not provide individualized advice or recommendations for any specific user.
The commentary, analysis, opinions, advice and recommendations presented on this web site represent the personal and subjective views of the author and are subject to change at any time without notice.
Nothing on this web site shall be construed as a solicitation or offer to buy or sell any securities.
4. Risk Disclosure
Trading stocks, options, futures and foreign currencies carries a high level of risk, and may not be suitable for all investors. The high degree of leverage can work for as well as against you. Before deciding to invest in stocks, options, futures and foreign currencies you should carefully consider your investment objectives, level of experience, and risk appetite. The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not invest money you cannot afford to lose. You should be aware of all the risks associated with stocks, options and foreign currencies trading, and should consult with your own personal financial advisor and conduct your own research and due diligence, including carefully reviewing the prospectus and other public filings of the issuer, prior to making any investment decisions.
In no event shall Learning Markets, LLC or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Learning Markets, LLC’s web site, even if Learning Markets, LLC or a Learning Markets, LLC authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
6. Revisions and Errata
The materials appearing on Learning Markets, LLC’s web site could include technical, typographical, or photographic errors. Learning Markets, LLC does not warrant that any of the materials on its web site are accurate, complete, or current. Learning Markets, LLC may make changes to the materials contained on its web site at any time without notice. Learning Markets, LLC does not, however, make any commitment to update the materials.
Learning Markets, LLC reserves the right to monitor any and all information transmitted or received through the LearningMarkets.com web site. Learning Markets, LLC in its sole discretion and without further notice to you, may review, censor or prohibit the transmission or receipt of any information which Learning Markets deems inappropriate.
Learning Markets, LLC has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Learning Markets, LLC of the site. Use of any such linked web site is at the user’s own risk.
10. Governing Law
Any claim relating to Learning Markets, LLC’s web site shall be governed by the laws of the State of California without regard to its conflict of law provisions.
You agree that you will not post, email or make available any content or use this web site:
- In a manner that infringes, violates or misappropriates any third party’s intellectual property rights or other proprietary rights or contractual rights;
- to engage in spamming, “chain letters,” “pyramid schemes,” advertisement of illegal or controlled products or services, or other advertising or marketing activities that violate these Terms of Service, any applicable laws, regulations or generally-accepted advertising industry guidelines;
- in a manner that is misleading, deceptive or fraudulent or otherwise illegal or promotes illegal activities;
- in a manner that is libelous or defamatory, or in a way that is otherwise threatening or invasive of another’s privacy;
- in a manner that is hateful or discriminatory based on race, color, sex, religion, nationality, ethnic or national origin, marital status, disability, sexual orientation or age or is otherwise objectionable;
- to impersonate any other person, or falsely state or otherwise misrepresent your affiliation with any person or entity;
- in a manner that includes personal or identifying information about another person without that person’s explicit consent; and
- in a manner that constitutes or contains any form of advertising or solicitation
You also agree not to:
- Harass any members of this web site;
- Request, solicit or otherwise obtain access to usernames, passwords or other authentication credentials from any member of this web site or to proxy authentication credentials for any member of this web site;
- Post any content that constitutes pornography, contains nudity, or is adult in nature; and,
- Take any action that may undermine the feedback or ratings systems.
12. Our Money-Back Guarantee
When you purchase a course through Courses.LearningMarkets.com you are entitled to a full refund if you are not satisfied with the product sold and you notify Learning Markets via email at firstname.lastname@example.org or via phone at +1-877-767-4342. If you purchased the course for a single feee then refunds are available within 30 days of your initial purchase. After 30 days from the date of purchase investing courses are non-refundable and all sales are considered final. If you purchased the course for a monthly fee then you may cancel your monthly subscription at any time. You will continue to receive access to the course during the month in which you paid for access. If you purchased the course and were offered a free trial period then you may cancel the course at any time prior to the end of your free trial period and your credit card will not be charged. In all cases we will maintain your account at courses.learningmarkets.com so that you may re-purchase the course, if you choose, (or purchase a new course) and all of your grades and activity will be saved.
1. General description of information we collect
Learning Markets, LLC collects information about our users in the aggregate so that we can provide a more useful service and more targeted advertising. If you choose to register for our Forums we ask for your name, email address, and other optional personal information. We sometimes conduct surveys on a voluntary basis though you do not have to respond to them.
When you post information in our Forums such features as your Personal Profile, along with your user name, is visible to the public. Whenever you disclose personal information publicly that information can be collected and used by others. While we do our best to protect your personal information, Learning Markets, LLC cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk.
3. IP addresses, cookies and single pixel GIFs
We collect IP addresses to help us understand how people use the site so that we can improve the service on an ongoing basis. IP addresses are used to compile general traffic information and we will not attempt to identify individual users through their IP addresses.
4. What We Disclose
We may disclose your personal information as required by applicable law, or in response to legal process, to protect the rights or property of Learning Markets, LLC or to protect the safety of Learning Markets, LLC, our users, or others.
5. Ad Servers
The ads appearing on this Web site are delivered to you by independent ad servers as well as internal ad servers operated by Learning Markets, LLC. Information about your visits to learningmarkets.com, such as the number of times you have viewed an ad (but not your name or other personal information), may be used in the ad design process.
6. Commercial communications by electronic mail
Learning Markets, LLC may send electronic communications to you which we believe may be of interest to you but only if you give us your prior consent. You may revoke your consent at any time by sending an email to email@example.com with “unsubscribe” in the subject line.
Our sites are not directed at children under the age of 13. We operate our sites in compliance with the Children’s Online Privacy Protection Act and will not knowingly collect or use personally identifiable information from anyone under 13.