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L-03Conditions of use

Terms of use

These terms govern your use of the research pages, the calculators and the advisor request form. Using the site means you accept them.

Applies to
Every page, tool and form
Clauses
7
Reading time
2 min read
Version
The one published here
Contents 8 sections

In short

  1. Research and calculators are education, not recommendations.
  2. Being matched carries no cost and no obligation for you.
  3. Advisory fees are settled with the advisor alone.
  4. Not every request is accepted; the site may decline one.

What governs your use of the site

  1. The site publishes education, not investment advice.

    Articles, research topics and strategy explainers describe how things work. They do not consider your circumstances, so none of it counts as personalized advice on investments, taxes, legal questions or insurance. A discussion of a strategy is not a suggestion that you use it, and any decision you make from it is yours.

  2. You may read and share pages for personal use.

    The text, layout and models are protected by copyright. We grant you a limited license to read them and to share a link or a short quotation for personal, non-commercial purposes. Bulk copying, scraping and republication require our written permission. Use the request form only for your own request, with accurate details.

  3. Calculator output is arithmetic on assumptions you can see.

    Each of the seven calculators states its assumptions on the page. The result illustrates those assumptions and leaves out anything they do not include. It does not forecast returns or promise an outcome, so compare it with your own figures before you use it for anything.

  4. A match request costs you nothing and commits you to nothing.

    Sending a request asks us to contact you and, after that conversation, to match you with a licensed advisor. It may go to up to three advisors. Nothing obliges you to engage any of them, and we reserve the right to decline a request or to stop responding to one.

  5. Advisors are independent, and any engagement is between you and them.

    Any advisory agreement is made directly between you and the advisor, and we are not a party to it. Before any engagement, the advisor hands you their own Form ADV and Form CRS. What an advisor charges for their services is settled between you and that advisor, and you should read both documents before you sign.

  6. Liability is limited to the extent the law allows.

    We exclude, to the extent the law permits, liability for loss arising from reliance on the site's content, its calculators or an advisor you choose to engage. The site is provided as is, and we do not promise that it will be uninterrupted or free of error. Nothing here excludes liability that the law does not permit us to exclude.

  7. The current version of these terms is the one published here.

    We may revise the terms at any time. Continued use after a revision is acceptance of it, and a visitor who does not accept it should stop using the site.