Dear Reasonably Intelligent Guy/Gal:

From this moment forward, assume that everything you ever hear a financial professional say is in some way designed to sell something to you. Every written word, oral communication, media appearance, email, letter, phone call or text is in some way, directly or indirectly, a solicitation for some kind of product or service.

No one is your friend or doing you a favor. No one is giving you free advice or trying to help you for nothing. Even those with your best interests at heart are still trying to make money as a result of working for you or with you. That's how the world works. Everyone is trying to make money to feed their family/drug addiction.

Read the fine print. Read the bold print. Ask questions. Don't say yes to things you don't need, don't do business with people you don't trust, don't buy things you can't understand.

Assume that most people in finance are good, some are scumbags and all of them are inherently flawed human beings and biased business people trying to sway you and your capital in their direction. There is nothing wrong with this, it just is. It will never change, even if Gates, Warren and Mercedes and one of the Walton's holed up in Hawaii, had a vicious foursome as the waves of the Pacific lapped against the shore, produced a love child and crowned it Emperor of All Things Financial.

The truth is, they could pass laws against 100 ways to fuck you over on a Monday and by Tuesday afternoon someone will have come up with the 101st. Lawmakers and regulators will never be able to see far enough ahead or move quickly enough to match the cunning of the crooks.

As a rule of thumb, anytime someone on Wall Street offers you something for cheap you probably don't want it. Anytime someone offers you something for free, you definitely don't.

If you can't understand this, you will probably lose a lot of money. You may even deserve to.

That's life, that's business. You don't like it? Move to the Alaska and live in the bush.

Oh yeah, and my f**king stock quotes are delayed here by at least 15 minutes.

**************************************************************

Also, here is some bullshit disclaimer that a lawyer told me to paste here:

NO FINANCIAL ADVICE - The Information on this website is provided for education and informational purposes only, without any express or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose. The Information contained in or provided from or through this website is not intended to be and does not constitute financial advice, investment advice, trading advice or any other advice. The Information on this website and provided from or through a financial feed and is general in nature and is not specific to you the User or anyone else. YOU SHOULD NOT MAKE ANY DECISION, FINANCIAL, INVESTMENTS, TRADING OR OTHERWISE, BASED ON ANY OF THE INFORMATION PRESENTED ON THIS WEBSITE WITHOUT UNDERTAKING INDEPENDENT DUE DILIGENCE AND CONSULTATION WITH A PROFESSIONAL BROKER OR COMPETENT FINANCIAL ADVISOR. You understand that you are using any and all Information available on or through this website AT YOUR OWN RISK.

RISK STATEMENT - The trading of stocks, futures, commodities, index futures or any other securities has potential rewards, and it also has potential risks involved. Trading may not be suitable for all users of this Website. Anyone wishing to invest should seek his or her own independent financial or professional advice.

The privacy of our visitors to isthedow.com is important to us.

At isthedow.com, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use and visit isthedow.com, and how we safeguard your information. We never sell your personal information to third parties.

Log Files

As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons

We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements on isthedow.com to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).

DoubleClick DART cookies

We also may use DART cookies for ad serving through Google’s DoubleClick, which places a cookie on your computer when you are browsing the web and visit a site using DoubleClick advertising (including some Google AdSense advertisements). This cookie is used to serve ads specific to you and your interests (”interest based targeting”).

The ads served will be targeted based on your previous browsing history (For example, if you have been viewing sites about visiting Las Vegas, you may see Las Vegas hotel advertisements when viewing a non-related site, such as on a site about hockey). DART uses “non personally identifiable information”. It does NOT track personal information about you, such as your name, email address, physical address, telephone number, social security numbers, bank account numbers or credit card numbers.

You can opt-out of this ad serving on all sites using this advertising by visiting http://www.doubleclick.com/privacy/dart_adserving.aspx

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.

Deleting cookies does not mean you are permanently opted out of any advertising program. Unless you have settings that disallow cookies, the next time you visit a site running the advertisements, a new cookie will be added.

If you require any more information or have any questions about our site's disclaimer, please feel free to contact us by email at Contact.

All the information on this website is published in good faith and for general information purpose only. isthedow.com does not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information you find on this website (isthedow.com), is strictly at your own risk. isthedow.com will not be liable for any losses and/or damages in connection with the use of our website.

From our website, you can visit other websites by following hyperlinks to such external sites. While we strive to provide only quality links to useful and ethical websites, we have no control over the content and nature of these sites. These links to other websites do not imply a recommendation for all the content found on these sites. Site owners and content may change without notice and may occur before we have the opportunity to remove a link which may have gone 'bad'.

Please be also aware that when you leave our website, other sites may have different privacy policies and terms which are beyond our control. Please be sure to check the Privacy Policies of these sites as well as their "Terms of Service" before engaging in any business or uploading any information.

Consent

By using our website, you hereby consent to our disclaimer and agree to its terms.

Update

This site disclaimer was last updated on: Monday, January 2nd, 2017
· Should we update, amend or make any changes to this document, those changes will be prominently posted here.


This website and app use Google Adsense & Admob, a Web-advertising-service of Google Inc., United States (“Google”). Google Adsense uses “cookies” (text files) that are stored on your computer and allows an analysis of the use of thiswebsite by you.

Google Adsense also uses so-called “Web Beacons” (small invisible images) to gather information. Through the use of Web beacons simple actions such as the visitor traffic to the website can be recorded and collected. The information generated by the cookie and/or Web Beacon is information about your use of this site (Url), including your IP address and will be transferred to a Google server in the U.S. and stored there.

Google will use this information to evaluate your use of the site in order to show and compile reports on website activity and ads for website operators and providing other services with website and internet related services. Google may also transfer this information to third parties where this is required by law, or where such third parties process the information on Google’s behalf.

Google will not associate your IP address with any other data held by Google. You canavoid storing cookies on your hard drive and the display of Web Beacons by choosing to accept in your browser settings, “cookies” (in MS Internet Explorer under “Tools> Internet Options> Privacy> Settings”, in Firefox under Tools> Settings> Privacy> Cookies), we would point out however that this may prevent you from using all the features of this website.

By using this site you agree to the processing of data about you by Google in the manner described, and agree to the aforementioned purpose.

isthedow.com PRIVACY POLICY FOR APP USERS

isthedow.com Inc. (“isthedow.com”) knows that you care about how your personal information is used and shared, and we take your privacy seriously. Please read the following to learn more about our privacy practices (“Privacy Policy”). By using a mobile application that incorporates or utilizes isthedow.com’ services (collectively, the “Services”) you accept the practices outlined in this Privacy Policy.

WHAT DOES THIS PRIVACY POLICY COVER?

This Privacy Policy covers isthedow.com’ treatment of personally identifiable information (“Personal Information”) that isthedow.com gathers when you access or use the Services. As part of our Services, we provide mobile application developers (“Developers”) with access to a development platform that they use to create mobile applications (“Apps”). Developers may optionally elect to collect certain information from you through their Apps using various features of the Service. When you use one of these Apps, we may collect certain Personal Information from you as part of this process, as further set forth in this Privacy Policy. This Privacy Policy does not cover (i) use of information by third parties we do not control (including Developers), or (ii) our collection or use of Personal Information collected other than through Apps (e.g., through use of our websites at isthedow.com). Our collection and use of information via our Website is covered in our Website Privacy Policy.

WHAT PERSONAL INFORMATION DOES isthedow.com COLLECT?

We collect the following types of information from you when you use one of our Developer’s Apps: your IP address (including country of origin), App version, device operating system (including version), device make and model, UDID or other unique device identifier (only in anonymized form—i.e., not associated with any other personally identifiable information), and the current time each time you launch an App. In addition, while you are using an App, we collect information regarding the various actions and paths you take when using that App (“Events”), including a timestamp associated with each Event.

Cookies/SessionIDs – Although the Services do not place cookies on your device when you use an App, each time you launch an App, we assign a unique session ID (a “Session ID”) to that launch of the App which we associate with the other information that we collect during your use of the App during that launch session. We do not associate Session IDs with Personal Information.

HOW DOES isthedow.com USE PERSONAL INFORMATION?

We only use your Personal Information (i) in aggregate, anonymized form for marketing purposes (e.g., to describe the total number of users who are using Apps which use the Service), (ii) to provide the Service to Developers and (iii) to further develop and improve our Services.

WILL isthedow.com SHARE ANY OF THE PERSONAL INFORMATION IT RECEIVES?

Personal Information about our end users is an integral part of our business. We do not rent, sell or disclose your Personal Information to anyone (including Developers) – except for the following limited purposes: Developers: all information (including Personal Information) which is collected through an App as part of the Services is made available to the Developer of that App.

Agents: We may employ other companies and people to perform tasks on our behalf – meaning they are helping us provide our Services. We may share your Personal Information with such companies/persons solely as necessary for them to help us provide the Services. Unless we tell you differently, isthedow.com’ agents do not have any right to use Personal Information we share with them beyond what is necessary to assist us.

Business Transfers: In some cases, we may choose to buy or sell assets. In these types of transactions, customer information is typically one of the business assets that are transferred. Moreover, if isthedow.com, or substantially all of its assets were acquired, or in the unlikely event that isthedow.com goes out of business or enters bankruptcy, customer information would be one of the assets that is transferred or acquired by a third party.

Protection of isthedow.com and Others: We may release Personal Information when we believe in good faith that release is necessary to comply with the law; enforce or apply our conditions of use and other agreements; or protect the rights, property, or safety of isthedow.com, our employees, our users, or others.

With Your Consent: Except as set forth above, you will be notified when your Personal Information may be shared with third parties, and will be able to prevent the sharing of this information.

CONDITIONS OF USE

If you decide to access or use the Services, any possible dispute over privacy is subject to this Privacy Policy and our Terms of Use, including limitations on damages, arbitration of disputes, and application of North Carolina state law.

WHAT CHOICES DO I HAVE?

You may request deletion of your Personal Information by sending an e-mail to [email protected] Please note that some information may remain in our records after deletion of your account.

CHANGES TO THIS PRIVACY POLICY

isthedow.com may amend this Privacy Policy from time to time. Use of information we collect now is subject to the Privacy Policy in effect at the time such information is used. If we make changes in the way we use Personal Information, we will notify you by changing this document and posting on our website. Users are bound by any changes to the Privacy Policy when he or she uses the Services (including through any App) after such notice has been provided.

QUESTIONS OR CONCERNS

If you have any questions or concerns regarding privacy in connection with the Services, please send us a detailed message at [email protected] We will make every effort to resolve your concerns.

@2017 Is The Dow - All Rights Reserved - Privacy Policy