Terms and Conditions

This Agreement was last modified on April 1, 2022.

Abridged Version of Terms

The purpose of this blog is to keep track of the author’s stock filters, keep track of economic R&D efforts, and record opinions on noteworthy publications published by other people. Some of the authorship and other content is behind a paywall. Subscribers have access to it. No communications you receive from the author of this website are intended to be financial advice. You are welcome to read this authorship, as long as you accept full liability for your own decisions, financial or otherwise.

Extended Version of Terms

Please read these Terms of Service (“Agreement”, “Terms of Service”) carefully before using http://pH14InvestmentPlan.com (“the Site”). This Agreement sets forth the legally binding terms and conditions for your use of the Site at http://pH14InvestmentPlan.com.

By accessing or using the Site in any manner, including, but not limited to, visiting or browsing the Site or contributing content or other materials to the Site, you agree to be bound by these Terms of Service. Capitalized terms are defined in this Agreement.


We may terminate your access to the Site, without cause or notice, which may result in the forfeiture and destruction of all information associated with you. All provisions of this Agreement that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Links To Other Sites

Our Site may contain links to third-party sites that are not owned or controlled by the owner.

The owner has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party sites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party site that you visit.

Limited License

The owner grants you a non-exclusive, non-transferable, limited license to use the Site in accordance with this Agreement.

Limitation Of Liability

In no event shall the owner, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for damages, direct or consequential, resulting from your use of the Site, and you agree to defend, indemnify and hold us harmless from any claims, losses, liability costs and expenses, including but not limited to attorney’s fees, arising from your violation of any third-party’s rights.

The information contained on this website and from any communication related to the author’s blog, charts, alerts or other materials are intended and presented for educational purposes only – using “virtual” trading systems to learn various trading lessons, like the Marketwatch VSE.

The chart analysis and the market comments do not hold out as providing any financial, legal, investment, or other advice.  Any commentary on tax strategies discussed on the Site are based on our experience and believed to be current, but you should consult with your own tax advisor for tax advice specific to your situation.  No suggestion or commentary is offered regarding the nature, profitability, suitability, sustainability of any particular trading practice or investment strategy. Past performance of certain strategies does not guarantee future results.

The materials on this website do not constitute offer or advice, and you should not rely on the information here to make or refrain from making any decision or take or refrain from taking any action, outside of using virtual trading systems (ie, games or simulators). Nothing on this website is to be taken as investment advice, nor as any recommendation to buy or sell any security or investment property or product.  If you choose to invest, you do so at your own risk. You are solely and fully responsible for your gains and losses, and any investment decisions you make. Such decisions will be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance, and liquidity needs. Investing in markets involves a considerably high degree of risk – you can lose your entire investment. It is up to the website’s visitors and website’s customers to make their own decisions, or to consult with a registered professional financial advisor.

Single Use Service Only

Any sharing of username & password will result in cancellation of service without a refund. All rights reserved. Federal law provides severe civil and criminal penalties for the unauthorized reproduction, distribution or exhibition of copyrighted materials. Criminal copyright infringement is investigated by the FBI and may constitute a felony with a maximum penalty of up to five years in prison and/or a $250,000 fine. License for single viewing only. Any public performance, copying, sharing, or other use is strictly prohibited.

Warranty Disclaimer

Your use of the Site is at your sole risk. The Site is provided on an “as is” and “as available” basis. The Site is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

The owner, its subsidiaries, affiliates, and its licensors do not warrant that a) the Site will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Site is free of viruses or other harmful components; or d) the results of using the Site will meet your requirements.

Governing Law

This Agreement (and any further rules, policies, or guidelines incorporated by reference) shall be governed and construed in accordance with the laws of Washington, DC, United States, without giving effect to any principles of conflicts of law.

Changes To This Agreement

We reserve the right, at our sole discretion, to modify or replace these Terms of Service by posting the updated terms on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Service.

Please review this Agreement periodically for changes. If you do not agree to any of this Agreement or any changes to this Agreement, do not use, access or continue to access the Site or discontinue any use of the Site immediately.

No Refunds

Any payments issued through this website are non-refundable.

Subscriptions are not programmed to renew automatically.

Contact Us

If you have any questions about this Agreement, please contact us.

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