You agree to the terms of service below, and the Terms of Use for Substack, the technology provider.
Terms of Service
**Last Updated: April 27, 2026**
1. Acceptance of Terms
By accessing, subscribing to, reading, commenting on, or otherwise using this Substack (the “Publication”), you agree to be bound by these Terms of Service (“Terms”).
These Terms supplement Substack, Inc.’s own [Terms of Service](https://substack.com/tos) and [Privacy Policy](https://substack.com/privacy), which govern the platform itself. In the event of any conflict, Substack’s terms control with respect to the platform.
2. The Publication
This is a personal publication run by an individual investor and trader with five years of experience. I share my actual portfolio holdings, investment ideas, trade rationales, and market commentary for informational and educational purposes only. Content is published in real time and reflects my personal views and actions at the time of posting.
3. Not Financial Advice – Critical Disclaimer
**Nothing on this Publication constitutes financial, investment, tax, legal, or professional advice.**
I am not a licensed financial advisor, registered investment advisor, or fiduciary. All content represents my own personal opinions and experiences. Investing involves substantial risk of loss. Past performance is not indicative of future results. I may hold, buy, or sell any securities or assets discussed at any time without notice.
You are solely responsible for your own investment decisions. Always do your own research (DYOR) and consult qualified professionals who understand your specific situation before acting on any information here. By using this Publication you release me from any and all liability for losses, damages, or claims arising from your use of the content.
4. User Conduct
You agree to use the Publication only for lawful purposes. You will not:
- Post spam, harassment, illegal content, or unsolicited promotions
- Copy, scrape, or redistribute my original content without explicit written permission
- Impersonate others or misrepresent your identity
- Attempt to interfere with the operation of the Publication
Comments are public (unless marked private) and may be moderated or removed at my discretion.
5. Intellectual Property
All original content I create (posts, analyses, images, etc.) is owned by me and protected by copyright. You may not reproduce, distribute, or create derivative works from it for commercial purposes without my prior written consent. You retain ownership of any comments you post, but you grant me a worldwide, royalty-free license to display, reproduce, and moderate them on the Publication.
6. Disclaimers and No Warranties
The Publication and all content are provided “as is” and “as available” without any warranties of any kind, express or implied. I do not guarantee accuracy, completeness, timeliness, or uninterrupted availability of the content. Market conditions change rapidly; information may become outdated quickly.
7. Limitation of Liability
To the fullest extent permitted by law, I shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Publication, even if I have been advised of the possibility of such damages.
8. Indemnification
You agree to indemnify and hold me harmless from any claims, losses, liabilities, damages, and expenses (including reasonable attorney fees) arising out of your use of the Publication, your violation of these Terms, or your violation of any third-party rights.
9. Changes to These Terms
I may update these Terms from time to time. I will post the revised version with a new “Last Updated” date. Your continued use after changes constitutes acceptance of the new Terms.
10. Termination
I reserve the right to terminate or suspend access to the Publication (or any part of it) at any time, for any reason, without notice.
11. Governing Law
These Terms are governed by the laws of the United States without regard to conflict of law principles.
12. Contact
If you have questions about these Terms, please message me on Substack.