This is a web site owned by Zefamily LLC, and is written primarily by Bruce Kroeze.
The purpose of this web site is educational and commercial. Any investment ideas or financial information that you view on this site should be talked over with your licensed legal, financial, insurance, or investment advisor prior to executing any transactions.
This site does not give investment advice in any form. None of the articles should be construed as investment advice. I am not registered with the Securities & Exchange Commission (SEC) which is a requirement for giving investment advice. This site’s commenters are not licensed either.
By viewing this web site, you hold Zefamily, Bruce Kroeze, and any site commenter harmless for any losses you incur in investing. We are not responsible in any way for the results of your investment activities.
The investment and business strategies published in this website do not necessarily represent the investment strategies of the owners, writers and contributors of stories on this web site.
Although any data shown on this website is gathered from sources I consider reliable, I cannot guarantee its accuracy. In particular, I cannot be held liable for information provided by commenters on this site. I make no warranty and accept no liability for their contributions. You agree that any actions you take based on access to this website are your sole responsibility.
Investment and business outcomes are often subject to considerable risks. There is no guarantee that any general information or recommendations offered on this website will achieve your particular investment objectives, or that results will be favorable. Illustrations of past performance of particular strategies should not be taken as a reliable indicator of the future, but only as a possibility that may be to some extent supported by evidence.
This website does use affiliate links. Zefamily LLC is paid by these companies to place these links. These links do not purchase or ensure positive reviews by Zefamily or by Bruce Kroeze, as a matter of ethics.
Terms and Conditions
This World Wide Web website is provided by Zefamily LLC, and may be used for informational purposes only. By using this website, you agree to abide by this agreement. It constitutes the entire Agreement between Zefamily LLC and you with respect to your use of this website. If you do not agree to abide by it, do not access this website. Zefamily LLC reserves the right to discontinue your access to our website at any time and for any reason.
Zefamily LLC grants you a non-exclusive, non-transferable, limited right to use this website. You agree to abide by all copyright provisions and any additional restrictions displayed on this website as it may be updated from time to time. You also agree not to attempt to interfere with the operation of this website.
THE SERVICE AND CONTENT FROM OR THROUGH THIS SITE ARE PROVIDED “AS-IS,” “AS AVAILABLE,” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE INFORMATION HEREIN MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. THE OWNER OF THIS SITE ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS ON THIS SITE.
When you link from this website to another website, I disclaim any responsibility for problems you may encounter. Such links are provided for your convenience and it should not be assumed that I endorse or warrant the safety or usefulness of their content, nor of their respect for your privacy.
You agree that any articles, information or materials that you provide to this website will not be considered confidential or proprietary. You grant to Zefamily LLC an unrestricted, irrevocable, worldwide, royalty-free license to use and distribute any articles, information or materials submitted to me.
Zefamily LLC prohibits use of this website at locations outside of the United States where its contents are illegal, or in any use that violates U.S. law. This Agreement shall be governed by the laws of the State of Oregon. Any legal action arising from your use of our website must begin within one (1) year after its cause. If a court should find any part of this Agreement to be unenforceable, the remainder of this Agreement shall continue in full force and effect.
Please see the site’s Privacy Statement.
It would be stupid for you to copy what I do, or to take the words on this website as legal, investment, banking, or financial advice. You have to learn, and to talk with people who understand your whole situation. Educate yourself, be wise. Don’t sue me, because I’m just a guy without a lot of money, who has got a family to raise and who isn’t trying to hurt you.
If you even look at this web site, you can not hold me responsible for the results of your decisions. If you think that you can’t refrain from treating my words and articles as investment, business, legal, or financial advice, go somewhere else, please!