- This Online Privacy Notice applies to The Company website (www.Nuts2Invest.com). This Notice explains how The Company collects, uses and shares information from or about you when you visit our Site, provides information on how we advertise, both on our Sites and on other websites, and how we collect information based on your interactions with our online.
- We do not collect your Social Security Number nor ask for your Account Balances.
- We do not sell or distribute your name, e-mail address, and age to other businesses.
- We may provide links to non-Company websites, such as financial instrument merchants/ brokers and broker- dealers. If you follow links to websites not controlled by The Company, you should review their privacy policies and other terms, as they may be different from those of our site. The Company does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness, reliability or suitability of their information.
- When you visit our Sites, we do collect certain categories of information from you, such as personal information that you provide via forms or using other online fields. We may also collect information about you from your online browsing and transactions, including your preferences, pages visited and technical information regarding your computer and operating systems; such as your Internet Protocol (IP) address, domain name, system configuration and settings. Personal information means personally identifiable information and does not include aggregated and de-identified data that the Company may create or compile from various sources, including accounts. This information, which does not identify individual customers, is used by the Company for its business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.
- Cookies are pieces of information stored directly on the computer you are using. The Company, or our third- party service providers (including advertising service providers may place cookies or Flash objects on your hard drive for security purposes, to facilitate site navigation and to personalize your experience. Cookies allow us to:
– Offer you more relevant products/ services;
– Collect navigational information, such as browser type, time spent on our Sites and pages visited
– When you visit our Site we use cookies to monitor your experience. When you apply for a product on one of our Sites, we use cookies to remember you and to provide you information on products and services that best fit your needs. If you have an account with us and access your accounts online, we will maintain information about your visits to personalize your browsing experience and the products and services we offer. If you do not have an account with us and do not wish us to maintain information, please delete your cookies. To do this, you will need to follow your browser’s instructions for disabling or deleting cookies.
- The Company advertises on pages within the Site as well as on other websites not affiliated with the Company. Information collected by our advertising service providers through cookies and other technologies includes the number of people who look at each of the pages on the Sites, search engine referrals, browsing patterns within the Sites, and responses to advertisements and promotions on the Sites and on websites where we advertise.
- The Company contracts with advertising companies such as Google, Yahoo, etc..
– Some of these ads are online behavioral advertising and may contain cookies that allow monitoring of your response to our advertisements. Cookies placed by these companies do not collect personal information. We limit companies that place our ads from using information for any purpose other than to assist us in our advertising efforts.
- The Company provides users visiting our websites with a variety of planning tools, such as various investment portfolios and security lists. We will let you know when we plan to store information, and we will give you the option not to have this information stored.
- The Company provides experiences on social media platforms such as Facebook®, Twitter®and LinkedIn®that enable online sharing and collaboration among users who have registered to use them. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those platforms. Please refer to them to better understand your rights and obligations with regard to such content.
- Keeping your account information accurate and up to date is very important
- We do not knowingly collect information from children under 13 without parental consent. If you are under 13, please do not enter your personal information.
- This Online Privacy Notice is subject to change. Please review it periodically. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice.
Agreement not to sue as of January 2018
- All parties to this Agreement are giving up the right to sue each other in court, including the right to a trial by jury.
Agreement to Terms and Conditions as of January 2018
These Website Terms and Conditions (the “Terms and Conditions”) are made between The Company (www.Nuts2Invest.com) and you and Govern your access to and use of any of The Company’s websites
- You agree that you are at least 18 years old.
- You agree that The Company will not be responsible or liable for the Third-Party Research or its content, investor transactions, to the extent based on the Third-Party Research or claims arising from or in connection with the inclusion of Third-Party Research ratings in confirmations and account statements, to the extent such claims are based on those ratings. You also agree that The Company will not be required to supervise the production of the Third-Party Research and will have no responsibility to comment on the content of the Third-Party Research.
- You agree not to sue Nuts2Invest.com, LLC for the information and the investment tools provided to you.
- You understand and agree that investing in financial securities involves risks, and therefore there is always a possibility of losing money.
- You agree that opinions expressed here are subject to change and past performance of financial securities is no guarantee of future results.
- You agree that any information presented by The Company is general in nature and is intended to provide as a DIY (Do-It-Yourself) personal investing tool. The investment strategies provided here do not take into accounts the investment objectives or financial needs of particular investors. The investor should consider this information in the context of his/ her personal risk tolerance and investment goals.
- You agree that quotes, research, ratings and any other information provided through the Company website are obtained from sources we believe to be reliable, but we cannot guarantee the accuracy, timeliness or completeness of such information for any particular purpose. Such data and information and any Company’s independent research opinions provided do not constitute investment advice, or a representation that any securities are suitable for you.
- You agree that all such data and information is protected by copyright and other intellectual property laws and may only be used for personal and non-commercial use, and not for providing professional investment advice. If you download any information from the Company’s website for your personal use, you agree that you will not remove or obscure any copyright or other notices contained in any such information. You agree not to copy, reproduce, modify, sell, distribute, transmit, transfer, display, circulate, broadcast, publish, or use for any commercial or unlawful purpose any quotes, research, text, images, audio, video or other information you receive through the Company website.
- You agree that the Company and its information providers (Third Party Research Providers) may change or discontinue any quotes, research or any other information at any time provided within the Company website at any time and without any notice.
- You agree that the company offers Do-It-Yourself (DIY) investment tools for either monthly or annual subscription fee.
- You understand that The Company does not sell any financial securities.
- You agree that any information presented is general in nature and is intended to provide as a personal tool. The investment strategies provided here do not take into accounts the investment objectives or financial needs of particular investors. The investor should consider this information in the context of his/ her personal risk tolerance and investment goals.
- You agree that in declining markets asset allocation, diversification, and rebalancing of your portfolio do not protect against financial loss.
- You agree that we do not provide legal, tax, or accounting advice. No tax consequences or considerations affecting client financial transactions are considered by the Company. Users of this site should review any financial transactions or arrangements that may have legal, tax, or Accounting ramifications with their respective professional advisors.
Morningstar Information:
Morningstar Rating for open end funds, closed end funds or variable annuity underlying funds
For each fund with at least a three-year history, Morningstar calculates a Morningstar Rating based on a Morningstar Risk-Adjusted Return measure that accounts for variation in a fund’s monthly performance (including the effects of sales charges, loads, and redemption fees), placing more emphasis on downward variations and rewarding consistent performance. The top 10%of funds in each category receive 5 stars, the next 22.5%receive 4 stars, the next 35%receive 3 stars, the next 22.5%receive 2 stars and the bottom 10%receive 1 star. (Each share class iscounted asa fraction of one fund within this scale and rated separately, which may cause slight variations in the distribution percentages.) The Overall Morningstar Rating for a fund isderived from a weighted average of the performance figuresassociated with its three-, five- and ten-year (if applicable) Morningstar Rating metrics.
Past performance isno guarantee of future results. The Morningstar Rating may differ among share classes of a mutual fund asa result of different sales loadsand/ or expense structure.
Morningstar Rating for ETFs
The Morningstar Rating™is provided for those exchange-traded funds (“ ETFs” ) with at least a three-year history. Ratings are based on the ETF’s Morningstar Risk-Adjusted Return measure which accounts for variation in monthly performance, placing more emphasis on downward variations and rewarding consistent performance. An ETF’s risk-adjusted return includes a brokerage commission estimate. This estimate is intended to reflect what an average investor would pay when buying or selling an ETF. PLEASENOTE, thisestimate is subject to change and the actual brokerage commission an investor pays may be higher or lower than thisestimate. Morningstar compares each ETF’s risk-adjusted return to the open-end mutual fund rating breakpoints for that category. Consistent with the open-end mutual fund ratings, the top 10%of ETFs in each category receive 5 stars, the next 22.5%receive 4 stars, the next 35%receive 3 stars, the next 22.5%receive 2 stars and the bottom 10%receive 1 star. The overall rating for an ETFis based on a weighted average of the time-period ratings (e.g., the ETF’s 3, 5, and 10 year rating). The determination of an ETF’s rating doesnot affect the retail open end mutual fund data published by Morningstar. Past performance isno guarantee of future results.
Morningstar Rating for Load-Waived A-Shares
For each fund with at least a three-year history, Morningstar calculates a Morningstar RatingTM based on how a fund ranks on a Morningstar Risk-Adjusted Return measure against other fundsin the same category. This measure takesinto account variationsin a fund’s monthly performance after adjusting for sales loads (except for load- waived A shares) redemption fees, and the risk-free rate, placing more emphasis on downward variations and rewarding consistent performance. The top 10%of funds in each category receive 5 stars, the next 22.5%receive 4 stars, the next 35%receive 3 stars, the next 22.5%receive 2 stars and the bottom 10%receive 1 star. The Overall Morningstar Rating for a fund is derived from a weighted average of the ratings for the three-, five- and ten-year (if applicable) time periods. Load-waived A share star ratings do not include any front-end sales load and are intended for those investors who have access to such purchase terms (e.g., plan participantsof a defined contribution plan). Not all A share mutual funds for which Morningstar calculates a load-waived A share star rating may actually waive their front-end sales load. Therefore, Morningstar strongly encouragesinvestors to contact their investment professional to determine whether they are eligible to purchase the A share without paying the front load. Past performance isno guarantee of future results. The Morningstar Rating may differ among share classes of a mutual fund asa result of different sales loadsand/ or expense structure.