1. Definitions

For the purposes of this Disclaimer:

  • Company (referred to as either “the Company”, “I”, “We”, “Us” or “Our” in this Disclaimer) refers to Fluent in Finance LLC.
  • Service refers to the website, newsletter and social media pages
  • You refers to the individual accessing the Service, or the company, other legal entity on behalf of which such individual is accessing or using the Service, as applicable, or anyone who uses, visits and/or views the website.
  • Website and newsletter refers to Fluent in Finance, accessible from https://befluentinfinance.com
  • Social media pages refers to Fluent in Finance, accessible from https://befluentinfinance.com/links

2. General Information

Fluent in Finance provides general educational and recreational information on various topics, which should not be construed as professional, financial, investing, business, tax or legal advice. These are our personal opinions only.

Please read this Disclaimer carefully, and we reserve the right to modify it at any time without notice.  By visiting and using this website, you accept and agree to be bound by this Disclaimer. Your continued use of the website constitutes your acceptance of future changes and updates to this Disclaimer. You must not access or use the website if you do not wish to be bound by this Disclaimer.

Reading and using this website, newsletter or any content created by Fluent in Finance, you are indicating your consent and agreement to this disclaimer and our terms of use.

3. Advice

This site provides material for informational, educational, recreational and entertainment purposes. The contents of Fluent in Finance website do not constitute advice and should not be relied upon in making or refraining from making, any decision. Investment products discussed are for illustrative purposes only, and is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Always do your own due diligence, and remember that past performance does not guarantee future returns.

4. Legal

The content on Fluent in Finance is for informational, educational, recreational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor.

I do not give individualized financial advice. If you require such advice, contact a certified financial planner or other dedicated professional so that they can review your unique situation and tailor their advice for you.

Investments carry risk and may lose value. BeFluentInFinance.com is not responsible for loss of value; all investment decisions that you make are yours alone.

Before investing, you should be aware of the risks involved, and take appropriate risk mitigation steps as necessary. Check multiple sources for information prior to investing; do not strictly rely on my articles as there could be errors.

We do not provide individual investment counseling, act as an advisor, or individually advocate the purchase or sale of any security or investment.  You assume the entire cost and risk of any investing or trading you choose to undertake.  You are solely responsible for making your own investment decisions.

Fluent in Finance is not a registered investment advisor or dealer.  Readers should not view this publication as offering personalized legal or investment counseling. Investments discussed in this publication should only be made/considered after consulting with your investment advisor and only after reviewing the prospectus, other offering materials or financial statements.

5. General Disclaimer

The information contained on the Service is for general information purposes only.

The Company assumes no responsibility for errors or omissions in the contents of the Service.

In no event shall the Company be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Service or the contents of the Service. The Company reserves the right to make additions, deletions, or modifications to the contents on the Service at any time without prior notice.

6. No Responsibility Disclaimer

The information on the Service is provided with the understanding that the Company is not herein engaged in rendering legal, accounting, tax, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional accounting, tax, legal or other competent advisers.

In no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever arising out of or in connection with your access or use or inability to access or use the Service.

7. “Use at Your Own Risk” Disclaimer

All information in the Service is provided “as is”, with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose.

The Company will not be liable to You or anyone else for any decision made or action taken in reliance on the information given by the Service or for any consequential, special or similar damages, even if advised of the possibility of such damages.

8. Errors and Omissions Disclaimer

The information given by the Service is for general guidance on matters of interest only. Even if the Company takes every precaution to insure that the content of the Service is both current and accurate, errors can occur. Plus, given the changing nature of laws, rules and regulations, there may be delays, omissions or inaccuracies in the information contained on the Service.

9. Securities, Investment and Financial Information Disclaimer

None of the information, advertisements, website links, or any opinions expressed constitutes a solicitation of the purchase or sale of any securities, options or commodities. Fluent in Finance, its affiliates, agents and partners are not liable for any losses or damages, monetary or other that may result from the application of information contained within this Website and/or newsletter. Within the Website, Fluent in Finance publishes materials that meet specific criteria representing characteristics associated with described trading strategies, education or resources. Users must do their own due diligence in analyzing featured stocks, options or trades to determine if they represent a suitable opportunity.  Fluent in Finance is not responsible for any losses or profits that may result from the application of information contained within this Website or links mentioned on the Website. Past performance is not indicative of future results. Stock market trading involves substantial risk. You can lose money trading. The past results posted on this site are meant to give you a reasonable idea of what you could have made or lost trading by following Fluent in Finance, but are in no way an exact reflection of what you would have made or lost. Therefore, you should not rely on our past trade results as a perfect replication of what your returns or losses would have been by following the posts. There are inherent risks involved in the stock market and these risks should be considered prior to any decision. Fluent in Finance may or may not hold a position in any stocks listed at the time of publication and reserve the right to buy or sell any security, option, future or derivative product without notification.

Please note that Fluent in Finance may already have invested or may from time to time invest in securities that are recommended or otherwise covered on this website. Neither Fluent in Finance nor its principals intend to (unless they wish to) disclose the extent of any current holdings or future transactions with respect to any particular security. You should consider this possibility before investing in any security based upon statements and information contained in any report, post, comment or recommendation you receive from Fluent in Finance.

Nothing published by Fluent in Finance should be considered personalized investment advice. Although Fluent in Finance may answer your general questions or comments, they are not licensed under securities laws to address your particular investment situation. No communication by Fluent in Finance to you should be deemed as personalized investment advice.

Fluent in Finance receives compensation in a variety of ways, including direct advertising, affiliate advertising, sponsored content, display advertising, email marketing, and more.

10. External Links Disclaimer

The Service may contain links to external websites that are not provided or maintained by or in any way affiliated with the Company.

Please note that the Company does not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

The Company is not responsible for any errors or omissions, or for the results obtained from the use of this information.

11. Fair Use Disclaimer

The Company may use copyrighted material which has not always been specifically authorized by the copyright owner. The Company is making such material available for criticism, comment, news reporting, teaching, scholarship, or research.

The Company believes this constitutes a “fair use” of any such copyrighted material as provided for in section 107 of the United States Copyright law.

12. FTC Affiliate Disclaimer

The disclosure that follows is intended to fully comply with the Federal Trade Commission’s policy of the United States that requires to be transparent about any and all affiliate relations the Company may have on the Service.

Some content may contain affiliate or referral links. You should assume that some of the links are “affiliate links”, a link with a special tracking code.

This means that if You click on an affiliate link and purchase the item, the Company may receive an affiliate commission. This is a legitimate way to monetize and pay for the operation of the Service and the Company gladly reveal its affiliate relationships to You.

The price of the item is the same whether it is an affiliate link or not. Regardless, the Company only recommend products or services the Company believe will add value to users.

Affiliate advertising programs that the Service uses are:

  • Amazon
  • Awin
  • Impact
  • Rakuten

If You wish to use copyrighted material from the Service for your own purposes that go beyond fair use, You must obtain permission from the copyright owner.

13. Sponsored Posts Disclaimer

We may include sponsored posts on our website or social media pages from time to time for products or services we recommend or those that have been valuable in our personal experience or use. We share this information as examples to you but it does not serve as a guarantee or promise of any kind for your results and successes if you decide to use the same information, reviews, products, services, tips and techniques offered here. You are encouraged to perform your own due diligence and research and are solely responsible for your decisions, purchases from our affiliate links and results. Your earning potential and results are contingent upon your personal circumstances, abilities, experience and skills. Therefore, you agree not to hold us and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us liable for any of your successes or failures directly or indirectly related to the information, reports, reviews, products and/or services presented to you here.

14. Limitation of Liability

You agree that under no circumstances, we shall be liable for any direct, indirect, incidental, consequential, equitable, special, punitive, exemplary or any other damages resulting from your use of this website including but not limited to all the content, information, products, services and graphics presented here.

You expressly agree that your use of the website is at your sole risk and that you are solely responsible for the accuracy of the personal and any information you provide, outcome of your actions, personal and business results, and for all other use in connection with the website.

You also expressly agree that we and/or our officers, employees, successors, shareholders, joint venture partners or anyone else working with us shall not be liable to you for any damages resulting from 1) any errors or omissions on the website, delay or denial of any products or services, failure of performance of any kind, interruption in the operation and your use of the website, website attacks including computer virus, hacking of information, and any other system failures; 2) any loss of income, use, data, revenue, profits, business or any goodwill related to the website; 3) any theft or unauthorized access by third party of your information from the website regardless of our negligence; and 4) any use or misuse of the information, products and/or services offered here.

This limitation of liability shall apply whether such liability arises from negligence, breach of contract, tort or any other legal theory of liability. You agree that we provide no express or implied guarantees to you for the content presented here, and you accept that no particular results are being promised to you here.

15. Indemnity

You agree to indemnify and hold Fluent in Finance and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against Fluent in Finance arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.

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