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Terms of Use

Copyright of this website and its contents are owned by Dennis Ackley or, in the case of third-party materials, the owner of that content. You may download, reproduce and display one copy of the material for personal use, provided that:

  • All reproductions, displays, and other uses must be attributed to Dennis Ackley and accompanied by the following or similar copyright notice: Copyright [insert current year] Dennis Ackley
  • You may not use the website material commercially, charge fees for its use or use it as a vehicle for advertising.
  • You may not modify or edit any website material without the written permission of Dennis Ackley.

By using the website (the “Site”), you are deemed to have agreed to all of these Terms of Use and their application to all users of the Site. If you choose not to accept these Terms of Use, you may not use the Site.

Dennis Ackley believes in protecting the privacy of users of this Site. We collect personal information only when necessary. We collect only aggregate information about the behavior of web visitors in order to improve the quality of the site. If you send an e-mail message to us, we will use your e-mail address and other information you provide to respond to your request. We do not use “cookies” to save personal information. Cookies are used only during a user session. We do not share or sell the information you provide with other parties. This privacy policy is subject to change. All changes will be posted on this page. If you have any questions about our privacy practices, please contact Dennis Ackley at [email protected].

INFORMATIONAL SERVICE ONLY; NO ADVICE IS PROVIDED is an informational service only. We do not provide investment, legal, or tax advice. The information provided is for general educational purposes only and is not intended to substitute for the advice of your investment, legal, and tax advisers or to be the basis of specific investment activities or any decisions. Please consult with a professional of your choice for the treatment of your exact situation., its suppliers (collectively, “providers”) do not guarantee any results of activities and will have no responsibility whatsoever for any activities of users of the Site. makes no warranties or representations concerning the information on the Site. By your use of the Site, you waive any claims of any nature whatsoever against unless such claims are based on intentional, knowing misrepresentation. will not be responsible for any misrepresentation of other parties.The Site and all content, information, and software on it are owned by our providers or us and you obtain no rights therein. Copyright, trade secret, and other laws protect such items and you may not violate our rights or the rights of third parties in such items.

Your use of the Site is at your sole risk. The Site is provided on an “as is” and “as available” basis. and its providers expressly disclaim all warranties of any kind, expressed or implied, including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no representation or warranty that the Site will meet your requirements, that use of the Site will be uninterrupted, timely, secure or error-free, that any results that will be obtained from the use of the Site will be accurate or reliable or that any errors in the Site or its software will be corrected. Neither we nor any third-party provider makes any representation or warranty as to the quality of any information, services, or products you obtain through the Site.

Anything you obtain from or through the Site is obtained at your own discretion and risk, and you assume all risks to your computer system or as to the loss of data resulting from your use of the Site or any downloading of materials.

You expressly agree that neither nor any of its providers will, under any circumstances, be liable for direct, indirect, incidental, consequential, special, or exemplary damages, including loss of revenue, goodwill or profits, arising from (a) any use of the Site or inability to use the Site, (b) any information provided, (c) the cost of obtaining substitute goods, information or services, (d) unauthorized access to or alteration of any data you provide or (e) statements or conduct of any third party on the Site. The foregoing all apply even if has been apprised of the possibility of such damages.

Some jurisdictions do not allow for the exclusion of certain warranties or the limitation or exclusion of certain damages, such as incidental or consequential damages. Accordingly, some of the foregoing provisions may not apply to you. If any provision of these Terms of Use is found to be invalid, you and we agree that the remaining provisions shall remain in full force and effect and that a court should endeavor to give effect to such remaining provisions.

If you have any questions or comments on these Terms of Use or otherwise wish to bring any matter to our attention, please e-mail us at: [email protected].

All information on this Site is the opinion of Dennis Ackley (or is attributed to cited sources) and is in no way meant to be used in place of professional financial advice.