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1.  Acceptance of Terms
These Terms of Use ("TOU") govern your use of “American Growth Stocks”; “International Growth Stocks”; “Israeli Growth Stocks”; and “New England Growth Stocks” (collectively, the “Sites”).  Please read these TOU carefully.  By using any of the Sites, you agree to comply with these TOU.  If you do not agree to the terms and conditions contained in the TOU, you agree not to use the Sites, and Walter Ramsley does not consent to provide you with access to the Sites.
Mr. Ramsley reserves the right at any time to change the terms and conditions of the TOU and change all or any portion of the Sites, including but not limited to eliminating or discontinuing any content or feature of the Sites.  Any changes made to the TOU will be effective immediately after posting the modified TOU on the Sites.  You should check the TOU frequently.

2.  Important Disclosures
Walter Ramsley is a co-founder and principal of Walrus Partners, LLC (“Walrus”), a Registered Investment Adviser Firm that manages investment accounts using a strategy similar to the one presented in the Sites.  Walrus provides individual investment advice to clients in a managed fund and, accordingly, has a fiduciary obligation to its clients, but not to users of the Sites.

The Sites contain Mr. Ramsley’s own opinions and all content is for educational purposes only.  You understand that no content published as part of the Sites constitutes a recommendation that any particular investment, security, portfolio of securities, transaction or investment strategy is suitable for any specific person.  You further understand that Mr. Ramsley is not advising you personally concerning the nature, potential, value or suitability of any particular investment, security, portfolio of securities, transaction, investment strategy or other matter.  To the extent any of the content published as part of the Sites may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person.  You should consult with an investment advisor familiar with your specific situation before making any investment.

You understand and agree that, from time to time, Mr. Ramsley may write about investments or securities in which he or Walrus has a position, and that either may trade for their own accounts.  In cases where the position is held at the time of publication, appropriate disclosure is made.  In addition, Mr. Ramsley or Walrus may be subject to certain restrictions on trading for their own accounts.

From time to time, reference may be made to prior articles. As markets change continuously, previously published information and data may not be current and should not be relied upon.  Before selling or buying any investment, you should consult with a qualified broker or other financial professional to verify pricing information.

3.  Privacy
By using any of the Sites, you agree to the terms of the “Blogger Terms of Service” and the “Blogger Privacy Notice”.

4.  Proprietary Rights
The content distributed through the Sites, with the exception of any third-party content, is the property of Walter Ramsley.  You may access and use the content solely for your personal non-commercial use.  You acknowledge that you do not acquire any ownership rights by using the Sites.

5.  User Conduct and User-Generated Content
Certain areas of the Sites allow you to post content that can be accessed and viewed by the general public (“User-Generated Content”).  By posting, sending or transmitting any User-Generated Content, you agree to the “Blogger Terms of Service” and “Blogger Content Policy”.  You understand that all information, data, text, images, hyperlinks or other materials are the sole responsibility of the person from whom such User-Generated Content originated.  Your further understand that Mr. Ramsley has no obligation to monitor, and takes no responsibility for, any User-Generated Content.

6.  Disclaimer of Warranties and Limitation of Liabilities
The accuracy, completeness or timeliness of the information posted on the Sites is not guaranteed.  There may be delays, omissions, or inaccuracies in the information.  Do not rely on any statements made on the Sites.  Although content distributed through the Sites is based on sound judgment and research, no warranty is given or implied as to its true reliability.  You understand that the responsibility for decisions made from information contained in the Sites lies solely with the individual making those decisions.

ACTIVE TRADING INVOLVES A HIGH DEGREE OF RISK.  BY USING ANY OF THE SITES, YOU ASSUME ALL RISKS AND LIABILITIES RELATED TO ACTIVE TRADING AND HOLD MR. RAMSLEY AND WALRUS FREE AND HARMLESS FROM ANY AND ALL LIABILITY.

Terms of Use