Terms of Service

Terms of Use:

Copyright

You may not reproduce, retransmit, disseminate, sell, publish, broadcast, nor shall the Information be used in connection with creating, promoting, trading, marketing Investment Products without the express written consent of Emmett Charles LLC or its Information Providers. You are entitled to use the Information it contains for your private, non-commercial use only.

Trademarks

Nature of Service

“AYearLater.com” contains statements and statistics that have been obtained from sources believed to be reliable but are not guaranteed as to accuracy or completeness. References to any specific securities do not constitute an offer to buy or sell securities. The past performance of a mutual fund, stock, or investment strategy cannot guarantee its future performance.

Disclaimers

Neither Emmett Charles LLC, nor its Information Providers and affiliate sites can guarantee the accuracy, completeness, timeliness, or correct sequencing of any of the Information on the Web site, including, but not limited to Information originated by AYearLater.com, licensed by Emmett Charles LLC from Information Providers, or gathered by Emmett Charles LLC from publicly available sources. There may be delays, omissions, or inaccuracies in the Information.

NEITHER EMMETT CHALES LLC NOR THE INFORMATION PROVIDERS SHALL HAVE ANY LIABILITY, CONTINGENT OR OTHERWISE FOR THE ACCURACY, COMPLETENESS, TIMELINESS, OR CORRECT SEQUENCING OF THE INFORMATION OR FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE UPON THE INFORMATION OR “AYEARLATER.COM,” OR FOR INTERRUPTION OF ANY DATA, INFORMATION, OR ANY OTHER ASPECT OF “AYEARLATER.COM ” THE PAST PERFORMANCE OF A MUTUAL FUND, STOCK, OR INVESTMENT STRATEGY CANNOT GUARANTEE ITS FUTURE PERFORMANCE.

NEITHER EMMETT CHARLES LLC, NOR ITS INFORMATION PROVIDERS MAKE ANY REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES CONTAINED IN “MORNINGSTAR.COM” ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND.

PRIVACY POLICY – COMMITMENT TO YOUR PRIVACY

The Privacy Policy was last updated on June 2013

Policy Information

Your privacy is very important to us. At Emmett Charles LLC and its affiliate properties, we want to make your experience with us satisfying and safe.

This Privacy Policy outlines the types of information we gather from your use of the product, how we use it, with whom we might share it, the means by which we keep it secure, and the choices you have about the information you choose to share with us.

If you have any questions about the privacy practices of Emmett Charles LLC and its affiliate properties or this Privacy Policy, please e-mail Info@emmettchartles.com

PERSONAL INFORMATION WE COLLECT

The types of personal information we collect depend on the product or service you (“You”) receive from us. This information may include, but is not limited to:

Your Name, phone number, physical and e-mail address
Your Credit Card number
Your Account Information, including, but not limited to, account balances and the like
Your Demographic Information, such as your age, income range, investment preferences, etc,
Stock and fund information (e.g., stock or fund ticker symbols), if you create a personalized portfolio, as well as financial information relating to the stocks or funds you track.

PERSONAL INFORMATION WHY WE COLLECT IT

Emmett Charles LLC and its affiliate properties may collect certain personal information to provide You with investment information and tools, to perform marketing and research related activities, to supply other administrative services (e.g., setting up new accounts), to respond to inquiries, etc. In addition we may from time to time review your usage of the site to be able to better provide you with information about products or services that we believe may be interest to you.

PERSONAL INFORMATION HOW WE COLLECT IT

The personal information we collect may be captured from a variety of sources. These sources include, but are not limited to:

Voluntary submissions (e.g., responses to surveys, requests for information on our products or those of our advertisers/marketing partners)
Registrations/Applications to receive products or services.
Reviews of site usage patterns

USE AND ACCESS OF YOUR PERSONAL INFORMATION WITH OTHERS

As a general rule, Emmett Charles LLC and its affiliate properties will not make the personal information gathered using Emmett Charles LLC and its affiliate properties available to anyone outside of Emmett Charles LLC and its affiliate properties — except as instructed by you or where required to comply with law. Please note, however, that there are several exceptions to this policy. First, if we use service providers, these service providers may have access to your personal information to perform contractually specified services on behalf of Emmett Charles LLC and its affiliate properties or You. Second, if You indicate that You are interested in receiving information about a particular third party’s products/services, or You opt to receive certain products or services through Emmett Charles LLC and its affiliate properties, we may provide your personal information to that third party for purposes of fulfilling your request(s). With respect to service provider, Emmett Charles LLC and its affiliate properties contractually requires that all personal information be kept confidential. Additionally, Emmett Charles LLC and its affiliate properties takes reasonable steps to ensure that third parties receiving information about you at your request maintain the confidentially of that information.

LINKS TO OTHER WEB SITES

Emmett Charles LLC and its affiliate properties may provide links to one or more other Web sites. We encourage you to read their individual privacy policies before providing any of your personal information to them.

PROTECTION OF YOUR PERSONAL INFORMATION

Emmett Charles LLC and its affiliate properties puts reasonable security measures in place to protect against unauthorized access to, or unauthorized alteration, disclosure or destruction of personal information. These measures include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.

Emmett Charles LLC and its affiliate properties operates secure data networks protected by industry standard firewall and password protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided.

USE of COOKIES

Emmett Charles LLC and its affiliate properties uses Cookies to set users’ preferences, gather basic tracking information (such as login and password), date, time of visit and preferences, and monitor the presentation of our site. This information allows us to personalize the user experience and to improve the quality of our site navigation. Cookies do not reveal the identity of the individual user but only identify the computer utilized by that user.

Please note that advertisers on our site may also deploy cookies and other technology to gather users’ basic site usage information (such as pages visited or frequency of visits) to measure and improve the effectiveness of their advertising. For more information regarding Advertisers’ practices, including how to opt-out of their cookie tracking, please visit the advertisers’ privacy policies.

For more information regarding advertising network practices, including how to opt-out of their cookie tracking, please visit the ad network’s privacy policy at:

http://www.networkadvertising.org/optout_nonppii.asp http://www.advertising.com/privacy_policy.php http://casalemedia.com/privacy.html http://www.marchex.com/legal/privacy-statement.html

For more information regarding ad serving network practices, including how to opt-out of their cookie tracking, please visit the ad server’s privacy policy at:

http://www.zedo.com/company/privacy.htm http://mediaplex.com/MOJO_Privacy_Statement.shtml http://www.atlassolutions.com/privacy.aspx http://www.google.com/intl/en/privacy.html

For more information regarding the gathering of site usage information, including how to opt-out of their cookie tracking, please visit AudienceScience’s privacy policy at:

http://audiencescience.com/privacy.asp

These service providers may change from time to time without notice.

ACCURACY OF YOUR PERSONAL INFORMATION

You are responsible for periodically checking to ensure that your personal information included in site is updated and correct.

HOW TO UPDATE PERSONAL INFORMATION

If You desire to update any personal information, You may do so by accessing Emmett Charles LLC and its affiliate properties.

WHAT ABOUT CHILDREN’S PRIVACY

Emmett Charles LLC and its affiliate properties does not separately identify, or collect, any information that is specific to children.

YOUR CONSENT

By using the Emmett Charles LLC and its affiliate properties, you consent to the collection and use of your personal information and any related information in the manner described in this Privacy Policy.

CHANGES TO THE PRIVACY POLICY

Emmett Charles LLC and its affiliate properties reserves the right to change this policy at any time by distributing and/or posting a new privacy policy without notice. We encourage you to review our privacy policy on a regular basis so that you will be aware of any changes to it.

If you have further questions about our privacy practices, please contact us by e-mailing.

A Year Later

consumer advise for the long haul