Terms of Service
All Information available through “AYearLater.com” is the property of Emmett Charles LLC.or its Information Providers and is protected by copyright and intellectual property laws. All rights reserved.
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.
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.
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.
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.
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.
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.
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.
If you have further questions about our privacy practices, please contact us by e-mailing.