Disclaimer and Terms

Ownership and Operating Authority: This software was written by Robert Grzesik of Lumiwealth. Robert Grzesik should be considered an employee of Lumiwealth for all legal purposes.

Limitation of Liability: UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO  NEGLIGENCE, SHALL ROBERT GRZESIK OR LUMIWEALTH BE LIABLE TO YOU FOR DIRECT, INDIRECT,  INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES EVEN  IF ROBERT GRZESIK OR LUMIWEALTH HAVE BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH  DAMAGES, ARISING FROM USE OF OR INABILITY TO USE THE INFORMATION, SERVICES, SPREADSHEETS, SOFTWARE, PRODUCTS, OR SUBSCRIPTIONS ON THIS SITE, SUCH AS,  BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS OR LOST BUSINESS. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages. In no event shall Robert Grzesik or Lumiwealth’s total liability to you for all damages, losses,  fees, costs, expenses, and causes of action (whether in contract or tort, including but not limited to negligence) exceed the annual amount paid by you, if any, for accessing this software. 

Indemnification: As a user of this software, you agree, at your own expense, to indemnify, defend, and hold harmless Robert Grzesik or Lumiwealth against any claim, suit, action or other proceeding brought against Robert Grzesik or Lumiwealth based on or arising in connection with your use of this software. You agree to pay any and all costs, damages, and expenses, including, but not limited to reasonable attorneys’ fees and costs awarded against or otherwise incurred by, or in connection with, or arising from any such claim, suit,  action, or proceeding attributable to any such claim. 

Not a Registered Investment Adviser: Robert Grzesik is not registered as an investment adviser with any authority, local or sovereign. Investment information is provided without consideration of the financial sophistication, financial situation, investment horizon, or risk tolerance of individual users of this software. All users are expected to consult with their own independent financial advisers and perform their own due diligence research before making any trade or investment decisions. 

Information and Opinions: Information and results associated with this software are provided solely for informational or general educational purposes and should not be construed as an offer to sell or the solicitation of an offer to buy securities or to provide investment advice. The opinions and analysis included herein are based on sources believed to be reliable, but no representation or warranty, express or implied is made as to their accuracy, completeness, timeliness, or correctness. All investment information contained herein should be verified independently. Robert Grzesik or Lumiwealth may have long or short positions in the securities discussed on this site. They both may buy or sell the securities discussed for  purposes of investment or trading without disclosing such trades to users of this software. 

Results: Past performance is not necessarily indicative of future results. Investment information may not be appropriate for all investors. 

CFTC RULE 4.41 – HYPOTHETICAL PERFORMANCE RESULTS HAVE MANY INHERENT  LIMITATIONS, SOME OF WHICH ARE DESCRIBED BELOW. NO REPRESENTATION IS  BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFITS OR LOSSES SIMILAR TO THOSE SHOWN. IN FACT, THERE ARE FREQUENTLY SHARP DIFFERENCES 

BETWEEN HYPOTHETICAL PERFORMANCE RESULTS AND THE ACTUAL RESULTS  SUBSEQUENTLY ACHIEVED BY ANY PARTICULAR TRADING PROGRAM. 

ONE OF THE LIMITATIONS OF HYPOTHETICAL PERFORMANCE RESULTS IS THAT THEY  ARE GENERALLY PREPARED WITH THE BENEFIT OF HINDSIGHT. IN ADDITION,  HYPOTHETICAL TRADING DOES NOT INVOLVE FINANCIAL RISK, AND NO  HYPOTHETICAL TRADING RECORD CAN COMPLETELY ACCOUNT FOR THE IMPACT OF  FINANCIAL RISK IN ACTUAL TRADING. FOR EXAMPLE, THE ABILITY TO WITHSTAND  LOSSES OR TO ADHERE TO A PARTICULAR TRADING PROGRAM IN SPITE OF TRADING  LOSSES ARE MATERIAL POINTS THAT CAN ALSO ADVERSELY AFFECT ACTUAL  TRADING RESULTS. THERE ARE NUMEROUS OTHER FACTORS RELATED TO THE  MARKETS IN GENERAL OR TO THE IMPLEMENTATION OF ANY SPECIFIC TRADING  PROGRAM WHICH CANNOT BE FULLY ACCOUNTED FOR IN THE PREPARATION OF  HYPOTHETICAL PERFORMANCE RESULTS AND ALL OF WHICH CAN ADVERSELY  AFFECT ACTUAL TRADING RESULTS. 

U.S. Government Required Disclaimer – Commodity Futures Trading Commission states: Futures and Options trading has large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the futures and options markets. Don’t trade with money you can’t afford to lose. This is neither a solicitation nor an offer to Buy/Sell futures,  stocks, or options on the same. No representation is being made that any account will or is likely to achieve profits or losses similar to those discussed in this document. The past performance of any trading system or methodology is not necessarily indicative of future results. 

Risk: The risk of loss in the trading of stocks, ETFs, options, futures, FOREX, foreign equities, and bonds can be substantial. Trading these instruments may not be suitable for all investors. Strategies discussed on this site should be considered speculative and contain a high degree of volatility and risk. 

Third-Party Vendors: Robert Grzesik or other Lumiwealth employees may mention the products or services of third-party vendors for this software. If Robert Grzesik or Lumiwealth are compensated directly by such third-party vendors, this relationship will be disclosed. Even if specific products or services are mentioned or used, that does not constitute an endorsement of these products or services. It is your responsibility to evaluate the suitability and credibility of such products and services. 

Legal: In the event of disagreements between the parties, all parties agree to submit to binding arbitration. This agreement shall be governed in accordance with the laws of the Province of Ontario, Canada and the parties agree that the jurisdiction and sole venue to resolve any disagreements shall be in Toronto, Ontario. The intellectual property rights, limitation of liability, indemnification, and confidentiality provisions shall survive expiration or termination of subscriptions, services, product offerings, or agreements by either party.