Terms of use

By using this site you agree to these terms. If you do not agree, do not use the site.

The work

Articles and guides are for general information. They are not investment, legal, or tax advice. Cited figures belong to the named source. Every piece is written by Emilio Santos. There is no other author on this site.

Intellectual property

Text, design, and original images are owned by the publisher except where a license says otherwise. You may link to us. You may not copy articles wholesale, scrape the site for a competing product, or strip ads while republishing the work.

User submissions

If you send tips, letters, or form messages, you grant us a license to use them for the purpose you sent them, including publication if you asked us to consider a letter.

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Disclaimers

The site is provided “as is.” We do not warrant uninterrupted access or error-free content. To the extent allowed by law, we are not liable for indirect or consequential damages arising from use of the site.

Changes

We may update these terms. The date at the top is the current version.