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What are the Terms of Use?


This link will take you to the full text of our Terms of Use:


This site is solely for informational and educational purposes related to your personal, private, and non-commercial use.
* In no way does this site constitute or provide investment advice.
* This site does not collect any specific information on the investment situation of any reader.
* This site does not render any advice on the basis of any readers' specific investment situation in accordance with the Investment Advisers Act of 1940, as amended.
* In no way does this site constitute a solicitation or offer to sell securities or investment advisory services.

This site is a financial publication of general and regular circulation. Except for reading and browsing via the World Wide Web, no part of this document or website may be reproduced, modified, disseminated, published, adapted in any manner or transferred without permission in writing from Lawrence Russell and Company.


'The Skilled Investor', 'Skilled Investor', '', '', 'VeriPlan', and 'Your Personal Financial Lifecycle Planner' are trademarks of Lawrence Russell and Company. All other trademarks and service marks are the properties of their respective owners.
What is the Privacy Policy?

Lawrence Russell and Company recognizes that your relationship with The Skilled Investor web site is based on trust and that you expect Lawrence Russell and Company to act responsibly and in your best interests regarding your privacy.

Lawrence Russell and Company does not sell, rent, or otherwise provide user information to third parties – whether it is your personal information or the fact that you use The Skilled Investor web site. We would only release information about you, if you direct us to do so or if we are compelled by law to do so.

Through The Skilled Investor web site, Lawrence Russell and Company may offer customized features that require our use of “HTTP cookies”—tiny pieces of information that we ask your browser to store. However, we intend to make limited use of these cookies. We do not use them to pull data from your hard drive, to learn your e-mail address, or to view data in cookies created by other web sites. We do not share the information in our cookies or give third parties access to them.

Your use of any information, products, services, content, and/or tools available on The Skilled Investor web site may be monitored by Lawrence Russell and Company. The resulting monitoring information may be used by Lawrence Russell and Company for its internal business purposes only.

These terms constitute notice under any applicable law or regulation by any jurisdiction within the United States. Lawrence Russell and Company reserves the right to modify this privacy policy at any time, but if Lawrence Russell and Company does make changes, Lawrence Russell and Company will tell you promptly through notice on The Skilled Investor web site home page.
What is the Copyright Policy?

Lawrence Russell and Company respects the intellectual property of others, and we ask our users to do the same.

If you believe that your copyrighted work has been infringed and you want us to take down or disable the infringement, you must provide us with the information requested on our Notification of Infringement form. This form can be found by following the link below. The information we request is intended to conform substantially to the requirements set forth in the Digital Millennium Copyright Act, 17 U.S.C. Section 512 (c)(3)(A).

This link will take you to the full text of our Copyright Policy:

Copyright Policy

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