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Terms, Conditions and Privacy Policy

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  1. Introduction, User’s Acknowledgment, and Acceptance of Terms

Roderick MacIver & Co. Inc. (“RMCI” “We”) provides a research publication based on financial statement trend analysis and other research methods through www.financial-statement-research.com (the “Site”) as a service to investors, traders, or anyone who accesses the Site (“You,” “Your,” “User,” “Users”). Your use of the Site or any Roderick MacIver & Co. Inc. product or service is expressly conditioned upon your acceptance of these Terms of Use including our Privacy Policy (“Terms”).

YOU AGREE TO BE BOUND BY THESE TERMS BY REGISTERING ON, VIEWING OR USING THIS SITE. IF THESE TERMS ARE NOT ACCEPTABLE TO YOU, PLEASE LEAVE THE SITE IMMEDIATELY. IF FOR ANY REASON YOU ARE DISSATISFIED WITH THE SITE, OR ANY SERVICE, PRODUCT, CONTENT, OR OTHER INFORMATION AVAILABLE ON OR THROUGH THE SITE, YOUR SOLE REMEDY IS TO CEASE USING THE SITE AND/OR PARTICULAR SERVICE OR PRODUCT, AND RECEIVE A PRO-RATED REFUND. YOUR AGREEMENT WITH RODERICK MACIVER CO. INC. REGARDING THESE TERMS BECOMES EFFECTIVE IMMEDIATELY UPON YOUR REGISTRATION, ACCESS TO, OR USE OF THE SITE.

We may modify, add or delete portions of this Terms of Use or Privacy Policy from time to time in our sole discretion. We will post the updated version on the Site. Your use of the Site or continued receipt of Information constitutes acceptance of such modifications, which shall be effective immediately upon posting on the Site.

  1. The Content On This Site, And In Roderick MacIver & Co. Inc. Published Materials, Is Copyrighted.

You may not reproduce, distribute, transmit, disseminate, sell, publish, display, broadcast, circulate or forward any part of Roderick MacIver & Co. Inc. published or displayed material, including material on this web site to anyone, including but not limited to others in the same company or organization, without the express prior written consent of Roderick MacIver & Co. Inc. This requirement and limitation includes, for example, electronic activities (such as emailing, scanning, web site posting, downloading, printing, ftp, etc.), photocopying, printing, faxing and the like. Authorized subscribers may print a single copy, not multiple copies, of Roderick MacIver & Co. Inc. from this web site solely for your own personal use. Additionally, authorized subscribers occasionally may use the website's “Share an Article” function to provide a Roderick MacIver & Co. Inc. article to a non-subscriber who may find it of interest. Subscribers may not share articles on a regular basis that could provide the recipient the benefits of a subscription. Using the share function results in Roderick MacIver & Co. Inc. receiving contact information for persons who might be interested in subscribing and information on which articles subscribers believe to be of wider interest.

NO OTHER COPYING, OF ANY KIND IS AUTHORIZED.

THE ACCESS THAT A SUBSCRIBER HAS TO THIS WEB SITE IS PERSONAL TO YOU, INDIVIDUALLY. YOU MAY NOT SHARE YOUR PASSWORD WITH OTHERS, EVEN OTHERS IN THE SAME COMPANY OR GROUP, OR PROVIDE OTHERS WITH ACCESS TO THIS SITE USING YOUR PASSWORD. THE SOFTWARE INSTALLED ON THE RODERICK MACIVER & CO. INC. PUBLISHING SITE AND ON SUBSCRIBERS’ COMPUTERS ENABLES RMCI TO MONITOR SUBSCRIBERS’ COMPLIANCE WITH THIS USER SERVICE AGREEMENT, AND YOU AGREE RMCI MAY DO SO. RMCI PUBLICATIONS, THIS WEB SITE, AND OTHER MATERIALS ALSO ARE PROTECTED BY FEDERAL COPYRIGHT LAW. THE COPYRIGHT ACT IMPOSES LIABILITY OF UP TO $150,000 PER ISSUE FOR INFRINGEMENT.

INFORMATION CONCERNING UNAUTHORIZED REPRODUCTION, DISTRIBUTION, DISPLAY OR OTHER INFRINGEMENT WILL BE GRATEFULLY RECEIVED.

Multiple copy discounts and limited (one-time) reprint arrangements may be available upon inquiry.

Please contact us at 802-234-3120 or rod@financial-statement-research.com regarding these terms, or if you have other questions.

  1. Risks of Information and Use of the Site

This Site provides information (“Information”) regarding, but not limited to, securities, securities markets and general investment strategies. The Information on www.financial-statement-research.com is provided by various sources (“Information Provider,” “Information Providers”) including, but not limited to, members, officers, employees, subcontractors, affiliates, or Users of the Site, and third party providers.

The strategies discussed in the Information are strictly for illustrative and educational purposes and should not be construed as a recommendation to purchase or sell, or an offer to sell or a solicitation of an offer to buy any security. There is no guarantee that any strategies discussed will be effective. The Information provided is not intended to be a complete analysis of every material fact respecting any strategy. The examples presented do not take into consideration commissions, tax implications or other transactions costs, which may significantly affect the economic consequences of a given strategy.

Roderick MacIver & Co. Inc. does not verify or monitor the accuracy, truthfulness, or completeness of any Information provided on the Site by such Information Providers and sent to you in the Information. Said Information may contain opinions, forecasts, or projections of the Information Providers and thus may not be fact. You should consider the motives of any Information Provider and independently verify any Information or claims they provide. Roderick MacIver & Co. Inc. does not endorse any opinion or recommendation by any Information Provider. We do not verify the identity of our Information Providers and thus you should not rely that the identity of any Information Provider is who they say they are.

You specifically acknowledge that Roderick MacIver & Co. Inc. will in no way be held liable for any potential or actual violations of United States laws or applicable state laws, including without limitation any federal or state securities laws, based on Information sent to you by Roderick MacIver & Co. Inc.

The Information on the Site may contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These statements can be identified by the fact that they do not relate strictly to historical or current facts. Forward-looking statements often include words such as “anticipates,” “estimates,” “expects,” “projects,” “intends,” “plans,” “believes” and words and terms of similar substance in connection with discussions of future operating or financial performance. Any forward-looking statements made speak only as of the date on which they are made and Roderick MacIver & Co. Inc. and its Information Providers are under no obligation to, and expressly disclaims any obligation to, update or alter any forward-looking statements, whether as a result of new information, subsequent events or otherwise.

By using this site, you agree that you fully understand that the stock market, other securities markets, and all financial forums contain implicit and explicit risks. That being acknowledged, understood, and agreed, anyone who directly or indirectly uses the Site and/or Information shall hold Roderick MacIver & Co. Inc. and any of its, members, officers, employees, subcontractors, affiliates, and/or third party providers harmless for any loss, injury, or damage resulting from the usage of the Site or any Information. All Users of the Site, agree that they alone bear complete responsibility for their own investment research and investment decisions, and that they will not hold Roderick MacIver & Co. Inc. and any of its, members, officers, employees, subcontractors, affiliates, and/or third party providers liable for any decisions or outcomes from actions made by them or others based directly or indirectly upon the Information or any other material provided by Roderick MacIver & Co. Inc.

Roderick MacIver & Co. Inc. is not a registered investment advisor or broker-dealer, and is not licensed nor qualified to provide investment advice. In addition, there is no requirement that any of our Information Providers be registered investment advisors or broker-dealers and we do not represent or warrant that such Information Providers are registered investment advisors, broker-dealers or otherwise licensed or registered under applicable law. Nothing published by Roderick MacIver & Co. Inc. should be considered personalized investment advice or investment services by Roderick MacIver & Co. Inc. or the Information Providers.

The Information is NOT a solicitation to BUY, SELL, or HOLD any securities mentioned, directly or indirectly, in the Information. Furthermore the Information should not be used as the basis for making any investment decision and you should consult your own independence financial investment advisor before making any such decision. Your own due diligence is of the utmost importance and highly recommended. Never buy stocks or other financial products based purely on the Information. Neither Roderick MacIver & Co. Inc. nor any Information Provider guarantees any specific outcome or profit, as, among other things, the strategies or investments discussed may fluctuate in price or value and the investments or strategies mentioned on the Site or in the Information may not be suitable for you. This material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you.

The material in the Information represents an assessment of the market environment at a specific time and is not intended to be a forecast of future events or a guarantee of future results. You should not rely upon this information as research or investment advice regarding the funds or any security in particular.

You must make an independent decision regarding investments or strategies mentioned on the Site or the Information. You affirm that buying stocks or any other financial instrument is risky and you may lose some or all of your money. Before acting on Information, you should consider whether it is suitable for your particular circumstances and seek advice from your own independent financial or investment advisor. YOU SHOULD VERIFY ALL CLAIMS, DO YOUR OWN DUE DILIGENCE AND/OR SEEK YOUR OWN PROFESSIONAL ADVISOR AND CONSIDER THE INVESTMENT OBJECTIVES AND RISKS BEFORE INVESTING IN ANY SECURITIES MENTIONED ON THE SITE OR IN THE INFORMATION. You specifically acknowledge that Roderick MacIver & Co. Inc. and any of its, members, officers, employees, subcontractors, affiliates, and/or third party providers will in no way be held liable for losses or gains arising out of any Information sent to you by Roderick MacIver & Co. Inc. or subscribed by you from Roderick MacIver & Co. Inc., and you waive any such claims on your own behalf and on behalf of your successors, heirs and representatives.

This site contains links to third party web sites. We make no warranties, either expressed or implied, regarding the utility, safety, accuracy or completeness of such third party web sites.
We do not guarantee availability of the Site as it may be subject to interruptions due to events within and outside of our control. We assume no liability for availability of the Site.

  1. Disclosure of Ownership

From time to time, Roderick MacIver & Co. Inc., its affiliates, members, officers or employees, Information Providers and/or their affiliates may, or may not, hold positions in one or more of the securities mentioned in the Information and may trade such positions in such securities at any time, without notification to you. Furthermore, Roderick MacIver & Co. Inc., its affiliates, members, officers, employees, Information Providers and/or their affiliates may have additional information regarding such securities and have no obligation to disclose such information to you at any time. They may also liquidate shares (or other securities) in profiled companies at any time without notice and at will. Such liquidation may have a negative impact on the securities being liquidated. There can be no assurances that (i) Information Providers’ goals, objectives, investment portfolio or strategies are consistent with your own investment objectives and (ii) that the Information Providers are continuing to pursue a strategy or investment decision contained in the Information.

  1. User Provided Content

Users may post, upload, publish, submit or transmit text, information or other materials to be made available through the Site (“User Content”). By making available any User Content through the Site, you hereby grant to Roderick MacIver & Co. Inc. a worldwide, irrevocable, perpetual, non-exclusive, transferable, royalty-free license, with the right to sublicense, to use, copy, adapt, modify, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast and otherwise exploit such User Content. Roderick MacIver & Co. Inc. does not claim any ownership rights in any such User Content and nothing in these Terms of Use will be deemed to restrict any rights that you may have to use and exploit any such User Content.

You acknowledge and agree that you are solely responsible for all User Content that you make available through the Site. You agree that Roderick MacIver & Co. Inc. is not responsible for any legal action, harm, or loss resulting from providing User Content to our Users. You represent and warrant that: (i) you either are the sole and exclusive owner of all User Content that you make available through the Site or you have all rights, licenses, consents and releases that are necessary to grant to Roderick MacIver & Co. Inc. the rights in such User Content, as contemplated under these Terms of Use; and (ii) neither the User Content nor your posting, uploading, publication, submission or transmittal of the User’s Content or Roderick MacIver & Co. Inc.’s use of the User Content (or any portion thereof) on, through or by means of the Site will infringe, misappropriate or violate a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.

You agree not to post, upload, publish, submit or transmit any text, graphics, information or other material that: (i) infringes, misappropriates or violates a third party’s patent, copyright, trademark, trade secret, moral rights or other intellectual property rights, or rights of publicity or privacy; (ii) violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability; (iii) is fraudulent, false, misleading or deceptive; (iv) is defamatory, obscene, pornographic, vulgar or offensive; (v) promotes discrimination, bigotry, racism, hatred, harassment or harm against any individual or group; (vi) is violent or threatening or promotes violence or actions that are threatening to any other person; or (vii) promotes illegal or harmful activities or substances.
You agree not to provide any User Content that contains material, non-public information or knowingly post statements that are not true.

  1. Credentials and Security

You agree that your account with us is for your sole use and agree not to share or otherwise make your account available to others. Furthermore, you agree to keep your credentials including your password secure. You agree that you are liable for any use of the site done with your credentials.

Users of the Site agree that they will maintain only one account on the Site.

  1. User’s Conduct on the Site

In addition to these Terms, Members and Subscribers of the Site agree to follow such rules that are posted on the site and amended from time to time. Such rules are posted within the forums and are incorporated by reference. Roderick MacIver & Co. Inc. reserves the right, but has no obligation, to delete any content that violates the Terms of this agreement or is otherwise objectionable to Roderick MacIver & Co. Inc. We are not responsible for any delay in deleting such content if we chose to delete such content.

Roderick MacIver & Co. Inc. reserves the right, but has no obligation, to terminate the membership, subscription, use, or specific feature of the site of any User who violates the law or these Terms. If your membership, subscription, or use is terminated, your obligations under these Terms, including, but not limited to indemnification and unpaid fees shall survive such termination.

  1. Payment and Refunds

Payment for subscriptions is done in advance and by default renews automatically for periods subsequent to your initial purchase. If you do not pay your subscription when due we will terminate your service. You agree that your credit card or other payment service will be charged automatically for renewal unless you notify Roderick MacIver & Co. Inc. in advance that you wish to disable automatic renewal. Unless you are otherwise notified, the duration of such renewal will be the same as the length of the initial subscription (e.g. yearly subscriptions renew in yearly increments). Renewals will be at the then current rate applicable for your subscription duration. If your credit card company refuses to pay the billed amount for any reason, you agree that we may terminate your service.

RODERICK MACIVER & CO. INC. PROVIDES A PRORATA REFUND, ON REQUEST, OF ALL MONEYS PAID FOR A SUBSCRIPTION ON CANCELLATION.

  1. Disclaimer of Warranty, Limitation of Liability, and Indemnification

THE INFORMATION AND MATERIALS ON THIS SITE ARE PROVIDED ON AN “AS IS”, “AS AVAILABLE” BASIS. RODERICK MACIVER & CO. INC. DOES NOT GUARANTY THAT THE INFORMATION OR ANY INFORMATION ON THE SITE IS ACCURATE OR CURRENT. IRODERICK MACIVER & CO. INC. MAKES NO WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO THE INFORMATION OR THE SITE. ALL IMPLIED AND STATUTORY WARRANTIES, INCLUDING BUT NOT LIMITED TO, THE WARRANTY OF MERCHANTABILITY, THE WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, AND THE WARRANTY OF NON-INFRINGEMENT OF PROPRIETARY RIGHTS, ARE EXPRESSLY DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW. RODERICK MACIVER & CO. INC. RESERVES THE RIGHT TO CHANGE THE CONTENT OF THE SITE AT ANY TIME WITHOUT NOTICE.

TO THE FULLEST EXTENT PERMITTED BY LAW, RODERICK MACIVER & CO. INC. EXPRESSLY DISCLAIMS ALL LIABILITY FOR, AND YOU AGREE TO INDEMNIFY AND HOLD RODERICK MACIVER & CO. INC., ITS MEMBERS, OFFICERS, AND AFFILIATES HARMLESS FOR, ANY DAMAGES OR LOSSES AS A RESULT OF YOUR USE OF OR INABILITY TO USE THE SITE, THE INFORMATION OR MATERIALS YOU PROVIDE TO THE SITE, THE INFORMATION OR YOUR RELIANCE ON THE INFORMATION CONTAINED ON THE SITE, OR YOUR VIOLATION OF THESE TERMS OR APPLICABLE LAW.

  1. General

You have the sole responsibility to purchase and maintain the equipment and communications services you use to access this Site. We are not responsible for any costs or damages caused to your equipment and communications services that happens because of access to the Site.

You agree that your account is non-transferable and that any rights to your account terminate upon your death.

These Terms as specified in this document constitute the entire agreement between you and Roderick MacIver & Co. Inc.


Any legal dispute arising out of your use of the Site or these Terms will be governed by the laws of the United States of America and the State of Florida without giving effect to rules governing choice of laws. Those who choose to access the Site from locations outside of the United States do so on their own initiative, and are responsible for compliance with local laws if and to the extent local laws are applicable. The Information provided by Roderick MacIver & Co. Inc. is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Roderick MacIver & Co. Inc. to any registration requirement within such jurisdiction or country.

Regardless of any applicable statue or law, you agree that any claim or cause of action related to the use of the Site, our Terms of Use, or Privacy Policy must be filed within one (1) year after such claim or cause of action arose or it shall forever be bared.

If any part of these Terms is found unenforceable or invalid, that part shall be construed as closely as possible in a manner consistent with applicable law to reflect the original intentions and the remaining parts shall remain in full force and effect.

Privacy Policy

Roderick MacIver & Co. Inc. recognizes and respects the sensitive nature of information collected through our website and the right of consumers to protect it. This Privacy Policy describes how we handle information we learn about you from our website. In particular, without your prior express permission which we are not likely to ask for, we do not rent or sell email addresses, postal addresses or telephone contact information to any third parties. We may email you from time to time with general service-related announcements, but you can opt out of this if desired (please see the privacy features in registration).

The Site allows users to register with Roderick MacIver & Co. Inc. to receive periodic updates with Information. Registrants can register online, and are required to provide Roderick MacIver & Co. Inc. with their e-mail address. By registering with Roderick MacIver & Co. Inc., you are consenting to have your personal data transferred to and processed in the United States.

Disclosure to Third Parties: We also may disclose your personal information as required by applicable law and may perform disclosures that are necessary or advisable to: (a) protect our rights, safety or property; (b) enforce the Terms of Use; (c) respond to your requests for customer service; (d) to comply with legal process; or (d) to comply with or as permitted by applicable laws and regulations. We reserve the right to transfer any and all information we collect from Site users to an affiliate, as well as to a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer, or disposition of all or any portion of our business, assets, or stock (including without limitation in connection with bankruptcy or any similar proceedings) with or to such third party.

Links: The Site may include links to websites operated by third-parties. We endeavor to only link to reputable organizations; however, because these other sites are not hosted or controlled by us, we are not responsible for the privacy practices of those sites or the content provided thereon. Therefore, the privacy policies with respect to these areas may differ from those applicable to the Site, and we encourage you to review the privacy policies of those other websites. This Privacy Policy only applies to information we collect through the Site. You acknowledge and agree that these linked-to sites are not under the control of Roderick MacIver & Co. Inc. and that RMCI makes no warranties, endorsements, recommendations, or representations whatsoever concerning the content of these other sites.

Security Measures: Roderick MacIver & Co. Inc. uses reasonable administrative, physical and electronic security measures to protect against the loss, misuse and alteration of your personally identifiable information. We periodically review the effectiveness of these security measures.

If you have any questions about the Site, Terms of Use, or the Privacy Policy, please direct them to the contact page.