Legal Notice


The materials ("Materials") contained in the Finance Education ("FE") Web site are provided by Armatra Technology ("ATC") and may be used for information and non-commercial purposes only AS-Is with no warrenty.  Materials from this site may be downloaded, or otherwise utilized, only if you agree to the terms and conditions as outlined in this legal notice or as otherwise dictated by other intellectual property rights reserved by ATC.  If you do not agree to these terms and conditions, please do not use this site or download any Materials from it.

FE nor ATC is not an investment advisory service, nor a registered investment advisor or broker-dealer or certified financial professional and does not purport to tell or suggest which securities methods or theories should be used.  The Materials provided are designed to provide current information, although there may be factual and typographical errors.  It should in no way be construed as a replacement for qualified, professional advice.  Fe and ATC are not engaged in rendering Legal, Accounting, Financial, Tax or other professional services.  All Materials provided is solely for educational purposes, and you are encouraged to seek independent advice from a competent professional.

FE nor ATC specifically disclaims any personal liability, loss or risk incurred as a consequence of the use and application, either directly or indirectly, of any information presented by FE and ATC through classes, web sites, written materials, and any other form, transmitted via any medium.

FE's web site and all Content and online support services are designed to create a forum which can help readers for educational purposes only.  This information provided by ATC staff, other contributors, subscribers and anyone who uses anonymous screen names and are people we many not know.

As such, we recognize that people sometimes post messages or make statements in our forums or comments, that are misleading, deceptive, or false.  The may do this unintentionally or , intentially. 

Ownership of Materials

The information and Materials contained in this site are copyrighted and may not be distributed, modified or reproduced, in whole or in part, without the prior written consent of ATC.  Nothing contained on this site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark, patent, copyright or trade secret of ATC or any third party. 

Warranties and Disclaimer

ATC makes no warranties or representations about the accuracy or completeness of this site content or of the content of any site or sites linked to this site.  All such content is provided "AS IS".  ATC expressly disclaims any and all warranties and/or conditions, express or implied, as to any matter whatsoever relating to or referenced by the ATC Web site.  ATC may make changes to this Web site and improvements and/or change in the products described in this Web site.

This Web site may contain links to Web sites controlled by parties other than ATC. ATC is not responsible for and does not endorse or accept any responsibility for the contents or use of these third party Web sites. ATC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by ATC of the linked Web site. It is your responsibility to take precautions to ensure that whatever you select for your use is free of viruses or other items of a destructive nature. ATC is not responsible and will not be held liable for any links that direct outside of the FE Web site.

ATC shall not be held liable for any direct, indirect, punitive, incidental, special or consequential damages that result from the FE Web site or the use of, or inability to use, the FE Web site. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if ATC has been advise of the possibility of such damage. ATC does not warrant or make any representation regarding the availability, use, timeliness, accuracy, or reliability of the FE Web site or any other Web sites linked or connected in some way to or from the FE Web site.

Applicable Laws

This site is controlled and operated by ATC from its offices within the United States of America.  ATC makes no representation that Materials in the site are appropriate or available for use in other locations, and access to the Materials from locations where the contents are illegal is prohibited.  If you choose to access this site or otherwise utilize Materials from this site, you do so on your own initiative and are responsible for complying with applicable local laws.  You may not use or export the Materials in violation of U.S. export laws and regulations or in violation of any applicable local laws, regulations or ordinances.  Any claim relating to the Materials shall be governed by the internal substantive laws of the State of Ohio or U.S. federal law.


Use of this Web Site constitutes agreement to this Legal Notice.