We think disclaimers should be easy to read and you shouldn’t need a law degree to understand them.
Last updated 02/25/24
Terms of Service
By visiting PlanandTrade.com, a website owned and operated by Plan and Trade, LLC, you are consenting to our terms of service and adherence to all relevant laws and regulations. Furthermore, you accept responsibility for complying with any local laws applicable to you. If any of these terms are unacceptable to you, we recommend refraining from subscribing.
Please be aware that all sales are considered final. We provide your subscription and website access at our discretion, and we retain the right to revoke access without providing a reason. In the event of subscription cancellation, whether through our initiative or upon its expiration, your access will be terminated. It is your responsibility to manage your subscription, which can be done via our website dashboard or upon request through our contact form. It is important to note that your subscription is configured to renew automatically on a monthly basis, starting from the date of your initial registration. Our website caters to United States residents and is not intended for individuals under the age of 18.
We wish to highlight that Plan and Trade cannot ensure uninterrupted or error-free operation of the Site or that it is devoid of viruses and other potentially harmful elements. Using information acquired from this service is undertaken at your own risk. Plan and Trade disclaims any liability for losses or damages, including but not limited to claims of defamation, data loss, financial loss, or data availability interruptions stemming from service usage or inability to use the service.
Privacy Policy
Our privacy commitment is designed with your interests in mind, addressing the use of ‘Personally Identifiable Information’ (PII) online. PII, as defined by US privacy regulations and information security, refers to data that can, either alone or in conjunction with other information, pinpoint, contact, or locate an individual, or place them in a particular context. We encourage you to thoroughly review our privacy policy for a comprehensive grasp of how we gather, employ, safeguard, and manage your Personally Identifiable Information in alignment with our website practices.
We take the responsibility of handling your data seriously. Any information we collect is retained only for the necessary duration to provide the service you requested. We employ industry-standard methods to ensure its protection against loss, theft, unauthorized access, disclosure, duplication, use, or alteration.
Rest assured, your payment and credit card details are entrusted to a reputable payment processor. We do not retain this information, nor do we have unencrypted access to it. This extra layer of security is in place to safeguard your interests.
We maintain a strict policy of confidentiality when it comes to personally identifying information. We do not engage in public disclosure or share it with third parties, unless we are compelled to do so by legal obligations.
While navigating our site, you may come across links to independently operated external websites. It’s important to note that we have no control over their content and protocols, and we cannot assume responsibility or liability for their individual privacy policies.
You have the freedom to decline our request for your personal information, understanding that this may result in certain services being unavailable to you.
By continuing to use our website, you signify your acceptance of our approach to privacy and personal data.
Disclaimer
Day trading carries risks, and the majority of traders end up losing money. We strongly recommend that you exercise caution with the stock market and thoroughly review the investment resources provided by the U.S. Securities and Exchange Commission (SEC) at http://www.sec.gov and the Financial Industry Regulatory Authority (FINRA) at http://www.finra.org.
The following SEC investor publications, some of which date back many years, offer valuable reading material for new traders. As well as the investor alerts and news bulletins at https://www.sec.gov/investor/alerts.
- Day Trading: Your Dollars at Risk
- Trading In Fast-Moving Markets
- After-Hours Trading: Understanding the Risks
- Trade Execution
- Internet Fraud
- Beginners’ Guide to Financial Statements
- Understanding Margin
Plan and Trade operates as a publisher. It’s important to understand that any content inside the service does not imply a recommendation that any specific investment, security, portfolio of securities, transaction, or investment strategy is appropriate for any particular individual. The viewpoints expressed in Plan and Trade are personal opinions only. Engaging in securities trading, including stocks, options, ETFs, and bonds, comes with inherent risks and market volatility. Past results are not necessarily indicative of future performance. Plan and Trade, along with its data and content providers, cannot be held responsible for any content errors or delays, nor for any actions taken based on such content. Furthermore, because markets are in a constant state of flux, previously published information and data may no longer be up-to-date and should not be relied upon.
Plan and Trade is not an intermediary, broker dealer, investment advisor, or exchange and does not provide investment advice or investment advisory services. It is strongly recommended that all subscribers seek counsel from a licensed investment representative. No assurance is given that any subscriber will achieve profits. Previous technical patterns, strategies or trading performances do not guarantee future results. Trading involves risk, and there is potential for loss of investment capital.
Plan and Trade wants to make it clear that we have not sought registration as a securities broker-dealer or investment adviser with the U.S. Securities and Exchange Commission or any state securities regulatory authority. The nature of our operations and objectives does not necessitate such registration. Instead, Plan and Trade operates under what is known as the ‘publisher’s exclusion’ as defined in Section 202(a)(11)(D) of the Investment Advisers Act of 1940, as well as corresponding state statutes.
This means that we do not provide personalized investment advice. Any content, materials, or information you find on our website or associated platforms, even if it may seem like investment advice, is generic and not tailored to individual investment needs. Our content serves strictly informational and educational purposes. It should never be misconstrued as advice for investment or trading, nor should it be seen as a solicitation or endorsement to engage in buying, selling, or holding positions in any mentioned indices or financial markets.
Our subscription service is designed for educational purposes exclusively, not as personalized investment advice. Refrain from taking action solely based on these services; consult an investment professional to determine suitability for your specific circumstances. There is no guarantee of success and neglecting to seek comprehensive, tailored advice before acting may result in actions contrary to your best interests, potentially leading to significant capital losses.
It is important to note that this service does not constitute an invitation to purchase or trade securities, and no securities are being offered or exchanged through our service. Our service is designed exclusively for educational and informational purposes, and should not be relied upon as the sole, comprehensive source of information. Individuals should be aware that basing their investment decisions solely on the provided information is not advisable.
It is crucial for individuals to independently research and verify all information provided, as unless confirmed through their own research, all provided information should not be considered reliable.
Plan and Trade does not advise our subscribers to trade any specific security or stock, but we want to make clear that utilizing margin in trading carries substantial risk and may not be appropriate for all investors. Leverage can work against you and we suggest that you fully understand how it works. Before engaging in any trades, carefully evaluate your investment goals, experience levels, and risk tolerance.
Plan and Trade prohibits any stock promotion within the service. This means companies are forbidden to compensate us in order to discuss, mention or trade their security. We do not take any payments from such companies or third-parties under any circumstance.
Individuals such as owners, employees, contractors or subscribers associated with our website may have holdings in the securities discussed in our chat room or during screen share, such as in a trading or retirement account. At times, such individuals may have positions in or be actively trading securities discussed within the service, even if these positions differ from the views expressed. They may engage in trading for their personal accounts based on real-time information, in line with their individual trading strategies or investment plan.
At Plan and Trade, we reframe from promoting, endorsing, monitoring, or publicizing trading performance records. This choice is based on statistical data indicating that the majority of traders incur losses. We do not track the typical outcomes of our past or present subscribers. As an educational content publisher, we lack access and the ability to verify the individual trading accounts or brokerage statements of our subscribers. Consequently, we have no basis to assume that our subscribers achieve better or worse results compared to the broader trading community.
When reviewing a chart using technical analysis within the service, we may discuss hypothetical scenarios that can occur in real time or in hindsight. Such technical chart discussions have certain limitations. Unlike a performance record, hypothetical scenario results or outcomes may not always represent actual trading. If hypothetical scenarios are discussed and actual trades are not executed, the results of such hypothetical scenarios may have under-or-over compensated for the impact, if any, of certain real-world market factors, such as a lack of liquidity. Hypothetical scenarios are also subject to the fact that they may be made with the benefit of hindsight. No representation is being made that any subscriber will or is likely to achieve a winning trade or similar result based on any technical analysis or discussions of such scenarios. Plan and Trade focuses on developing disciplined technical charting habits and techniques, not promoting trading gains.
You agree to indemnify and hold harmless, Plan and Trade, along with its owners, employees or contractors from any claims, losses, damages, liabilities, and other costs, including legal fees. These could come up if you break any of the language we’ve laid out in our terms, policy, and disclaimer page. You agree that we won’t be held responsible for things that are out of our control, like natural disasters, wars, or other unforeseeable events. We also can’t guarantee the accuracy or quality of the services and information we provide. Plan and Trade won’t be held responsible for certain kinds of damages. Regardless of whether you were warned about the potential for such damages, Plan and Trade and its owners will not be held responsible for any losses you may incur. This includes, but is not limited to, lost profits, revenues, or business, which may arise from your use of the site or any of our services.
You agree to accept the jurisdiction of a court venue designated by Plan and Trade for handling any dispute arising from our rules, terms, policy, disclaimer or concerning the website or its services. Please know that Plan and Trade may still seek urgent legal remedies in any jurisdiction. Apart from that, you agree that any disagreement or claim related to the services provided by us, regardless of when it occurred, will be resolved through individual arbitration.
If you have questions, please contact us.