Terms and Conditions

Welcome to the Center for Capital Flow Analysis (CCFA).

By using this site, you're agreeing to be bound by these terms and conditions. If you don't wish to be bound by what you read below, you shouldn't use this web site.

I may change these terms at any time, but will notify you in advance, by publication on this site, of any material changes.

Your continued use of the CCFA means that you accept any new or modified terms and conditions and that you will check back to this web page from time to time.

The content on this site is protected by U.S. and international copyright laws and is the property of John Oswin Schroy and/or the providers of content under license. By 'content' I mean any information, mode of expression, or other materials and services found on the CCFA, the associated web log, Capital Flow Watch (CFW), or the Capital Flows Forum (CFF).

You may make one copy of the content you find on this site for your personal, non-commercial use, provided that any material copied remains intact and includes the following notice:

'Copyright 2003-2005 John Oswin Schroy. All rights reserved.'

Any other copying, distribution, storing, or transmission of any kind, or any sort of commercial use of CCFA content is prohibited without my prior written permission.

Disclaimer of Warranties & Liabilities

The CCFA provides a range of information, services, commentary, and content. I can't and don't warrant the completeness or accuracy of the content found on this web site, CFW, CFF, or in published essays, or its usefulness for any particular purpose.

I make no promises that the content will be delivered to you uninterrupted, timely, secure, or error-free. In fact I'm not making any promises or warranties except that I won't intentionally lie to you.

This means that you agree that under no circumstances will CCFA or John Oswin Schroy be liable for direct, indirect, incidental, or any other type of damages resulting from your use, or downloading of any content on the CCFA site, any linked site, CFW, CFF, or in any newsletter that I may publish.

This includes, but is no way limited to, loss or injury caused in whole or in part by my negligence or by things beyond my control in creating or delivering any portion of the web site, newsletter, or essays published on this site.

No Investment Advice

Neither the CCFA, nor John Oswin Schroy, through this web site, the CFW, the CFF, or any eventual newsletter is acting as an investment advisor. In fact, by your use of our service, you're agreeing that you bear responsibility for your own investment research and investment decisions.

You also agree that CCFA or John Oswin Schroy will not be liable for any investment decision made or action taken by you or others based upon reliance on news, information, or any other material published by CCFA, CFW, CFF, or John Oswin Schroy.

The CCFA is based on various sources of information that I believe to be accurate and reliable. However, I make no claims or representations as to the accuracy, completeness, or truth of any material contained on this site.

Furthermore, you agree that some material will be considered by you to be a matter of opinion or conjecture, not purporting to be factual or impartial. All information and content provided on the CCFA, CFW, or CFF is to be used on an 'as is, with all faults, we're not perfect' basis.

Furthermore, nothing in the CCFA web site, CFW, or newsletter should be interpreted as a recommendation to buy or sell any particular security, or even any class of securities.

A basic tenet of Capital Flow Analysis is that the future is unknowable and that market players are often irrational.

Therefore, although I may express opinions, I do not make recommendations regarding specific securities or the future course of the market, and any comments as to supply and demand in the capital market should not be interpreted as a recommendation regarding specific securities, classes of securities, or the future course of the market.

Other Matters

If any provision in this Agreement is invalid or unenforceable, the remaining provisions will continue in full force and effect. This Agreement is and always will be governed by the laws of the United States of America and the State of Florida (except with respect to choice of law).

You agree that the proper forum for any claim arising under this Agreement will be the appropriate courts for actions in the State of Florida under federal or state law.

— John Oswin Schroy

May 2005

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