By using the ETF Signal website and or subscribing to the ETF Signal alert service you  agknowledge that you have read, understood and you agree to the following Terms of Use:

Timo Yla-Soininmaki or any employees of the (www.etf-signal.com/www.etf-gold-stocks.com) ETF Signal service (AKA Universal Signal, Lazy Man’s portfolio) 195 Sukhumvit Soi 24, Bangkok 10110, Thailand are not a registered Investment Advisers or Brokers. The ETF Signal newsletter is provided for paper trading and educational purposes only. Investing in ETFs, funds, gold, silver or stocks etc. can be risky; there are many natural, economical and political issues that can affect the markets. You should speak with your financial advisor and understand everything fully before committing money to any investment or trading system.

FTC requires us to state that the average individual using any information from this website will not make any profit or profit in any way.

Readers are advised that Universal Signal, www.etf-signal.com or www.etf-gold-stocks.com web pages and/or any email, report or newsletter are issued solely for informational purposes and are not to be construed as an investment advice, offer to sell or the solicitation of an offer to buy any stocks, funds, bonds, options, futures, ETFs, precious metals, currencies or any securities or to participate in any particular trading or investment strategy. The provided content is intended for personal use at the readers own risk. Readers are urged to consult with their own independent financial adviser with respect to any investment.

Under no circumstances shall Timo Yla-Soininmaki/ETF-Signal Service, or their respective affiliates, agents, employees, directors and officers, or information providers be liable for any ordinary, direct, consequential, incidental, special, punitive or exemplary damages arising out of any of the foregoing, even if  Timo Yla-Soininmaki/ETF-Signal Service, or their respective agents and representatives, have been apprised of the likelihood of such damages occurring.

The past performance is no guarantee or indicator for results in the future and each individual is always solely responsible for his/her own investment decisions and which equities or financial instruments to trade. There are risks involved with investing, including possible loss of principal. Results are based on back testing and are hypothetical. The results don’t take into account any brokerage fees, dividends, interest or taxes that are usually associated with investing. Also it is impossible to get an exact market open price on which the ETF Signal and other portfolios are based on.

The opinions and analyses included herein are based from sources believed to be reliable and written in good faith, but no representation or warranty, expressed or implied is made as to their accuracy, completeness or correctness. All information contained in this web page or in any emails should be independently verified. DYODD!

Timo Yla-Soininmaki may have positions in the securities that are discussed on this web page or email alerts. Material appearing on this website and or on any email alerts may include advertising, links and other material submitted by outside parties, which contents I can not control. If you click any advertising link; you are responsible for your own actions.

I look forward to your feedback and questions however; the law prohibits me from giving individual and personal investment advice. 

Timo Yla-Soininmaki or his representatives can not be held responsible for any consequences of delays of trade signals whether they are placed on the website or omission or non receipt of email notifications for any reason, whether caused by him/them or by technical circumstances, mailbox conditions or the condition or problems with the Internet. If your email address becomes obsolete; it is your responsibility to provide me your new email address.

This web site and email alerts contains “forward looking statements” within the meaning of Section 27A of the Securities Act of1933 and Section 21B of the Securities Exchange Act of1934. Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, objectives, goals, assumptions or future events or performance are not statements of historical fact and may be “forward looking statements.” Forward looking statements are based on expectations, estimates and projections at the time the statements are made that involve a number of risks and uncertainties which could cause actual results or events to differ materially from those presently anticipated. Forward looking statements in this action may be identified through the use of words such as “expects”, “will,” “anticipates,” “estimates,” “believes,” or statements indicating certain act ions “may,” “could,” or “might” occur.

I reserve the right to chance the delivery method of the signal, limit the membership, chance the price or the terms of membership or cancel the ETF Signal service temporarily or permanently at anytime for any reason. If the ETF Signal service ceases to exists for any reason; already paid in membership fees are not refunded. Should this happen, members will be informed that the service has been canceled. The members must themselves then cancel their auto subscriptions at the PayPal.

Subscription auto renewal (This and the cancellation questions below are not applicable yet, since the service is free.)

Your subscription will be auto renewed at the end of the subscription period you have chosen. This way you lock in the original subscription price; as long as you stay as a member your subscription price will never go up. (If you get a new credit card; it’s your responsibility to update your file in PayPal so that you will not lose your original price.)

Also if I advertise a special price that is below your current subscription price you can take advantage of it by canceling your current subscription and subscribing again with the lower price. But note that your old subscription will run until its term ends.

Canceling your subscription

You can cancel according to following rules: If you are a first time member and cancel during the 90 day free trial period your credit card will NOT be billed. After the 90 day trial period there are no refunds.

Please note: Free trial period is for the first time subscribers only. If you have been a member of my old service (Universal Signal/www.etf-gold-stocks.com) or current (ETF-Signal) and subscribe again there are no trial periods or refunds of any kind.

If you want to cancel your ongoing subscription after the 90 day trial period; please do not email me but cancel your auto renew subscription at PayPal. Only YOUcan log on to your PayPal account and cancel your subscription. PayPal will inform me of your cancellation. If you forget (or whatever) to cancel your subscription and your credit card is charged for the next period; there is NO refund.

Privacy Policy

Your email address will be collected if you email me for any reason and it maybe used for internal advertising, but it will not be given, rented or sold to any other party. If you want to remove your email address from my database; email me with the word ‘remove’ on the subject line; just make sure that you email me from the same email address that you receive mail from me. Or send a blank email to: universal-unsubscribe@etf-gold-stocks.com 

The following text is a standard Internet protocol: We may collect some information about all visitors in the process of operating. No effort is made to identify individual users, data is collected in aggregate by third party statistics providers and used to track readership levels, usage of the site in general, and monitor the use of each page on the site. Third parties, including Google, may be placing and reading cookies on your users’ browser, or using web beacons to collect information, in the course of ads being served on this website. “Cookies” are data sent to your web browser from a web server (such as Google) that can uniquely identify your computer and store information about user preferences. Most web browsers will accept cookies by default, but they can be set to reject cookies, either from all websites or from specific sites. You can also manually delete cookies from your web browser. These options are generally set through a “Privacy” setting in your browser setup. Deleting cookies or managing your cookies should not change your ability to access the content on this site. We try to keep this website and email alerts free of any malicious codes, but outside forces might be able to install unbeknown to us a virus or some harmful code on our website or emails; we (ETF-signal.com/email alerts) do not guarantee to be free of errors, malicious code or computer viruses.

ETF-SIGNAL.COM
© 2007-2011 Timo Yla-Soininmaki. All Rights Reserved. Protected by copyright laws of the United States and international treaties. No part of our publications/web page/email alerts may be reproduced , redistributed or transmitted in whole or in part in any form or by any means, electronic, mechanical, photocopying, World Wide Web or otherwise without the prior permission of the author.

These Terms & Conditions constitute the full and complete understanding and agreement between you and Timo Yla-Soininmaki / ETF-Signal.com relating to the subject matter hereof, and supersede all prior understandings, agreements, representations and warranties relating to such subject matter.  

Timo Yla-Soininmaki reserves the right to change the above terms and conditions at any time without warning. -end