The Insightful Trader

Terms of Use

The following is the terms and conditions for this website. Please read it carefully. It is highly recommended that you consult a licensed financial advisor or broker before making any and all investment decisions.

Disclosure: You should assume that the owner of this website is an affiliate for providers of goods and services mentioned on this website. The owner may be compensated when you purchase after clicking on a link. The owner may also have received the product for free. Perform due diligence before purchasing from this or any other website.

Scope of Agreement: Under this Agreement, William Fairbanks and other writers from furnish on-line financial information, opinions, and services to visitors and members. By visiting this website or by communicating with us through email, you agree to be bound by this Agreement. The term “use” means the use and availability of, access to, transmission to or from or any exchange of information or communication in connection with or arising from the Service. The term “Service” means this entire website and any communication, directly or indirectly, with William Fairbanks and/or other authors.

This entire agreement between you and us, supersedes prior agreements regarding its subject matter. Whenever new products or services become available, your use of them will be under this Agreement unless I notify you otherwise. You must comply with any additional terms which apply to third party content, software or other services. We may change this Agreement and/or the services we offer at any time as we desire. When the terms are changed, notice of the change or changes will be posted on our web site or sent to you via electronic mail. Additionally, the new version of the Agreement will be posted on our web site for your review. By continuing to use the Service, you agree to be bound by the changes in the new version of the Agreement.

Scope of Service: All contents of the Service are provided for information and educational purposes only. You agree that the Service should not be interpreted as investment advice, as an endorsement of any security, or as an offer to buy or sell any security. Neither William Fairbanks nor is a registered broker dealer, or financial advisor., William Fairbanks or any other author, do not provide personal investment advice and we do not represent ourselves as a qualified investment advisors or properly licensed party. You also understand and agree that, from time to time, any or all of the information providers or their affiliates may hold positions in securities mentioned and that they may trade for their own account based on this information. In cases where the position (i.e. stock, exchange-traded-fund, or other investment vehicle) is held at the time of posting, every reasonable attempt at appropriate disclosure will be made when feasible. On any new recommendations any parties affiliated with are restricted from trading for a period of 24 hours from the time the information is published on the web site or emailed to our members. However, members and visitors to should always assume at all times that any and all positions discussed, listed, and or referred to or appearing at the website may also be currently owned by William Fairbanks or members of his direct family or could be in both the near and distant future.
Remarks and data comprising the Service are for informational purposes only and are provided without warranty of any kind. In no event will we be liable for any direct, indirect, consequential, or incidental damages arising out of any decision made or action taken by you in reliance on the Service, whether or not caused in whole or part by our negligence or error.

The trading of securities may not be suitable for all potential users of the Service. You should be aware of the risks inherent in the stock market. Past performance does not guarantee or imply future success. You cannot assume that profits or gains will be realized or that any recommendation made by or its authors will be profitable. Due diligence is necessary for any and all investment or trading decisions to be made by you.

The purchase of securities discussed by at may result in the loss of some or all of any investment made. Trading stocks, options, or other investment vehicles are inherently filled with risk.

We recommend that you consult a stockbroker or financial advisor before buying or selling securities, or making any investment decisions. You assume the entire cost and risk of any investing and/or trading you choose to undertake.

All information provided by or William Fairbanks personally is obtained from sources believed to be accurate and reliable. However, due to the number of sources from which information on the Service is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions, or inaccuracies in such information. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, CORRECTNESS, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION AVAILABLE THROUGH THE SERVICE.

No stock or any other security featured on this website has paid a fee, or otherwise compensated us for their appearance, coverage, and/or favorable opinion. The opinions expressed about the stocks, funds, options, markets and other investments mentioned on this site or through any service we offer is purely the result of independent research conducted by and its authors and are not offers or solicitations to buy or sell the securities mentioned.

Copyright and Limitations on Use: The Service is the property of Fairbanks and Associates LLC. and may only be displayed, formatted and printed for your personal, non-commercial use; although reference to various articles are permitted as long as appropriate acknowledgement is given to the author and site.
You agree not to reproduce, distribute, sell, publish, broadcast, or circulate any information, research, charts, website pages or drawings received through us to anyone without appropriate acknowledgement.

All information sent to becomes the property of All information can be used at our discretion.
We reserve all rights to the intellectual property, even rights unknown or unrealized by current laws. is a registered trademark and cannot be used without written permission for any reason whatsoever. Any graphics, titles, layout, information, email newsletters, training courses, manner of doing business, etc. contained on the website is fully protected by current copyright law.

Links to Other Websites: Our products and services may contain links to other Internet web sites or resources that we may on occasion find interesting. does not control such other web sites, nor will it review or approve any content that appears on such other web sites. You acknowledge and agree and its authors shall not be held responsible for the legality, accuracy, or inappropriate nature of any content, advertising, products, services, or information located on or through any other websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content.
Code of Conduct: While visiting the website, you agree not to: Restrict or inhibit any other visitor or member from using any product or service, including, without limitation, by means of “hacking” or “cracking” or defacing any portion of the web site; Use any product or service for any unlawful purpose; Express or imply that any statements you make are endorsed by us, without our prior written consent; Transmit (a) any content or information that is unlawful, fraudulent, threatening, harassing, abusive, libelous, defamatory, obscene or otherwise objectionable, or infringes on our or any third party’s intellectual property or other rights; (b) any material, non-public information about companies without the authorization to do so; (c) any trade secret of any third party; or (d) any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication (except as otherwise expressly permitted); Engage in spamming; Transmit any software or other materials that contain any virus, worm, time bomb, Trojan horse, or other harmful or disruptive component; Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of any of web site; Remove any copyright, trademark, or other proprietary rights notices contained at the web site; “Frame” or “mirror” any part of without my prior written authorization; Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of any product or service or its contents; Harvest or collect information about visitors to or members of without their express consent.

Failure to Access Service: You agree that we are not responsible for your inability to log-on to the website, either because of poor Internet connections, incorrect typing of log-ins or passwords, and/or browser incompatibility. We will make every effort to ensure that our servers remain operational with adequate performance and response time. However, there may be times when our servers are down or response time is slow due to power outages, network problems, regular maintenance, website upgrades, or high traffic volumes. You agree that neither we, nor our suppliers, are responsible or liable, for any loss or damage caused by your inability to use or access the Service, whether or not caused in whole or part by our negligence.

Indemnification; Governing Law; Jurisdiction: You agree to defend, indemnify, and hold us, our employees, and other representatives harmless from and against all liabilities, damages, claims, actions, costs, expenses (including attorneys fees), in connection with or arising from your breach of this Agreement.

This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision of this Agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This Agreement shall be deemed to have been made in the State of South Carolina, and shall be governed by the laws of the State of South Carolina, exclusive of its rules governing choice of law and conflict of laws. The parties expressly stipulate to jurisdiction in Greenville County, SC.


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