Compliance & Disclaimer

1. We Are an Educational Publisher

EquitiesAmerica.com is operated as an educational publishing platform. Our mission is to explain how the US stock market works — covering publicly traded equities, exchange-traded funds, options concepts, retirement accounts, taxation, and personal finance — in plain, accurate language accessible to the general public.

We are a publisher of financial education content, not a financial services firm. We produce and distribute written articles, explainers, data summaries, and educational tools for the purpose of general financial literacy. This places us in the category of a financial publisher as recognized under established law (see Section 6 below on the publisher exemption).

2. Regulatory Status — What We Are Not

EquitiesAmerica.com is not registered with the US Securities and Exchange Commission (SEC) as an Investment Adviser under the Investment Advisers Act of 1940. We do not hold, and have never applied for, Investment Adviser registration at the federal or any state level.

EquitiesAmerica.com is not registered with the SEC as a Broker-Dealer under the Securities Exchange Act of 1934. We do not execute securities transactions, custody assets, or maintain client funds.

EquitiesAmerica.com is not a member of FINRA(the Financial Industry Regulatory Authority). We are not subject to FINRA rules, including suitability obligations, know-your-customer requirements, or supervisory frameworks applicable to registered broker-dealers and their associated persons.

We are not a commodity trading advisor (CTA), a commodity pool operator (CPO), or registered in any capacity with the CFTC or NFA.

3. We Do Not Provide Personalized Investment Advice

Nothing published on EquitiesAmerica.com — including articles, calculators, glossary definitions, stock profiles, sector primers, broker descriptions, tool reviews, IPO data, quarterly market reports, or any other content — constitutes personalized investment advice, a personalized investment recommendation, or a solicitation to engage in any securities transaction.

Content is general, educational, and informational in nature. It does not account for your individual financial situation, risk tolerance, investment time horizon, tax circumstances, or financial goals. Two readers of the same article may have entirely different appropriate courses of action based on their individual circumstances. Our content cannot and does not address those individual differences.

Before making any financial decision, you should consult with a qualified, registered financial professional— such as a registered investment adviser (RIA), a certified financial planner (CFP), a licensed CPA for tax matters, or a licensed attorney for legal matters. To verify that an adviser is registered, use the SEC's Investment Adviser Public Disclosure (IAPD) database at adviserinfo.sec.gov.

4. Educational, Historical, and Illustrative Content

All content on EquitiesAmerica.com is educational, historical, or illustrative. When we discuss specific publicly traded companies, sectors, indices, or financial instruments, we do so to illustrate concepts, explain how markets have worked historically, or describe how financial instruments function — not to express a view on their future performance or desirability as investments.

Any numerical examples, case studies, or scenario analyses presented are for illustration purposes only. Numbers are typically simplified, rounded, or hypothetical. They should not be extrapolated to predict future outcomes.

5. Past Performance Caveat

Past performance of any security, index, sector, fund, strategy, or market is not indicative of future results. Historical return data cited on this site is presented for educational and contextual purposes only. Markets involve risk, including the possible loss of principal. The value of investments can go down as well as up, and there is no guarantee that any investment objective will be achieved.

6. Publisher Exemption (SEC v. Lowe)

The US Supreme Court held in Lowe v. SEC, 472 U.S. 181 (1985), that the First Amendment protects the publication of bona fide financial newsletters and educational publications from having to register as investment advisers, provided that the publication is impersonal, general, and not tailored to the specific circumstances of individual subscribers.

EquitiesAmerica.com operates consistent with this publisher exemption. All content is general educational material published to a broad public audience. No content is personalized to any individual reader's financial situation. We do not enter into advisory relationships with readers and we do not charge fees for personalized financial guidance.

7. Data Sources

Financial data used on EquitiesAmerica.com is sourced from publicly available sources including:

• •Yahoo Finance / yfinance: Historical price data, financial statements, and dividend records accessed via the publicly available Yahoo Finance API (yfinance Python library). This data is provided as-is and may contain errors or delays.
• •SEC EDGAR: Regulatory filings including 10-K annual reports, 10-Q quarterly reports, DEF 14A proxy statements, S-1 registration statements, and 13F institutional holdings disclosures. EDGAR data is public and maintained by the US Securities and Exchange Commission.
• •Federal Reserve / BLS / BEA: Macroeconomic data including interest rate history, CPI, GDP, and employment figures drawn from the Federal Reserve Economic Data (FRED) database and Bureau of Labor Statistics / Bureau of Economic Analysis releases.

EquitiesAmerica.com does not guarantee the accuracy, completeness, or timeliness of any data presented. Data may be subject to revision by source providers. Users should verify data from primary sources before relying on it for any purpose.

8. Affiliate Disclosure (FTC Guidelines)

In accordance with the Federal Trade Commission's guidelines on endorsements and testimonials (16 C.F.R. Part 255), EquitiesAmerica.com discloses that some links on this site may be affiliate links. This means that if you click a link and subsequently make a purchase or open an account, we may receive a commission or referral fee from the third-party company at no additional cost to you.

Affiliate relationships do not influence the educational content we publish. We do not alter descriptions, omit material information, or editorially favor products or services because of affiliate arrangements. Where affiliate links are present, this is disclosed at the page level.

We do not accept payment for editorial placement or for writing favorable descriptions of financial products. Our broker reviews and tool descriptions are based on publicly available feature information.

9. No Warranties; Limitation of Liability

EquitiesAmerica.com provides all content on an "as is" and "as available" basis without warranty of any kind, express or implied. We make no representations as to accuracy, completeness, currentness, suitability, or validity of any content and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use.

To the fullest extent permitted by law, EquitiesAmerica.com, its operators, authors, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from your reliance on or use of any content on this site.

10. Contact

If you have questions about this compliance page, a factual correction to report, or concerns about content on this site, please contact us at:

equitiesamericadotcom@gmail.com

See also: Privacy Policy · Terms of Service · About EquitiesAmerica.com