General Terms of Service (OIA) provides reports (the service) to subscribers on a monthly fee basis. Garry Stern is the publisher and originator of the methodology used to analyze securities first published during December 2020 in his book, How I Trade Stocks. The principles described in the book provide the foundation of his securities analysis and are protected by applicable copyright laws

A subscription to the service will enable the designated subscriber (s) the right to view and print reports in whole or in part for their internal use only. Subscribers agree that reports are confidential. Transfer of the service/subscription to any third party is not permitted unless mutually agreed to in writing. Subscribers agree not to publish or otherwise provide copies to any third party of any analysis, information and reports, which are provided as part of the service. 

All fees for the service are payable in advance. One week prior to the end of the subscription period, OIA will send a renewal notice specifying the date of expiry and inviting the subscriber to renew the subscription. If the subscription to the service is not renewed, it will expire at the end of the subscription period. Subscribers agree that full or partial refunds will not be provided. Subscribers may cancel at any time, but refunds for the remaining subscription will not be provided.

Although every effort is made to provide accuracy in reports, Subscribers agree that OIA does not guarantee their accuracy or completeness and they hold OIA harmless from any liability caused by errors, opinions and omissions. Subscribers agree that each report published is distributed “as is” with no express or implied warranties. Subscribers agree that access to and use of the service is at their sole financial risk and that opinions provided to subscribers will likely change with market conditions.

Subscribers accept that past performance is not indicative of future results and that all investment and speculative strategies have the potential for profit and loss. Any change to strategies and tactics may materially alter the performance of investments and subscribers accept that different types of investments involve varying degrees of risk. 

Subscribers know that economic factors, market conditions, and investment strategies and tactics will affect the performance of any investment. Subscribers warrant they are professional investors and that it is their responsibility to perform an independent analysis of OIA’s recommendations. All expressions of opinion including buy and sell suggestions are based upon the analysis of OIA on the date the information is provided and is subject to change at any time.

Garry Stern is an analyst, not an ria, nor a cta and relies upon the “publisher exclusion” from the definition of investment advisor under section 202(a)(11) of the Investment Advisors Act of 1940 and corresponding state laws. His work is exclusively for investment professionals and not for individual investors. All information provided shall not be construed as a request or solicitation to engage in the purchase or sale of securities, commodities and currencies. Garry Stern is not acting in a fiduciary capacity in any respect.

Information presented on the website is believed to be factual and up-to-date and can change at any time. OIA makes no warranties whatsoever about the information contained on its website. Commentary on the website should not be construed as an offer to buy or sell, or a solicitation of any offer to buy or sell securities, commodities and currencies.

OIA publishes technical analysis research on securities, commodities and currencies. It does not  provide fundamental and economic research on these instruments. Subscribers agree it is their sole responsibility to perform their own risk analysis in addition to fundamental, technical and and financial research before undertaking any position.

The General Terms of Service described herein represents the entire agreement between the parties. The venue for all claims is the City and County of San Francisco, California.