Compliance Framework

1. Regulatory Framework

Securities and Exchange Commission (SEC)

Our operations are structured to comply with SEC regulations governing investment advice and educational content:

• Not Registered Investment Advisors: We do not provide personalized investment advice
• Educational Content Only: All materials are impersonal and educational in nature
• No Discretionary Authority: Users make all investment decisions independently
• Clear Disclaimers: Prominent risk warnings and limitation disclosures

State Regulations

We comply with applicable state regulations regarding investment-related educational content and maintain awareness of varying state requirements for financial education services.

2. Content Standards

Educational Nature

What We Do NOT Provide

3. Risk Disclosure Standards

We maintain comprehensive risk disclosure practices in compliance with securities regulations:

Prominent Placement

• Risk warnings appear prominently on all relevant pages
• Past performance disclaimers accompany all historical data
• Clear statements about potential for loss
• Emphasis on the importance of professional consultation

Comprehensive Coverage

Our risk disclosures cover market risk, volatility, principal loss, implementation risks, and strategy-specific risks for each portfolio system we discuss.

4. Data Privacy and Security

Financial Privacy Rules

While we are not a financial institution, we voluntarily adopt many financial privacy best practices:

• Bank-level encryption for all data transmission and storage
• Strict access controls and multi-factor authentication
• Regular security audits and penetration testing
• No sharing of personal information with third parties for marketing

Account Isolation

We never request or store brokerage account credentials, maintaining complete separation between our educational platform and users' investment accounts.

5. Advertising and Marketing Compliance

Truthful Advertising

• All performance claims are based on documented historical data
• Clear context provided for backtested vs. live performance
• No guarantees or promises of future performance
• Testimonials include appropriate disclaimers

Fair Representation

We ensure that all marketing materials fairly represent the nature of our services, limitations of our content, and risks associated with investing.

6. Client Relationship Standards

Subscription Model

Customer Support

Our customer support focuses on platform usage and educational content questions. We do not provide investment advice or recommendations through support channels.

7. Record Keeping and Documentation

• Content Archives: Maintain historical versions of all educational materials
• User Communications: Document customer service interactions
• Performance Data: Retain supporting documentation for all performance claims
• Compliance Reviews: Regular internal compliance assessments

8. Third-Party Relationships

Technology Vendors

All third-party service providers undergo compliance review to ensure they meet our standards for:

• Data security and privacy protection
• Service reliability and uptime requirements
• Regulatory compliance in their respective areas

No Referral Arrangements

We do not maintain referral arrangements with brokers, advisors, or product providers that could create conflicts of interest with our educational mission.

9. Ongoing Compliance Monitoring

Regular Reviews

• Quarterly compliance assessments of all content and procedures
• Annual legal review of terms, policies, and disclosures
• Ongoing monitoring of regulatory developments
• Employee training on compliance requirements

External Oversight

We work with qualified legal counsel specializing in securities law to ensure ongoing compliance with applicable regulations and industry best practices.

10. Contact Information

For compliance-related questions or concerns: