Who are Rubicoin?

Rubicoin is a publisher and a technology platform, not a registered broker-dealer or registered investment adviser, and does not provide investment advice. Brokerage services are provided to clients of Rubicoin by DriveWealth LLC, an SEC registered broker-dealer and member FINRA/SIPC. Investing involves risk and investments may lose value. Past performance does not guarantee future results.

Rubicoin was founded in 2013 by two close friends with the mission to get the world investing successfully. Rubicoin stands for getting started, moving new investors from Zero to One.

The Rubicoin Disclaimer: Looking Out For Your Money

The Rubicoin website and app are designed to help customers obtain financial information to support their investment and personal financial decisions. This information is sometimes provided by our staff and sometimes by others.

Rubicoin Privacy Policy

Last Modified : April 6th, 2016

Our Privacy Policy explains how we and some of the companies we work with
collect, use, share and protect information in relation to our mobile app, web
site, and any software provided on or in connection with rubicoin’s services
(collectively, the “Service”), and your choices about the collection and use of
your information.

This Application collects some Personal Data from its Users.

Data Controller and Owner

Rubicoin LTD, 149A Baggot Street Lower, Dublin 2, Ireland - info@rubicoin.com

Types of Data collected

Among the types of Personal Data that this Application collects, by itself or through third parties, there are: Cookie, Usage data, Email address and First Name. Other Personal Data collected may be described in other sections of this privacy policy or by dedicated explanation text contextually with the Data collection. The Personal Data may be freely provided by the User, or collected automatically when using this Application. Any use of Cookies - or of other tracking tools - by this Application or by the owners of third party services used by this Application, unless stated otherwise, serves to identify Users and remember their preferences, for the sole purpose of providing the service required by the User. Failure to provide certain Personal Data may make it impossible for this Application to provide its services. Users are responsible for any Personal Data of third parties obtained, published or shared through this Application and confirm that they have the third party's consent to provide the Data to the Owner.

Mode and place of processing the Data

The Data Controller processes the Data of Users in a proper manner and shall take appropriate security measures to prevent unauthorized access, disclosure, modification, or unauthorized destruction of the Data. The Data processing is carried out using computers and/or IT enabled tools, following organizational procedures and modes strictly related to the purposes indicated. In addition to the Data Controller, in some cases, the Data may be accessible to certain types of persons in charge, involved with the operation of the site (administration, sales, marketing, legal, system administration) or external parties (such as third party technical service providers, mail carriers, hosting providers, IT companies, communications agencies) appointed, if necessary, as Data Processors by the Owner. The updated list of these parties may be requested from the Data Controller at any time.

Place

The Data is processed at the Data Controller's operating offices and in any other places where the parties involved with the processing are located. For further information, please contact the Data Controller.

Retention Time

The Data is kept for the time necessary to provide the service requested by the User, or stated by the purposes outlined in this document, and the User can always request that the Data Controller suspend or remove the data.

The use of the collected Data

The Data concerning the User is collected to allow the Owner to provide its services, as well as for the following purposes: Access to third party services' accounts, Analytics, Hosting and backend as a service, Infrastructure monitoring, Interaction with online survey platforms, Managing contacts and sending messages, Registration and authentication, Remarketing and Behavioral Targeting, RSS feed management, Interaction with external social networks and platforms, Content commenting and Contacting the User.

The Personal Data used for each purpose is outlined in the specific sections of this document.

Detailed information on the processing of Personal Data

Personal Data is collected for the following purposes and using the following services:

Access to third party services' accounts
These services allow this Application to access Data from your account on a third party service and perform actions with it. These services are not activated automatically, but require explicit authorization by the User.

Access to the Facebook account (This Application)
This service allows this Application to connect with the User's account on the Facebook social network, provided by Facebook Inc.

Permissions asked: Contact email and Email.
Place of processing: USA – Privacy Policy

Access to the Twitter account (This Application)
This service allows this Application to connect with the User's account on the Twitter social network, provided by Twitter Inc.

Personal Data collected: Various types of Data as specified in the privacy policy of the service.
Place of processing: USA – Privacy Policy

Analytics
The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.


Google Analytics (Google)
Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of this Application, to prepare reports on its activities and share them with other Google services. Google may use the Data collected to contextualize and personalize the ads of its own advertising network.

Personal Data collected: Cookie and Usage data.
Place of processing: USA – Privacy Policy – Opt Out

Google Tag Manager (Google)
Google Tag Manager is an analytics service provided by Google, Inc.

Personal Data collected: Cookie and Usage data.
Place of processing: USA – Privacy Policy

Contacting the User

Contact form (This Application)

By filling in the contact form with their Data, the User authorizes this Application to use these details to reply to requests for information, quotes or any other kind of request as indicated by the form’s header.

Personal Data collected: Email address and First Name.


Mailing List or Newsletter (This Application)

By registering on the mailing list or for the newsletter, the User’s email address will be added to the contact list of those who may receive email messages containing information of commercial or promotional nature concerning this Application. Your email address might also be added to this list as a result of signing up to this Application or after making a purchase.

Personal Data collected: Email address.

Content commenting

Content commenting services allow Users to make and publish their comments on the contents of this Application. Depending on the settings chosen by the Owner, Users may also leave anonymous comments. If there is an email address among the Personal Data provided by the User, it may be used to send notifications of comments on the same content. Users are responsible for the content of their own comments. If a content commenting service provided by third parties is installed, it may still collect web traffic data for the pages where the comment service is installed, even when users do not use the content commenting service.

Disqus (Disqus)
Disqus is a content commenting service provided by Big Heads Labs Inc.

Personal Data collected: Cookie and Usage data.

Place of processing: USA – Privacy Policy

Hosting and backend as a service

These services have the purpose of hosting data and files that enable this Application to run and be distributed as well as to provide a ready-made infrastructure to run specific features or parts of this Application. Some of these services work through geographically distributed servers, making it difficult to determine the actual location where the Personal Data are stored.

Amazon Web Services (Amazon)
Amazon Web Services is a hosting service provided by Amazon.com Inc.

Personal Data collected: Various types of Data as specified in the privacy policy of the service.

Privacy Policy

Infrastructure monitoring

These services allow this Application to monitor the use and behavior of its components so its performance, operation, maintenance and troubleshooting can be improved. Which Personal Data are processed depends on the characteristics and mode of implementation of these services, whose function is to filter the activities of this Application.

Crashlytics (Crashlytics, Inc.)
Crashlytics is a monitoring service provided by Crashlytics, Inc.

Personal Data collected: Various types of Data as specified in the privacy policy of the service.

Place of processing: USA – Privacy Policy

Pingdom (Pingdom AB)
Pingdom is a monitoring service provided by Pingdom AB.

Personal Data collected: Cookie and Usage data.

Place of processing: Sweden – Privacy Policy

Interaction with external social networks and platforms

These services allow interaction with social networks or other external platforms directly from the pages of this Application. The interaction and information obtained by this Application are always subject to the User’s privacy settings for each social network. If a service enabling interaction with social networks is installed it may still collect traffic data for the pages where the service is installed, even when Users do not use it.

Facebook Like button and social widgets (Facebook)
The Facebook Like button and social widgets are services allowing interaction with the Facebook social network provided by Facebook Inc.

Personal Data collected: Cookie and Usage data.

Place of processing: USA – Privacy Policy


Linkedin button and social widgets (Linkedin)
The Linkedin button and social widgets are services allowing interaction with the Linkedin social network provided by Linkedin Inc.

Personal Data collected: Cookie and Usage data.

Place of processing: USA – Privacy Policy


Google+ +1 button and social widgets (Google)
The Google+ +1 button and social widgets are services allowing interaction with the Google+ social network provided by Google Inc.

Personal Data collected: Cookie and Usage data.

Place of processing: USA – Privacy Policy


Twitter Tweet button and social widgets (Twitter)
The Twitter Tweet button and social widgets are services allowing interaction with the Twitter social network provided by Twitter Inc.

Personal Data collected: Cookie and Usage data.

Place of processing: USA – Privacy Policy

Interaction with online survey platforms

These services allow Users to interact with third party online survey platforms directly from the pages of this Application. If one of these services is installed, it may collect browsing and Usage Data in the pages where it is installed, even if the Users do not actively use the service.

SurveyMonkey Widget (SurveyMonkey Inc.)
The SurveyMonkey Widget is a service for interacting with the SurveyMonkey online survey platform provided by SurveyMonkey Inc.

Personal Data collected: Cookie and Usage data.

Place of processing: USA – Privacy Policy

Managing contacts and sending messages

These services make it possible to manage a database of email contacts, phone contacts or any other contact information to communicate with the User. These services may also collect data concerning the date and time when the message was viewed by the User, as well as when the User interacted with it, such as by clicking on links included in the message.

Mailchimp (Mailchimp)
Mailchimp is an email address management and message sending service provided by Mailchimp Inc.

Personal Data collected: Email address.

Place of processing: USA – Privacy Policy


Amazon Simple Email Service (Amazon)
Amazon Simple Email Service is an email address management and message sending service provided by Amazon.com Inc.

Personal Data collected: Email address.

Place of processing: USA – Privacy Policy

Registration and authentication

By registering or authenticating, Users allow this Application to identify them and give them access to dedicated services. Depending on what is described below, third parties may provide registration and authentication services. In this case, this Application will be able to access some Data, stored by these third party services, for registration or identification purposes.

Facebook Authentication (Facebook)
Facebook Authentication is a registration and authentication service provided by Facebook Inc. and is connected to the Facebook social network.

Personal Data collected: Various types of Data as specified in the privacy policy of the service.

Place of processing: USA – Privacy Policy


Twitter OAuth (Twitter)
Twitter Oauth is a registration and authentication service provided by Twitter Inc. and is connected to the Twitter social network.

Personal Data collected: Various types of Data as specified in the privacy policy of the service.

Place of processing: USA – Privacy Policy

Remarketing and Behavioral Targeting

These services allow this Application and its partners to inform, optimize and serve advertising based on past use of this Application by the User. This activity is performed by tracking Usage Data and by using Cookies, information that is transferred to the partners that manage the remarketing and behavioral targeting activity.

Remarketing through Google Analytics for Display Advertising (Google)
Google Analytics for Display Advertising is a Remarketing and Behavioral Targeting service provided by Google Inc. that connects the tracking activity performed by Google Analytics and its Cookies with the Adwords advertising network and the Doubleclick Cookie.

Personal Data collected: Cookie and Usage data.

Place of processing: USA – Privacy Policy – Opt Out


Facebook Remarketing (Facebook)
Facebook Remarketing is a Remarketing and Behavioral Targeting service provided by Facebook Inc. that connects the activity of this Application with the Facebook advertising network.

Personal Data collected: Cookie and Usage data.

Place of processing: USA – Privacy Policy


Twitter Remarketing (Twitter)
Twitter Remarketing is a Remarketing and Behavioral Targeting service provided by Twitter, Inc. that connects the activity of this Application with the Twitter advertising network.

Personal Data collected: Cookie and Usage data.

Place of processing: USA – Privacy Policy – Opt Out

RSS feed management

These services allow this Application to manage RSS feeds and the distribution of their content. Depending on the characteristics of the service used, these services may be used to insert ads within the content and to gather statistics data from them.

Feedburner (Google)
Feedburner is a service to manage RSS feeds provided by Google Inc. It allows the collection of statistics on what content is consumed and to insert ads in it.

Personal Data collected: Cookie and Usage data.

Place of processing: USA – Privacy Policy

Further information about Personal Data

Push notifications
This Application may send push notifications to the User.

Unique device identification
This Application may track Users by storing a unique identifier of their device, for analytics purposes or for storing Users' preferences.



Information about Cookies

Analytics
These Cookies are necessary for the functioning of the services filed under the section ”Analytics”.
_ut*, _ga
Google Analytics Cookies.


Since the installation of third party Cookies and other tracking systems through the services used within this Application can not be technically controlled by the Owner, any specific references to Cookies and tracking systems installed by third parties are to be considered indicative. In order to obtain complete information, consult the privacy policy for the respective third party services listed in this document.

Additional information about Data collection and processing

Legal action
The User's Personal Data may be used for legal purposes by the Data Controller, in Court or in the stages leading to possible legal action arising from improper use of this Application or the related services. The User declares to be aware that the Data Controller may be required to reveal personal data upon request of public authorities.

Additional information about User's Personal Data
In addition to the information contained in this privacy policy, this Application may provide the User with additional and contextual information concerning particular services or the collection and processing of Personal Data upon request.

System Logs and Maintenance
For operation and maintenance purposes, this Application and any third party services may collect files that record interaction with this Application (System Logs) or use for this purpose other Personal Data (such as IP Address).

Information not contained in this policy
More details concerning the collection or processing of Personal Data may be requested from the Data Controller at any time. Please see the contact information at the beginning of this document.

The Rights of Users
Users have the right, at any time, to know whether their Personal Data has been stored and can consult the Data Controller to learn about their contents and origin, to verify their accuracy or to ask for them to be supplemented, cancelled, updated or corrected, or for their transformation into anonymous format or to block any data held in violation of the law, as well as to oppose their treatment for any and all legitimate reasons. Requests should be sent to the Data Controller at the contact information set out above.

This Application does not support “Do Not Track” requests. To determine whether any of the third party services it uses honor the “Do Not Track” requests, please read their privacy policies.

Changes to this privacy policy
The Data Controller reserves the right to make changes to this privacy policy at any time by giving notice to its Users on this page. It is strongly recommended to check this page often, referring to the date of the last modification listed at the bottom. If a User objects to any of the changes to the Policy, the User must cease using this Application and can request that the Data Controller removes the Personal Data. Unless stated otherwise, the then-current privacy policy applies to all Personal Data the Data Controller has about Users.

Information about this privacy policy
The Data Controller is responsible for this privacy policy, prepared starting from the modules provided by Iubenda and hosted on Iubenda's servers.



Definitions and legal references

Personal Data (or Data)
Any information regarding a natural person, a legal person, an institution or an association, which is, or can be, identified, even indirectly, by reference to any other information, including a personal identification number.

Usage Data
Information collected automatically from this Application (or third party services employed in this Application ), which can include: the IP addresses or domain names of the computers utilized by the Users who use this Application, the URI addresses (Uniform Resource Identifier), the time of the request, the method utilized to submit the request to the server, the size of the file received in response, the numerical code indicating the status of the server's answer (successful outcome, error, etc.), the country of origin, the features of the browser and the operating system utilized by the User, the various time details per visit (e.g., the time spent on each page within the Application) and the details about the path followed within the Application with special reference to the sequence of pages visited, and other parameters about the device operating system and/or the User's IT environment.

User
The individual using this Application, which must coincide with or be authorized by the Data Subject, to whom the Personal Data refer.

Data Subject
The legal or natural person to whom the Personal Data refers.
Data Processor (or Data Supervisor)

The natural person, legal person, public administration or any other body, association or organization authorized by the Data Controller to process the Personal Data in compliance with this privacy policy.

Data Controller (or Owner)
The natural person, legal person, public administration or any other body, association or organization with the right, also jointly with another Data Controller, to make decisions regarding the purposes, and the methods of processing of Personal Data and the means used, including the security measures concerning the operation and use of this Application. The Data Controller, unless otherwise specified, is the Owner of this Application.

This Application
The hardware or software tool by which the Personal Data of the User is collected.

Cookie
Small piece of data stored in the User's device.

Legal information
Notice to European Users: this privacy statement has been prepared in fulfillment of the obligations under Art. 10 of EC Directive n. 95/46/EC, and under the provisions of Directive 2002/58/EC, as revised by Directive 2009/136/EC, on the subject of Cookies.

This privacy policy relates solely to this Application.


Rubicoin Terms of Use ("Terms")

Please read these Terms of Use carefully before using the Invest and Learn Apps operated by Rubicoin LLC.

Your access to, and use of, the Service is conditioned upon your acceptance of, and compliance with, these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.

Legal Disclaimer

Information found on Rubicoin is general information which may be helpful but should not be construed as legal, tax or other professional advice. Laws differ by state and country and we cannot guarantee the accuracy of this information for your particular scenario. You should consult an experienced attorney, tax professional or financial advisor concerning your specific situation.

Accounts

When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service.

You are responsible for maintaining the confidentiality of your account and password, including, but not limited to, the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

You may not use as a username the name of another person or entity that is not lawfully available for use, or a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.

We reserve the right to refuse service, terminate accounts, remove or edit content in our sole discretion.

Intellectual Property

The Service and its original content, features and functionality are, and will remain, the exclusive property of Rubicoin LLC and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Rubicoin LLC.

Links To Other Web Sites

Our Service may contain links to third party web sites or services that are not owned or controlled by Rubicoin.

Rubicoin LLC has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Rubicoin LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by, or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.

Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Indemnification

You agree to defend, indemnify and hold harmless Rubicoin LLC and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney''s fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password, or b) a breach of these Terms.

Limitation Of Liability

In no event shall Rubicoin LLC, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis.

The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

Rubicoin LLC, its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.

Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.

Governing Law

These Terms shall be governed and construed in accordance with the laws of United States and the state of New York.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.

About subscriptions


• Payment will be charged to your iTunes Account when you confirm your purchase.

• Your subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the period.

• Your account will be charged for renewal within 24-hours prior to the end of the current period.

• You can manage your subscription and auto-renewal in the Accounts Settings of your mobile device.

• Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription, where applicable.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

Contact Us

If you have any questions about these Terms, please contact us: support@rubicoin.com


Rubicoin Disclosure Policy

At Rubicoin, when it comes to matters of money, we believe in transparency and accountability. Day in and day out, we dedicate ourselves to delivering responsible investing ideas and sound financial education. That's why, when it comes to talking about stocks, we think it's important that you know exactly where we're coming from. With this in mind, we have developed a company-wide disclosure policy to guide our business and communications. We invite you to take some time to read through it, and hope it helps inform your experience with Rubicoin.

Investors Communicating With Investors

Rubicoin is a company that represents investors teaching and learning from other investors. Many financial publications do not permit their writers and editors to own stocks. Rubicoin not only permits, but also encourages its staff to invest in common stock. Why? Two reasons.

First, we strongly believe the most effective way to create wealth is through the long-term ownership of stocks. The stock market has compounded 10% average annual returns over the last century. We believe in using the stock market as a savings bank, and we strongly encourage treating money management as a lifelong endeavor. Therefore, we think it'd be downright mean of us to close that avenue of investment to our employees.

Second, and more important, we don't consider our employees to be journalists, but rather communicators and teachers of financial matters. It's a subtle but critical difference that affects our entire service -- from our online site at rubicoin.com, to our investment apps, to our podcasts and ebooks. As a company, we utilize every available medium to teach people of all ages, all income levels, all backgrounds, and all genetic codes about money and its applications in modern life. Therefore, we believe our staff's involvement in managing their own money is critical to their learning more about the subject and their succeeding in their own lives. And who better to write about investing than those who do it themselves?

Rubicoin writes about stocks in both free and paid content. We make stock recommendations in our Invest app and hold all of these shares in our own personal portfolios. See below for a list of stocks we currently own. We will disclose our recommendation or ownership until we cease to recommend the stock, or we sell our entire position. Of course, in both free and paid content we will continue to disclose whether the author has an interest in the stocks mentioned.

Internally, Rubicoin has always strived to operate with the highest levels of integrity and transparency. As such, here are the key components of Rubicoin’s disclosure policy:

Disclosure

• When a writer writes about a stock that he or she has a position or beneficial interest in, that fact is disclosed at the end of the article.

• All Rubicoin employees are required to publicly disclose their current individual positions

• Affiliates of Rubicoin provide individualized investment advice and investment products. These companies may recommend or hold securities mentioned in our publications. Editorial personnel have no knowledge of any affiliates' holdings and/or specific recommendations, and the affiliates' personnel have no knowledge of any editorial content before it is published. Our affiliate companies may also have their own disclosure policies, which they may make available on their respective sites.

Trading Restrictions

In addition to the above disclosure requirements, Rubicoin employees work under additional trading restrictions and guidelines. These restrictions require that they:

• Must hold any stock they own for at least 10 days. (No day trading allowed -- as if we'd want to!)

• Cannot write about a stock in the period of 2 market days before to 2 market days after purchasing or selling the stock.

• Must notify our compliance department every time they buy or sell a stock, regardless of whether they have written about it.

Business and Technology Partners

We have business relationships with an ever-changing assortment of companies, including technology vendors, leasing companies, data providers, banks, distribution channels, advertisers, landlords, accountants, and legal advisors. Many of these companies are public companies operating in industries that we follow. There may be instances in which one of our services recommends a company with whom we have a business relationship. These occurrences are unintentional and coincidental, as the business end of Rubicoin has no input or influence on the editorial side of things.

In Conclusion

We have designed our disclosure and trading guidelines to serve our community, our customers, and our employees fairly. As always, though, you should remember to consider every piece of investment information you receive, here at Rubicoin or elsewhere, not as a de facto recommendation, but as an idea for further consideration. Even the strongest disclosure policy in the world does not excuse individuals from taking responsibility for their own decisions. Due diligence, critical thought, and use of the most extraordinary device in the world (the human brain) are crucial to your financial success.

Last updated September 11th, 2015.


Rubicoin Disclaimer


FINRA has provided its own insights into how to invest carefully in this new, electronic world and NASAA also provides tips on how not to fall prey to online investment schemes. The SEC, FINRA and the NASAA maintain outstanding websites at http://www.sec.gov and http://www.finra.org, and http://www.nasaa.org respectively.

The fundamental concept is that you should NOT rely upon the information or opinions you read. Rather, you should use what you read here as starting points for doing independent research on companies and investing techniques. Then judge for yourself the merits of the material that has been shared in our forum.

Rubicoin is not here to give you hot "tips," to make "buy" or "sell" recommendations, or to tell you what to do with your money. We're here to help you to learn how to make investment and personal finance decisions for yourself, and to have fun.

You are responsible for your own investment decisions. Rubicoin will not be responsible for any errors or omissions in articles or postings, for hyperlinks embedded in messages, or for any results obtained from the use of such information. Rubicoin will not be liable for any loss or damage caused by a reader's reliance on information obtained in our assets. If you don't accept this responsibility for yourself, then you should not use Rubicoin.

If you ignore our advice to do independent research of industries, companies, and stocks, choosing instead to trade solely on information, "tips," or opinions found in our forum, you have made a conscious, willing, free, and personal decision to do so. You have also probably made a mistake.

Data and Analysis

In the material and data that we make available on our site and apps, we rely on a wide variety of sources. We believe these sources of data to be accurate and reliable, but sometimes they may not be. Rubicoin makes no claims or representations as to the accuracy, completeness, or truth of any material contained in our areas. Nor is Rubicoin liable for any errors or delays in the content or transmission of the data on platforms. We promise not to lie to you, but we reserve the right to be wrong or even stupid.