Terms of Use

Updated: 8/14/2020

Welcome to the www.oneshareatatime.com website (“Site”) operated by One Share At A Time LLC. By visiting and using this Site you will be accepting these Terms of Use (“TOU“). The TOU governs your access to and use of the Site and any of the Services we provide through the Site (together the “Services”). Please read them carefully and if you disagree with the TOU in any way, then do not use this Site or any of the Services. One Share at a Time reserves the right to post changes to the TOU on this Site at any time. If we make any material changes to this TOU, we will post the updated TOU here, along with its effective date, and notify you by email or by means of a notice on our Site. If any TOU changes are not acceptable, you must stop your use of this Site. In these TOU, “One Share at a Time” and “we” and “Company” refer to One Share At A Time LLC, and “User” or “you” refer to each visitor to this Site.

If you subscribe to any Services offered through this Site, you may also be subject to additional terms and conditions (“Terms of Service” or “TOS“) applicable to such Services, which will be brought to your attention at that time.

Agreement

By using the Site, you agree to be bound by our Terms of Use (the “TOU.”) and our privacy policy, located at (www.oneshareatatime.com/privacy) and incorporated herein by reference (the “Privacy Policy”). If you do not agree to the TOU and the Privacy Policy, you must not access or use the site.

The Site is only offered and available to users who are at or above the legal age of majority in your country and state. If you are under the legal age of majority in your country or your state, you must have your parents’ or legal guardian’s consent to enter into this TOU and to use the Site. By using the Site, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Site.

Personal Capacity

You agree that your access to, and use of, the Service and the content and tools available through the Service is in a personal capacity.

Changes to Subscriber Agreement

We may change the terms of this agreement at any time by notifying you of the change in writing or electronically (including without limitation, by email or by posting a notice that the terms have been “updated” or similar words including notification via a post on our site). The changes also will appear in this document, which you can access at any time by going to the Terms and Conditions link. You signify that you agree to be bound by such changes by using the service after changes are made to this agreement.

Securities Disclaimer

Neither we nor our licensors shall be liable for any errors, inaccuracies or delays in the Services or any Content or data, or for any actions taken by you in reliance thereon. You expressly agree that your use of the Services and the Content is at your sole risk.

From time to time, reference may be made on our Site to articles and opinions published by others. These references may be selective, may reference only a portion of an article or opinion, and may not be current. As markets change continuously, previously published information and data are not likely to be current and should not be relied upon.

No Recommendations or Advice

The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by One Share at a Time or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation. You should consult a financial advisor regarding specific financial questions. The mere mention of any security, strategy, or idea is in no way a recommendation.

Education, Strategy, and Information Boxes

Throughout the site, there is various content. This includes, but is not limited to, articles, information boxes, and example target allocations with descriptions. We do our best to make sure this content is simple to understand, unbiased, and accurate. With that, all the content on the site is as-is and with all faults. We are not to be held responsible for any inaccuracies or errors within this content. All content is designed to be informative and is in no way a recommendation of any strategy, security, or financial product. This site is intended to be used by self-directed investors, and it is solely up to the user to decide whether or not the tools and content are suitable to be used for their particular situation, as well as how they would like to use the tools and content. It is also up to the user to determine the validity of the content and tools. The site, in its entirety, is to be used at your own sole risk.

If you find a problem with any of our content, we ask you bring it to our attention here:

admin@oneshareatatime.com

Notes on Categorization and Rounding

The site includes categorization of a wide array of securities. This categorization is used to label, track, and aid in the screening of different securities available on the open market. We do our best to make sure these categories fairly represent each security, however, there are some limitations. Right now, stocks, equity ETFs, and bond ETFs are the only securities that we categorize. While other securities may trade on the open market, and you may be able to research them, we do not categorize them. This is for simplicity. Additionally, some stocks and ETFs may not be categorized even though they fall into the stock, equity ETF, or bond ETF category. This may be because they are new or not extremely popular among retail investors. If you find a security like this, email us here and we will try to quickly tag it:

admin@oneshareatatime.com

The categories that each of these securities fall into are determined by a set of standards. The standards are designed to make the categories simple and narrow. For this reason, certain securities must be rounded in order to conform to our standard. An explanation of how each security is categorized is down below.

Top-Level Classification

The first classification categorizes securities into three categories: US Stocks, International Stocks, and Bonds. They are categorized as follows:

US Stocks: If a security represents equity in a company that is headquartered in the US, or if an ETF is composed of a large majority of US stocks, it falls into this category.

International Stocks: If a security represents equity in a company that is headquartered internationally, or if an ETF is comprised of a large majority of international stocks, it falls into this category.

Additionally, if an ETF has significant exposure in both the US and internationally, it is marked as “Global” and can be searched that way. Adding a global ETF to your portfolio will affect both the “US Stocks” and “International Stocks” portion of your graph equally. This may not be an exact representation of how the equity is split, but it is designed to help roughly visualize how the funds are being spread out.

Bonds: If an ETF represents a package of bonds, it is classified in this category. These differ from individual stocks and equity ETFs because they represent debt. A bond ETF is the only way that the site categorizes and tracks bond exposure, and it does not track individual bonds.

In addition to the top-level classification, securities are further tagged into more specific categories. They are categorized as follows:

Further Classification of Equities

Market Capitalization: The market cap of a stock is interpreted and our software categorizes it as “Large Cap” (>$10B), “Mid Cap” ($2-10B), or “Small Cap” (<$2B). Additionally, we look at the holdings of individual ETFs and use similar classifiers. If the majority (greater than 50%) of the holdings of an ETF appear to fall into one of those categories at the time of classification, we classify it as that category. If there is no clear majority in one market cap category, it is classified as “Blend” and will affect each section of your capitalization chart equally. This equal weighting may not precisely represent the holdings of the ETF, but is intended to simply illustrate that there is diversity within.

Sector: The SIC code of a stock is interpreted by our software, benchmarked with the standard we use, and categorized into one of 9 sectors. While many companies have operations that may transcend into several sectors, but we use this standard for simplicity. The sectors are basic materials, consumer goods, services, financials, healthcare, industrial goods, utilities, technology, and conglomerates. In addition to individual stocks, we attempt to classify ETFs based on this benchmark as well. If an ETF is monitoring a specific sector or industry, we look at the holdings and attempt to classify it into the sector that best represents it. ETF providers use several different classification standards when creating these ETFs, and not all companies in the ETF may fit into one specific sector based on the standard we use, however, we try to categorize based on best fit. Additionally, if an ETF does not aim to track a specific sector or industry, it is categorized as “Blend” and will affect each section of your sector chart equally. This equal weighting does not exactly represent how equity is divided up, rather, it is intended to illustrate the fact that that particular ETF has some representation in a variety of sectors and offers more diversification than some other securities.

Valuation: The P/E ratio of a stock is interpreted by our software and categorized as either “Growth” (<0x or >20x) or “Value” (>0x and <20x). Additionally, if an ETF is designed to track certain companies based on value or growth, we try and classify it accordingly. For example, if an ETF tracks value, high dividend, or low volatility companies, it will be classified as value. Certain ETFs may track sectors or markets that are more value or growth oriented, but this classification is based solely on specific valuation-based approaches. If an ETF does not specifically focus on this, they are categorized as “Blend” and will affect both sections of your valuation chart equally. This equal weighting may not exactly track the value and growth blend of an ETF, but is designed to help illustrate that there are both types of companies within the fund.

Further Classification of Bond ETFs

Maturity: ETFs that hold bonds may target a specific duration until maturity. When they do this, we attempt to categorize the funds into 3 groups. They are “Short Term” (<5 years), “Intermediate Term” (5-10 years), and “Long Term” (>10 years). If the fund does not specifically target a certain duration to maturity, it is categorized as “Blend” and will affect all areas of your maturity chart equally. This equal weighting may not precisely represent the duration to maturity mix of all the bonds within the fund, but is designed to illustrate that there is variation.

Grade: ETFs that hold bonds may primarily target a specific grade. When they do this, we attempt to categorize them into 3 groups. They are “Government” (treasury, agency, and municipal based), “Investment” (rated BBB- or higher), and “High Yield” (rated lower than BBB-). If a fund does not emphasize a specific grade, it will be classified as “Blend” or “Government/Investment”. Those will affect all, or some portions of your grade chart equally. This equal weighting may not precisely represent how the different grades are split up within the fund, but is useful in illustrating that there are multiple grades of bonds within the fund.

Origin: ETFs typically hold either US bonds or International bonds. We divide them into these two groups based on where the vast majority of the debtors are located. If there are bonds within an ETF from the US and internationally, it is categorized as “Blend” and will affect both portions of your origin chart equally. This equal weighting may not be completely representative of the exact weighting within the ETF, but is intended to illustrate that there is global debt within.

These are the standards we use. They are designed to give users a better understanding of how their investments are diversified throughout the categories, and how their portfolio compares to the strategy they picked. It can paint a clearer picture, however, due to rounding, at this time it will not give you an exact measure of exactly how your portfolio is diversified. Understand this and use accordingly. Additionally, we are not responsible if a security is incorrectly categorized based on the standard, and if you find one that you feel is incorrectly categorized based on our standard, we ask you bring it to our attention here:

admin@oneshareatatime.com

Securities that fall within the same asset class or category may experience similar swings in price as they face external market conditions. Content throughout the site describes some of the potential risks/rewards associated with the various categories that securities fall into. It is important to note that just because security is categorized a certain way does not guarantee its price will behave in a way that is in line with other securities within the same category. It also does not guarantee that a security, or even an entire category, will behave in a way that is in line with how they are described. Every investment is unique. Much of the content on the site comes from research of past performance and attempts to give general guidelines, however, anything can happen.. Past performance does NOT guarantee future results. This means that regardless of asset class, market cap, valuation, origin, sector, maturity, grade, or any other classification of a security, the investor faces risk of losing some, or all capital invested. Be sure you are clear on all risks before investing. Be sure to contact a professional if you have any questions. All investment decisions are completely up to you and you alone bear all of the risk.

Copyrights

The Site and the content contained herein, as well as all copyrights, are the property the Company. You may access and use the content, and download and/or print out copies of any content from the Site, solely for your personal, noncommercial use. You acknowledge that you do not acquire any ownership rights by using the Site.

The Site contains links to other Internet websites or resources. We neither control nor endorse such other websites, nor have we reviewed or approved any content that appears on such other websites. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or appropriateness 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.

You may link to any content on the Site. If you are interested in reprinting, republishing or distributing content from the Company, please contact the Company to obtain written consent. One Share at a Time is a trademark and/or service mark of the Company. All other trademarks, service marks, and logos used on our websites are the trademarks, service marks, or logos of their respective owners.

Before buying or selling any investment, whether based on the example portfolios, actual portfolios or otherwise, you should consult with a qualified investment adviser, broker or other financial professional to verify the suitability of the investment and pricing information.

User Conduct

You may not republish, upload, post, transmit or distribute content from the Site to in any manner, without our prior written permission. Modification of the content or use of the content for any purpose other than your own personal, noncommercial use is a violation of our copyright and other proprietary rights and can subject you to legal liability.

In addition, in connection with your use of the Site, you agree not to:

  • Restrict or inhibit any other visitor from using the Site, including, without limitation, by means of “hacking” or defacing any portion of the Site;
  • Use the Site for any unlawful or unauthorized purpose;
  • Express or imply that any statements you make are endorsed by us, without our prior written consent;
  • Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Site;
  • “Frame” or “mirror” any part of the Site without our prior written authorization;
  • Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the Site or its contents;
  • Harvest or collect information about visitors to the Site without their express consent; or
  • Distribute or otherwise furnish the content to any person (other than a team member) or firm without prior written approval;

You also agree to comply with all applicable laws, rules and regulations in connection with your use of the Site and the content made available therein.

Content Standards

We have the to edit, move, delete, and/or remove any information on the site at any given time.

Disclaimer of Warranties and Limitation of Liabilities

THE SITE AND SERVICES ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY. NO CONTENT ON OUR SITE IS INTENDED TO CONSTITUTE PROFESSIONAL ADVICE, WHETHER MEDICAL, FINANCIAL, LEGAL OR OTHERWISE. YOUR USE OF THE SITE, THE WIDGETS AND SERVICES IS AT YOUR SOLE RISK. THE SITE, THE MARKET DATA, THE WIDGETS AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. ONE SHARE AT A TIME MAKES NO REPRESENTATION OR WARRANTY THAT THE SITE, THE WIDGETS OR SERVICES WILL MEET YOUR REQUIREMENTS, OR WILL BE UNINTERRUPTED, SECURE, CURRENT OR ERROR-FREE, OR THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, THE WIDGETS, AND SERVICES WILL BE ACCURATE, TIMELY, USEFUL OR RELIABLE. TO THE GREATEST EXTENT PERMITTED BY LAW, ONE SHARE AT A TIME DISCLAIMS ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, WITH RESPECT TO THE USE OF THE WIDGETS THE SITE, AND ITS SERVICES, OR THE ACCURACY, COMPLETENESS, TIMELINESS OR CURRENTNESS OF ITS CONTENT AND DATA, IN ANY WAY AND FOR ANY PURPOSE.

ONE SHARE AT A TIME AND ITS AFFILIATES, SUPPLIERS, AGENTS AND SPONSORS DO NOT WARRANT THAT YOUR USE OF THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT THE SITE OR THE SERVER(S) ON WHICH THE SITE IS HOSTED ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE, OR STATEMENT OF ONE SHARE AT A TIME OR ITS AFFILIATES, SUPPLIERS, AGENTS, MEMBERS, OR VISITORS, WHETHER MADE ON THE SITE OR OTHERWISE, SHALL CREATE ANY WARRANTY.

EXCLUSION OF CONSEQUENTIAL DAMAGES

IN NO EVENT WILL ONE SHARE AT A TIME BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR INDIRECT DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE WIDGETS THIS WEBSITE OR ANY OF ITS SERVICES OR CONTENT, OR LOSS OF DATA, EVEN IF ONE SHARE AT A TIME HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, PRODUCT LIABILITY, STRICT LIABILITY OR OTHERWISE.

EXCLUSION OF LIMITATIONS AND DISCLAIMERS

BECAUSE SOME JURISDICTIONS, SUCH AS NEW JERSEY, RESTRICT OR DO NOT ALLOW THE DISCLAIMER OF WARRANTIES, OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS ONE SHARE AT A TIME’S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Indemnification

As a condition of your use of the Site, you agree to indemnify, defend and hold us, our officers, directors, employees, agents and representatives harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys’ fees), or other expenses that arise directly or indirectly out of or from (a) your violation of the TOU; (b) your use of the Site; or (c) your violation of the rights of any third party.

Fees and Payments

You agree to pay the subscription fees and any other charges incurred in connection with your user name and password for a Service (including any applicable taxes) at the rates in effect when the charges were incurred. If your subscription includes access to areas containing premium content or services, your access to such areas may be subject to additional fees, terms and conditions, which will be separately disclosed in such areas. We will bill all charges automatically to your credit or debit card. Subscription fees will be billed at the beginning of your subscription or any renewal. Unless we state in writing otherwise, all fees and charges are nonrefundable. We may change the fees and charges then in effect, or add new fees or charges, by giving you notice in advance. If you believe someone has accessed a Service using your user name and password without your authorization, please contact us. 

Subscription Renewal and Cancellation 

Your subscription will renew automatically, unless it is cancelled. For all subscriptions, you must cancel your subscription before it renews in order to avoid billing of subscription fees for the renewal term to your credit or debit card. There are no refunds, so be sure to cancel your membership if you do not want it to automatically renew. We may cancel your subscription at any time by notifying you.

Tax

If you elect to access or use Services that involve payment of a fee, then you agree to pay that fee and all taxes associated with such access or use, including, if applicable, any sales tax One Share at a Time believes in good faith that it is required to collect. One Share at a Time may collect taxes (e.g., sales tax) on any transaction where it reasonably believes that tax collection is required. Where One Share at a Time believes in good faith that sales tax collection is required, sales tax will be calculated and added once your billing information is provided.

Miscellaneous

The Site is directed solely to individuals residing in jurisdictions in which provision of the Site’s content is legal. We make no representation that materials provided on the Site are appropriate or available for use in other locations. Those who choose to access the Site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Site to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service or product that we provide.

The TOU together with all One Share at a Time’s policies referred to herein, constitutes the entire agreement between you and One Share at a Time relating to your use of the Site and supersedes any and all prior or contemporaneous written or oral agreements on that subject between us.