Terms & Conditions

These Terms of Use set forth the terms and conditions (“Terms”) that apply to your access and use of all SurferInvestor products and services (together, the “SurferInvestor Services” or “Services”), that are made available through our websites including but not limited to SurferInvestor.com (“Site”).  “SurferInvestor” includes SurferInvestor and its officers, directors, employees, consultants, affiliates, subsidiaries and agents.  The SurferInvestor Services may include, but are not limited to, platforms that enable users to interact with financial experts regarding their personal finances; platforms that enable users to locate and contact financial services, as well as professionals, such as third party experts, advocates, and advisors, who can provide various services; discussion forums, bulletin boards, review services, and other forums in which users may ask questions of third party advisors; and platforms that enable users to apply to pre-qualify for certain credit card or loan offers.

By using or accessing the SurferInvestor Services you agree to these Terms, as updated from time to time in accordance with this Terms and Conditions. These Terms state that any disputes between you and NerdWallet must be resolved in arbitration or small claims court.

You will not use the Services:

  1. in any way that is illegal or prohibited by law;
  2. to sell, promote, or distribute any goods or services or for other commercial purposes;
  3. in any way that violates the rights of any other person or to hack, decode, decompile, or reverse engineer the Services.

By accessing any part of the Website, you indicate that you accept these Website Terms of Use. If you do not accept these Website Terms of Use, you should leave the Website immediately, and you will not be able to order any services/products through the Website.


The Company reserves the right to modify, change, or replace this Agreement at any time by updating this document on the Service. You agree to be bound by the most recent version of the Agreement available on the Service. 

    1. Capacity and age: By using Services through our Website, you warrant that:
    2. You are legally capable of entering into binding contracts; and
    3. You are at least 18 years old.
    1. Terms of permitted use: You are permitted to use the Website and print and download extracts from the Website for your own personal non-commercial use on the following basis:
    2.  You must not misuse the Website (including by hacking or “scraping”).
    3. Unless otherwise stated, the copyright and other intellectual property rights in the Website and in material published on it (including without limitation photographs and graphical images) are owned by us or our licensors. These works are protected by copyright laws and treaties around the world and all rights are reserved. For the purposes of these Website Terms of Use, any use of extracts from the Website other than in accordance with paragraph 3.1 is prohibited.
    4. You must not modify the digital or paper copies of any materials that you print off in accordance with paragraph 6.1 and you must not use any pictures, photographs or any other graphics, video or audio sequences separately from any accompanying text.
    5. You must ensure that our status as the author of the material on the Website is always acknowledged.
    6. You are not allowed to use any of the materials on the Website or the Website itself for commercial purposes without obtaining a licence from us to do so.
    7. Limitation on use: Except as stated in Terms and Conditions, the Website may not be used, and no part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service, without our prior written permission.
    8.  Reservation of rights: Any rights not expressly granted in these Website Terms are reserved.
    1.  Although we use reasonable efforts to ensure that information on the services and in the products, including any information provided under the premium subscription, is accurate and complete, we do not guarantee this to be the case. All information provided on the site is for general informational use only and may not be relied upon by you for any purpose, including, without limitation, in making any investment decision.
    2. This services are provided “as is” with all faults. The company, its affiliates, and its content providers disclaim all warranties of any kind regarding the service, either express or implied, including but not limited to, any implied warranty of merchantability, fitness for a particular purpose, ownership, noninfringement, accuracy of informational content, and absence of viruses and damaging or disabling code.
    3. The company, its affiliates, and its content providers shall in no way be considered “experts” or financial advisors or brokers in any jurisdiction. The company, its affiliates, and its content providers in no way warrant that this services comply with the requirements of the securities laws of any jurisdiction.
    4. Use of the site and products is at your sole risk and neither the company nor its affiliates will be responsible for any liability for loss or damage suffered by you arising from your use of the services, content or products, any delays, misdelivery or nondelivery of information, restriction or loss of access, bugs, viruses or other errors, unauthorized use, or any information contained on the site or products. You should take adequate steps to verify the accuracy and completeness of any information contained on the services, content or products.
    5. The company, its affiliates, and its content providers do not warrant the accuracy, completeness, or timeliness of the services or the content. The company, its affiliates, and its content providers shall in no way be responsible for investment decisions, damages, or other losses resulting from the content of users or the company. Information contained on the site and in the content, including any information provided under the premium subscription, is not tailored for your individual situation and, as a result, such information may be unsuitable for you and your investment decisions.
    6. We are not able to exercise control over the security or content of information passing over the internet, and we hereby exclude all liability of any kind for the transmission or reception of infringing or unlawful information of whatever nature.
    7. From time to time, the company publishes information, commentaries, and research articles that may include opinions as to buying, selling, and holding different stocks. The company is not a broker or investment adviser, and does not provide investment advice or recommendations directed to any subscriber or site visitor. Nothing on the site should be construed as being investment advice. Always consult with a fully qualified financial adviser before making any investment decisions.
    8. Note that at various times, the publishers and employees of the company and its affiliates, or users who generate content, may own, buy, or sell the securities displayed and discussed on the site for purposes of investment or trading.
    9. The company is a publisher and not a financial advisor. You agree and acknowledge that no content or site content (each as defined below) published as part of the services constitutes a recommendation that any particular investment, security, portfolio of securities, transaction or investment strategy is suitable for any specific person. You further understand that none of the creators or providers of our services or their affiliates will advise you personally concerning the nature, potential, value or suitability of any particular investment, security, portfolio of securities, transaction, investment strategy or other matter.
    10. You agree and acknowledge that the views expressed in the services are the authors’ own opinions. The services may contain opinions from time to time with regard to securities mentioned in other services, and that those opinions may be different from those obtained by using another portion of the services. Trading in securities (including, without limitation, stocks, options, etfs and bonds) involves risk and volatility. Past results are not indicative of future performance.
    11. Other than personally identifiable information, any material you post, upload or transmit or upload to the Website (including without limitation Reviews) (“Visitor Material”) will be considered non-confidential and non-proprietary. By posting, uploading or transmitting any Visitor Material, you represent and warrant that you own or otherwise control all of the rights to such Visitor Material. You agree that we will have no obligations with respect to any Visitor Material, and that we and anyone we designate will be free to copy, disclose, distribute, incorporate and otherwise use any Visitor Material and all data, images, sounds, text and other things embodied in it for any and all commercial or non-commercial purposes.
    12. We will under no circumstances whatever be liable to you, whether in contract, civil wrong (including negligence), breach of statutory duty, or otherwise, even if forseeable, arising under or in connection with the Service or the Website (including the use, inability to use or the results of use of the Service or the Website) for:
      1. any loss of profits, sales, business, or revenue;
      2. loss or corruption of data, information or software;
      3. loss of business opportunity;
      4. loss of anticipated savings;
      5. loss of goodwill; or
      6. any indirect or consequential loss.
    1. You acknowledge and agree that performance data for securities is supplied by sources believed to be reliable but that such calculations are not guaranteed to be complete or accurate.
    1. Third party websites: Links to third party websites on the Website are provided solely for your convenience. If you use these links, you leave the Website. We have not reviewed and do not control any of these third party websites (and are not responsible for these websites or their content or availability). We do not endorse or make any representation about these websites, their content, or the results from using such websites or content. If you decide to access any of the third party websites linked to the Website, you do so entirely at your own risk.
    1. Privacy Policy: We are committed to protecting your privacy and security. All personal data that we collect from you will be processed in accordance with our Privacy Policy. You should review our Privacy Policy, which will be incorporated into these Website Terms of Use.
    2. Severability: If any of these Website Terms of Use are determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law.
    3. . Entire agreement: These Website Terms of Use and any document expressly referred to in them constitute the whole agreement between you and us and supersede all previous discussions, correspondence, negotiations, previous arrangement, understanding or agreement between us relating to the subject matter of any contract.
    4. No waiver: Any failure or delay by you or us in enforcing (in whole or in part) any provision of these Website Terms of Use will not be interpreted as a waiver of your or our rights or remedies.
    5. Assignment: You may not transfer any of your rights or obligations under these Website Terms of Use without our prior written consent. We may transfer any of our rights or obligations under these Website Terms of Use without your prior written consent to any of our affiliates or any business that we enter into a joint venture with, purchase or are sold to.

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