The information provided on is for informational purposes only. It should not be considered legal or financial advice. You should consult with an attorney, certified financial advisor, or other professional to determine what may be best for your individual needs.

CipherTree does not make any guarantee or other promise as to any results that may be obtained from using our content. No one should make any investment decision without first consulting his or her own financial advisor and conducting his or her own research and due diligence. To the maximum extent permitted by law, CipherTree disclaims any and all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations prove to be inaccurate, incomplete or unreliable, or result in any investment or other losses.

Content contained on or made available through this website or corresponding social media accounts is not intended to and does not constitute legal advice or investment advice and no attorney-client relationship is formed.

Your use of the information on the website or materials linked from the Web is at your own risk.

A more informal note:

This website, first and foremost, is something of a personal laboratory. I created it so that I might learn effectively by way of articulating ideas and concepts in writing. I try to hold myself to rigorous standards when learning, but even if I think I understand something, that doesn’t necessarily mean that I do.

This website deals with topics that are complex, and where there is complexity, there is always more to understand. I implore anyone reading this to do your own research, question what you know, challenge your beliefs, and to never adopt someone else’s conviction. You must think for yourself.

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