Disclosures

Not Financial Advice Disclosure

Last Updated: December 28, 2024

General Disclaimer

The content provided on Stellar Investor’s website, mobile applications, newsletters, and other platforms (collectively, our “Content”) is for informational purposes only. The Content is not intended to be a substitute for professional financial advice, and you should not take, or refrain from taking, any action based on any information contained in the Content without first seeking professional advice.

Not Financial Advice

  • We are not a registered investment advisor, broker-dealer, or financial planner
  • Our Content does not constitute financial advice, investment advice, trading advice, or any other type of financial or investment recommendation
  • Any opinions expressed are solely those of the author(s) and do not represent the views of any financial institution or regulatory body
  • Past performance is not indicative of future results
  • Individual investments and strategies discussed may not be suitable for your specific circumstances

Risk Disclosure

Investment Risks

  • All investments carry risk
  • You may lose some or all of your invested capital
  • Cryptocurrency, options, futures, and other derivative investments are particularly volatile and risky
  • Foreign investments may be subject to additional risks such as currency fluctuation and political instability
  • Real estate and alternative investments may be illiquid and carry special risks

Your Responsibility

  • You are solely responsible for evaluating the risks and merits of any investment
  • You should conduct your own due diligence before making any investment decision
  • You should consider your investment objectives, risk tolerance, and financial circumstances
  • You should consult with qualified professionals regarding your specific situation
  • Never invest money you cannot afford to lose

Professional Advice Recommendation

We strongly recommend seeking advice from:

  • Licensed financial advisors
  • Certified public accountants
  • Tax professionals
  • Legal counsel
  • Other qualified professionals relevant to your specific situation

Market Commentary

  • Market analysis and commentary are based on publicly available information
  • Views and opinions expressed may change without notice
  • Technical analysis, charts, and indicators are for illustrative purposes only
  • Economic forecasts and market predictions are inherently uncertain

Educational Content

Our educational content:

  • Is for general information only
  • May not be appropriate for all audiences
  • Should not be considered personalized guidance
  • May become outdated or inaccurate over time
  • Should be verified through independent sources

Geographic Limitations

  • Content may not be appropriate for all jurisdictions
  • Information is primarily focused on U.S. markets and regulations
  • International users should consult local professionals
  • Some products or services may not be available in all locations
  • Tax implications may vary by jurisdiction

Conflicts of Interest

We disclose that:

  • Writers may hold positions in discussed investments
  • We may receive compensation for featured products
  • Business relationships may influence content selection
  • Advertising partnerships may affect placement and visibility
  • Staff may trade in mentioned securities

Regulatory Status

Stellar Investor:

  • Is not registered with the SEC
  • Is not a FINRA member
  • Does not hold any financial licenses
  • Is not regulated by any financial authority
  • Does not execute trades or handle client funds

Emergency Disclaimer

This Content is not intended to address:

  • Financial emergencies
  • Bankruptcy situations
  • Debt crisis management
  • Urgent investment decisions
  • Other time-sensitive financial matters

Additional Considerations

  • Tax implications are not considered in general content
  • Individual financial situations are unique
  • Content may not reflect current market conditions
  • Investment suitability varies by individual
  • Legal requirements vary by jurisdiction

Affiliate Links and Partners Disclosure

Last Updated: December 28, 2024

Overview

Stellar Investor is committed to transparency in all our business practices. This disclosure explains how we use affiliate links and partnerships throughout our website and services, as well as how we integrate Google Ads into our platform.

Affiliate Links and Partnerships

What Are Affiliate Links?

Affiliate links are special URLs that contain tracking codes. When you click these links and make a purchase or take certain actions on the partner’s website, Stellar Investor may receive a commission or other form of compensation.

How We Use Affiliate Links

  • Product Reviews: When reviewing financial products, brokers, or services
  • Educational Content: Within our educational materials and guides
  • Comparison Tools: In our product comparison and recommendation tools
  • Email Communications: Within our newsletters and promotional emails
  • Mobile Applications: Throughout our mobile app interfaces

Identification of Affiliate Links

We identify affiliate links and partnership content through:

  • Clear labels stating “Affiliate Link” or “Partner Link”
  • Disclosure statements at the beginning of articles containing affiliate links
  • Distinctive visual indicators next to affiliate products
  • Explicit mentions in product comparison tables

Partner Selection Process

Our partnerships are established based on:

  • Quality and reputation of partners
  • Value provided to our users
  • Alignment with our mission and values
  • Compliance with regulatory requirements
  • User feedback and experiences

Impact on Editorial Content

  • All opinions and reviews remain independent
  • Partners have no influence over our content or ratings
  • Editorial decisions are made separately from partnership considerations
  • We maintain editorial integrity regardless of affiliate relationships

Commission Structure

  • Commission rates vary by partner and product
  • Rates typically range from 1% to 50% of the transaction value
  • Some partners provide flat-rate commissions
  • Commission structures do not affect product recommendations

Disclosure in Different Media

We provide clear disclosures across all platforms:

  • Website Content: Clear labels and disclosure statements
  • Mobile Apps: In-app notifications and labels
  • Email Marketing: Disclosure statements in email footers
  • Social Media: Disclosure hashtags and statements
  • Video Content: Verbal and written disclosures

Google Ads Disclosure

Overview

Stellar Investor uses Google Ads to monetize our platform and provide relevant advertising to our users. This disclosure explains how Google Ads works on our platform and how it may affect your experience.

Implementation of Google Ads

Types of Ads Displayed

  • Display advertisements
  • Search network advertisements
  • Remarketing advertisements
  • Video advertisements
  • Shopping advertisements

Ad Placement

We display Google Ads in the following locations:

  • Website headers and footers
  • Sidebar sections
  • Between content paragraphs
  • Mobile app interfaces
  • Search results pages
  • Email newsletters

User Data and Targeting

Google Ads may use:

  • Browsing history and behavior
  • Device information
  • Geographic location
  • Search queries
  • Demographics
  • Interest categories

Control Over Ad Experience

Users can control their ad experience through:

  • Google Ad Settings
  • Browser privacy settings
  • Platform-specific privacy controls
  • Cookie preferences
  • Opt-out mechanisms

Technical Implementation

Cookie Usage

Google Ads uses cookies to:

  • Track user interactions
  • Measure ad performance
  • Prevent fraudulent activity
  • Customize ad experiences
  • Remember user preferences

Data Collection

Information collected may include:

  • IP addresses
  • Device identifiers
  • Browser type and settings
  • Click-through behavior
  • Conversion tracking
  • Time spent on pages

Privacy Considerations

Data Protection

  • All data collection complies with privacy laws
  • Information is handled according to Google’s privacy policy
  • User data is protected through encryption
  • Regular security audits are performed
  • Access to data is strictly controlled

User Rights

Users have the right to:

  • Opt out of personalized advertising
  • Control ad preferences
  • Access collected information
  • Request data deletion
  • File privacy complaints

Regulatory Compliance

Legal Framework

We comply with:

  • Federal Trade Commission (FTC) guidelines
  • Digital Advertising Alliance principles
  • Network Advertising Initiative standards
  • General Data Protection Regulation (GDPR)
  • California Consumer Privacy Act (CCPA)

Industry Standards

We adhere to:

  • Interactive Advertising Bureau (IAB) guidelines
  • Better Business Bureau advertising standards
  • Platform-specific advertising policies
  • Industry self-regulatory principles
  • Local advertising regulations

Contact Information

For questions about our advertising practices:

Email: wealth@stellar-investor.com
Address: Stellar Investor
3857 Birch St. 3221
Newport Beach, CA 92660

Updates to This Disclosure

We regularly review and update these disclosures to reflect changes in our practices and partnerships. Users will be notified of significant changes through:

  • Website notifications
  • Email communications
  • Platform updates
  • Mobile app notifications
  • Account alerts