Introduction

This web site is owned and operated by Devkota Capital Advisors LLC ("DCA"), a California limited liability company. Nothing on myMy Portfolio Advisor.com, or any page within the myMy Portfolio Advisor.com domain should be considered an offering or recommendation of securities or financial advice. This website is made available for educational and entertainment purposes only. Please read the "Terms of Service". The Terms of Service govern your access to and use of the Site. This is a legal agreement between you and DCA.

YOU UNDERSTAND THAT BY USING THE SITE, OR YOUR ACCOUNT, YOU ARE AGREEING TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT ACCEPT THESE TERMS OF SERVICE IN THEIR ENTIRETY, OR ANY SUBSEQUENT MODIFICATIONS THERETO, YOU MAY NOT ACCESS OR USE THE SITE.

Your Acceptance

Your use of the site is subject to this Terms of Service Agreement and the current DCA Privacy Policy published at https://www.myMy Portfolio Advisor.com/privacy_policy. Each time you use the Site, you agree to be bound by the following Terms of Service and our Privacy Policy. If you do not agree to all of these conditions, then you must immediately discontinue your use of the Site. DCA may at any time revise or amend these Terms of Service, and it is your responsibility to review the Terms of Service for any changes each time you visit the Site. Your use of the Site following any revision or amendment of these Terms of Service will signify your assent to and acceptance of the revised Terms of Service. These Terms of Service apply to all customers, visitors, users, and others who view the Site ("Users").

Information Disclaimer

The Site may provide certain financial market data, quotes, price forecasts, other forecasts, news, research, predictions, and opinions or other financial information (collectively "Information") that has been independently obtained by certain financial market information services, financial and research publishers, various securities markets including stock exchanges and their affiliates, and other providers (collectively the "Information Providers") or has been obtained by DCA from other sources including computer algorithms that may include guessing or other sources of random information. All data and Information are provided "as is" and the Information is intended solely as general information for educational and entertainment purposes only and is neither professional stock broker advice for any investment nor a substitute for other professional advice and services from qualified financial services providers familiar with your financial situation. Decisions based on Information contained within the Site are your sole responsibility. Always seek the advice of your financial advisor or other qualified financial services provider regarding any investment. Your use of the Site is subject to this disclaimer: DCA assumes no responsibility for any consequences relating directly or indirectly to any action or inaction you take based on the Information or other material on this Site. DCA does not guarantee or certify the accuracy, completeness, timeliness, or correct sequencing of the Information made available. You agree that DCA, the Information Providers, and the Information Transmitters shall not be liable in any way for the accuracy, completeness, timeliness, or correct sequencing of the Information, or for any decision made or action taken by you relying upon the Information. You further agree that DCA, the Information Providers, and the Information Transmitters will not be liable in any way for the interruption or cessation in the providing of any data, Information, or other aspect of the Site. DCA is not responsible for, and makes no warranties regarding, the access, speed, or availability of the Internet in general or the Site in particular. DCA reserves the right to modify or discontinue, temporarily or permanently, all or any portion of the Site with or without notice.

Warranty Disclaimer

THE INFORMATION PROVIDED THROUGH THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." YOU AGREE THAT YOUR USE OF THE SITE SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, DCA, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF. DCA MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, ADEQUACY, TIMELINESS, OR COMPLETENESS OF THIS SITE'S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS SITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, OMISSIONS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION, DELAY OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. DCA PROVIDES NO GUARANTEE AGAINST THE POSSIBILITY OF DELETION, MIS-DELIVERY OR FAILURE TO STORE COMMUNICATIONS, PERSONALIZED SETTINGS, OR OTHER DATA.

Indemnity

You agree to indemnify and hold DCA and its affiliates, agents, employees, and licensors harmless from any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Site; (ii) your violation of any term of these Terms of Service; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right. This defense and indemnification obligation will survive termination of these Terms of Service or discontinuance of your use of the Site.

Ability to Accept

By your use of the Site, you affirm that you are either are at least 18 years of age and you gives us permission to communicate with you.

Terms and Termination

Your permission to access the Site under these Terms of Service will immediately terminate if you fail to comply with any term or condition. Upon such violation, you agree to terminate access to the Site. You agree that DCA, in its sole discretion and with or without notice, may terminate your access to any or all of the Site, and remove and discard any Content within the Site. DCA may also in its sole discretion with or without notice discontinue providing the Site. You also agree that DCA will not be liable to you or any third party for any termination of your access to the Site.

Refund Policy

You may cancel your My Portfolio Advisor account at any time, but all payment transactions are considered final and no refunds will be issued.

Other Disclaimers

  • Past performance is no guarantee of future results, which may vary. This is for educational and entertainment only.
  • Investing involves risk, including possible loss of principal. The value of the investments and the income derived from them may fluctuate over time.
  • All portfolio returns presented are hypothetical and backtested. Hypothetical returns do not reflect trading costs, transaction fees, or taxes.
  • The results are based on information from a variety of sources we consider reliable, but we do not represent that the information is accurate or complete.
  • The results do not constitute investment advice or recommendation, are provided solely for informational purposes, and are not an offer to buy or sell any securities.
  • The results are based on the total return of assets and assume that all received dividends and distributions are reinvested.
  • CAGR = Compound Annual Growth Rate
  • Stdev = Annualized standard deviation of monthly returns
  • Stock market correlation is based on the correlation of monthly returns
  • Drawdowns are calculated based on monthly returns excluding cashflows
  • The backtested results assume rebalancing of portfolio assets to match the specified allocation