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Disclaimers, Conflicts and Refund Policy AutoRetailStocks.com© and the Auto Retail Informer© are wholly owned and the copyright of Efficient Insights, LLC. Conflicts Policy In an effort to avoid even the appearance that our insights are driven by personal interest, owners and employees of Efficient Insights are not allowed to hold positions in individual stocks. In addition, efficient insights, will not accept fees from any publicly traded companies with the exception of any subscription or advertising fees (at the prevailing market rate) the company charges in the normal course of business. Disclaimers AutoRetailStocks.com and our daily investment e-letter is intended for experienced investors, who understand the risks, costs, consequences of and mechanics of investing. Investors should never invest more than they can afford to lose. Further, before adopting any investment strategy, we encourage investors to meet with a Certified Financial Planner (CFP®) to determine the most appropriate approach to meet an individual’s specific financial objectives. If it is determined that equity investments are appropriate in an investors’ strategy toward achieving their financial objectives, it is our sincere hope and recommendation that autoretailstocks.com and the Auto Retail Informer be used only as a part of a diversified equity investment strategy. Readers invest at their own risk, profits are not guaranteed and losses are possible. Contents of any part of the website and e-letter are based on information believed to be reliable, but its accuracy and completeness are not, and cannot be guaranteed. Information contained on this website as well as our e-letter (the Auto Retail Informer) are not a complete analysis of every material fact representing any company or security. And it should be noted that we do not "recommend" stocks in the traditional sense, but instead rank the top companies in the index. All rankings therefore are made with the hope of the stocks being included in a broader investment strategy with investor’s holding onto the securities for years. Admittedly, these hopes are not always fulfilled. The opinions contained and estimates expressed in any part of the website or e-letter represent our best judgment based on the information known at that time. Nothing herein should be construed as an offer to buy or sell or the solicitation of an offer to buy or sell any security. Over the last year, the top ranked companies in the autoretailstocks.com index have significantly underperformed the autoretailstocks.com index and broader market indices (Dow Jones Industrial Average and S&P 500.) We caution that past performance is not a guarantee of future results. Performance figures do not include fees and trading costs, but do include dividends. Further, there are inherent limitations in model portfolio results as the securities are not actually purchased or sold. As such, the performance may not reflect the impact, if any, that material economic and market factors might have had on our decision-making if the model portfolios were real. Refund Policy We have a 100% no questions asked refund policy. All refund requests need to be requested in writing and sent to the following address: Efficient insights llc 13785 Walsingham Road, Suite 140 Largo, Florida 33774 Once a request for refund has been received, however, individuals are placed on a list for a period of no less than 3 years and are no longer eligible to subscribe to any efficient insights llc publications unless receiving a waiver from efficient insights. Request for waivers should be sent to the address above. It is our intention to grant waivers in only the rarest of circumstances. If you have any questions or concerns, please contact efficient insights managing member, Jerry Marks at 727-207-6058. Or e-mail jerry@autoretailstocks.com
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