Terms and Conditions

By visiting and using the website, www.profitsonwallstreet.com, you agree to be bound by and to comply fully with the Terms and Conditions as stated below.  


The terms “our” or “we” or “us” refers to Toro Oso, LLC, as well as its agents; its employees; and its contractors.  Toro Oso, LLC is the owner of the www.profitsonwallstreet.com website.   The term “user” or “visitor” refers to someone that is browsing the website and/or consuming the “content” of the website.

All data, text, images, graphics, audio, design, and information found throughout the website, whether produced by us or others, is collectively referred to as “content”.  

The material presented on this website and in the podcast is for educational purposes only.  Toro Oso, LLC; its agents, employees, and contractors are to be held harmless against any civil actions.  Even if registered or licensed as such, we are not acting as brokers, advisors, nor registered agents.  Any material or contact with the firm or its agents, employees, or contractors is not to be construed as investment advice nor as a solicitation for funds.  Investing involves risk.  Trading involves risk.  Trading in real estate, stocks, options, commodities, currencies, and other derivatives is very risky and subjects you to risk of losses that can potentially be greater than your original investment.  

The material discussed and contained on this website is not a substitute for obtaining professional advice.  Nothing in the website shall constitute financial, legal, investment, nor any other professional advice.  There is no professional relationship between you and Toro Oso, LLC.   No one associated with Toro Oso, LLC (agents, employees, contractors, advisors, et al), even if registered or licensed as such, is acting as a broker, advisor, agent, mental health care professional, accountant, tax advisor, nor lawyer.  We recommend that you obtain advice from professionals in the respective fields before making any trading or investing decisions.  You agree that you shall not make any financial, investment, legal, or other decision based on anything contained in the website.  Any past results are not indicative of future performance.  The material on this website is for illustration and information purposes only.  

To summarize it succinctly: If you are to achieve time freedom, then you will eventually realize that each of us is responsible for our past and for our future.  Once that realization truly sinks in, then the path to time freedom will be much smoother.  If everyone would accept responsibility for our own actions, then we would not need to write all of these legal disclaimers.  We are currently unemployed and have been for nearly two decades.  Our intent with this website is to discuss time freedom and what it took for us to achieve that.   We’ll also discuss our observations of others as they progress on their journey to time freedom.  We guarantee that your results will vary from what we experienced.  If you’d like to achieve time freedom, then before taking any action regarding trading and investing, you can choose to listen to someone who has achieved it, and/or you can (and should) listen to someone who is employed as a licensed professional.  That should cover just about everything.   

Our Services

Our website offers a podcast for people who are interested in having their money work for them.  There are also some affiliate links to products that website visitors may find to be helpful in their quest for education.  

Acceptance of Agreement

This Agreement is between you and Toro Oso, LLC.

This document contains warranty disclaimers that limit our liability to you.  Read these Terms and Conditions in their entirety.  Consuming the content on our website constitutes acceptance of these Terms and Conditions. If you do not agree to be bound to every item in these Terms and Conditions, exit this website immediately.

Unless noted elsewhere, this is the only Agreement between you and Toro Oso, LLC with respect to this website and it supersedes all contemporaneous or prior communications, whether electronic, oral or written, including other representations, understandings, warranties, and Agreements with respect to the website and its content.  

This agreement may be changed at any time, without specifically notifying you.  The most current Agreement will be posted on the website.  Following any modifications to the Agreement, you agree to be bound to those changes.  If that is not acceptable, do not use the website

Legal Compliance

You agree to comply with any and all applicable domestic and international laws, codes, ordinances, regulations, and statutes regarding the use of our content.


If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations mentioned above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the reminader of this agreement shoall continue in effect.

Limited License

You are hereby granted, by Toro Oso, LLC, a revocable, non-exclusive, and non-transferable license to use our website content in accordance with this Agreement.  You agree that your use of the website and/or its content is for personal, non-commercial purposes.

Under any circumstances, no form (hardcopy or electronic copy) of our content may be used in any arbitration matter nor in any litigation, whatsoever.

Our Relationship to You

There is no relationship between you and Toro Oso, LLC.  This Agreement does not create any form of relationship, including partnership, agency, joint venture, employee-employer or franchisor-franchisee, nor any other type of relationship.  This Agreement constitutes the entire agreement between you and Toro Oso, LLC with respect to this website, and it supersedes all prior communications and proposals, whether electronic, oral or written, between you and Toro Oso, LLC with respect to this website.

Intellectual Property

Our Website may contain our service marks or trademarks.  Other product and company names mentioned herein, or in the form of words, graphics, and logos, may be the trademarks of their respective owners. Your use of the website does not constitute any right or license for you to use our service marks or trademarks, without the prior written permission of Toro Oso, LLC.

Our website content is protected under United States and foreign copyrights. The copying, redistribution, use or publication by you of any of our website content is strictly prohibited. Your use of the website does not grant you any ownership rights to our Content.

Digital Millennium Copyright Act Compliance

If there is a claim of copyright infringement, as found in our content, we will respond quickly, according to the terms of the Digital Millennium Copyright Act of 1998.  If you believe our content has infringed on any of your copyrights, please provide us with a written notice via mail, or email that contains the following six pieces of information.: 1) A detailed description of the copyrighted work that you claim has been infringed.  2) A description of where the infringed material is located on our website.  3) Your contact information (name, address, telephone, and email).  4)  A physical or electronic signature of the person authorized to act on behalf of the owner of the copyright interest.  5) Your statement of good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and  6)  A statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf.

We will only respond to respond to those notices that comply substantially with the above six requirements. We will investigate the infringement claim and will notify you by the method of contact that you used to notify us.

Content Disclaimer

The information available on, or through, the website may have errors; the content is not guaranteed to be complete, current, up-to-date, reliable, nor timely.  Not unlike any type of printed material, it is possible that the content may become out-of-date.  We are not obligated to update any content on the website, nor to correct errors.  Any and all website content may be changed, modified, altered, and/or deleted at any time without notice. We may change the features and/or content of the website at any time.  We reserve the right to edit and/or remove any content on the website.  

Any opinions expressed on our website is not necessarily the opinion of Toro Oso, LLC.  Any comments are not intended to be offensive, inappropriate, obscene, unlawful or otherwise objectionable; nor do we ever intend to malign any religion, sexual orientation, gender, ethnic group, club, organization, company, individual or anyone or anything.

Advertising and Sponsorship Disclaimer

The inclusion of advertisements and sponsors does not constitute a guarantee, an endorsement, a warranty, nor recommendation by Toro Oso, LLC; we make no warranties nor representations about any product or service contained therein.   

The website may contain advertising and/or sponsorships.  Reference to any products, services, processes, concepts, or other information, by manufacturer, supplier, trademark, or trade name does not imply an affiliation, endorsement, recommendation, or sponsorship by Toro Oso, LLC nor any third parties.  Sponsors and advertisers are responsible for ensuring that all materials to be included on the website are accurate and comply with applicable laws.  We are not responsible for any inaccuracy, error, illegality, or problem in the sponsors or advertisers materials.  

Merchant and Advertisement Disclaimer

On the website, there may be third-party merchants who provide products and/or services, from which you may elect to make a purchase.

You agree and understand that we do not operate nor control the activities, products, nor services of the merchants.  Merchants are responsible for all aspects of order processing, fulfillment, billing and customer service. We are not a party to the transactions entered into between you and Merchants.

Your purchase of, or use of, a third-party merchant’s product or service is at your sole risk.  We are not liable, under any circumstance, for any damages arising from the transactions between you and merchants.  We ae not liable for any information appearing on a merchant’s website or any other website linked to our website.  

All terms and conditions, privacy policy, and operating procedures of merchants will apply to you while on any merchant website.  The legal documents and privacy practices of third-party merchant websites are out of the control of Toro Oso, LLC.  You should review the Terms and Conditions as well as the Privacy Policy of those merchant websites so as to fully understand what data is collected and how it is used.

Our relationship to merchants is solely as an independent contractor; neither party has authority to make representations nor commitments on behalf of one another.  

Warranty Disclaimer

The website may be temporarily unavailable for updates, maintenance, or other reasons. Toro Oso, LLC assumes no responsibility for any defect, delay in response, deletion, destruction, error, interruption, omission, theft or unauthorized access to, or alteration of website visitor communications.

Toro Oso, LLC is not responsible for any technical malfunction or other problems of any telephone network or service, computer systems, servers or providers, computer or mobile phone equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or any combination thereof, including injury or damage to visitor’s computer, mobile phone, or other hardware or software, related to or resulting from using or downloading materials related to the website, including without limitation any software provided through the website.

Under no circumstances will Toro Oso, LLC be responsible for any loss or damage, including any loss or damage or personal injury or death, resulting from anyone’s use of the website or any interactions between users of the website, whether online or offline.

The content available through the website is provided “as available” with “all faults” and all warranties, express or implied, are disclaimed.  The appropriateness and suitability of any strategy or approach must be discussed with a licensed professional.  Toro Oso, LLC has no liability whatsoever for your use of the website.  Toro Oso, LLC does not promise nor guarantee any specific results from using the website content.  Any past results are not indicative of future performance.  Toro Oso, LLC cannot guarantee and does not promise any specific results from using concepts described on the website.   The material on this website is for illustration and information purposes only.     

Limitation of Liability

Toro Oso, LLC shall not be liable for any claim, damage, injury, liability or loss of any kind resulting in any way from 1) errors or omissions from the website;  2) any product liability issues;  3) the unavailability of the Website;  4) your use of content on the website; or 5) the website content.

Use of Information

We reserve the right, and you authorize us, to the use and assignment of all of your information regarding your use of the website in any manner consistent with our Privacy Policy.

All ideas, graphics, remarks, suggestions, or other information submitted and/or communicated by you to us is considered assigned to us and we consider that to be our property. We will not be required to treat any such communication as confidential, and will not be liable for any ideas (including without limitation, product, service or advertising ideas) and will not incur any liability as a result of any similarities that may appear in our future operations, products, or services, as well as topics of discussion on the podcast.    

We will have exclusive ownership, without limitation, of all present and future existing rights to the communication of every kind and nature everywhere. We will be entitled to use the communication for any commercial or other purpose whatsoever, without compensation to you or any other person making the communication. You acknowledge that you are responsible for whatever material you submit, and you, not us, have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

Privacy Policy

Our Privacy Policy is considered part of this Agreement. The privacy policy can be viewed on the website.

Linking to Our Website

You may provide links to our Website as long as 1) you do not remove or obscure, any portion of our website; and 2) your website does not engage in illicit, illegal nor pornographic activities; and 3) you discontinue linkages to our website immediately upon request by us.


You agree to indemnify, defend, and hold us (and our advertisers, affiliates, agents, assigns, attorneys, directors, employees, merchants, officers, partners, sponsors, subcontractors, successors, harmless from any claim, expense, liability and loss, including reasonable attorney’s fees, related to your violation of this Agreement and/or use of our website content.