Nothing on this site should be construed as a solicitation or offer or recommendation to buy or sell any security or to make a transaction. The information contained herein is assembled from sources who are believed reliable, but the accuracy of data or advice cannot be guaranteed. Past performance does not guarantee future performance. No chart, strategy, or tactic guarantees gains or losses. No assurances can be given that objectives will be met. The Company, its officers, staff, and clients may or may not invest in the funds or stocks and/or in the proportions shown in the Newsletter, web site, or otherwise. All investments involve risk. Read any prospectus carefully before investing.

Information is provided without regard to your personal situation and may or may not be suitable for you.

Watercourse Way Holdings, LLC owns and publishes No-Load Mutual Fund Selections & Timing Newsletter and ETF Selections & Timing.


Please read the following terms and conditions of service carefully (“Terms”).

By accessing InvestmentST.com or SelectionsAndTiming.com (the “Site”) you are indicating your agreement to be bound by these Terms. If you do not agree to be bound by these Terms, disconnect from the Site immediately. If you have any questions, please contact us at info@selectionsandtiming.com


Watercourse Way Holdings, LLC (“WWH”, “we” or “us”) will provide you with access to the Site.  Access to the Site is free.  Some other services provided by WWH may not be free.

In these Terms, Service refers to any services provided by us, including the provision of access to the Site.


We make no promise that our Service will be uninterrupted or error free.

Your access to the Service may be occasionally restricted to allow for repairs, maintenance or the introduction of new facilities or services.  WWH will attempt to restore the Service as soon as it reasonably can.

Because of the nature of the Internet, the Service is provided on an “as is” and “as available” basis.  We are not responsible to you for any error, omission, interruption, defect, delay in operation or transmission or other failure to provide the Service which results from a reason beyond our control.


The Site may contain links to other web sites, which are not under the control of or maintained by us. These links are provided for your convenience only and we are not responsible for the contents or security of those sites.  The Site may also contain advertisements from third-party providers.  We do not make any representation as to their advisability, suitability, or accuracy.

We shall not be responsible for any loss or damage suffered by you as a result of using the links or any service provided on our Site.


The content made available in the Site is provided “as is” without warranties of any kind.  Because of the nature of the information displayed on the Site, WWH cannot verify whether it is accurate or up to date.  If WWH becomes aware that the content is inaccurate or out of date it will remove it from the Site or take other appropriate action.

WWH does not warrant that the content on the Site will be free of errors or viruses or that it will not be defamatory or offensive.

WWH does not warrant, represent or endorse the accuracy or reliability of any of the information, content, advertisements or any third party site and content contained on, distributed through or linked, downloaded or accessed from the Site, nor the quality of any products, services, information or other materials displayed, purchased or obtained by you as a result of an advertisement or any other information or offer on or in connection with the Site or WWH.

The content on the Site is only for your general information and use and is not intended to address your particular requirements.

Opinions, advice, statements, offers, or other information or content made available on the Site (including any bulletin boards) are the responsibility of their respective authors and not of WWH.  The content on this Site does not constitute any form of advice, recommendation or arrangement by WWH and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions.  Appropriate advice should be obtained before making any such decision.

You acknowledge and agree that you bear responsibility for your own investment research and investment decisions, and that WWH or its officers shall not be held liable by you or any others for any decision made or action taken by you or others based upon reliance on or use of information or materials obtained or accessed through use of the Site.

Investors should be aware that prices may fall as well as rise and that the income derived can go down as well as up.  When buying or selling any investment that fluctuates in price or value you may get back less than you invested.  Past performance is not necessarily a guide to future performance.  Investors should be particularly wary about the accuracy of comments posted on the bulletin boards on the Site (if any) or any investment bulletin boards that the Site may link to.

Any arrangements made between you and any third party named on this site are at your sole risk and responsibility.


You must not use the Service in a way, which causes or is likely to cause the Service to be interrupted, damaged or impaired in any way, and you must use the Service for lawful purposes only.

You understand that you, and not WWH, are responsible for all messages received by or sent from your computer to the bulletin boards and for the content of any articles or photographs that you publish on or post to this Site or transmit to other users of the Site. WWH does not accept responsibility for unsolicited materials.

You must not use the Service or the bulletin boards for any of the following:

* for fraudulent purposes or in connection with a criminal offense or other unlawful activity;

* to send, publish, use or reuse any material which is offensive, abusive, defamatory, indecent, obscene, threatening or illegal or in breach of copyright, trade mark, confidence, privacy or any other rights;

* to transmit any chain letters, spam letters, or junk email to other users, or participate in mischievous or malicious behavior which causes or may cause damage to WWH or this Site; or

* to cause annoyance, inconvenience or needless anxiety.

You may use the Service only for your own use, and you shall not use the Site to advertise or sell any products or services.


All rights in the HTML, designs, programming and information posted by us on the Site are owned by WWH or its licensors. You may not copy, reproduce, modify, distribute, republish, display, post or transmit any part of this Site without our permission.

All trade marks, service marks, and trade names displayed on the Site are the marks of the owners of the relevant material, and may only be used by you as permitted by law or as expressly authorized by the owner.


You must compensate WWH against any loss, damage, costs and expenses (including reasonable legal fees) suffered by us as a result of any willful or negligent act by you or any breach of these Terms.


We will not be liable for your loss of profits, wasted expenditure, corruption or destruction of data or any other loss which does not directly result from something we have done wrong, even if we are aware of the possibility of such damage arising.

WWH expressly disclaims any and all warranties, including without limitation, any warranties as to the availability, accuracy, or content of information, products, or services, or any terms, conditions or warranties of quality, merchantability or fitness of the content on the Site for a particular purpose.


We will respect your personal data and will comply with all applicable US data protection legislation currently in force.

We will use your personal information, which you provide to us and the records of your visits to the Site to constantly monitor and improve our Service and for marketing purposes in accordance with our Privacy Policy.


We do not intend to sell or exchange any subscriber’s personal information, including email address, with any outside company.  We may use your information to offer services developed by WWH deemed appropriate.


We reserve the right to alter or withdraw our Service, to refuse our Service to any customer and to change the Service or these Terms at any time by notifying you by email or posting notice of changes on the Site (indicated by the phrase “Changes to Terms of Use”). We will give you as reasonable notice of any changes. If you use the Site after we have posted notice of the changes you will be bound by the new terms.


You will not transfer or attempt to transfer this contract in whole or in part to anyone else.


These Terms shall be governed by and construed in accordance with the laws of the State of Texas.