TheRayJourney.com (also referred to in this statement as “blog,” “site,” “website”) is created and authored by Ray and is published and provided for informational purposes only.  The information in the Blog constitutes the content creator’s own opinions (and any guest bloggers posting from time to time) and it should not be regarded as a professional advice.

Any information provided on this blog is accurate and true to the best of my knowledge, however, there can still be omissions, errors, or mistakes.

I like to share links to articles and information which is interesting to me or which has useful and relevant information to the topics I discuss.  However, it is in no way considered an endorsement.

Not A Financial Advisor

I am not a financial advisor, nor am I holding myself out to be. The opinions expressed in the Blog are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security or investment product.  It is only intended to provide education about the financial industry.  The views reflected in the commentary are subject to change at any time without notice.

Nothing on this Blog constitutes investment advice, performance data or any recommendation that any security, portfolio of securities, investment product, transaction or investment strategy is suitable for any specific person.  

From reading my Blog I cannot assess anything about your personal circumstances, your finances, or your goals and objectives, all of which are unique to you, so any opinions or information contained on this Blog are just that – an opinion or information.  

Because the information on this blog are based on my personal opinion and experience, it should not be considered professional financial investment advice. The ideas and strategies should never be used without first assessing your own personal and financial situation, or without consulting a financial professional.  My thoughts and opinions will also change from time to time as I learn and accumulate more knowledge.

You should not use my Blog to make financial decisions and I highly recommended you seek professional advice from someone who is authorized to provide investment advice.

Not A Medical Doctor

I am not a medical doctor, nor am I holding myself out to be. There are a few articles on this blog that discuss health and medical topics, this information is not intended to be a substitute for health and medical care that can be provided by your own physician/medical doctor.

Although care has been taken in preparing the information provided to you, I cannot be held responsible for any errors or omissions, and I accept no liability whatsoever for any injury or damage you may incur.

Always seek medical counsel relating to your specific circumstances as needed for any and all questions and concerns you now have, or may have in the future.

You agree that the information on this blog is not medical advice to be used to diagnose/treat any condition and Ray/TheRayJourney.com is not liable for how you use and implement the information you receive.

You should always consult with your physician before starting a fitness regimen, adding supplements to your diet regimen, or any other changes that can affect your medications or treatment plan.

Limitation of Liability

By using this Website, you agree to absolve me of any liability or loss that you or any other person may incur from use of the information, products or materials that you request or receive through or on my Website. You agree that I will not be liable to you, or to any other individual, company or entity, for any type of damages, including direct, indirect, special, incidental, equitable or consequential loss or damages, for use of or reliance on my Website.

You agree that I do not assume liability for accidents, delays, injuries, harm, loss, damage, death, lost profits, personal or business interruptions, misapplication of information, physical or mental disease or condition or issue, or any other type of loss or damage due to any act or default by me or anyone acting as our agent, consultant, affiliate, joint venture partner, employee, shareholder, director, staff, team member, or anyone otherwise affiliated with my business or me, who is engaged in delivering content on or through this Website.

TheRayJourney.com reserves the right to change how this blog is managed/run and may change the focus or content on this blog at any time.

By continuing to use TheRayJourney.com, you confirm that you understand and agree to the above statement.

Please make sure to also read the Terms of Use and Privacy Policy.