Terms of Use: 

By using this website and or subscribing to the Universal Signal alert service you agree to the following Terms of Use: 

Timo Yla-Soininmaki or any employees of the ETF-GOLD-STOCKS.COM Universal Signal service 195 Sukhumvit Soi 24, Bangkok 10110, Thailand are not a registered Investment Advisers or Brokers. Any information on this web page or in any emails should be used only for paper trading. Investing in international stock markets can be especially risky. There are many natural, economical and political issues that can affect the markets.

Readers are advised that this web page and/or any email, report or newsletter is issued solely for informational purposes and is not to be construed as an investment advice, offer to sell or the solicitation of an offer to buy any stocks or securities. The provided content is intended for personal use at the readers own risk. 

The past performance is no guarantee or indicator for results in the future and each individual is always solely responsible for his/her own investment decisions and which equities or financial instruments to trade. There are risks involved with investing, including possible loss of principal. Some results are based on back testing and are hypothetical. In real life trading no one would always get the exact market open price. The results don't take into account any brokerage fees, dividends, interest or taxes that are usually associated with investing.

The opinions and analyses included herein are based from sources believed to be reliable and written in good faith, but no representation or warranty, expressed or implied is made as to their accuracy, completeness or correctness. Timo Yla-Soininmaki may have positions in the securities that are discussed on this web page or email alerts, but he doesn't get any compensation from any company to promote any stocks or financial instruments. Readers are urged to consult with their own independent financial advisors with respect to any investment. All information contained in this web page or in any emails should be independently verified. DYODD!

Material appearing on this website and or on any email alerts may include advertising, links and other material submitted by parties other than us, which contents we can not control.

We look forward to your feedback and questions however; the law prohibits us from giving individual and personal investment advice. If you join our email list or send any feedback etc. your email address will be colleted, but it will not be sold or given to anyone else. Also you can remove it from the database by emailing us with a request of removal. Your privacy will be respected.

Timo Yla-Soininmaki can not be held responsible for consequences of delays of the signal whether placed on the website or omission or non receipt of email notifications for any reason whether caused by him or by technical circumstances, mailbox conditions or the condition or problems with the Internet. We reserve the right to chance the delivery method of the signal, limit the membership, chance or to cancel the Universal Signal at anytime for any reason. If the Universal Signal is being totally canceled there are no refunds except for free trial period subscribers. In that case the trial period subscribers must themselves cancel their subscriptions at the PayPal service.

Subscriber agrees to assume all risk resulting from the application of any of the information provided by the Universal Signal.

Cancellations: Cancel by emailing me and by locking onto your PayPal account and canceling your auto-renew subscription. 

If you are a first time member and cancel during the 3 month (90 day) trial period your credit card will not be billed, but you still have to cancel your subscription at the PayPal. After the 90 day trial period your credit card will be charged and  there are no refunds; your subscription will run until the end of the term you have paid for. 

Free trial period is for the first time subscribers only. If you have been a member earlier and subscribe again there are no free trial periods or refunds.

Subscription auto-renew policy locks in your original purchase price and as long as you stay as a member your subscription price will never go up. When you get s new credit card number it's your responsibility to update your file in PayPal so that you will not lose your original price.

Privacy Policy: Your email address will be collected if you email us for any reason and it maybe used for internal advertising, but it will not be given or sold to another party. If you want to remove your email address, email us with the word 'remove' on the subject line. We collects some information about all visitors in the process of operating, including IP address that could conceivably allow individual users to be identified. No effort is made to identify individual users, data is collected in aggregate by third party statistics providers and used to track readership levels, usage of the site in general, and monitor the use of each page on the site. Third parties, including Google, may be placing and reading cookies on your users’ browser, or using web beacons to collect information, in the course of ads being served on this website. “Cookies” are data sent to your web browser from a web server (such as Google) that can uniquely identify your computer and store information about user preferences. Most web browsers will accept cookies by default, but they can be set to reject cookies, either from all websites or from specific sites. You can also manually delete cookies from your web browser. These options are generally set through a “Privacy” setting in your browser setup. Deleting cookies or managing your cookies should not change your ability to access the content on this site.

We reserve the right to change the above terms and conditions at any time without warning.