Terms of use

These terms apply when you use inversado.com, in English or Spanish. By using the site, you agree to them. If you do not agree, please do not use the site.

Who we are

Inversado is an independent financial education site, with guides to investing, borrowing against assets, financial markets and crypto, and a directory of financial professionals. Inversado is based in Harris County, Texas. "We", "us" and "our" mean Inversado; "you" means anyone who uses the site.

What Inversado is and is not

Inversado publishes general information about money and lists financial professionals. It is not a lender, a broker-dealer, a registered investment adviser, a tax adviser, an accountant or a law firm. Nothing on the site is investment, tax or legal advice, or a recommendation to buy, sell, hold or borrow, or to use any lender, platform, asset or loan-to-value. The disclaimer has the short version.

• Guides are general education. They explain how things work, what they cost and what can go wrong. They are not advice about your finances, and nobody who writes or edits them is your adviser.
• No advisory or client relationship. Reading the site, using the contact form or contacting a professional through a listing does not create an advisory or client relationship with Inversado. A relationship with a professional begins only on that professional's terms.
• Crypto carries added risk. Crypto assets can lose value quickly. Borrowing against them can lead to the sale (liquidation) of the collateral. Lender failures have frozen customer assets. Crypto held at a lender is generally not covered by FDIC insurance or SIPC protection.
• Rules, rates and terms change. Laws, regulations, rates and loan terms are updated, sometimes without notice. A guide may not reflect today's figures. Confirm any detail you plan to rely on with the lender, the regulator or a licensed professional.

If you find a fact that has changed, tell us through the contact form.

The directory of financial professionals

The directory lists financial professionals and firms with details such as name, address, phone, website and hours, drawn from public business information. Each listing is information for you to follow up on. It is not an endorsement, a recommendation, a ranking or a check of a professional's registration, licenses, credentials, experience, fees or results. Inversado does not verify any of those unless the listing says it did, and then it names the source and the date.

Any agreement you make with a professional is between you and that professional. Ask about fees, services and registration before you decide, and check an adviser or broker yourself on SEC IAPD or FINRA BrokerCheck. Firm names and logos belong to their owners and appear only to identify a business; no affiliation is implied.

A professional or firm can ask for a correction or removal through the contact form, sending the listing's link, the detail that is wrong and the correct detail from an email address or phone number it publishes.

Sponsored listings and how Inversado is paid

Inversado is paid by professionals and not by readers. Professionals can choose paid directory plans, Pro and Sponsored, for flat monthly or yearly fees for advertising and presentation. The fee never depends on inquiries, clicks, clients signed, assets managed or results, and Inversado takes no percentage of anything a professional earns. Sponsored listings carry the label "Sponsored" on the listing. A paid plan is not an endorsement, a recommendation or a certification of any kind, and it never buys reviews, badges or credentials. Featured, Pro and Sponsored content is advertising; the advertising notice explains it.

Inversado also sells website services to financial firms. The affiliate and advertising disclosure explains how the site is paid and what happens if an affiliate link is added.

For professionals and firms

If you list a business or buy a plan, you confirm that:

• the information and any content you supply are accurate, current and yours to give us;
• every registration, license and credential you claim is held and in good standing, and your advertising follows the rules of the SEC, FINRA and each state where you operate;
• you answer for the copy and images you supply, and for the compliance of your own advertising, including any filing, disclosure or disclaimer that applies;
• a paid plan buys advertising and presentation, and Inversado promises no inquiries, clients or results.

Payments are made through Square payment links, and Square handles your card details. We may correct, suspend or remove a listing that breaks these terms or the law.

Things you send us

When you send a message, a correction or listing details, you confirm that what you send is accurate, that it is yours to send, and that it breaks no law and no one else's rights. You keep ownership of what you send. You give us permission to use it to run the site. If you send ideas or suggestions about the site, we may use them without any obligation to you.

Please do not send account numbers, Social Security numbers, passwords, wallet seed phrases or private keys, or bank account numbers through the contact form. Nobody at Inversado can act on your accounts or give advice about them. Questions about your own situation belong with a licensed professional.

Rules for using the site

When you use the site, you agree not to:

• break any law, or help anyone else break one;
• send false or misleading information, or pretend to be someone else, including falsely speaking for a professional or firm in the directory;
• send spam, malware or anything harmful through a form;
• copy, scrape or harvest the site or its directory in bulk by automated means, except for search engines indexing public pages under the robots.txt file;
• use the site's content to train or build artificial intelligence models or datasets without our written permission;
• try to get around security features, disrupt the site or overload it; or
• harass, threaten or defame anyone, including professionals and firms in the directory.

We may block access, remove material or refuse service to anyone who breaks these rules.

Our content and trademarks

The site's text, data compilations, design, graphics, photos and code belong to Inversado or to those who licensed them to us, and are protected by copyright and other laws. You may read, print and share single pages for your own personal use, as long as you keep our name and any copyright notice, and you may link to any public page. For any other use, such as republishing a guide, ask us first through the contact form.

Inversado and its logo are our marks; please do not use them in a way that suggests we endorse you or your business. Other names and logos on the site belong to their owners.

Copyright notices

If you believe material on the site infringes your copyright, send a notice through the contact form or to the email address in the privacy policy. A designated agent for notices will be listed on the copyright page when registered. The notice should identify the work, the page where the material appears, your contact details, a statement that you believe in good faith the use is not authorized, a statement that your notice is accurate and that you are the owner or authorized to act for the owner, and your signature. We will review it and remove material that infringes.

Links to other websites

The site links to regulators, exchanges, government agencies, professionals' own websites and other sources. We do not control those websites and are not responsible for their content, services, privacy practices or availability.

Disclaimer of warranties

We provide the site and everything on it "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy and completeness, and any warranty that the site will be uninterrupted, secure or free of errors. Some places do not allow certain warranties to be excluded, so some of these exclusions may not apply to you.

Limitation of liability

To the fullest extent the law allows, Inversado and its owner, contractors and agents will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, data or goodwill, arising from or related to the site. That includes a decision you make from a guide, a loss in the value of an asset, a liquidation of collateral, a missed deadline, or a problem with a lender, platform or professional found through the site or the directory.

To the fullest extent the law allows, our total liability for all matters related to the site is limited to the amount you paid us in the 12 months before the matter arose. Some places do not allow these limits, so some may not apply to you. Nothing in these terms limits liability that the law does not allow to be limited.

Indemnity

To the extent the law allows, you agree to defend and hold harmless Inversado and its owner, contractors and agents from losses and costs, including reasonable attorneys' fees, arising from your breach of these terms, what you send us or your misuse of the site or of directory information.

Changes to these terms

We may update these terms as the site changes and will change the date on the page each time. If you keep using the site after a change, the updated terms apply.

General terms

If any part of these terms cannot be enforced, the rest still applies. If we do not enforce a part of these terms, we have not given up the right to enforce it later. These terms, with the privacy policy and the cookie policy, are the whole agreement between you and us about the site. Plans and website services sold to professionals may carry their own written terms.

Governing law and contact

These terms are governed by the laws of the State of Texas, without regard to its conflict of law rules. Any dispute about the site or these terms is heard in the state or federal courts located in Harris County, Texas, unless the law where you live gives you the right to bring it elsewhere.

Questions about these terms can go through the contact form. These terms are also available in Spanish. If the two versions differ, the English version controls.