addressalign-toparrow-leftarrow-rightbackbellblockcalendarcameraccwcheckchevron-downchevron-leftchevron-rightchevron-small-downchevron-small-leftchevron-small-rightchevron-small-upchevron-upcircle-with-checkcircle-with-crosscircle-with-pluscontroller-playcredit-cardcrossdots-three-verticaleditemptyheartexporteye-with-lineeyefacebookfolderfullheartglobe--smallglobegmailgooglegroupshelp-with-circleimageimagesinstagramFill 1launch-new-window--smalllight-bulblinklocation-pinm-swarmSearchmailmessagesminusmoremuplabelShape 3 + Rectangle 1ShapeoutlookpersonJoin Group on CardStartprice-ribbonprintShapeShapeShapeShapeImported LayersImported LayersImported Layersshieldstartickettrashtriangle-downtriangle-uptwitteruserwarningyahoo

Mailing List Archive

Subject Sender Date
Market Announcements for This Week - This is going to be another volatile week, check out the announcements that are going to be big market movers. http://hotstocksforincome.com/­market-announcements-727-731/ virginia c. Jul 28, 2015 11:33 AM
Saturday webinar - Join us this Saturday for a webinar! Our team will be covering broad market analysis, and outlining hot market trends or related stocks of interest - and providing a description of why a company may capture our attention. Students will also begin to se virginia c. Jul 27, 2015 11:29 AM
Learn all you need to know to trade the markets - One of the most important things when trading the markets is to know what your goals are. You need to have goals set so that you can plan your trades accordingly to those goals. You must manage your risk properly and do you due diligence. Tradi virginia c. Jul 22, 2015 11:33 AM
Market Update - For All Those Traders Out There - Here is the Market Watch for This Week! http://hotstocksforincome.com/­market-watch-720-725/   virginia c. Jul 21, 2015 10:53 AM
Retire at an Early Age - Retire at an Early Age By Bruce E Dinger, CEO, Kennsei Trading Inc. www.hotstocksforincome.com Retire at an early age is within your reach. A solid focus on investing in Real Estate, The Financial Ma virginia c. Jul 6, 2015 9:37 AM
Organics! - Kennsei Trading July Newsletter http://conta.cc/1Jx65gl Full report on Organics will be on www.hotstocksforincome.com Don't forget to check it out! virginia c. Jul 1, 2015 10:20 AM
Hot Stocks for Income with Bruce Dinger - Bruce Dinger is the Host of “Hot Stocks for Income with Bruce Dinger”. He aims to open your eyes to a different way of looking at the stock market. His goal is simple: to make you a more educated investor. What makes Bruce an exceptional tr virginia c. Jun 10, 2015 10:04 AM
Stock Report - Check out the latest stock report! http://hotstocksforincome.com/­stock-report-ubnt/ If you are not a member you can sign up to receive the PDF version and get It sent to you virginia c. Jun 9, 2015 11:01 AM
Urgent: Only One More Day Left - There is only one more day left to sign up for our special promotion! You will have access to our private community where all access to the On-Demand sessions are stored for viewing. We host a Saturday webinar that is LIVE and the students are virginia c. May 28, 2015 11:11 AM
Saturday webinar - Please register for Saturday Live Webinar on May 23,[masked]:00 AM PDT at: https://attendee.gotowebinar.c­om/register/741984348039769088­2 This webinar Bruce Dinger will go over basic option strategies, to the most advanced option strateg virginia c. May 20, 2015 11:09 AM
Major Market Movers - Check out our blog at www.hotstocksforincome.com to see who the major movers of the market are for this week. virginia c. May 19, 2015 11:52 AM
Hot Stock Report - Interested in getting hot stock reports with the full fundamentals? Go to http://hotstocksforincome.com/­under-armour-stock-report/ Once subscribed you will get a new virginia c. May 18, 2015 11:45 AM
Special Promotion - Check out our Special Promotion posted for a limited time only. This offer will end May 29th and will not be back. Check out the upcoming Meetups to see what you will get! virginia c. May 14, 2015 11:51 AM
Veeva Update - Did you enjoy the report about VEEVA we sent out last month? If you downloaded this report, check out the blog on www.hotstocksforincome.com for an update to watch out for on this stock. virginia c. May 13, 2015 11:51 AM
Special Promotion - Thank You for the interest in this Special Promotion! We are offering all that is described below for $997.00. If you are interested please email me at [address removed] to get more i virginia c. May 11, 2015 11:53 AM
May Newsletter - Kennsei Trading May Newsletter http://conta.cc/1EScbnV virginia c. May 4, 2015 11:58 AM
A Cloud Based Company: VEEVA - http://hotstocksforincome.com/­veeva-hot-stock-report/ It takes a lot of time to do the fundamental research on a company. So we have done it all for you. Download this virginia c. Apr 30, 2015 11:18 AM
Downloadable Hot Stock Report - http://hotstocksforincome.com/­veeva-hot-stock-report/ It takes a lot of time to do the fundamental research on a company. So we have done it all for you. Download this virginia c. Apr 29, 2015 11:27 AM
PDF Hot Stock Report - http://hotstocksforincome.com/­veeva-hot-stock-report/ It takes a lot of time to do the fundamental research on a company. So we have done it all for you. Download this virginia c. Apr 28, 2015 11:19 AM
Stock Report - Click this link to get access to a complementary stock report, download it straight to your computer. http://hotstocksforincome.com/­veeva-hot-stock-report/ virginia c. Apr 23, 2015 10:38 AM
Trading the Markets - Please register for Trading the Markets on Apr 25,[masked]:00 AM PDT at: http://hotstocksforincome.com/­option-webinar/ www.hotstocks virginia c. Apr 21, 2015 11:22 AM
Key Pivot Points - Dear Traders, How do you spot the KPP's (Key Pivot Points)? Watch This short Video on KPP's https://www.youtube.com/watch?­v=-Lelgv_q7qE&feature=yout­u virginia c. Apr 20, 2015 10:42 AM
Hedging with Options - Help control your loss and protect your portfolios. Watch this short video on Hedging with Options below. https://www.youtube.com/watch?­v=SrUVp3rNeG0&feature=yout­u.be virginia c. Apr 16, 2015 11:30 AM
Fibonacci Retracements - Know the stocks your in, learn more about Fibonacci Retracements. Watch This short Video on Fibonacci Retracements https://www.youtube.com/watch?­v=vxXz2x6B51A&feature=yout­u.be virginia c. Apr 15, 2015 11:17 AM
Candlestick Charting - Dear Traders, How do you determine if the markets are bullish or bearish? Watch this short video on Candlestick Charting below. https://www.youtube.com/w virginia c. Apr 13, 2015 11:35 AM
Always Be Selling - How do you reduce your TCOT (Total Cost of Trade)? Watch this short 3 minute video to get insight. https://www.youtube.com/watch?­v=9TbggClyMrY&feature=yout­u.be Become a member at www.hotstocksforincome.com to get the reports virginia c. Apr 8, 2015 11:11 AM
Broad Market Analysis - The overall conditions of the market or sectors have a tremendous effect of individual stock price. Being aware of the overall market conditions is critical. Before you make a decision in investing in a stock, be sure to check the BMA (Broad Market Ana virginia c. Apr 7, 2015 11:23 AM
Ascending Triangle - Ascending Triangle A bullish chart pattern used in technical analysis that is easily recognizable by the distinct shape created by two trendlines. In an ascending triangle, one trendline is drawn horizontally virginia c. Apr 6, 2015 11:49 AM
Stock Market About to Make Another Big Move - The Stock Market is About to Make Another Big Move! http://hotstocksforincome.com/­stock-market-about-to-make-ano­ther-big-move/ Enjoy this short art virginia c. Mar 26, 2015 11:45 AM
Stock Market About to Make Another Big Move - The Stock Market is About to Make Another Big Move! http://hotstocksforincome.com/­stock-market-about-to-make-a…/­ Enjoy this short article and 6 minute video to give you insight! virginia c. Mar 26, 2015 11:19 AM
Trading a Volatile Market - http://hotstocksforincome.com/­option-webinar/ Please register for Trading a Volatile Market on Mar 28,[masked]:00 AM PDT at: virginia c. Mar 25, 2015 10:59 AM
Don't Miss this Opportunity - If you have not yet signed up for the upcoming Option Trading Workshop, there is still time! If you have RSVP for the upcoming Option Trading Workshop but have not yet paid the $20.00 fee to attend click the link below. You can join us virginia c. Feb 19, 2015 11:53 AM
Power Trading Workshop - We are inviting you to sign up for our upcoming Powerful Option Trading Workshop. This workshop will be held on two different days, Thursday February 26 and Friday February 27th. You can choose the date and time that works best for your virginia c. Feb 17, 2015 11:04 AM
Poweful Option Workshop - We are inviting you to sign up for our upcoming Powerful Option Trading Workshop. This workshop will be held on two different days, Thursday February 26 and Friday February 27th. You can choose the date and time that works best for your virginia c. Feb 12, 2015 11:40 AM
Option Trading Workshop - Option Trading Workshop on Feb. 26th and 27th. Everyone who registers and attends will receive a free PDF on how to successfully outline a trade. Click Link Below For Details virginia c. Feb 10, 2015 11:25 AM
Traders' Roundtable - Please register for Traders' Roundtable on Jan 15,[masked]:30 AM PST at: https://attendee.gotowebinar.c­om/register/705940927237486566­6 This will be an open forum. No set topic other than to review any positions or trades under considera virginia c. Jan 12, 2015 12:15 PM
The Power of Options Starts Jan 10 - Start 2015 off with learning to trade options. You will learn from the best at Kennsei Trading, Bruce Dinger has been in the markets for over 3 decades and has been teaching other traders for over a decade. He knows how to trade the market whether it g virginia c. Jan 7, 2015 11:51 AM
Buy on the dips or run for the hills - Bruce E Dinger, Private Wealth Manager, Kennsei Trading, Inc. So the market drops over 330 points - is that a buying opportunity or time to sit the market out? Before you can attempt to answer that question, you must understand the basis for t virginia c. Jan 6, 2015 11:33 AM
One Company Big Money - Focus on this one Company could put big dollars in your pocket over the next 89 days become a member for www.HotStocksforIncome.com and find out who it is. This Company recorded over ten fold increase in sales during the first ten months of its operati virginia c. Jan 5, 2015 11:31 AM
Happy New Year 2015 - Hope you all had a great year as we are on to new beginnings for 20 virginia c. Dec 31, 2014 12:06 PM
Who will Interpret all that DATA? - Looking for hot stocks to buy for 2015? We have made our success by spotting and following market trends. We like companies that are in the midst of the next evolution, lead by solid leadership, with an executable clear plan. We have sp virginia c. Dec 31, 2014 10:13 AM
2015 - Visit www.hotstocksforincome.com- one stop stock resource team Start 2015 off with learning to trade options. You will learn from the best at Kennsei Trading, Bruce Dinger has been in the markets for over 3 decades and has been teaching other t virginia c. Dec 30, 2014 10:00 AM
Join Us Today - Start 2015 off with learning to trade options. You will learn from the best at Kennsei Trading, Bruce Dinger has been in the markets for over 3 decades and has been teaching other traders for over a decade. He knows how to trade the market whether it g virginia c. Dec 29, 2014 10:42 AM
Merry Christmas - Visit our website hotstocksforincome.com This is a great tool to have going into 2015. We discuss stocks and techniques, visit our blog and become a member to get full access to all the information. Merry Christmas! Hope all have a wond virginia c. Dec 24, 2014 11:57 AM
Holiday Trading Party - Anyone that is interested in attending the event tomorrow at 2PM, MUST register and pay the $5.00 cover charge.....there will be NO walk-ins allowed.  Seating is limited and we need to plan in advanced...just like trading. Dinger Dec 21, 2014 11:20 PM
Holiday Trading Party - Anyone that is interested in attending the event tomorrow at 2PM, MUST register and pay the $5.00 cover charge.....there will be NO walk-ins allowed.  Seating is limited and we need to plan in advanced...just like trading. Dinger Dec 21, 2014 11:20 PM
Register to Attend - Powerful Price Patterns and Technical Analysis ( Part 3) Join us for a webinar on Dec 07,2014 at 10:00 AM PST Register Now! http://attendee.gotowebinar.co­m/register/7055181649217732609­ In the last several weeks we discus virginia c. Dec 3, 2014 10:42 AM
Are you ready for the next move - CASH FLOW Webinar – October 4th, 2014, Saturday at 10AM PST. You are invited to attend our Live Saturday session on October 4th, "Are you ready for the next move?" as a V.I.P. guest. Master Trader Dinger will cover the importance of virginia c. Oct 1, 2014 12:52 PM
Un Lock the Power of Cash Flow - Watch this video on understanding various market trends that will help you to create cash flow. Take advantage of the security breaches to put some money in your pocket. virginia c. Sep 25, 2014 1:36 PM
Defining a Change of Guard - Here is a short 4 minute video where we will highlight what we mean by a change of guard, where you will get explosive movement in a longer term ride. Click the link below to watch this video. virginia c. Sep 16, 2014 3:01 PM
Shifting to Money Flow for Quick Cash - Greetings!   Here is a short 5 minute video that gives you a quick look at what we are looking at this week. Click the link below to watch virginia c. Sep 16, 2014 11:56 AM
3 stocks poised for growth - CASH FLOW Webinar - September 13th, 2014, Saturday at 10AM PST. You are invited to attend our Live Saturday session on September 13th, Another Explosive Quarter, as a V.I.P. guest. Master Trader Dinger will be outlining 3 stocks pois virginia c. Sep 11, 2014 12:47 PM
Identifying Market Trends - This is a live webinar you don't want to miss!  We will discuss the importance of proper interpretation of news events and identifying market trends.  And of course, how to utilize the information to build tremendous WEALTH!  Come join us this Satur virginia c. Sep 4, 2014 12:57 PM
Scaling into a Trade - Watch this 5 minute video as Master Trader Dinger goes over the importance of scaling into a trade. https://www.youtube.com/watch?­v=0m69ne8xWZg&feature=yout­u.be virginia c. Sep 3, 2014 12:52 PM
Register for a Webinar Tomorrow - Register as a V.I.P. guest for this Saturday's webinar August 30th at 10 am PST. https://www2.gotomeeting.com/r­egister/831217474 . We will identify a few companies poised for EXPLOSIVE GROWTH. Master Dinger will be outlining stocks that's virginia c. Aug 29, 2014 11:02 AM
Outside the Charts - Register as a V.I.P. guest to this Saturday's webinar on August 30th at 10 AM PST. https://www2.gotomeeting.com/ register/[masked] . We will identify a few virginia c. Aug 27, 2014 10:04 AM
The Right Strategy at the Right Time - Register as a V.I.P. guest for this Saturday's webinar August 30th at 10 am PST. https://www2.gotomeeting.com/ virginia c. Aug 26, 2014 12:06 PM
Don't Overstay your Welcome - Register for this Saturday August 30th at 10 am PST as a V.I.P guest https://www2.gotomeeting.com/r­egister/831217474 Don’t overstay your welcome If virginia c. Aug 25, 2014 12:00 PM
Broad Market Analysis - www.ktcashflow.com Broad market analysis Taking a look at what is going on in the marketplace the charts are what matters, it’s the price action, that’s how we base virginia c. Aug 20, 2014 1:19 PM
3 Steps to Profit - https://www2.gotomeeting.com/r­egister/152025378 Join us as a V.I.P. guest this Saturday August 16th and attend virginia c. Aug 14, 2014 1:25 PM
Explosive Stocks -   Start making your money work for you instead of you working for your money. Gai virginia c. Aug 13, 2014 11:16 AM
Stocks Poised for Explosive Growth - You are invited as a V.I.P. guest, to attend our Live Saturday session on August 16th,2014 as we identify a few companies poised for EXLOPSIVE GROWTH.   Master Trader Dinger will be virginia c. Aug 12, 2014 11:43 AM
The Many Variations of the Diagonal Debit - You are invited to attend our Live Saturday session on August 9th , The Many Variations of the Diagonal Debit, as a V.I.P virginia c. Aug 6, 2014 12:26 PM
Join us this Satruday - Join us this Saturday at 10 am PST to discover stocks poised for explosive growth. https://www2.gotomeeting.com/r­egister/157001706 virginia c. Jul 31, 2014 12:27 PM
The Winning Recipe - Part of the Winning recipe BMA -  You want to look at the ove virginia c. Jul 24, 2014 12:13 PM
You are Invited - Join as a guest to our webinar on July 12th, 2014 at 10 am PST, this Saturday, as Chief Tr virginia c. Jul 10, 2014 12:02 PM
You are Invited as our V.I.P guest - Join as a guest to our webinar on July 12th, 2014 at 10 am PST, this Saturday, as Chief Trader Dinger sets up another explosive quarter as the market continues to break never before seen market highs. Register here: https://www2.gotomeeti virginia c. Jul 7, 2014 12:20 PM
Dont Forget to Register - Join as a guest to our webinar on July 12th, 2014 at 10 am PST as Chief Trader Dinger sets up another explosive quarter as the market continues to break never before seen market highs. Register here: virginia c. Jul 3, 2014 12:21 PM
Hot Stocks for Explosive Gains - Closing out positions and taking profits before going into the three day weekend. This is something you are not going to want to miss as chief trader dinger outlines hot stocks for explosive gain. Start the recording at 2:00 minutes. virginia c. Jul 2, 2014 9:43 AM
Come and Join Next Weekends Webinar - Join as a guest to our webinar on July 12th, 2014 at 10 am PST as chief Dinger sets up another explosive quarter. Register here: https://www2.gotomeeting.com/r­egi virginia c. Jun 30, 2014 10:39 AM
Cash Flow Webinar - Cash Flow Webinar, this Saturday June 28th at 10 AM PST. Click below to Register and join us as a V.I.P guest. https://www2.gotomeeting.com/r­egister/950135194 virginia c. Jun 26, 2014 12:48 PM
It's one thing to make it..another to keep it - Retirement Plans 401K Making a lot of money is one thing. Keeping it can be quite a challenge. We are all obligated to pay our share to Uncle Sam, but we also have every right to exercise our American right t virginia c. Jun 24, 2014 12:04 PM
Join us in a Webinar - Hey everyone, We are inviting you to a Free Webinar this Saturday June 21st at 10am PST-11am PST . If you would like to attend, you must register by clicking on this link: virginia c. Jun 19, 2014 10:58 AM
Newsletter and Tips - Don't forget to check out our newsletter for the Month of June. http://conta.cc/1mIt2wn Learn the Power of changing strategies in a market that reached new highs, a diagonal debit for protection in a virginia c. Jun 12, 2014 12:49 PM
Trading Tips -   Our belief is that with financial literacy, comes freedom. We teach virginia c. Jun 9, 2014 1:21 PM
Create MASSIVE WEALTH - You are invited to our upcoming webinar - Join us for an incredible power hour, where we will seek out more high-probability winners to create massive wealth!  You do not want to miss this webinar. Go to www.KTCashFlow.com and then visit the "Events" tab to register. Dinger Jun 4, 2014 5:41 PM
Check Out our May Newsletter - Kennsei Trading, Inc. May Newsletter http://conta.cc/1slDChS virginia c. May 7, 2014 11:23 AM
Don't miss key opportunities in the market - Come join us for a live webinar.  You can view this live webinar from anywhere in the World.  All you need is to be registered and log into the webinar from your own PC or MAC at 9:55AM PST.  Find out how Chief Trader Dinger interprets th virginia c. Apr 24, 2014 12:13 PM
Don't miss key opportunities in the market - Come join us for a live webinar.  You can view this live webinar from anywhere in the World.  All you need is to be registered and log into the webinar from your own PC or MAC at 9:55AM PST.  Find out how Chief Trader Dinger interprets th virginia c. Apr 24, 2014 12:06 PM
Saturday Webinar - Hey Traders and Investors, Come join us for a live webinar.  You can view this live webinar from anywhere in the World.  Al virginia c. Apr 23, 2014 12:19 PM
Join us tomorrow for a Webinar - https://www2.gotomeeting.com/r­egister/855991474 Come join us for a live webinar this Friday April 18, 2014 for the silent closing bell.  You can view this live webinar from anywhere virginia c. Apr 17, 2014 12:17 PM
Friday Silent Closing Bell Webinar - https://www2.gotomeeting.com/r­egister/855991474 Come join us for a live webinar.  You can view this live webinar virginia c. Apr 16, 2014 12:33 PM
Are you Interested in Learning the Markets? - Request a webinar or join us on Saturday at 10 am PST by emailing [address removed] Our chief trader has been in the markets trading for three decades and can make money no matter which way virginia c. Apr 14, 2014 1:40 PM
Great Seeing Everyone in Today's Webinar - Traders and Investors, It was great having you all on the call.  For those of you that missed today's webinar, go to www.KTCashFlow.com and click on "Contact" tab.  Enter the required information and in the message, put in "Please send record Dinger Apr 5, 2014 3:00 PM
Protect Your Portfolio While Building Massive Wealth - Be sure to attend tomorrow's webinar on how to protect your portfolio while building MASSIVE wealth. See you tomorrow morning! www.KTCashFlow.com Dinger Apr 4, 2014 9:40 PM
Trading Tips - Rules of the Trade -Set up a reward for achieving key milestones -Determine hours that best suit you for trading -Pay attention to any regular trends you note and make adjustments -NO distractions - NO exceptions -No trading at virginia c. Apr 2, 2014 10:51 AM
Bullish Pennant Pattern - Bullish Pennant Pattern A Bullish Pennant Pattern is a continuation pattern, usually o virginia c. Apr 1, 2014 11:23 AM
Thanks for Attending - It was great seeing all of you at  this Saturday's 1 Day Live Event, Learn How to Make Money Using Options. We want to take this opportunity to thank all of you who took the time to come out and join us. For those who� virginia c. Mar 31, 2014 11:11 AM
Registration now closed for 1 Day Live Event - We are looking forward to seeing everyone who has registered for tomorrows, Saturday March 29th, 1 Day Live Event "Learning How to Make Money Using Options." Registration is now closed, we have reached our max capacity. If you were not able to virginia c. Mar 28, 2014 5:40 PM
Last Day to Register - This is the last day left to register, you are not going to want to miss this! If you have not already RSVP for the 1 Day Live Event tomorrow  Saturday March 29th at 9am-4pm , in our San Jose Silicon Valley Office, it virginia c. Mar 28, 2014 11:24 AM
1 Day Left to Register - Only 1 day left to register you are not going to want to miss this! If you have not already RSVP for the 1 Day Live Event this Saturday March 29th at 9am-4pm virginia c. Mar 27, 2014 2:06 PM
1 Day Left to Register - Only 1 day left to register, this is a class you are not going to want  to miss! If you have not already RSVP for the 1 Day Live Event this Saturday March 29th at 9am-4pm , in our San virginia c. Mar 27, 2014 10:01 AM
Only a couple days left to Register - This is the Last Week to register, only 2 days left! If you have not already RSVP for the 1 Day Live Event this Saturday March 29th at 9am-4pm , in our San Jose Silicon Valley Office, it is still virginia c. Mar 26, 2014 11:43 AM
Come Learn to Make Money Using Options - This is the Last Week to register! If you have not already RSVP for the 1 Day Live Event this Saturday March 29th at 9am-4pm, in our San Jose Silicon Valley Office, it is still not to late. All you have to do is go to virginia c. Mar 24, 2014 10:46 AM
Come Learn to Make Money Using Options - There are only 9 days left including today to register for our 1 Day Live Event on Saturday March 29th from 9am-4pm, in our San Jose Silicon Valley Office. If you have not yet RSVP you and a guest go to www.KTCashfl virginia c. Mar 20, 2014 11:23 AM
Trading Myths - Myth 1: I need to understand every technical concept to be a good technical trader. Myth 2: It requires a lot of money to be a short-term technical trader. Myth 3: I like fundamentals so technicals don’t matter. Myth 4: Technical analysis and virginia c. Mar 19, 2014 12:58 PM
R.S.V.P. to Save your Spot - There is a couple weeks left to register for the 1 Day Live event here at our silicon val virginia c. Mar 18, 2014 11:23 AM
Harami Candlesticks -   Criteria For:  Bearish or Bullish Harami patterns: 1. Previous Trend - Oc virginia c. Mar 17, 2014 12:57 PM
Better Entries and Exits - Part 4 - Traders and Investors, We are glad that you all enjoyed last week's webinar.  These are typically available only to our private students, but for a limited time, we have opened up the invitation to a select group.  Be sure to Dinger Mar 15, 2014 8:36 AM
Better Entries and Exits - Part 4 - BEFORE you get the weekend started - as we approach the end of a long week....be sure to register for tomorrow's webinar with the link below.   We will continue our discussion from last week on "Better Entries and Exits": Traders and Investors, Dinger Mar 14, 2014 10:08 PM

People in this
Meetup are also in:

Sign up

Meetup members, Log in

By clicking "Sign up" or "Sign up using Facebook", you confirm that you accept our Terms of Service & Privacy Policy