These terms and conditions apply specifically to Weiss Cryptocurrency Portfolio (WCP). Due to the unique nature of cryptocurrencies, they may differ from those that apply to other Weiss Ratings products and services.
Automatic renewal: Unless you are a member of our lifetime membership service, your subscription will continue for the initial term of the subscription (the “Initial Term”). We will notify you ahead of time when it is coming up for renewal, we will give you the opportunity to respond, and unless you tell us not to, we will renew automatically at the end of the Initial Term for successive Renewal Terms, as outlined in our Cancellation/Termination Policy.
As described in the initial subscription process, as part of the Automatic Renewal process the then-applicable subscription term renewal fee will be billed to the credit card you designated during the subscription process (or subsequently changed). As a convenience to its users, Weiss Ratings subscribes to a third party service wherein if your payment details change your credit card provider may provide updated card information. We may use this new information for your future subscription payments ("Account Updater"). However, you will receive a full refund of your renewal subscription fee if you cancel within 30 days of your subscription renewal.
Refund policy: You may remove the benefit of automatic renewal by notifying our Customer Service Department. If you have subscribed for more than one year, you may also cancel the second, third, fourth (etc.) year of your subscription. However, your first-year subscription fee is not refundable.
Two options you do have: If recommendations provided in WCP cannot achieve 1,000% profits or better in the first year, let us know and, if you wish, we will extend, at no additional cost, your subscription for an additional year beyond your current expiration date.
Alternatively, if you are dissatisfied with WCP or with cryptocurrency investing for any reason, let us know and we will give you a credit for the unused balance of your subscription fee. We will then apply that credit to the subscription of another Weiss Ratings service that may better suit your needs. (Note: If we’ve sent you our cryptocurrency gift by that time, your credit will be less the amount of the free cryptocurrency gift. More on this next.)
Free cryptocurrency: We will buy you the amount of cryptocurrency we promised you in your welcome package as a welcome gift. This gift is not a part of the WCP strategy and should not be construed as a recommendation or endorsement of any particular currency. It’s strictly a premium for subscribing and our way of welcoming you as a subscriber.
To receive this gift, email us with your first and second preference a cryptocurrency. (Or if you don’t contact us, our Customer Service representative will reach out to you. ) We will then do our best to accommodate your preference of cryptocurrency. But we reserve the right to send you the promised amount in one of the most widely used cryptocurrencies, so you can convert later it as you wish.
The promised amount of cryptocurrency represents our total cost for this purchase, including transactions costs. Therefore, the net amount you receive may be smaller.
We anticipate you will receive this gift within about 30 days after you sign up for WCP. But please recognize that we cannot guarantee the delivery date or the exact value it will have when it lands in your wallet.
Backtested results: The overall results discussed in our materials are based on backtesting with historical data that makes several assumptions, including the following: (1) A start date of January 2, 2017. (2) Weekly rotation among the five cryptocurrencies with the highest rankings as determined by the Weiss Cryptocurrency Ratings model. (3) After each profitable trade, taking one-third of that trade’s proceeds off the table and placing it in a cash reserve, not to be reinvested. (4) Continuing this strategy until the most recent update, as cited in our materials.
Other variations of our trading model were also tested, varying the number of cryptocurrencies in the portfolio and the frequency of each review. When the strategy was tested with just four, three or two top-ranked cryptocurrencies in the portfolio, the results were significantly better. When it was tested rotating the portfolio daily instead of weekly, the results were vastly better. We made every effort not use 20-20 hindsight to create the Weiss Cryptocurrency Ratings. And we did not choose the trading model with the highest return. Rather, we selected the trading approach that’s the easiest to follow, while providing the best balance of profit potential and reduced risk.
The test period includes the unusual rise in the cryptocurrency market from January through mid-December of 2017 as well as the unusual decline in the market from mid-December 2017 through mid-December 2018. These ups and downs may not be typical. Investors should also recognize that backtesting based on historic data has several limitations. For example, it does not include transaction fees. It does not account for the fact that investors don’t always get the prices they expect. Nor is it possible to completely eliminate the benefit of hindsight.
We do not follow our trading model blindly. We make needed adjustments to adapt to market conditions. For example, when Weiss Cryptocurrency Portfolio was first launched on March 1, 2018, we anticipated the real possibility of severe declines in Bitcoin and other cryptocurrencies. Therefore, we made the decision to maintain a large allocation to cash and avoid active trading until market conditions improved, helping to limit losses. On March 1, 2018, Martin D. Weiss opened a personal account with $100,000 to follow all recommendations made in the Weiss Cryptocurrency Portfolio service, with at least a 24-hour delay. On December 15, 2018, at the bottom of a severe one-year bear market in Bitcoin, the portfolio had lost 43.8%. By contrast, during the same period, we calculate that a $100,000 hypothetical portfolio equally allocated to the top 50 cryptocurrencies would have declined by 81.2%, or nearly two times more. Subsequently, in 2019, several cryptocurrencies in Dr. Weiss’s portfolio enjoyed very substantial percentage gains. However, subscribers should be aware that there are two key differences between Dr. Weiss’s personal portfolio and the Weiss Cryptocurrency Portfolio (WCP) performance data cited above: (1) His personal portfolio began in March of 2018, while WCP’s performance is calculated based on historical data from January of 2017. (2) His personal portfolio can often be at a disadvantage due to its self-imposed 24-hour delay in executing trades.
No non-native tokens. WCP recommends strictly digital assets that are, or are intended to soon be, “native coins.” This is the technical term to describe cryptocurrencies like Bitcoin, Ethereum, Cardano, EOS, NEO, Holochain and others, which have, or will soon have, their own distributed ledger based on Distributed Ledger Technology (DLT). However, we do not recommend the thousands of digital assets that are called “non-native tokens.” These are digital assets that do not have, or will not have, their own distributed ledger. Instead, these reside, and are intended to continue residing, on the distributed ledger of another cryptocurrency, such as Ethereum, NEO or EOS.
Strict Independence: Weiss Ratings does not accept any form of compensation from creators, issuers or sponsors of cryptocurrencies. Nor are the Weiss Cryptocurrency Ratings intended to endorse or promote any specific cryptocurrency. We stand ready to provide technical support to help you set up your accounts, but we do not provide customized advice that’s tailored to your individual circumstances. It’s always up to you to decide what to trade, when to trade, how much to invest and whether or not to invest at all to begin with. No matter how attractive a profit opportunity may be, don’t act in haste. Take whatever time you need to make an informed decision that you believe is right for you and your family.
Risk: Cryptocurrencies carry a high degree of risk. The SEC, CFTC and other regulators have expressed concerns with the volatility of the market and the actions of sponsors of specific cryptocurrencies. So be sure to review their official consumer alerts, especially the SEC’s “Statement on Cryptocurrencies and Initial Coin Offerings” as well as the CFTC’s “Customer Advisory: Beware Virtual Currency Pump-and-Dump Schemes.”
In addition, any kind of trading, whether in foreign currencies, commodities or securities (including, without limitation, stocks, options, warrants, ETFs, mutual funds, and bonds) is considered speculative and involves risk of loss and volatility. Although our services make every effort to protect your principal, you can lose money. Therefore they are not for all of your funds. If your goal for a certain portion of your funds is strictly capital preservation, we believe you should invest those funds in conservative investments such as short-term US Treasury securities or equivalent. For more information on prudent investing, see also the information available at the websites of the Securities and Exchange Commission at www.sec.gov and the Financial Industry Regulatory Authority at www.FINRA.org. Any money you allocate to speculative investments should be strictly the money you can afford to risk without jeopardizing your daily life, and without negatively impacting your plans for education, retirement, or long-term care.
Weiss Ratings is a publisher. Weiss Ratings, Inc. is strictly a financial ratings and research publishing firm (a publisher) and does not provide individual investment advice to its subscribers. Weiss Ratings is not an investment advisor, money manager or a registered securities broker/dealer.
Our ratings represent our opinion: The information we publish is based on our ratings plus our statistical and financial data and independent research. Our ratings are the result of data collection and analysis by what we believe to be a sophisticated and rigorous computer model. However, the manner in which we construct that model is based on our view of the world. As such, a rating is, ultimately, the expression of our opinion. If we give a particular cryptocurrency an “A” (“excellent”), it doesn’t meant that the grade represents an absolute truth. It means that, in our opinion, the cryptocurrency has a achieved an excellent balance among the factors we deem to be important, including the relevant risk, reward, technology, and adoption.
Not personal: Although we make every effort to provide the most accurate and updated information possible, our information cannot take into consideration your personal finances and goals, and therefore is not intended to be used as customized recommendations to buy, hold, or sell investments, or to engage in any trading strategy, or that an investment strategy is suitable for any specific person. Such recommendations may only be made by a personal advisor or broker you select.
None of the creators, editors and providers of, or contributors to, WCP or their affiliates will advise you personally concerning the nature, potential, value or suitability of any particular cryptocurrency, security, portfolio of cryptocurrencies or securities, transaction, investment strategy or other matter. Accordingly, do not attempt to contact them seeking personalized investment advice which they cannot provide.
The views expressed in the WCP are the authors’ own opinions. It may contain opinions from time to time with regard to securities or investments in other services, and those opinions may be different from the ones obtained in WCP.
Our data sources: Unlike the data available on issuers of stocks and bond bonds, data in the cryptocurrency world is not scrutinized by auditors, regulators and exchanges. So although we make every effort to verify and “clean” the data we receive or collect, you should be aware that can sometimes be less reliable than data we use to create our ratings on other investments, such as stocks, ETFs and mutual funds.
Qualitative factors converted into quantitative metrics: When evaluating Distributed Ledger Technology, there is no hard and fast rule for which particular feature is important and which one is not. One analyst’s opinion could be different from another’s. Thus, to build an objective model and help control for bias, we have developed what we call a “query tree” – a hierarchical series of questions about what we consider to be each major feature, and then, about each critical aspect of that feature. With these, each cryptocurrency earns or loses points, which then are compiled into what we call the Technology Index. Bear in mind, however, that the Technology Index is just one out four indexes in our Weiss Cryptocurrency Ratings model. For more information on the Weiss Cryptocurrency Ratings model, go here.
We believe our data sources and approaches are rigorous and objective. But we cannot always verify the accuracy of the data independently. Therefore, we cannot assure you that the information is accurate or complete. Nor do we guarantee the success of any investment decision you may make using our ratings, data, information, or recommendations.
Performance Tracking. To help give investors a model to refer to, Dr. Martin D. Weiss will follow the same recommendations as made in WCP with the following critical difference. He will wait at least 24 hours before executing each trade. And sometimes, depending on market conditions, he may wait longer. Due to the differences in timing and the prices he gets, his results will naturally differ from those of subscribers. The results each subscriber achieves may differ depending on the actual prices paid or received and the commissions paid.
Profit illustrations: Examples of potential performance returns which we cite may sometimes be based on simulated — not actual — trades, assuming entry and exit prices that could have been obtained during regular market conditions. These entry and exit prices calculated do not reflect or include costs of spreads, market delays, or fees and commissions. Similar returns may or may not be actually achieved by subscribers.
While every effort is made to evaluate the actual experience of subscribers, performance figures must be considered hypothetical, and past results are no guarantee of future performance. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under- or over-compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown.
References to examples of past performance are not intended to provide a total picture of portfolio results. Your results may vary considerably depending on a series of factors, including: (a) when you begin or cease investing, (b) which recommendations you choose to act on, (c) how much money you choose to invest in each recommendation, (d) the specific prices you get, (e) the commissions you pay, (f) the interest income you earn on uninvested funds, and (g) the number and magnitude of losing or winning trades you experience. Past results are not necessarily indicative of future performance.
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Miscellaneous: The Services are directed solely to individuals residing in the United States. We make no representation that materials provided through the Services are appropriate or available for use in other locations. Those who choose to access the site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Services to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service that we provide. You accept that Weiss Ratings has the right to change the content or functionality of any aspect of the Service at any time at Weiss Ratings sole discretion. You further accept that such changes may result in your being unable to access some or all services.
Severability of terms: If any provision of the terms is found invalid or unenforceable, that provision will be enforced to the maximum extent, and the other provisions of this Agreement will remain in force.
Changes to the Terms of Condition and Use of Our Services: We reserve the right at any time to:
Any changes we make to the use of our Service will be effective immediately after we post the modified Use of Service on Weissratings.com. In the event that you have the Use Of Service cached on your browser, the Use Of Service that applies to you is the most recent version of the Use of Service that appears on a non-cached browser. In addition, if a Service is added or removed, or the terms of their engagement has changed, the Use of Service may be modified with respect to such Service. You should check our Use Of Our Service frequently.
Agreement in entirety: The terms are the entire agreement between you and Weiss Ratings.
ACKNOWLEDGEMENT AND AGREEMENT
Not withstanding any other agreement or other communications between Weiss Ratings and you to the contrary, receipt or use of any material provided by Weiss, at any time and through any means, whether directly or indirectly, represents acknowledgement by such person of this disclaimer and agreement with its terms and conditions.
Acceptance of Terms and Conditions of Service: You represent that you have read and agree to be bound by the terms and conditions of service of Weiss Ratings. You further agree to comply with U.S. law regarding the transmission of any data obtained from the Service (as defined herein) in accordance with the terms, not to use the Service for illegal purposes, and not to interfere or disrupt networks connected to the Service.