MinMaxDoc · Financial education

Insights

Plain-English financial education, market perspective, and investing strategy — free for everyone.

Beginner to advanced Fresh insights weekly No paywalls

All real estate investing vnq reit dividend reit etf healthcare stocks monetary policy investing economic downturn interest rates inflation hedge fed policy index funds inflation protection

Latest Articles

Why most active funds underperform their index benchmarks

What a 'diversified' portfolio actually looks like

How compound interest actually works for retirement savings

Fed Watch: Decoding the Latest FOMC Statement

Analysis of the most recent Federal Reserve meeting, rate decisions, and forward guidance.

IPO Market Update: New Companies Coming to Market

Overview of recent and upcoming IPOs and what the pipeline tells us.

Economic Indicators This Week: Jobs, Inflation, and Your Investment Strategy

Breaking down recent economic data releases in plain English.

The Fidelity vs Vanguard vs Schwab Showdown: Which Broker is Best?

Detailed comparison of the three major discount brokers - fees, fund options, research tools, and which is right for different …

Consumer Staples vs Consumer Discretionary: Defensive vs Cyclical Investing

Understanding the two consumer sectors, when each performs best, and how to use them in portfolio construction.

1
2
3
4

Terms of Service

Last updated: May 6th, 2025

2.1 Acceptance & Eligibility

By accessing or using the Services, you agree to these Terms of Service ("Terms") and our Privacy, Cookie, and Security Policies. You must be 18 years or older and reside in the United States to create an account. If you do not agree, do not use the Services.

2.2 Description of Services

MinMaxDoc provides educational content, investment simulators, and algorithmic robo‑suggestions. We do not execute trades nor act as your broker, dealer, or fiduciary. All content is for informational and entertainment purposes only.

2.3 Account Responsibilities

You must provide accurate information, keep credentials confidential, and promptly notify us of unauthorized use. 2‑factor authentication is optional but strongly recommended.

2.4 Subscription Plans & Billing

Plans: Free, Plus, Pro, Ultimate. Details and current pricing appear on our Pricing page.

Billing Cycle: Monthly or annual, via Stripe. Fees auto‑renew until canceled.

Cancellation & Refunds: Cancel anytime in account settings; access continues until period end. All fees are non‑refundable.

2.5 User Conduct

You agree not to:

Violate laws or regulations.
Reverse‑engineer, scrape, or exploit the platform.
Use the Services for commercial advice without consent.
Upload malicious code or interfere with security.
Block or interfere with our analytics or advertising systems.

2.6 Analytics & Advertising

We use Google Analytics to analyze site usage and Google AdSense to display advertisements. By using our Services, you consent to:

Collection of usage data through Google Analytics
Display of personalized advertisements (if you opt-in)
Use of cookies and similar technologies for these purposes

You can manage your preferences for analytics and advertising through our consent management tool.

2.7 No Professional Advice & Risk Disclosure

The Services do not constitute investment, legal, or tax advice. Simulations and projections are hypothetical and not guarantees of future performance. Investing in securities involves risk, including loss of principal. You are solely responsible for decisions you make based on the Services.

2.8 Limitation of Liability

To the maximum extent permitted by law, MinMaxDoc is not liable for indirect or consequential damages or any loss arising from investment decisions. Our total liability shall not exceed the greater of (i) fees paid by you in the twelve months prior to the claim or (ii) $100.

2.9 Arbitration & Class‑Action Waiver

Any dispute shall be resolved by binding arbitration under JAMS rules in New York County, New York. You waive any right to participate in class actions. Either party may seek preliminary injunctive relief in court.

2.10 Intellectual Property

All content and software are owned by MinMaxDoc or its licensors. You receive a limited, non‑transferable license for personal, non‑commercial use.

2.11 Termination

We may suspend or terminate accounts for violation of these Terms. You may delete your account at any time.

2.12 Miscellaneous

Governing Law: New York, USA. Severability, No Waiver, and Entire Agreement clauses apply.

Contact: [click to reveal]

Privacy Policy

Last updated: May 6th, 2025

MinMaxDoc LLC ("MinMaxDoc," "we," "our," or "us") respects your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit MinMaxDoc.com and use our applications, tools, and services (collectively, the "Services").

1.1 Scope

This Privacy Policy applies to all visitors, users, and others who access the Services from within the United States. By using our Services, you agree to the collection and use of information in accordance with this policy.

1.2 Information We Collect

Category	Examples	Source
Personal Identifiers	Name, email address, postal address, phone number, date of birth	Provided by you during account creation or updates
Account Credentials	Username, hashed password, optional 2‑factor authentication secret	Provided by you
Financial Profile Data	Risk tolerance, investment goals, asset allocations entered into simulators	Provided by you
Usage Data	IP address, browser type, device ID, pages visited, actions taken	Collected automatically via Google Analytics and cookies
Cookie & Tracking Data	Unique cookie IDs, advertising identifiers, consent preferences	Collected automatically via cookies & pixels

We do not intentionally collect information from children under 13, and persons under 18 may not use the Services.

1.3 How We Use Information

We use information to:

Provide, maintain, and improve the Services—including investment simulators and personalized robo‑suggestions.
Personalize your experience and remember your preferences.
Process payments for Plus, Pro, and Ultimate subscriptions via Stripe.
Communicate with you about account matters, updates, and marketing (you may opt out any time via the account tab).
Monitor and analyze usage with Google Analytics to improve our services.
Display and measure the effectiveness of ads through Google AdSense (with your consent).
Detect, prevent, and address technical issues or fraud.

1.4 Sharing & Disclosure

We do not sell or rent your personal information. We may share it:

With Service Providers (e.g., Google Cloud Platform hosting, Stripe payments, email delivery partners) who process data on our behalf under contracts requiring confidentiality.
With Google Analytics and Google AdSense to analyze site usage and display relevant advertisements (with your consent).
With Affiliates for internal business purposes consistent with this Policy.
For Legal Reasons if required by law, subpoena, or to protect rights, safety, or property.
In Business Transfers if we merge, acquire, or sell assets, in which case users will be notified.

1.5 Data Retention

We retain personal information while your account is active and for two (2) years after account deletion, after which we delete or anonymize it unless retention is required by law. Analytics data is retained according to Google's data retention policies.

1.6 Your Choices & Rights

Account Data: Review, correct, or delete via account settings.
Marketing Opt‑out: Toggle email preferences in the account tab or click "unsubscribe" in any marketing email.
Cookies & Analytics: Manage your preferences through our consent management tool.
Ad Personalization: Control your ad preferences in your account settings.
Do‑Not‑Track: Our Services currently do not respond to browser DNT signals.
California Residents: You may request access to or deletion of personal data (CCPA). Email [click to reveal] with subject "CCPA Request."

1.7 Security

We use SSL/TLS encryption, hashed passwords, and other safeguards; see our Security Policy.

1.8 Changes to This Policy

We may update this Policy periodically. Material changes will be posted here with a revised date and, if significant, we will notify you by email.

1.9 Contact Us

MinMaxDoc LLC
Cherokee Station PO Box 20321
New York, NY 10075
Email: [click to reveal]

Cookie Policy

Last updated: May 6th, 2025

3.1 What Are Cookies?

Cookies are small text files stored on your device by your browser. We also use similar technologies (pixels, local storage) (collectively "cookies").

3.2 Cookies We Use

Category	Purpose	Examples
Essential	Site login, session management, security	sessionid, csrftoken
Analytics	Understand site usage, improve features	Google Analytics (_ga, gid)
Functional	Remember preferences (e.g., dark mode)	theme, risk_pref
Advertising	Measure Google Ads campaigns and display personalized ads	gads, gcl_au

3.3 Ad Personalization

We use Google AdSense to display advertisements on our website. These ads may be personalized based on your browsing behavior and interests. You can control your ad preferences through our consent management tool.

3.4 Your Choices

By using the site, you consent to essential cookies.
You can manage your preferences for analytics and advertising cookies using our consent management tool.
You can delete or block cookies via browser settings. Essential cookies are required for core functionality.
Opt-out of Google Analytics with the Google Analytics Opt-out Browser Add-on.
We currently do not respond to "Do Not Track" signals.

3.5 Updates

We may update this Cookie Policy; check the "Last Updated" date.

Questions: [click to reveal]