Legal Disclaimer


The content provided on the Snowball Investing website is for informational purposes only, and investors should not take any information or other content as legal, tax, investment, financial, or other advice. I (Luke) am not a financial adviser or investment analyst. Nothing contained on Snowball Investing constitutes a solicitation, recommendation, endorsement, or offer by Snowball Investing or any third party service provider to buy or sell any securities or other financial instruments. Therefore, I am not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.

The information contained herein is based on the study and research of Luke Garagozlo (“the Authors”); and are merely the written opinions and ideas of the Authors, and is as such strictly for informational purposes and/or for study or research only.

Any use of the Snowball Investing website is at your own risk. You assume complete responsibility for all risk of financial loss resulting from your usage of any materials obtained from this website. This includes, but is not limited to, the business analysis reports, personal finance articles and investment related articles. You agree that Snowball Investing and Personal Finance will not be liable for damages arising out of your use or your inability to use this website, and you hereby waive any and all claims with respect thereto, and whether based on contract, tort or other grounds.

Everything on the Website, including the Products and articles of Snowball Investing and Personal Finance, are provided to you on an “as is” and “as available” basis, without warranty or condition of any kind. None of the affiliates, directors, officers, employees, agents, contributors, third party content providers or licensors of Snowball Investing and Personal Finance make any express or implied representation or warranty about its Content or any products and articles or Purchase Services referred to on the Website. The owner of Snowball Investing and Personal Finance accept no liability  for any infection by computer virus, bug, tampering, unauthorized access, intervention, alteration or use, fraud, theft, technical failure, error, omission, interruption, deletion, defect, delay, or any event or occurrence beyond the control of the owner(s), which corrupts or affects the administration, security, fairness and integrity or proper conduct of any aspect of this website.

Any content or information received on or via this website should not be relied on for important personal, financial or business decisions, and you should consult an appropriate professional for advice which is specifically tailored to your particular circumstances. Nothing in this website constitutes or shall be deemed to constitute an invitation to invest or otherwise deal in shares or securities. You acknowledge and understand that the owner of Snowball Investing and Personal Finance is not advising you in relation to the nature, potential, value or suitability of any particular asset or security, portfolio of assets or securities, transactions, investment strategy or other matter, and that no mention of a particular asset or security on this website constitutes a recommendation to buy, sell or hold that or any other asset or security. Content and information received via this website is supplied by sources believed to be reliable. However, calculations made using such data, and opinions expressed in relation to such data, are not guaranteed by these sources,

The owner reserves the right to change the content, presentation, performance, user facilities and availability of any part of this website, including this disclaimer, and you should check this disclaimer regularly for any changes.

Financial Calculators

The calculators and tools on this website are provided for informational purposes and are not intended as substitutes for professional advice.

Reasonable care has been taken in preparing and designing the calculators and tools; however, Snowball Investing provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or suggests you should follow a particular course of action.

Furthermore, these calculators are models and not predictions. Results are only estimates, and the calculations can have errors. Any actual amounts may be higher or lower. There are many other considerations such as changes in the economic environment which the models do not consider.

The calculators are not intended to be your sole source of information when making a financial decision. Consider getting advice from a licensed financial adviser before taking any course of action.

Specific to the purchasable reports

Do not interpret anything in these reports as financial or investment advice. These reports have been prepared by the author, Luke Garagozlo for informational & educational purposes only. The writing contains certain forward-looking statements and opinions which are based on the Author’s analysis of publicly available information believed to be accurate and reliable. Readers should conduct their own due diligence and research and make their own investment decisions.

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Snowball Investing and Personal Finance is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to

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