1. Acceptance of Terms
By accessing and using sptws.com ("the Website"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Website.
2. No Affiliation Disclaimer
This website is not affiliated with, endorsed by, sponsored by, or in any way officially connected with J.L. Collins, the author of "The Simple Path to Wealth."
The content on this Website is an independent summary and interpretation of concepts from the book. The views, opinions, and recommendations expressed are those of the Website's creator and do not represent the views of J.L. Collins or any publisher.
"The Simple Path to Wealth" is a trademark of its respective owner. All references to the book are for informational and educational purposes only.
3. Educational Purpose Only
The content provided on this Website is for educational and informational purposes only. It does not constitute financial advice, investment advice, tax advice, or legal advice.
You should not make any financial decisions based solely on the information provided on this Website. Always consult with qualified professionals (such as certified financial planners, tax advisors, or attorneys) before making financial decisions.
4. No Guarantees
While we strive to provide accurate information:
- We make no guarantees about the accuracy, completeness, or reliability of any content
- Past performance of investments does not guarantee future results
- The 4% rule and other concepts discussed are based on historical data and may not apply to future conditions
- Investment values can go down as well as up
5. Use of Content
You may use the content for personal, non-commercial purposes. You may not:
- Reproduce, distribute, or republish content without permission
- Use the content for commercial purposes
- Misrepresent the source of the content
6. Third-Party Links
The Website may contain links to third-party websites (such as book retailers, fund provider pages, or external resources). We are not responsible for the content, accuracy, or practices of these external sites.
7. Analytics and Tracking
We use privacy-friendly analytics (Seline) to understand how the Website is used. This helps us improve the content and user experience. We also use Vercel Speed Insights to monitor performance. See our Privacy Policy for more details.
8. Changes to Terms
We reserve the right to modify these Terms of Use at any time. Continued use of the Website after changes constitutes acceptance of the updated terms.
9. Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any damages arising from your use of the Website or reliance on any information provided.
10. Contact
If you have questions about these Terms, please contact us at hey@notacompany.com.
Last updated: January 5, 2026