Legal Disclosure and Disclaimer


Nothing on this site, or supported documents, should  constitute a solicitation to Buy or Sell any security, but rather is for  informational purposes only. Content contained herein includes facts, views,  opinions and recommendations of individuals and organizations deemed of  interest. Ludlow Consulting, LLC ("Ludlow") does not guarantee the accuracy,  completeness or timeliness of, or otherwise endorse these views, opinions or  recommendations, or give investment advice. Ludlow, its affiliates, or  directors, may or may not hold a position in the above security from time to  time, and investors are encourage to consider this as a possible conflict of  interest when reviewing this information. In Compliance with SEC Rule 17B Ludlow  may be compensated by companies featured on this website, and thus should be  considered a possible conflict of interest when reviewing this report and  information. Ludlow, or its affiliates, may hold a position in above securities  from time to time, and thus should be considered a possible conflict of interest  when reviewing this report and information. These investments may involve a high  degree of risk, thus investors are highly encouraged to consult with a financial  advisor before any and all investments.

Compensation details  for any individual company is publicly available on each report page, document, or  file.

Safe Harbor Statements:  This website includes statements that may constitute forward-looking  statements made pursuant to the safe harbor provisions of the U.S. Private  Securities Litigation Reform Act of 1995. Although the Company believes that the  expectations reflected in such forward-looking statements are based on  reasonable assumptions, such statements are subject to risks and uncertainties  that could cause actual results to differ materially from those projected.

Forward-Looking Statements: This website, and research opinions, contain certain  statements that may be deemed "forward-looking" statements. Forward looking  statements are statements that are not historical facts and are generally, but  not always, identified by the words "expects", "plans", "anticipates",  "believes", "intends", "estimates", "projects", "potential" and similar  expressions, or that events or conditions "will", "would", "may", "could" or  "should" occur. Although the Company believes the expectations expressed in such  forward-looking statements are based on reasonable assumptions, such statements  are not guarantees of future performance and actual results may differ  materially from those in forward looking statements. Forward looking statements  are based on the beliefs, estimates and opinions of the Company’s management on  the date the statements are made. Except as required by law, the Company  undertakes no obligation to update these forward-looking statements in the event  that management’s beliefs, estimates or opinions, or other factors, should  change.

High Risk:  Small and Micro cap ('penny stocks'), and cryptocurrencies, involve a high degree of  risk, and we highly encourage investors to consult with a financial advisor  before making any and all investment decisions when investing in these type of  securities.

What does it mean to be an accredited investor?

Under the federal securities laws, a company or private fund may not offer or sell securities unless the transaction has been registered with the SEC or an exemption from registration is available. Certain securities offerings that are exempt from registration may only be offered to, or purchased by, persons who are accredited investors. One principal purpose of the accredited investor concept is to identify persons who can bear the economic risk of investing in these unregistered securities. Unlike offerings registered with the SEC in which certain information is required to be disclosed, companies and private funds, such as a hedge fund or venture capital fund, engaging in these exempt offerings do not have to make prescribed disclosures to accredited investors. These offerings, sometimes referred to as private placements, involve unique risks and you should be aware that you could lose your entire investment. The SEC recently adopted rules to permit general advertising for certain exempt offerings.

Are you an accredited investor?

An accredited investor, in the context of a natural person, includes anyone who:

  • earned income that exceeded $200,000 (or $300,000 together with a spouse) in each of the prior two years, and reasonably expects the same for the current year, OR
  • has a net worth over $1 million, either alone or together with a spouse(excluding the value of the person’s primary residence).

On the income test, the person must satisfy the thresholds for the three years consistently either alone or with a spouse, and cannot, for example,satisfy one year based on individual income and the next two years based on joint income with a spouse. The only exception is if a person is married within this period, in which case the person may satisfy the threshold on the basis of joint income for the years during which the person was married and on the basis of individual income for the other years. In addition, entities such as banks, partnerships, corporations, nonprofits and trusts may be accredited investors. Of the entities that would be considered accredited investors and depending on your circumstances, the following may be relevant to you:

  • Any trust, with total assets in excess of $5 million, not formed to specifically purchase the subject securities, whose purchase is directed by a sophisticated person, or
  • Any entity in which all of the equity owners are accredited investors.

In this context, a sophisticated person means the person must have, or the company or private fund offering the securities reasonably believes that this person has, sufficient knowledge and experience in financial and business matters to evaluate the merits and risks of the prospective investment.