Andrew Constan and Nick Givanovic, 2graybeards.com, and 2 Gray Beards LLC are not investment advisors or securities brokers. All information provided herein is made to subscribers, investors and speculators in general strictly for informational and educational purposes without regard to their individual investment goals, financial circumstances, investment knowledge and abilities or personal attitudes toward investing or trading. Investors can and do lose money from investments.
Options involve substantial risk and are not suitable for all investors. YOU have 100% risk in all investments.
By agreeing to these Terms of Services you agree to release and hold Mr. Andrew Constan and Mr. Nick Givanovic, 2graybeards.com, and 2 Gray Beards, LLC completely harmless from any and all losses that may occur for any reason or cause including negligence on the part of Mr. Constan and Mr. Givanovic, 2graybeards.com or 2 Gray Beards LLC as a result of reading this website or newsletter, using or relying on any information contained herein, or in any communications including but not limited to web meetings, phone calls, emails, web site information or internet posts.
Opinions, thoughts and ideas are derived from public sources and other sources believed to be sound, without our independent verification. We cannot assure you that any information communicated by Mr. Constan and Mr. Givanovic or 2GrayBeards.com is accurate or complete. We do not in any way warrant or guarantee the success of any action which you take in reliance on our communications.
 
No one affiliated with 2GrayBeards.com is a registered investment advisor, investment advisory service, registered analyst, or broker-dealer and does not advise specific advice on securities to anyone. The ideas, opinions and recommendations on this website, web meetings and phone discussions are based on Mr. Constan’s and Mr. Givanovic’s opinions and views of the market. 2GrayBeards.com is not advising, and will not advise anyone concerning the nature, potential, value or suitability of any particular investment. The, opinions thoughts and ideas are provided for informational and educational purposes only. Mr. Constan and Mr. Givanovic advise you to know the risks involved in participating in the equity and futures market and with trading stocks, options, commodities and futures. Mr. Constan and Mr. Givanovic encourage every single trader and subscriber to any of our Services to do their own research prior to making any trade.
Mr. Constan and Mr. Givanovic are providers of information, ideas, and thoughts. Always make sure that you know all the risks involved. He is in no way guaranteeing success on any trades he may cite as examples or as trades which they will personally place for his personal trading account. Option trades lose 100% of their value the majority of the time. You must accept that any trade you place can result in the loss of all the money advanced for that trade.
2GrayBeards.com is owned and managed by 2 Gray Beards LLC. By subscribing to 2GrayBeards.com, you agree to use the information contained within any of our offerings for educational purposes only.
Be sure to read the OCC’s Characteristics and Risks of Standardized Options to learn more about options trading which can be found at
http://www.optionsclearing.com/about/publications/character-risks.jsp The link is provided as a courtesy only.
We encourage you to utilize the information at the SEC (http://www.sec.gov ) and the Financial Industry Regulatory Authority (FINRA) at (http://www.FINRA.org ). Public filings are available at SEC’s EDGAR page. FINRA has published information on how to invest carefully at its website. We encourage you to get personal advice from your professional investment advisor and/or to make independent investigations before acting on information that you read on 2graybeards.com and its product offerings, as it is intended for information and educational purposes only. Our opinions, thought and ideas are derived from public sources and other sources we believe are reliable, without our independent verification. We cannot assure you that any information on 2GrayBeards.com is accurate or complete. We do not in any way warrant or guarantee the success of any action which you take in reliance on our statements.
If you are not fully conversant with risks involved with trading options we encourage you to review in depth the course material offered by the CBOE. Their training materials can be found http://www.cboe.com/learncenter/tutorials.aspx
General Terms
The opinions, ideas, thoughts presented on 2 Gray Beards are for informational and educational purposes only and should not be construed to represent trading or investment advice. None of the information contained herein constitutes a recommendation that any particular security, portfolio, transaction, or investment strategy is suitable for any specific person. We are not advising you personally concerning the nature, potential, value or suitability of any particular security, portfolio, transaction, investment strategy or other matter. As such, subscribers agree that under no circumstances neither Mr. Constan and Mr. Givanovic nor 2 Gray Beards LLC. be held liable for any loss or damage caused by your reliance on information obtained from this website, including any articles, videos or other materials. Options involve substantial risk and are not suitable for all investors.
All opinions, ideas, and thoughts are based upon information considered reliable, but neither Mr. Constan and Mr. Givanovic, nor 2 Gray Beards LLC. Warrant its completeness or accuracy, and it should not be relied upon as such. While efforts will be made to ensure accuracy of information, Mr. Constan and Mr. Givanovic are under no obligation to update or correct any information provided on this website. All statements, ideas, opinions and thoughts are subject to change without notice.
All opinions, ideas, and thoughts on 2GrayBeards.com and its product offerings are for information and educational purposes only, as such, Mr. Constan and Mr. Givanovic cannot guarantee any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or investment discussed on this website, including any articles, videos or other materials. Strategies or investments discussed may fluctuate in price or value. 100% loss occurs regularly with most options ideas. Investors may get back less than they invested.
Investments or strategies mentioned on this website, including any articles, videos or other materials may not be suitable for you. This material does not take into account your particular investment objectives, financial situation or needs and is not intended as recommendations appropriate for you. You must make an independent decision regarding investments or strategies mentioned on this website, including any of the articles, videos or any other material mentioned. Before acting on information on this website, you should consider whether it is suitable for your particular circumstances and strongly consider seeking advice from your own financial or investment adviser. Investors should be aware of potential risks involving options trading, including losses, and are advised to consult with an investment professional.
Be sure to read the OCC’s Characteristics and Risks of Standardized Options to learn more about options trading.
LEGAL NOTICE

2GrayBeards.com and 2 Gray Beards LLC do not give individualized stock market advice. We publish opinions, ideas and thoughts regarding companies in which we believe our subscribers may be interested. These opinions, ideas, and thoughts are intended for informational and educational purposes only. They are not intended to be personalized recommendations to buy, hold, or sell any securities. Investments in the securities markets, and especially in options, are extremely speculative and involve substantial risk. All options investments mentioned on 2GrayBeards.com involve 100% risk. Only you can determine what level of risk is appropriate for you. Prior to buying or selling an option, an investor must have read a copy of the Characteristics and Risks of Standardized Options. The booklet can be accessed at the options clearing corporation’s website at http://www.optionsclearing.com/about/publications/character-risks.jspThe link is provided as a courtesy only.
We encourage you to invest carefully and to utilize the information at the SEC (http://www.sec.gov ) and the Financial Industry Regulatory Authority (FINRA) at (http://www.FINRA.org ). Public filings are available at SEC’s EDGAR page. FINRA has published information on how to invest carefully at its website. We encourage you to get personal advice from your professional investment advisor and/or to make independent investigations before acting on information that you read on 2GrayBeards.com, as it is intended for information and educational purposes only. Our opinions, thought and ideas are derived from public and sources we believe are reliable, without our independent verification. We cannot assure you that any information on 2GrayBeards.com is accurate or complete. We do not in any way warrant or guarantee the success of any action which you take in reliance on our statements.
SUBSCRIPTION SERVICES
Your monthly subscription fee entitles you to access to premium content designed to enhance your awareness and knowledge regarding financial instruments, for informational and educational purposes only.
You are not providing any compensation to Mr. Constan and Mr. Givanovic. or 2 Gray Beards LLC in exchange for investment advice. Neither he nor anyone affiliated with 2GrayBeards.com are registered investment advisers with any regulatory authority. No content or information from this site or any of our product offerings shall be construed as investment advice.
Mr. Constan and Mr. Givanovic make no assurances that the information he provides to subscribers has not been in the past nor will not be at any time in the future, disseminated to non-paying subscribers either on 2GrayBeards.com or in personal or other public communications.
Before subscribing it is your responsibility to read and understand the Premium Subscription Agreements and Rules found on this website.
Performance
Any performance statistics or claims appearing on 2GrayBeards.com or made by Mr. Constan and Mr. Givanovic verbally or in writing are based on a generic portfolio and are not an indication of results you can achieve in your portfolio with your own trading. We are only providing opinions, ideas, and thoughts.  They are intended for information and education purposes ONLY.  Success rates are variable and subject to change. Trading involves substantial risk and you could lose all of your capital.
2GrayBeards.com Content
100% of the content on the Site is the property of 2 Gray Beards LLC and its licensors and is protected in the U.S. and internationally under trademark, copyright, and other intellectual property laws.
You agree not to
– download, display or use any 2GrayBeards.com content located on the Site for use in any publications, in public performances, for any other commercial or non-commercial purpose, in connection with products or services that are not those of 2GrayBeards.com
– use the Site content in any other manner that is likely to cause confusion among consumers, that disparages or discredits 2GrayBeards.com and/or its licensors or that dilutes the strength of 2GrayBeards.com or its licensor’s property, or that otherwise infringes 2GrayBeards.com or its licensor’s intellectual property rights. 
By signing up to 2GrayBeards.com and 2 Gray Beards LLC you agree that we may use your email to send you promotional marketing information about new products or discounted services in the future.
Representations and Limitations of Liability
2GrayBeards.com and 2 Gray Beards LLC make no representations about the reliability of the features of this Site, the Content, User Content, or any other Site feature, and disclaim all liability in the event of any service failure. You acknowledge that any reliance on such material or systems will be at your own risk. 2GrayBeards.com makes no representations regarding the amount of time that any Content or User Content will be preserved.
2GrayBeards.com does not endorse, verify, evaluate or guarantee any information provided by users and nothing shall be considered as an endorsement, verification or guarantee of any User Content. You shall not create or distribute information, including but not limited to advertisements, press releases or other marketing materials, or include links to any sites which contain or suggest an endorsement by 2GrayBeards.com without the prior review and written approval of 2GrayBeards.com
THIS SITE IS PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS. NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THOSE OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ARE MADE WITH RESPECT TO THIS SITE OR ANY INFORMATION OR SOFTWARE THEREIN. UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL 2GrayBeards.COM BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF OR INABILITY TO USE THIS SITE, NOR SHALL 2GRAYBEARDS.COM BE RESPONSIBLE FOR ANY DAMAGES WHATSOEVER THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES, ERRORS, DEFECTS, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE WHETHER OR NOT CAUSED BY EVENTS BEYOND 2GRAYBEARDS.COM REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ACTS OF GOD, COMMUNICATIONS LINE FAILURE, THEFT, DESTRUCTION, OR UNAUTHORIZED ACCESS TO THIS SITE’S RECORDS, PROGRAMS, OR SERVICES. IN NO EVENT SHALL 2 GRAY BEARDS LLC’s TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED FIVE DOLLARS (US $5.00).
The Terms and Conditions are governed by the substantive laws of the State of NEW YORK. All disputes arising under these Terms and Conditions shall be brought and litigated in the state courts located in WEST CHESTER County, NEW YORK. Subscribers must irrevocably consent to the jurisdiction and venue of those courts and agree never to argue that such jurisdiction or venue is improper, inappropriate, or inconvenient.
Third Party Websites
2GrayBeards.com uses links to sites not maintained or related to 2GrayBeards.com. Hyperlinks are provided as a service to users and are not sponsored by or affiliated with 2GrayBeards.com. We make no representations or warranties about the content, completeness, or accuracy of those third party sites. Information you submit at a third party site accessible from this Site is subject to the terms of that site’s privacy policy, and 2GrayBeards.com has no control over how your information is collected, used, or otherwise handled.
 
Subscription
2GrayBeards.com will have 2 subscription plans. Gray Beards Monthly will cost $100/month, and Gray Beards Yearly will cost $1000/year
Subscriptions can be started at any time, and run for 30 or 365 days. Subscriptions will be recurring
 
Registered Users Terms
All Registered Users are Subject to Terms and are in Approval of this “Subscriber Agreement”
If any member distributes any content from any member content pages, and/or chat room information, forwards any SMS text messages or tweets from 2GrayBeards.com without my permission will have his/her subscription terminated without refund. Members may not forward 2GrayBeards emails and/or SMS Text Messages. The sharing of passwords is strictly prohibited. Posting/Passing along any content via other means is strictly prohibited. This includes Twitter, Instant messengers, Facebook, and any others. Any of these is a violation and your membership will be immediately terminated without refund.
Billing
If you wish to cancel your membership, you must do so prior to your renewal date. You must cancel the active subscription via his/her PayPal account. We will not do this for you. There are No Refunds.
PayPal is the provider of billing solutions and accepts all major credit and debit cards
2 Gray Beards General Availability
www.2GrayBeards.com is currently operated by 2GrayBeards LLC. There will be days without service throughout the year due to Vacation, Sickness, and other unforeseen circumstances. There may be a maximum of 365 Days without service per year.   2GrayBeards.com may utilize other individuals to help provide opinions, ideas, and thoughts, in addition to 2GrayBeards.   Remember everything discussed is for educational and informational purposes only.  What you do with that information is 100% your responsibility.

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