Terms of Service

Last Updated: November 30, 2025

Welcome to RayWatkins.com

These Terms of Service ("Terms") govern your use of raywatkins.com (the "Website"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website.

Description of Services

RayWatkins.com provides the following features and information at no cost:

  • Stock Portfolio Tool: A feature that allows you to store and retrieve a personal stock portfolio for entertainment and informational purposes only.
  • Maps: Interactive maps displaying mineral deposits and recreational sites.
  • Weather Information: Weather data and forecasts.
  • Economic and Financial Data: Data sourced from the Federal Reserve Economic Data (FRED) system.

No User Tracking

We respect your privacy. This Website does not track users, collect personal information, or use cookies for analytics or advertising purposes. Any data you enter into the stock portfolio feature is stored solely for your personal use and retrieval.

Free Service

All features and content on this Website are provided free of charge. We do not require payment, subscriptions, or account registration to access any part of the Website.

Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, FEATURES, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We do not warrant that:

  • The Website will be available at all times or without interruption
  • The information provided is accurate, complete, or current
  • Any errors or defects will be corrected
  • The Website is free of viruses or other harmful components

Not Financial or Investment Advice

The stock portfolio feature and all financial and economic data displayed on this Website are for entertainment and informational purposes only. Nothing on this Website constitutes financial advice, investment advice, trading advice, or any other kind of professional advice.

You should not make any financial decisions based solely on information obtained from this Website. Always consult with a qualified financial advisor before making investment decisions.

Third-Party Data Sources

This Website displays data from third-party sources, including but not limited to the Federal Reserve Economic Data (FRED) system. We do not guarantee the accuracy, completeness, or timeliness of any third-party data. Use of such data is subject to the terms and conditions of the respective data providers.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, RAYWATKINS.COM AND ITS OWNER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

  • Your use of or inability to use the Website
  • Any errors, mistakes, or inaccuracies in content
  • Any unauthorized access to or use of our servers
  • Any interruption or cessation of service
  • Any decisions made based on information obtained from the Website

Acceptable Use

You agree not to:

  • Use the Website for any unlawful purpose
  • Attempt to gain unauthorized access to any part of the Website
  • Interfere with or disrupt the Website or servers
  • Use automated systems to access the Website in a manner that sends more requests than a human could reasonably produce
  • Reproduce, duplicate, copy, sell, or exploit any portion of the Website without express permission

Intellectual Property

The Website's original content, features, and functionality are owned by RayWatkins.com and are protected by applicable copyright and other intellectual property laws. Third-party data displayed on the Website remains the property of its respective owners.

Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any changes indicates your acceptance of the modified Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

Contact

If you have any questions about these Terms of Service, please contact us through the Website.