Privacy and Disclaimer

Who we are

Our website addresses are: sheahulse13.com and sheahulse.com

When you are using this website, you agree to all parts of the following disclaimer and disclosure:


Shea Hulse (“Us”, “We”) may have a financial relationship with companies regarding products that align with the Website. Shea Hulse is selective in choosing affiliates and is upfront with promoting any products or services. If items are purchased through affiliate links or advertisements, Shea Hulse may be compensated. You will not be charged extra nor required to pay more when buying a product through any affiliate links or advertisements. You are not obligated to click on any links or advertisements. References to third party products, websites, or services are subject to change at any time.

Shared links of articles and other outside information may appear in the Website. They do not indicate an endorsement or association to the owner of Shea Hulse. It is recommended to do your own research on links provided on the Website. All third-party websites will have separate and independent privacy policies, terms and conditions, and disclaimers. Shea Hulse has no liability for the content of any linked articles or websites.


As an Amazon Associate I earn from certain qualifying purchases.


At this time, we share links for the following brands through ShareASale:

  • Gerber Store and ShareASale






I am not a financial expert, financial analyst, or have professional background in finance, and it is recommended that you seek out a professional before making any financial decisions. Articles are informational and for educational purposes only, do not constitute financial advice, and do not establish any kind of financial advisor-client relationship with Shea Hulse. The information on the Website are personal opinions and are intended to provide general education about the financial industry. All statements and opinions written on the Website are not intended to provide specific advice or recommendations for any individual persons or on any specific security or investment product. Shea Hulse cannot guarantee any validity, accuracy, completeness, or suitability of information expressed on the Website. Shea Hulse is not liable or responsible for any damage or injury resulting from or related to using the information on the website. These include but are not limited to: direct, incidental, consequential, punitive or other damages, failure of performance, and loss of money or materials.

Nothing written on the Website provides investment advice, recommendations for any specific security, portfolio of securities, investment product, transaction recommendation, or investment strategy for any specific persons. The owner of Shea Hulse cannot evaluate any details for an individual regarding securities, investments, finances, or financial goals. Therefore, all information is considered general opinions and not specific for any persons.

Before making any financial decisions based on information provided on the Website, it is recommended to seek authorized, professional, financial advice prior to any choices or actions. The reader agrees and understands that all investments and securities have risk of loss and that past performance has no guarantee on future performances.

By using this Website, you agree to indemnify, hold harmless and defend sheahulse13.com and any of its directors, officers, employees, agents and members from and against any action, cause, claim, damage, debt, demand or liability for any damages or costs or any loss of any kind arising out of use of this Website or any informations contained in or obtained through this Website.

This information has been updated as of March 2020.

Please see the Terms and Conditions for further details.



This Website is owned and operated by www.sheahulse13.com. By accessing, downloading or using Shea Hulse (“Us”, “We”, “Our” “Website”) in any way, and whether or not You become a registered user of any kind (“User”, “You”, “Yourself”, “Your”), Your access to, and use of, this site is subject to the following Terms and Conditions (“Terms”, “User Agreement”) and all applicable laws and regulations. By using this Website, You agree to be bound by these Terms, as they may be changed or amended by Shea Hulse from time to time, which You acknowledge that You have read and understood. You agree to accept and adhere to the following Terms as stated in this policy along with the Terms stated in the Privacy Policy (see section below). Please read this User Agreement carefully before accessing or using the Website. By viewing, scrolling, reading, visiting, or accessing any part of the Website, You agree to become bound by the Terms and Conditions agreement. If You do not wish to be bound by these Terms and Conditions, You may not access any the Website, and You should refrain from further use of the Website and exit the Website now.

Information contained in the Website is for informational and/or entertainment purposes only. We make no representations as to the accuracy or completeness of any information on this Website or found by following any links on this site. We are not, and will not be, liable for any errors or omissions in this information nor for the availability of this information. When using the Website, or any services or materials on the Website, You shall be subject to all rules applicable.


The Website and the informations (including all changes to the User Agreement) may be revised or updated at any time as it sees fit. We reserve the right, at our sole discretion, to revise, modify, or change such Terms. It is your responsibility to review the Website for any changes to the Terms. Your continued use of this Website after any such amendments or modifications will constitute acknowledgement and agreement of the changed Terms. You must review and agree to these Terms at on a regular basis to keep Yourself informed of any changes.


By using, visiting, and/or accessing this Website, including direct or indirect access to any information, resources, services, or products, (hereby referred to as “Resources”), You agree to use them only for the purposes intended as permitted by (a) the Terms and Conditions, and (b) applicable laws, regulations and generally accepted online practices and/or guidelines.

You understand and agree that:

  1. To access Resources either now or in the future, You may be required to provide informations about yourself as part of a registration process, including but not limited to: name, email, contact information. You agree that information You provide is and will always be accurate and up to date.
  2. You are responsible to keep all and any login informations for sheahulse13.com are responsible for all activities that happen within or from your account(s).
  3. It is prohibited to access our Website through any means outside of the means we provide. You agree to not access, or attempt to access, through any unethical or unconventional measures. It is prohibited for You to disrupt or interfere with the Website, server, networks, and/or Resources.
  4. It is prohibited to copy, duplicate, post, share, sell, and/or trade any materials or Resources provided on the Website.
  5. You are solely responsible for any consequences, losses, and/or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by You, as explained above, and may incur any criminal or civil liabilities.


Certain areas of the Website are restricted from access by You, and Shea Hulse may further restrict Your access to any areas of this Website at any time, in its sole, absolute discretion.

You are expressly restricted from all of the following:

  1. Publishing, selling, or licensing any Website material in any media, including but not limited to: blog comments, blog posts, product ratings and reviews, and/or social media.
  2. Using the Website in any way that is, or may be, damaging to the Website or impacts any access to the Website.
  3. Engaging in any form of data mining, data extracting, or similar activity in relation to, and/or while using, the Website.


You agree that, to access, visit, or use this Website, that You are at least 18 years of age or older. If you are discovered to be under 18 and using the Website, Your access can be terminated at any time.


You do not need to register with the Website to use the comments feature. We do pre-screen and/or monitor any comments posted onto the Website. You grant Us the right to use all materials posted on the Website. We have no obligations to provide you a copy of comment(s) You post on the Website. We have the right to edit or delete any and all comments published on the Website. It is Your responsibility to comply with the ethical standards of commenting, posting, or sharing as outlined below:

  1. You will not use any illegal, threatening, harassing, inappropriate, sexual, degrading and/or explicit language.
  2. You will not infringe on any copyrights, trademarks, trade secrets, and/or other property rights of any party.
  3. You will not include any unauthorized advertisings.
  4. You will not impersonate any persons or entity, including sheahulse13.com or its employees or representatives.


Shea Hulse may contain links to third-party websites or services that are not owned or controlled by Shea Hulse. They do not indicate an endorsement or association to Shea Hulse. We have not reviewed all of the material made available through the websites and webpages to which sheahulse13.com links, and that link to sheahulse13.com. Shea Hulse disclaims any responsibility for any harm resulting from your use of third-party websites and/or webpages. It is recommended to do your own research on links provided on the Website. All third-party websites have separate and/or independent privacy policies, terms and conditions, and disclaimers. Shea Hulse has no liability for the content of any linked articles and/or websites. We are not responsible for their contents and/or their use.


You agree to indemnify and hold Shea Hulse and its respective contractors, directors, officers, members, employees and/or agents harmless against any action, cause, claim, costs, damage, debt, demand, expenses, losses, or liability for damages or costs, including reasonable attorneys’ fees, or any loss of any kind arising out of the display, access to, and/or use of this Website or any information contained in or obtained through this Website. This includes if You fail to fulfill any obligations relating to any violation of this User Agreement and/or failure to fulfill any obligations relating to another person using Your account. We reserve the rights to take over the exclusive defense of any claim for which we are entitled to indemnification under this User Agreement.


You waive Your rights to bring any legal claims, now or in the future arising out of or related to the Website. This Website is controlled by sheahulse13.com from our offices located in the state of NJ, United States. These Terms, including any legal notices, policies, and/or disclaimers contained on this Website, will be governed by and construed in accordance with the laws of the State of NJ, and You submit to the non-exclusive jurisdiction of the state and federal courts located in NJ for the resolution of any disputes. You hereby agree to personal jurisdiction by any such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.


Shea Hulse is owned and operated in the State of New Jersey in the United States. The Website is hosted in the United States, and the domain of the said Website is registered in the United States. The intended audiences of the Website is for individuals residing in the United States only.

This website does not envisage offering goods or services to individuals living in the European Union as is detailed in the General Data Protection Regulation. In addition, the information presented and/or associated with this website is intended for individuals that reside in the United States only.


All content and materials available on the Website, including but not limited to: text, graphics, Website name, images, and logos are the intellectual property of Shea Hulse, and are protected by applicable copyright laws. Any inappropriate use, including but not limited to: reproductions, distributions, display or transmissions of any content on this Website is strictly prohibited, unless specifically authorized by Shea Hulse. You grant us the right to bring an action for infringement of rights regarding any of these items.

If you believe that materials located on or linked to by sheahulse13.com violates your copyright, you are encouraged to notify Shea Hulse in accordance with the Digital Millennium Copyright Act (“DACA”) Policy. Shea Hulse will respond to such notices by removing the infringing materials or disabling all links to the infringing materials. We will terminate a visitor’s access to and use of the Website if, under any appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of Us and/or others.


Shea Hulse respects Your privacy and permits You to control the treatment of your personal information. A complete statement of Shea Hulse’s current Privacy Policy can be found by clicking on the “Privacy Policy”. Shea Hulse’s Privacy Policy is included under the scope of this User Agreement by this reference.


Shea Hulse hereby disclaims all warranties of any kind, including the warranties of merchantability, fitness for a particular purpose and/or non-infringement. Shea Hulse makes no warranty that the Website will be free of errors or that access will be continuous or uninterrupted. Shea Hulse cannot guarantee any validity, accuracy, completeness, and/or suitability of information expressed on the Website. You understand that if You download from, and/or otherwise obtain content or services through the Website, it is at your own risk.

By using our Website, you understand and agree that contents, materials, Website, and Resources, and all we provide as “as is”, with all faults, and Shea Hulse makes no express or implied representations or warranties of any kind related to this Website and/or the materials contained on this Website.

We do not represent or warrant to you that:

  1. The use of our Website, contents or Resources will meet your needs and/or requirements.
  2. The use of our Website, contents or Resources will be uninterrupted, timely, secure and/or free from errors.
  3. The information obtained by using our Resources will be accurate and/or reliable, and
  4. Any defects in the operation or functionality of any resources we provide will be repaired and/or corrected.

You also understand and agree that:

Nothing contained on the Website shall be construed as providing consult and/or advice to you. Any content downloaded or otherwise obtained through the Website is done at your own discretion and risk, and you are solely responsible for any damage to your computer and/or other devices for any loss of data that my result from the download of such content.

Articles are informational and for educational purposes only, do not constitute financial advice, and do not establish any kind of financial advisor-client relationship with Shea Hulse. ThirtyEight Investing is not liable and/or responsible for any damage or injury resulting from or related to using the information on the website. These include but are not limited to: direct, incidental, consequential, punitive and/or other damages, failure of performance, and loss of money or materials.


To the maximum extent permitted by law, Shea Hulse, including any of its officers, directors and employees, will never be liable to You for any damages of any kind that arises out of, and/or relating to, Your use of the Website. This limitation still applies if You are out of breach of contract, tort, and/or any other legal form of action. Shea Hulse, including its officers, directors, and employees shall not be liable for any special, incidental and/or consequential damages, failure or delay due to matters beyond their reasonable control, interruption of use or corruption of data, or liability arising out of or in any way related to your use of this Website.


If any portion of these Terms is found to be invalid under any applicable law, then any such invalidity will not render the entire Terms as invalid. Such portions will be deleted without affecting the remaining Terms.


You understand and agree that Your access to any part of, or all, of the Website may be terminated without notice, and for any reason, effective immediately. Upon termination, all of Your access to any Resources from, and/or in relation to, the Website will cease. We reserve the right to delete any of your login information, account information, or any additional informations provided to Us from You that is on file.

Shea Hulse reserves the right to terminate the Website at any time, due to shutting down any of our services. The provisions that shall survive terminations include all ownership provisions, disclaimer of warranties, and/or limitation of liability.


These Terms of Conditions, including any and all legal notices, policies, and disclaimers contained on this Website, constitute the entire agreement between You and Shea Hulse.


You agree to not use any information from the Website to contact any persons, companies, and/or entities.

If you have questions or comments about these Terms and Conditions, you can contact us via email at: info@sheahulse13.com

These Terms and Conditions are effective as of March 2020.

What personal data we collect and why we collect it


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Contact forms


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.


Who we share your data with

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

Your contact information

Additional information

How we protect your data

What data breach procedures we have in place

What third parties we receive data from

What automated decision making and/or profiling we do with user data

Industry regulatory disclosure requirements