Terms of Service

Effective Date: [04-15-2025]

Welcome to Interlectual Wandering, a Substack publication authored by Robert Beer. By subscribing to or accessing this publication, whether as a free or paid subscriber, you agree to the following Terms of Service (“Terms”).

1. Educational Purpose Only

Interlectual Wandering is an educational resource designed to provide readers with a structured, systematic framework for understanding value investing. The content is for informational and educational purposes only and does not constitute financial, investment, legal, or other professional advice.

Robert Beer and Interlectual Wandering make no guarantees regarding investment results, financial gain, or the success of any investment decisions made by readers. Any examples, illustrations, or educational content provided are strictly for the purpose of explaining concepts and frameworks. You are solely responsible for any financial decisions or actions you take based on the information shared through this publication.

2. No Financial Advice or Recommendations

Neither Robert Beer nor Interlectual Wandering provides personalized investment advice or specific stock recommendations. The content provided is general in nature and is not tailored to the individual circumstances of any subscriber.

You agree not to use, repurpose, or present the information found in this publication as financial advice to others. Subscribers may not hold Robert Beer or Interlectual Wandering responsible for any decisions made by themselves or others based on the content provided.

3. Sharing and Use of Content

The materials and insights provided through Interlectual Wandering are based on publicly available information and are intended to encourage learning and discussion. You are welcome to share this content with others for educational purposes, provided it is not repurposed or represented as your own original work.

No content may be used to mislead others into believing they are receiving professional financial advice from Robert Beer or Interlectual Wandering.

4. Privacy and Subscriber Information

As part of your subscription, we collect your name and email address to deliver newsletters and updates. We do not sell or share your personal information beyond what is necessary to manage your subscription through Substack’s platform.

For more information on how your data is handled, please refer to Substack’s Privacy Policy and Terms of Use.

5. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Colorado, United States. By subscribing, you agree that any legal disputes or claims arising from your use of Interlectual Wandering will be handled exclusively within the jurisdiction of Colorado.

6. Changes to the Terms

Saiwala Consulting, LLC reserves the right to update these Terms at any time. Subscribers will be notified of significant changes. Continued use of Interlectual Wandering after changes are made constitutes your acceptance of the revised Terms.

7. Refund Policy

All sales are final. Intllectual Wandering’s services provide it’s customers with knowledge and skills that if applied by far exceed the cost. We believe in the quality of our products. You will not need a refund.

If you have any questions about these Terms, feel free to reach out on X @IntellectWander