RewardandRiskAnalytics   2012

Terms of Service

If you gain access to any information on this website, you are bound by the terms and conditions in the terms of service ("TOS") agreement that you may read by clicking here. and the Privacy Agreement, here. You must read carefully and immediately the TOS and privacy agreements, or leave this web site, promptly, not using any links from it.

Disclaimer of Liability

The William Margrabe Group, Inc. publishes the content on this web site as a free public service for those who agree with its terms. We make no warranty or guarantee concerning the relevance, accuracy, or reliability of the content at this site or at other sites to which we link. While the content may concern a specific academic, biological, cosmeto-logical, dietetical, electrical, financial, geological, historical, intellectual, kinesthetical, legal, mathematical, medical, numerical, ontological, political, reward-and-risk-analytical or -managemental, statistical, teleological, etc. issue, it is not  advice, much less professional advice, and we do not offer it as advice. If you want such advice, you should contact an appropriate professional and negotiate and create a contract.

Website Privacy Policy March 23, 2012

This document contains the website privacy policy for The William Margrabe Group, Inc. ("The Group", "we", "us", "our"), owner and operator of We have developed this policy, in order for you to understand how we collect, retain, protect, and use your personal information.

We are aware of only the following ways that someone would receive your personal information from this website:

  1. You could send us correspondence via email (such as, via our contact page), U.S.P.S., etc. If you do not intend to provide information to us via correspondence, don't do it. If we receive correpondence from you, we would treat it as our property. Think of it as similar to sending a letter to the editor of a newspaper, or writing to Bill O'Reilly. ("Name and town, name and town, and don't be a 'quidnunc'.")  If you want a response, or even for someone to read your correspondence, you should include complete contact information that we could verify. We may publish your statement or question, or paraphrase it. If so, we may publish your name and town, name and employer, name and school, etc. We would not publish your complete contact information, and may make for you a pen name and affiliation, such as "Bob, from Denver". (That's a pun. The late Bob Denver was a comedic actor.) You may see examples of our past responses at, under the heading, "Ask Dr. RiskTM", but our policy and practice may evolve.

  2. DISCLAIMER: We are using some Google services, such as our search engine, gmail, and placement of advertising. We do not know what personal information they may gather. You have complete control. If you are concerned, don't use our services.

  3. We may collect domain information to enable us to analyze how our visitors use this site. This data enables us to become more familiar with which people visit our site, how often they visit, and what parts of the site they visit most often. We use this information to improve our web site's offerings. We would collect this information, automatically, requiring no action on your part. If you don't want this, you should not visit this web site.

  4. Use of Cookies and Tracking User Traffic
    Some pages on this site may use “cookies”—small files that the site places on your hard drive for identification purposes. A cookie file can contain information such as a user ID to track the pages visited, but the only personal information a cookie can contain is information you supply yourself. These files are used for site registration and customization the next time you visit us.
    Some parts of the site may also use cookies to track user traffic patterns. This is in order to determine the usefulness of our web site information to our users and to see how effective our navigational structure is in helping users reach that information. Please note that cookies cannot read data off of your hard drive. Your Web browser may allow you to be notified when you are receiving a cookie, giving you the choice to accept it or not. If you prefer not to receive cookies while browsing our Web site, you can set your browser to warn you before accepting cookies and refuse the cookie when your browser alerts you to its presence. You can also refuse all cookies by turning them off in your browser, By not accepting cookies, some pages may not fully function and you may not be able to access certain information on this site.

Information Sharing and Disclosure

We do not share your personal information outside The Group, without your permission, except under conditions listed below:

  • You ask us to provide you with a product or service.

    You consent to our sharing your information with a third party, working on our behalf to serve you.

  • The law or our perceived need to act (to protect life, limb, and/or property) requires us to disclose the information. .

Protecting the Privacy of Children

Children under 13 years old are not the target audience for our Web site. To protect their privacy, the lawyer or firm prohibits the solicitation of personal information from these children.
Links to Third Party Sites
Minors are not the target audience for our Web site. We do not intend to To protect their privacy, the lawyer or firm prohibits the solicitation of personal information from these children.
Links to Third Party Sites
This web site may contain links to other web sites. We are not responsible for your decision to follow a link to those Web sites. We encourage you to learn about the privacy policies of those web sites.

Changes to this Privacy Policy
We reserve the right to change, modify or update this policy at any time without notice. Any substantial changes in the way we use your personal information will be posted on this site. However, you are responsible for knowing our privacy policy at all times.

If you have questions or concerns about our Privacy Policy, please email us at the contact information on the site.