This page provides the following information:

  • Contact Information – info about the author and how to reach him;
  • Privacy Policy  – info about which user personal data is collected and how it is used;
  • Terms and Conditions – the agreement between the site and its users along with disclaimers about the content of the site;

Unfortunately, the text in this page is dry and formal. This page exists to comply with regulations. These regulations exist to increase transparency and protect the rights of the users of the site: both readers and the author. Therefore, I tried to make it as comprehensive as possible.

Feel free to reach out to me if you have suggestions for improvements/clarifications to this page.

Contact Information

This site is operated by Mário Nzualo. Mário Nzualo is also the Data Controller. Reach out if you have any questions or requests related to your experience with this site.
Mário Nzualo
Friedrichstr. 114A
10117 Berlin
USt-IdNr: DE327699500

Privacy Policy

This website collects personal data from its users.

You may at any time contact us by writing to to request information about what data we have stored about you, and also request the data to be corrected, updated, or removed. We will comply without undue delay.

That data is collected for the purposes and using the services outlined below.


We use analytics services to understand how users are interacting with the site. We are specifically interested in:

  • Number of views and visitors to the site and specific pages;
  • Aggregate data on how the users interact with the site (e.g. time spent, country, etc);
  • Data on how users arrive to the site (referrers, search engine terms)

The personal data collected are IP addresses, cookies and usage data.

The services used are Google Analytics and Stats.
Please refer to the the privacy policy of these services to learn more about them.

Managing contacts and sending emails

We use email service providers to send newsletters to our subscribers. These newsletters contain blog posts, email courses and information about our products.

You may at any time withdraw your consent to receiving emails from us (newsletters), by using the unsubscribe links that are included in all such emails.

The personal data collected is first name, email address, cookies, usage data, (e.g. click rate, open rate), country, purchase history.

The service is ConvertKit.

Platform Services and Hosting

Platform services make this site available in the Internet.

The services used are Siteground where this blog is hosted. This blog is hosted on WordPress.’s JetPack provides performance and security features.

Please refer to the privacy policy of these services to learn more about them.

We may change this Privacy Policy as we may deem necessary from time to time, or as may be required by law. Any changes will be immediately posted here and you will be deemed to have accepted the updated Privacy Policy on your first use of the website following the alterations. We recommend that you check this page regularly to keep up-to-date.

Book Store

We use Gumroad to sell our educational materials. Gumroad is a reseller which handles credit card billing and VAT processing.

The personal data collected by Gumroad is email address, purchase history and payment information.

Terms and Conditions

This investment blog (the “Blog”) is created and authored by Mário Nzualo (the “Content Creator”).

Index funds and ETFs mentioned on the Blog are always subject to risks. The Content Creator cannot guarantee and does not promise any specific results from use of the blog. The content of this website does not represent, in any case, specific investment, legal nor tax advice nor recommendations to purchase a particular financial product. They have been taken from publicly available sources to the best of our knowledge and belief. All information provided (all thoughts, forecasts, comments, hints, etc.) are for educational and private entertainment purposes only.

The information in the Blog constitutes the Content Creator’s own opinions and is not affiliated with any other organization or institution.

The Content Creator holds and reserves all rights for the Blog’s content. Users may cite the Blog’s content with appropriate attribution. Users may not reproduce, duplicate, copy, sell, resell or exploit any portion of this Website and of its Service without the Content Creator’s express prior written permission, granted either directly or through a legitimate reselling program.

We comply with the copyright to any content created by third parties and published on this website. In particular, third-party content is identified as such. Should you become aware of any copyright infringement, please inform us accordingly. If we become aware of any infringements, we shall remove such content immediately.

We can neither guarantee the validity nor the accuracy of educational content provided on the Blog, but we work hard to make sure you get the most accurate content. If you spot a mistake, please let us know and we will carefully review and fix as soon as we can.

The Blog may provide information from or links to third-party sites and services for your convenience only. The Content Creator does not control the content in these third-party sites. Therefore, the Content Creator disclaims any liability on this third-party content.

The Blog may be temporarily unavailable from time to time for maintenance or other reasons. 

The Content Creator reserves the right to change any and all Blog content, software and other items used or contained in the Blog at any time without notice. 

Last updated: December 26th, 2020