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Engagement Letter
Thank you for considering our Balance Sheet Architects™ service. This page explains the terms of our one-on-one sessions so you know exactly what to expect.
We provide professional-level financial education — one-to-one tutoring in the application of advanced financial theory to your life. Sessions can be delivered at any depth, from high-level frameworks to graduate-school rigor. The goal is to give you a structural understanding of cash, debt, and investments so you can make better decisions when you interact with advisors, banks, or other professionals.
We do not sell or recommend debt, legal, tax, credit, mortgage, securities, insurance, or other financial products. Our process is unique and our framework is mutually empowering. By respecting clear boundaries we can have a much more productive conversation. We draw bright lines, and it is important you understand them.
In teaching, we work from standard assumptions to make concepts concrete. For illustration, we may use FDIC-insured cash as the baseline for the risk-free rate and parameters such as a 9% expected return (6% real, net of inflation and fees) and a 17% standard deviation for global equities. We may reference broad global index funds such as VT, VTWIX, VTWSX, ACWI, or ACIM purely as examples of how a diversified portfolio might be constructed. We can also teach how to adapt or modify these assumptions and how taxes, rebalancing, and fees alter outcomes.
In our view, all other assets carry idiosyncratic risk that we discuss conceptually — how they might fit within theory — but we do not quantify their risk, expected return, or correlation. This may include the history and nature of money, gold, bitcoin, real estate, privately held businesses, or other assets. Such discussions are educational and are not forecasts or recommendations.
Our instruction covers asset classes and strategies at a broad, educational level. Real estate as a category can be situated within portfolio theory; your specific property is not evaluated. U.S. equities can be analyzed as a class; your individual stock options are not. We may address gold, bitcoin, and related topics in theory; we do not forecast or recommend specific securities, coins, or products. We do not run Monte Carlo simulations on your behalf; instead, we teach you how to run them and supply free AI tools to help you do so.
We also teach comparative forecasting frameworks — for example, Shiller CAPE, Merton Share, and Global Equity Target — contrasting their assumptions, use cases, and limitations, including the most recent “step” in our methodology. Throughout, the line is explicit: we teach methods and implications; we do not provide forecasts, recommendations, or opinions on individual holdings.
We are not registered as an investment adviser or broker-dealer. This is intentional: our service is education only and keeps everyone in their proper lane.
The service is a conversation — there is no specific deliverable. You will receive professional-level instruction and discussion of concepts tailored to your situation; you are free to implement what you learn wherever you choose.
Fee and Payment
Each session is $1,000 USD, paid in advance. Our rate is standardized in U.S. dollars but our services are presently available worldwide. The session length is 55 minutes.
99.99% Confidence Disclaimer
We will teach you what 99.99% confidence looks like in financial planning, provide a roadmap of future actions you would need to take to approach it, and explain exactly how confidence intervals are calculated and the assumptions behind them. However, this instruction does not constitute a guarantee or representation of any outcome; actual results will vary depending on your own actions and circumstances.
Gifts and Third-Party Bookings
A session may be purchased by one person (the “Payor”) for another individual (the “Recipient”) — for example, a parent for a child, an employer for an employee, or a professional for a client. By booking, both the Payor and the Recipient acknowledge and agree to the terms of this Engagement Letter. The Recipient accepts that the session is provided under these terms, and the Payor accepts that payment does not give them any right to control the content of the session or its outcome.
Refunds and Liability
If your session is not booked and confirmed within 15 days of purchase, you are eligible for a full refund. If we cancel your session, you will receive a full refund. Once a session is booked and confirmed, we will make best efforts to accommodate changes but cannot guarantee availability. Cancellations within 48 hours of the scheduled start time are not permitted. Missed appointments (“no-shows”) are treated
as completed sessions.
Once a session has been delivered, the fee is earned and non-refundable. At our sole discretion we may offer a complimentary follow-up or other accommodation if we believe the service was not a good fit, but no refunds are guaranteed after delivery.
Some jurisdictions require disclosure of maximum risk; the maximum financial risk to you is the fee paid for the session ($1,000 USD). To the fullest extent permitted by law, our maximum liability to you for any claim arising out of a session is likewise limited to the amount you paid. By booking a session you acknowledge that each engagement is a separate contract; booking a new session does not revive or continue claims from a prior session, and you agree our maximum liability will always be limited to $1,000.
Professionals in Sessions
You may include other people in your session — family, attorneys, accountants, investment advisers, or anyone else you choose — at your own risk and cost. We welcome their participation, but you remain responsible for who attends and for any disclosures you make during the session.
Recording, Note-Taking, and AI Tools
Sessions are conducted virtually via Zoom (or another secure video platform we designate). Audio or video recording by you or your invitees requires our prior written consent. You may take written notes or use AI note-taking tools for your own personal use only, but you may not publish, post, sell, or otherwise redistribute any transcript, recording, or derivative work from the session without our prior written consent. We are not responsible for the accuracy, security, or retention of any notes or transcripts you create. If you voluntarily share a transcript or recording with us, you grant us a non-exclusive right to use it for internal training, quality, or compliance purposes.
Confidentiality
Despite anything to the contrary in our Privacy Policy or Terms of Use, and to the maximum extent permitted by law, the information you share with us in a session will be kept confidential except as required by law. We design our service so we only need high-level information to teach you concepts; we do not need or want your mailing address, Social Security number, copies of statements, business records, legal documents, or tax returns. Please do not send us sensitive personal or confidential business data.
Disputes, Venue and Mandatory Arbitration
Any dispute or claim arising out of or relating to a session will be resolved by binding arbitration administered by the American Arbitration Association in Cedar Rapids, Iowa. We choose Iowa because Tom was born there and we believe Iowans are among the most sensible and practical anywhere in the country. By booking you represent that you may lawfully receive educational services in your jurisdiction; we do not monitor every jurisdiction’s rules.
To the fullest extent permitted by law, any claim must be filed within 90 days after the date of payment for the session or it is permanently waived. You and we also agree to waive any right to participate in a class or collective action; any arbitration or proceeding will be conducted only on an individual basis.
Legal Notices
This engagement is governed by our Terms of Use, Legal Disclaimers, and Privacy Policy, which appear below and form part of this agreement. Services are provided by Thomas J. Anderson Consulting, LLC. Thomas J. Anderson Consulting, LLC is not affiliated with Anasova, Supernova, or any other entity mentioned on this site.
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Legal Disclaimers
This website is published by Thomas J. Anderson Consulting, LLC (“Consulting”), a wholly owned subsidiary of Thomas J. Anderson Enterprises, LLC (“Enterprises”). The content, opinions, and materials presented on this site are provided for general informational and educational purposes only and should not be construed as financial, investment, legal, or tax advice. Nothing on this website constitutes a solicitation, offer, or recommendation to engage in any financial transaction, nor does it establish any client, advisory, or fiduciary relationship.
Supernova Companies, LLC and Anasova, Inc. are independent entities with separate ownership and governance structures. Any references to these companies or their products and services are for informational purposes only and do not imply sponsorship, partnership, or control. Thomas J. Anderson retains a minority, non-controlling ownership interest in Supernova Companies, LLC through Superior Management Group, LLC.
All proprietary concepts, frameworks, and terminology developed by Thomas J. Anderson—including but not limited to books, publications, theories, models, trademarks, and service marks—are the intellectual property of Thomas J. Anderson and/or his affiliates. Unauthorized use, reproduction, or distribution of this intellectual property is strictly prohibited. All other company names, product names, and trademarks referenced on this site are the property of their respective owners.
While every effort has been made to ensure the accuracy and reliability of the information provided, no representation or warranty, express or implied, is made as to its accuracy, completeness, or timeliness. Neither Enterprises nor Consulting accepts any liability for any loss or damage arising from reliance on this information. Users are encouraged to consult their own financial, legal, tax, and professional advisors before making any decisions.
Neither Thomas J. Anderson Enterprises, LLC nor Thomas J. Anderson Consulting, LLC originates loans, sells securities, or provides regulated financial services. References to lending, investment, or financial products are illustrative only.
Use of this website constitutes acceptance of the Terms of Use and Privacy Policy.
Terms of Use
Last Updated August 2025
These Terms of Use (“Terms of Use”) are a legal contract between you and Thomas J. Anderson Consulting, LLC, Thomas J. Anderson Enterprises, LLC and/or their subsidiaries, affiliates, assigns, licensors, vendors, partners or other respective owners (collectively "us", "we", or "our", individually as "Publisher" or "Author") who operate the www.tja.global website (hereinafter referred to as the "Service") and govern your use of all the text, data, information, software, graphics, photographs and more that we and our affiliates may make available to you, as well as any services (each, a “Service”) we may provide through any of our websites (all of which are referred to in these Terms of Use as this “Website”). Please read these Terms of Use very carefully.
IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, YOU SHOULD NOT ACCESS OR USE THE WEBSITE.
Limit of Liability/Disclaimer of Warranty - Content
While we have used our best efforts in preparing this website, we make no representations or warranties with respect to the accuracy or completeness of the contents and specifically disclaim any implied warranties of merchantability or fitness for a particular purpose. No warranty may be created or extended by sales representatives or written sales materials. The advice and strategies contained herein may not be suitable for your situation. You should consult with a professional where appropriate. Neither the publisher nor author shall be liable for any loss of profit or any other commercial damages, including but not limited to special, incidental, consequential, or other damages.
DISCLAIMERS
Product name, logo, brands, and other trademarks featured or referred to within this site are the property of their respective trademark holders. Information obtained via this website is for educational and informational purposes only. We do not endorse or recommend, nor do we make any representation or warranty, express or implied, regarding the content on any Third Party Offerings, and we hereby disclaim any liability of any nature whatsoever for, any information or products offered by such Third Party Offerings.
IMPORTANT – NO REPRESENTATIONS OR WARRANTIES
We make no representations or warranties as to the accuracy and timeliness of the material and assume no responsibility for the consequences of its use. Your use of this information and this site is at your own risk. Products and services are provided “as is”. To the maximum extent permitted by applicable law, the service is provided without warranties of any kind, whether express or implied. No communication of any type obtained by you from us will create any warranty not expressly stated herein. Without limiting the foregoing, we do not warrant that the content or links to third party content is accurate, reliable or correct; that the service will meet your requirements; that a user will respond, that any defects or errors will be corrected. You will be solely responsible for any damage or loss that results from your use of the service or products on this site.
In addition to these Terms of Use, you may enter into other agreements with us or others that will govern your use of the Service or related services offered by us or others. If there is any contradiction between these Terms of Use and another agreement you enter into applicable to specific aspects of the Service, the other agreement will take precedence in relation to the specific aspects of the Service to which it applies.
PURPOSE
We do not warrant or make any representations concerning the accuracy, usefulness, likely results of any information on the site or otherwise relating to such materials or on any sites linked to the site or to any related purchases on this site. By using this site, you are bound to the Terms of Use.
CHANGES AND MODIFICATIONS
We reserve the right in our sole discretion for any reason to temporarily or permanently modify or discontinue the Website or any portion of the Website or modify these Terms of Use at any time without notice to you. Changes to these Terms of Use will become effective immediately upon the posting thereof. Please review these Terms of Use from time to time because your continued use of the Website following the posting of changes will constitute your acceptance of the revised Terms of Use.
ELIGIBILITY: USERS & USES
This Website is intended solely for users who are 18 years of age or older. Any registration or use of the Website by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Website, you represent you are 18 or older and that you agree to abide by all of the terms and conditions of these Terms of Use.
Users may only use the site in a way which complies with local, state, federal, international laws as well as all securities, banking, and any other laws, rules and regulations to which you, your affiliates, employees, agents or others acting on your behalf may be subject in any jurisdiction, by any entity, whatsoever. Neither MWOB nor its affiliates, officers, directors, employees, agents or representatives shall be liable for any ineligible use of the Platform. All access and use of the Website and its contents and your use of the Services is at your own risk.
By using the Website, you represent you agree to abide by all of the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or violate any other agreement with us, we may terminate your registration and/or prohibit you from using or accessing our Services or the Website.
CHILDREN’S PRIVACY
We do not knowingly solicit from, and the Services are not intended for, children under 18, and children under 18 should not provide personal information online. If a parent or guardian becomes aware that his or her child under the age of 18 has provided us with information without their consent, he or she should contact us. We will delete such information from our files.
THIRD PARTY OFFERINGS
The Website (i) contains (or you may be sent through the Website or the Services) links to other websites (“Third Party Sites”), (ii) contains articles, photographs, text, graphics, pictures, designs, music, sound, video, information, ideas, software and other content belonging to or originating from third parties (“Third Party Content”) and (iii) may provide access to financial products and other services offered by third parties (“Third Party Services” and collectively with Third Party Sites and Third Party Content, “Third Party Offerings”). Such Third Party Offerings are not investigated, monitored or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third Party Offerings accessed through the Website or posted on the Website, including without limitation the content, accuracy, offensiveness, opinions, reliability or policies of or contained in the Third Party Offerings. Inclusion of or linking to any Third Party Offerings does not imply approval or endorsement thereof by us. We do not endorse or recommend, nor do we make any representation or warranty, express or implied, regarding the content on any Third Party Offerings, and we hereby disclaim any liability of any nature whatsoever for, any information or products offered by such Third Party Offerings.
Third Party Offerings may have different terms of use, privacy policies, or security practices and we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information. You acknowledge that use of any Third Party Offerings is governed by the terms of use for those websites, and not by these Terms of Use.
USER-POSTED CONTENT
Users may be able to post comments, pictures and other content on the Website (“User-Posted Content”). We are not responsible for the accuracy, offensiveness, opinions or reliability of User-Posted Content and hereby disclaims any liability of any nature with respect to the User-Posted Content. We reserve the right to modify or delete any User-Posted Content in its sole discretion; provided, that we have no obligation to monitor or otherwise exercise editorial control with respect to User-Posted Content and shall have no liability for its failure to do so in any event.
USER ONLINE CONDUCT
You agree to comply with all applicable laws and regulations in your use of the Website. In addition, you agree to the following:
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to use this Website only for its intended purposes.
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to not disrupt this Website.
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to not interfere with or compromise the security of this Website, or any computer, server, account, network, data, software and/or hardware associated with this Website.
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to not disrupt or interfere with any other visitor’s use of this Website.
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to not attempt to obtain access to any portion of this Website, any computer, server, account, network, software and/or hardware associated with the Website, from which you are restricted.
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that you are solely responsible for any actions you undertake while visiting this Website and that you will comply with all applicable local, state, national and international laws and regulations applicable to this Website and the Internet, including United States copyright and export regulations
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not to impersonate any person, or falsely state or otherwise misrepresent yourself and that all information you provide to gain access to the Services provided by this Website is accurate and truthful.
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to not upload, post or otherwise distribute on this Website any unlawful, threatening, obscene, pornographic, intimidating, libelous, defamatory or slanderous comments, jokes, images or content that are intended to or are likely to offend a reasonable person on the basis of his or her age, physical or mental disability, gender, race, religion, national origin, physical attributes, sexual preference, or any other classification that could produce any civil or criminal liability for either yourself or for Thomas J. Anderson Consulting, LLC, its affiliates, employees, agents or any such similarly situated persons or entities.
PRIVACY
Your privacy is very important to us. Our Privacy Policy explains how we treat your personal information and protect your privacy when you use our Website. We will not share or sell any of your information with any third party, except as specifically described in these Terms of Use and our Privacy Policy, which is hereby incorporated by reference into these Terms of Use.
CONSENT
Each time you use our Services, you are indicating your acknowledgement and consent to the collection, use and disclosure of information about you collected through our Services as set forth in these Terms of Use, including our Privacy Policy. We may revise these Terms of Use including our Privacy Policy without advance notice to you, but we will let you know of any changes by posting the revised Terms of Use on our Website with a new effective date. If you do not accept the terms outlined in these Terms of Use including our Privacy Policy or a revised Terms of Use, please do not use our Services.
WHAT INFORMATION WE COLLECT
We collect personal information about you that you provide while using our Services, including the registration process and usage of our online platform. For example, we may collect the following personal information:
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your name, email address, mailing address, telephone number(s), account numbers,
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your user name and password
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social security number, driver’s license
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other information provided by you such as your date of birth or household income
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account and transaction information
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unique identifiers for your mobile device, device settings, information about your location and analytical information about how you use your mobile device
INFORMATION WE RECEIVE FROM THIRD PARTIES
We may receive information about you from third parties and Third Party Sites. You should always review and, if necessary, adjust your privacy settings on Third Party Sites and services before linking them to our Website. You may also unlink your third-party account from our Website by adjusting your settings on the Third-Party Site.
HOW WE COLLECT INFORMATION
We collect information about you from:
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your registration
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Third-Party Sites
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your mobile device
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your internet service provider
WHY WE COLLECT INFORMATION
We may use and disclose your personal information that is collected through our Services in accordance with applicable law and the Privacy Policy, where appropriate, which uses may include:
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verifying your identity and authenticating you;
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protecting against fraud or security threats, and otherwise managing risks;
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responding to your requests and communicating with you about the Services;
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communicating with you regarding Services that may be of interest;
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evaluating and improving our Services;
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tailoring our Services and otherwise enhancing the customer experience;
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on an aggregate or anonymous basis use for various business purposes where permitted under applicable law;
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satisfying legal or regulatory requirements or law enforcement requests; and as permitted by applicable law.
WHAT INFORMATION WE MAY SHARE WITH THIRD PARTIES
Where applicable, we will limit sharing of your information in accordance with the choices you have provided us in response to the Privacy Policy. We may use and disclose your personal information that is collected through our Services to run our everyday business and in accordance with applicable law. We do not share, sell, rent or trade your personal information with any third party other than as described in these Terms of Use including the Privacy Policy. We may share your information with law enforcement, government officials, or other third parties as required by law and when we believe that such disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, regulatory request or other legal process.
YOUR ACCOUNT / PREMIUM ACCESS
You may be required to register and create an account to access certain parts of the Website and use the Services. When you create an account, you will be required to pick a user name and a password. You may not disclose your user name or password to any third party. If you learn of any unauthorized use of your password or account, please contact us immediately.
Portions of the Website (“Premium Areas”) are restricted to “members” who have registered with us, have paid an annual fee, and have received a user name and password through which they are authorized to access these Premium Areas. To become a member, you must provide us with correct and current information regarding yourself. By becoming a member, you represent that the information that you are providing is correct and that you will contact us to update it if it changes while you are a member.
If you are not a member of the Website, you are not authorized to access Premium Areas.
Members may not share their user name and password information with others and are required to take all reasonable efforts to maintain the security of their user name and password information.
By paying the annual fee in effect when you subscribe, you become a “member” and are entitled to access Premium Areas on the Website. No refunds or cancellations are permitted, except in the event that (a) we terminate the Service or (b) you breach of these Terms of Use). In the event of a termination of the Service we will endeavor to provide you with a pro-rated refund of your subscription fee, calculated based on the portion of the twelve-month during which you have paid for service that remains as of the date of termination.
Premium Access entitles you to view material and content but does entitle you to distribute, modify, edit, reproduce, recreate, or create derivative works of that content or material.
REGISTRATION DATA; ACCOUNT SECURITY
You agree to (i) maintain the security of your user name and password, (ii) maintain and promptly update any information you provide to us and to keep it accurate, current and complete, and (iii) be fully responsible for all use of your account and for any actions that take place using your account. If any information you provide is untrue, inaccurate, not current, or incomplete, we have the right to terminate all future use of the Website. You agree to promptly notify us regarding any material changes to information or circumstances that could affect your eligibility to continue to use the Website and be fully responsible for all use of your account and for any actions that take place using your account.
RESTRICTIONS ON USE
You agree to abide by all applicable laws and regulations in your use of the Website and the Services. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on our Website. You agree that you will not register for an account on behalf of an individual other than yourself or impersonate any other person or entity, or falsely state or otherwise misrepresent your identity, age, or your affiliation with any person or entity. You further agree that you will not use or attempt to use another individual’s account without our authorization.
PROPRIETARY RIGHTS; COPYRIGHTS
All software, design, text, information, data, databases, images, photographs, illustrations, audio clips, video clips, artwork, graphic material, or other copyrightable elements on the Website (collectively, “Content”) are the property of Thomas J. Anderson Consulting, LLC, Thomas J. Anderson Enterprises, LLC and/or its subsidiaries, affiliates, assigns, licensors, vendors, partners or other respective owners and are protected, without limitation, pursuant to U.S. and foreign copyright laws. Except as otherwise expressly stated herein, no Content may be reproduced, modified, used to create derivative works, displayed, performed, published, distributed, disseminated, broadcast or circulated to any third party without our express prior written consent. Nothing in these Terms of Use shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise.
TRADEMARKS
In addition to our trademarks or service marks, other company, product, and service names and logos used and displayed on this Website may be trademarks or service marks owned by us or others. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on the Website unless in accordance with written authorization by us. The use of any Trademarks as part of a link to or from any site is prohibited unless we provide advance written approval. Any questions concerning any Trademarks, or whether any mark or logo is a Trademark, should be referred to us.
NO WARRANTIES; DISCLAIMERS
THIS WEBSITE, OUR SERVICES AND ALL OF THE CONTENT IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES (I) AS TO TITLE, MERCHANTABILITY, FITNESS FOR ORDINARY PURPOSES, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, AND WORKMANLIKE EFFORT; (II) THE QUALITY, ACCURACY, TIMELINESS OR COMPLETENESS OF THE WEBSITE OR SERVICES OR ANY ASPECT THEREOF; (III) THOSE ARISING THROUGH COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE; (IV) THE WEBSITE OR SERVICES CONFORMING TO ANY FUNCTION, DEMONSTRATION OR PROMISE BY US; AND (V) THAT ACCESS TO OR USE OF THE WEBSITE AND/OR SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR COMPLETELY SECURE. WE DO NOT WARRANT THAT THE WEBSITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THESE TERMS OF USE.
LIMITATION ON LIABILITY
You agree that all access and use of the Website and its contents and your use of the Services is at your own risk. Neither Thomas J. Anderson Consulting, LLC, nor any third party involved in creating, producing or delivering the Website and/or Services, has or will have any responsibility for any consequences relating, directly or indirectly, to any action or inaction that you may take based on the Website and/or Services, or any aspect thereof.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER WE NOR OUR AFFILIATES NOR OUR OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, REPRESENTATIVES, NOR ANY THIRD-PARTY PROVIDERS TO THE SITE, ARE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH USE OF THE WEBSITE, OR WITH ANY DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS AND SERVICES OBTAINED THROUGH THE WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, FEDERAL OR STATE SECURITIES LAWS, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE. NO ACTION ARISING OUT OF OR PERTAINING TO THESE TERMS OF USE MAY BE BROUGHT MORE THAN ONE (1) YEAR AFTER THE CAUSE OF ACTION HAS ARISEN.
INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Thomas J. Anderson Consulting, LLC, its partners, officers, employees, agents, representatives, suppliers and content and service providers from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these Terms of Use or any activity, including negligent or wrongful conduct, by you in connection with your use of this Website or the Services. You will cooperate as fully as reasonably required in the defense of any such claim or demand. We and any third party involved in creating, producing or delivering the Website/Services reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, at your expense, and you will not in any event settle any such matter without our prior written consent and any such third party.
INVESTMENT/SECURITIES DISCLOSURE
This Website is for informational purposes only and does not constitute an offer to sell or the solicitation of an offer to purchase any security, loan, or investment or banking product or services in any jurisdiction. The content of this Website is provided solely for your personal use and shall not be deemed to provide access to any particular transaction or investment opportunity. Thomas J. Anderson Consulting, LLC does not intend the information on this Website to be investment advice, and the information presented on this website should not be relied upon to make an investment decision.
ENDORSEMENTS
Thomas. J. Anderson Consulting has done its best to gather statements (the “Endorsements”) from readily available public comments which we identify as a form of Third Party Content. In some cases, these comments may be summarized and part of a broader statement or conversation. We have used our best efforts to represent the intent of the person making the statement. Often these comments refer to either Mr. Anderson individually and / or to books he has authored. These statements were not intended for, nor are they a reflection of, Thomas J. Anderson Consulting, LLC. These Endorsements do not constitute an endorsement for any product, service of offering described in this Service. These Terms of Use apply to any and all Endorsements and Third Party Content including but not limited to No Warranties / Disclaimers, Limit of Liability, and Indemnification.
HOW WE COLLECT YOUR INFORMATION AND USE COOKIES
We, or our service providers, and other companies we work with may deploy and use cookies, web beacons, local shared objects and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online Services.
To help provide our Services, enhance your experience and collect information about mobile activity, we may place small data files on your computer or mobile device. These data files may be in the form of cookies, pixel tags, local shared objects or other similar technologies. Cookies and similar technologies enable us to personalize our application and Services for you. These technologies may allow us to store and manage your preferences and settings, measure and analyze how you use our Website and the effectiveness of our communications, offer services and help us improve our services and security.
“Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online Services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online Services.
Clear GIFs, pixel tags or web beacons—which are typically one-pixel, transparent images located on a webpage or in an email or other message—or similar technologies may be used on our Website and in some of our digital communications (such as email or other marketing messages). They may also be used when you are served advertisements or you otherwise interact with advertisements outside of our online Services. These are principally used to help recognize users, assess traffic patterns and measure Website or campaign engagement.
Local shared objects, sometimes referred to as “flash cookies,” may be stored on your hard drive using a media player or other software installed on your device. Local shared objects are similar to cookies in terms of their operation but may not be managed in your browser in the same way. For more information on managing local shared objects, click here: https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html.
Most browsers provide you with the ability to block, delete or disable these technologies. If you choose to reject cookies or similar technologies, some Services may not be available or some functionality may be limited or unavailable. Please review your mobile device help pages for assistance with changing your settings.
Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever you visit our Website, along with the time of the visit and the page(s) that were visited. We use IP Addresses for purposes such as calculating Website usage levels, helping diagnose server problems, to personalize/tailor your experience while engaging with us online and offline, for compliance and security purposes, for advertising, and administering the Website.
COPYRIGHT COMPLAINTS
If you believe that any material on the Website infringes upon any copyright that you own or control, you may contact us. In your notification, please:
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confirm you are the owner, or authorized to act on behalf of the owner, of the copyrighted work that has been infringed;
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identify the copyrighted work or works you claim have been infringed;
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identify the material that you claim is infringing or is the subject of infringing activity and that is to be removed (please include information reasonably sufficient to permit us to locate the material);
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provide your contact details, including an email address; and
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provide a statement that the information you have provided is accurate and that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.
“DO NOT TRACK” SIGNALS
We do not respond to “do not track” signals from your browser at this time. To learn more about how “do not track” works, please visit http://allaboutdnt.com/.
SECURITY SAFEGUARDS
We use security controls to protect against unauthorized use, access, modification, destruction, disclosure, loss or theft of your personal information in our custody or control. Please note, the information you send electronically may not be secure when transmitted to us. We recommend that you use only secure channels to transmit sensitive or confidential information to us.
SUBMISSIONS
You acknowledge and agree that any reviews, questions, comments, suggestions, ideas, feedback or other information about the Website (“Submissions”), provided by you in any format, via the Service or otherwise, are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
ADDITIONAL TERMS The information contained on this website is provided for general informational and educational purposes only and should not be construed as financial, investment, tax, or legal advice. Thomas J. Anderson Consulting, LLC does not provide personalized investment advisory services, originate loans, sell securities, or act as a broker-dealer. Nothing on this site constitutes an offer, solicitation, or recommendation to buy or sell any financial product or service.
All references to financial strategies, products, or companies are illustrative only. Any trademarks, trade names, or logos displayed are the property of their respective owners and are used solely for descriptive purposes. The inclusion of third-party content, press references, or external links does not imply endorsement.
Thomas J. Anderson Consulting, LLC is a wholly owned subsidiary of Thomas J. Anderson Enterprises, LLC. Supernova Companies, LLC and Anasova, Inc. are independent companies with separate ownership and governance structures. Thomas J. Anderson retains a minority, non-controlling ownership interest in Supernova Companies, LLC through Superior Management Group, LLC.
Your use of this site is subject to these disclaimers, the Terms of Use, and the Privacy Policy.
ARBITRATION AND CLASS ACTION WAIVER Any dispute, controversy, or claim arising out of or relating to this website, its content, or these Terms of Use shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules, except as modified herein. The arbitration shall take place in Chicago, Illinois, before a single arbitrator mutually agreed upon by the parties (or, if no agreement, appointed by the AAA). Judgment on the arbitration award may be entered in any court of competent jurisdiction.
YOU AND WE EXPRESSLY WAIVE THE RIGHT TO A TRIAL BY JURY.
To the fullest extent permitted by law, you and we agree that arbitration will proceed solely on an individual basis. Neither party may bring or participate in any class, collective, consolidated, or representative action. The arbitrator shall have no authority to hear class claims, consolidate proceedings, or grant relief to anyone other than the individual party to the arbitration.
OPT-OUT OPTION:
You may opt out of this arbitration agreement within thirty (30) days of first using this website by sending written notice of your decision to: Thomas J. Anderson Consulting, LLC, Attn: Legal, [insert mailing address]. Your opt-out will not affect any other terms of these Terms of Use.
Notwithstanding the foregoing, either party may seek temporary or preliminary injunctive relief in a court of competent jurisdiction to protect its rights pending arbitration.
BY USING THIS WEBSITE, YOU ACKNOWLEDGE AND AGREE THAT YOU ARE WAIVING THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION WITH RESPECT TO ANY DISPUTE.
GOVERNING LAW AND JURISDICTION
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles. You agree that any dispute, claim, or controversy arising out of or relating to these Terms of Use or your use of the Website shall be subject to the exclusive jurisdiction of the state and federal courts located in Chicago, Illinois, and you hereby consent to the personal jurisdiction of such courts.
SEVERABILITY AND ENTIRE AGREEMENT
If any provision of these Terms of Use is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. These Terms of Use constitute the entire agreement between you and us with respect to the Website and supersede any prior or contemporaneous understandings, agreements, or representations, whether written or oral.
ASSIGNMENT
You may not assign, transfer, or delegate these Terms of Use or any rights or obligations hereunder without our prior written consent. Any attempted assignment in violation of this restriction shall be void. We may assign or transfer our rights and obligations under these Terms of Use without restriction.
RESERVATION OF RIGHTS
All rights not expressly granted in these Terms of Use are reserved.
NO FIDUCIARY RELATIONSHIP
Your use of the Website does not create, and shall not be deemed to create, any fiduciary, advisory, client, or professional relationship between you and us.
DEFINITIONS
References to “Thomas J. Anderson Consulting, LLC” and “Thomas J. Anderson Enterprises, LLC” shall include their respective affiliates, successors, assigns, agents, representatives, and licensors, unless the context otherwise requires.
HOW YOU CAN CONTACT US
If you have questions or concerns regarding this Terms of Use, please contact us via the Contact Us section of the Service.
© 2025 Thomas J. Anderson Consulting, LLC. All rights reserved. Reproduction and distribution of material contained within this Website is prohibited unless prior, written permission has been obtained.
Privacy Policy
Effective date / Last updated: August 2025
This Privacy Policy describes how Thomas J. Anderson Consulting, LLC, together with its affiliates, subsidiaries, assigns, licensors, and related entities (“we,” “us,” or “our”), collects, uses, discloses, and safeguards your information when you use www.tja.global (the “Service”). By using the Service, you agree to the practices described herein. This Privacy Policy is incorporated into and forms part of our Terms of Use.
Unless otherwise defined, capitalized terms in this Privacy Policy have the same meanings as in our Terms of Use.
DEFINITIONS
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Service: The www.tja.global website.
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Personal Data: Data about a living individual who can be identified from those data (alone or in combination with other information).
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Usage Data: Data collected automatically, generated by the use of the Service or the Service infrastructure (e.g., IP address, browser type, session duration).
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Cookies: Small files stored on your device (computer or mobile device).
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Data Controller: The entity that determines the purposes and means of processing Personal Data. For this Service, we act as Data Controller.
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Data Processors (Service Providers): Third parties that process Personal Data on our behalf.
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Data Subject (User): Any living individual using our Service.
INFORMATION COLLECTION AND USE
We collect several types of information to provide and improve our Service:
Personal Data When using our Service, we may ask you to provide personally identifiable information, including but not limited to:
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Email address
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First and last name
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Phone number
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Mailing address
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Cookies and Usage Data
We may use Personal Data to contact you with newsletters, marketing, and other information of interest. You may opt out at any time using unsubscribe instructions provided in our communications.
Usage Data We automatically collect data such as IP address, browser type/version, pages visited, time/date of visit, time spent on pages, device identifiers, and diagnostic data.
Location Data With your permission, we may collect and store location data to improve the Service. Location services may be disabled in your device settings.
Cookies and Tracking Technologies We use cookies, beacons, tags, and scripts to monitor activity and improve the Service. Examples include:
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Session Cookies (operation)
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Preference Cookies (settings)
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Security Cookies (protection)
You may disable cookies through your browser, but some features of the Service may not function properly.
USE OF DATA
We use collected data for purposes including:
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Providing and maintaining the Service
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Notifying you about Service changes
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Enabling interactive features
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Providing customer support
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Analyzing Service performance
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Detecting, preventing, and addressing technical issues
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Delivering news, offers, and information about related goods/services (unless you opt out)
LEGAL BASIS UNDER GDPR
If you are located in the European Economic Area (EEA), we may process your Personal Data because:
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It is necessary to perform a contract with you
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You have given consent
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It is in our legitimate interests, balanced against your rights
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It is required for legal compliance
RETENTION OF DATA
We retain Personal Data only as long as necessary to fulfill purposes in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce agreements. Usage Data is generally retained for shorter periods unless extended for security or functionality purposes.
TRANSFER OF DATA
Your information may be transferred to — and maintained on — servers outside your jurisdiction, including the United States. By submitting your information, you consent to such transfers, subject to safeguards consistent with this Policy.
DISCLOSURE OF DATA
We may disclose Personal Data:
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To comply with legal obligations or law enforcement requests
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To protect and defend our rights or property
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To prevent or investigate wrongdoing related to the Service
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To protect the safety of users or the public
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To protect against legal liability
SECURITY OF DATA
We use commercially reasonable administrative, technical, and physical safeguards to protect your Personal Data. However, no transmission or storage system is 100% secure, and we cannot guarantee absolute security.
“DO NOT TRACK” SIGNALS
We do not support Do Not Track (“DNT”) at this time
YOUR RIGHTS UNDER GDPR
If you reside in the EEA, you have rights to:
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Access, update, or delete your Personal Data
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Rectify inaccurate information
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Object to processing
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Restrict processing
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Data portability
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Withdraw consent at any time
You also have the right to lodge a complaint with a Data Protection Authority in your jurisdiction.
YOUR RIGHTS UNDER CALIFORNIA LAW
If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA/CPRA), including:
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Right to know what Personal Data we collect, use, disclose, or sell
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Right to request deletion of Personal Data
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Right to opt out of the sale or sharing of Personal Data (we do not currently sell Personal Data)
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Right to non-discrimination for exercising these rights
To exercise these rights, please contact us using the details below.
SERVICE PROVIDERS
We may employ third parties to facilitate our Service. These Service Providers have access to Personal Data only as necessary to perform tasks on our behalf and are bound not to disclose or use it for other purposes.
Analytics We may use third-party analytics providers, including Google Analytics. You may opt out by using the Google Analytics opt-out browser add-on.
LINKS TO OTHER SITES
Our Service may contain links to third-party sites. We are not responsible for their content, privacy policies, or practices.
CHILDREN’S PRIVACY
Our Service is not directed to anyone under 18. We do not knowingly collect information from children under 13. If you believe a child under 13 has provided Personal Data, please contact us and we will take steps to remove it. If you are under 18, please use the Service only with parental involvement.
CHANGES TO THIS POLICY
We may update this Privacy Policy from time to time. Any updates will be posted to this page with an updated “Effective Date.”
CONTACT US
If you have questions about this Privacy Policy or wish to exercise your rights under applicable law, please contact us using the details provided on the Service’s Contact page.
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