Welcome to the Root Collective!

This is a place for thoughtful discussion. We ask that you treat this forum with the same respect you would any public space, recognizing that the Root Collective is a shared resource. Our goal is to enhance and expand Root content and provide a unique experience. These guidelines are designed to help us collectively build a thriving community. Your participation is key to everyone's positive experience.

Important Disclaimer: Not Financial Advice

The Root Collective is intended for educational purposes only and should not be considered personalized investment advice. Root Financial will not provide buy or sell recommendations for specific securities. Similarly, community members should refrain from giving or soliciting investment advice from one another. Sharing examples like "you should buy this security" will result in the removal of the post and the user from the community.

Protect Your Privacy

You are responsible for the information you post. Avoid sharing Personally Identifiable Information (PII), including but not limited to:

• Full Legal Name
• Home Address
• Phone Number
• Email address
• Age, Date of Birth
• Credit/Debit card numbers
• Account and Tax information
• Identification documents (Passport, Driver's License)
• Social Security numbers
• Employment information
• Religion, Gender
• Geographic data (ZIP code, city, state, country, etc.)
• Race or Ethnicity
• Personal information of family members (e.g., Mother's maiden name)
• IP address

Your Account

You must create an account to use the forum. Provide accurate information and keep your email address up-to-date. You can close your account by emailing [email protected]. You are responsible for all activity on your account until it is closed or you notify Root Financial of a compromise. Choose a strong password and keep it secure.
We recommend using an anonymous name upon initial signup to preserve anonymity. If you do use your real name by mistake, please reach out to the support team ([email protected]) for help creating a new one.
Root Financial may restrict, suspend, or close accounts for violations of these terms.

Contribute to Meaningful Discussions

Help us create a valuable space by consistently improving the quality of our conversations. Before posting, consider whether your contribution adds to the discussion. If unsure, take a moment to refine your thoughts.

The topics discussed here are important, and we encourage you to treat them, and your fellow community members, with respect, even when you disagree. When starting a new topic, provide substantial content to spark discussion. A link or YouTube video alone is rarely sufficient. A well-crafted opening post sets the stage for a productive conversation. Threads lacking substance may be closed.

Here are some ways to enhance our discussions:

• Offer helpful answers and resources.
• Share engaging and thought-provoking posts.
• Provide relevant resources and news.

Before participating, explore existing discussions to find others who share your interests.

Respectful Disagreement is Welcome

Disagreements are natural, but remember to critique ideas, not individuals. Avoid:

• Name-calling
• Ad hominem attacks
• Responding to tone instead of content
• Knee-jerk reactions

Instead, offer well-reasoned counter-arguments that enrich the dialogue.

Your Participation Matters

Your contributions shape the community. Engage in discussions that make this forum a valuable resource, and avoid those that detract from it. Use the available tools (bookmarks, likes, flags, replies, edits, etc.) to highlight valuable contributions and identify problematic content.

Report Issues

Moderators play a key role in maintaining the Root Collective, but we all share this responsibility. When you encounter inappropriate behavior, flag it rather than engaging directly. This helps moderators focus on facilitating the community, not just policing it. Excessive flags will trigger action, either automatically or through moderator intervention.

Moderators reserve the right to remove content and user accounts at any time, for any reason. Moderators do not pre-screen posts and are not responsible for user-generated content.

Maintain Civility

Respect is paramount. Avoid:

• Offensive, abusive, or hateful language
• Obscene or sexually explicit content
• Harassment, personal attacks, impersonation, or revealing private information
• Spam or any form of forum vandalism

Strive to avoid even the appearance of these behaviors. If you're unsure, consider how your post would be received if it were publicly shared. Remember, search engines index these discussions, so keep your language and content appropriate for everyone.

Keep Things Organized

Help us maintain a tidy forum by:

• Posting in the correct category
• Avoiding cross-posting
• Refraining from posting empty replies
• Staying on topic
• Not signing posts (your profile information is already attached)

Post Original Content

Do not post digital content that belongs to someone else without their permission. Do not share descriptions, links, or methods for stealing intellectual property or breaking any laws.

Community Driven

This forum is operated by Root Financial and its members. For questions, contact [email protected].

Acceptable Use Policy

You agree not to:

• Violate any laws.
• Access or attempt to access another user's account without permission.
• Buy, sell, or trade usernames or unique identifiers.
• Send advertisements, chain letters, or solicitations.
• Automate access to the forum (except for indexing by publicly available search engines).
• Send emails to distribution lists or newsgroups through the forum.
• Misrepresent your affiliation with Root Financial.
• Hyperlink to non-hypertext content on other web pages.
• Remove proprietary notices from downloaded materials.
• Display any part of the forum in iframes on other websites.
• Circumvent security or access restrictions.
• Strain the forum's infrastructure with excessive requests.
• Impersonate others.
• Encourage or assist others in violating these terms.

Content Standards

You agree not to submit:

• Illegal, offensive, or harmful content.
• Content that violates laws, infringes intellectual property rights, violates privacy, or breaches agreements.
• Malicious code (viruses, spyware, etc.).
• Placeholder content.
• Information you do not have the right to disclose.

Enforcement

Root Financial may investigate and prosecute violations to the fullest extent of the law and cooperate with law enforcement. Root Financial reserves the right to modify, redact, and delete content for any reason. Report violations immediately.

Your Content

You retain ownership of your content. You grant Root Financial a license to provide your content to other users. This license ends when your content is removed, though other licenses (e.g., Creative Commons) may persist. Root Financial is not liable for violations of your content licenses by others.

Your Responsibility

You agree to indemnify Root Financial from legal claims related to your breach of these terms. You agree to cooperate with investigations and allow Root Financial to control the defense of legal claims.

Disclaimers

Use of the forum is at your own risk. Root Financial provides the forum "as is" without warranty. Root Financial is not responsible for external services or content. You agree not to submit confidential or proprietary feedback.

Our liability is limited to the fullest extent permitted by law, and we will not be liable for any lost profits, revenues, information, data, or consequential, special, indirect, exemplary, punitive, or incidental damages arising out of or related to these Terms or the Root Collective, regardless of the cause or theory of liability, including negligence. Our total liability related to these Terms or the Root Collective will not exceed $100 or the amount you paid us in the past year, whichever is greater.