By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

The materials contained in this web site are protected by applicable copyright and trademark law.

Use License

Access to this site is personal to you, individually.

Permission is granted for personal, non-commercial transitory viewing only. Access is not a grant of a license or a transfer of title.  You may not:

  • modify or copy the materials;
  • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  • attempt to decompile or reverse engineer any software contained on peteratwater.com’s web site;
  • remove any copyright or other proprietary notations from the materials; or
  • transfer the materials to another person or “mirror” the materials on any other server.

Access shall automatically terminate if you violate any of these restrictions and may be terminated by peteratwater.com at any time. Upon terminating your viewing of these materials, you must destroy any downloaded materials in your possession whether in electronic or printed format.

Beyond website access, neither Financial Insyghts, nor its employees, has provided any product or service to you.  The products and services of Financial Insyghts are available only after contacting Financial Insyghts directly and are subject to their own separate terms and conditions.


The materials on financial-insyghts.com are provided “as is”. Financial Insyghts LLC, nor its employees, makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Financial Insyghts LLC does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.


In no event shall Financial Insyghts, its employees or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on the financial-insyghts.com website, even if Financial Insyghts, its employees or an authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Revisions and Errata

The materials appearing on the financial-insyghts.com website could include technical, typographical, or photographic errors. Financial Insyghts LLC does not warrant that any of the materials on its web site are accurate, complete, or current. Financial Insyghts LLC may make changes to the materials contained on its web site at any time without notice. Financial Insyghts LLC does not, however, make any commitment to update the materials.


Neither Financial Insyghts, nor its employees, has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Financial Insyghts LLC of the site. Use of any such linked web site is at the user’s own risk.

Site Terms of Use Modifications

Financial Insyghts may revise these terms of use for its web site at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Governing Law

Any claim relating to the peteratwater.com website shall be governed by the laws of the State of Pennsylvania without regard to its conflict of law provisions. General Terms and Conditions applicable to Use of a Web Site.


Information on the financial-insyghts.com website comes from independent sources believed reliable but accuracy is not guaranteed and has not been independently verified. All material published on the peteratwater.com website is subject to change without notice. Neither Financial Insyghts LLC, nor its employees, makes security recommendations. All information on financial-insyghts.com is for educational purposes only. Opinions expressed on financial-insyghts.com belong solely to Financial Insyghts LLC and are subject to risks and uncertainties beyond its control.

Financial Insyghts LLC and its employees may have received compensation from companies and organizations mentioned on financial-insyghts.com.  In addition, Financial Insyghts LLC and its employees may purchase and sell securities of companies and organization identified on financial-insyghts.com.