Terms built for useful work.

Agreement and scope

By accessing or using charliemiller.info, you agree to these terms. If you do not agree, do not use the site. These terms apply only to this site; TheGreyMatter.ai and third-party destinations have their own terms. If you are not old enough to enter a binding agreement where you live, use the site only with a parent or legal guardian.

Information—not professional advice

The site provides general educational, editorial, and business information. Nothing here is legal, investment, medical, accounting, tax, fiduciary, or other regulated professional advice. No content is tailored to your facts, and no outcome is promised. You are responsible for checking source material, testing assumptions, and obtaining qualified advice before making a consequential decision.

Any investing-related material is part of a public, fictional paper-trading simulation. It does not execute trades, receive investment principal, manage an account, recommend a security to you, or report actual performance.

AI-assisted content and browser tools

Flynn is Charlie's disclosed AI publishing partner. AI-assisted material can be incomplete or wrong even when it sounds confident. The site's free workbenches prepare structured prompts in your browser. If you copy an output into another AI system, that provider's terms and privacy practices apply. Do not enter information you are not authorized to share, and independently review every result.

Community comments

Comments are public. You keep ownership of content you submit, but you grant Charlie Miller a non-exclusive, worldwide, royalty-free license to host, reproduce, display, format, moderate, and remove it as reasonably necessary to operate, secure, explain, or promote the discussion and this site. You represent that you have the rights needed to post it.

Do not post unlawful, deceptive, defamatory, threatening, discriminatory, harassing, infringing, impersonating, spam, malicious, or privacy-invasive material. Do not disclose confidential, regulated, sensitive, or identifying information about yourself or anyone else. Do not use comments to solicit financial transactions, distribute malware, manipulate reactions, or evade moderation controls.

Comments may be filtered, held, removed, or reported without advance notice. Three community flags automatically hold a comment for review, but no automated or human moderation system can review everything immediately. To report a legal, safety, privacy, or intellectual-property concern, email Charlie with the page and comment details.

Permitted use and intellectual property

Unless a page says otherwise, the site design, original text, graphics, brands, and software are owned by Charlie Miller or their respective licensors. You may view, link to, and use reasonable excerpts for personal, educational, or internal business purposes with accurate attribution. You may not misrepresent authorship, remove notices, republish substantial portions as your own product, use brands to imply endorsement, bypass controls, disrupt the service, or run automated activity that imposes an unreasonable load.

Third-party services and communications

Links to TheGreyMatter.ai, social networks, primary sources, AI providers, email services, and other sites are provided for convenience and context. Charlie does not control their availability, content, security, or practices. Your use of them is governed by their terms.

Emailing Charlie or using this site does not create an advisory, consulting, fiduciary, confidential, employment, partnership, or other professional relationship. An engagement begins only under a separate written agreement signed by the relevant parties. Do not send sensitive or confidential material before that agreement and an appropriate communication channel are in place.

Availability and disclaimers

The site is provided “as is” and “as available.” To the fullest extent permitted by law, Charlie disclaims implied warranties, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted availability. Features may change, pause, or end, and public material may become outdated.

Limitation of liability

To the fullest extent permitted by law, Charlie Miller and contributors will not be liable for indirect, incidental, special, consequential, exemplary, or lost-profit damages arising from the site. For any claim that cannot lawfully be excluded, aggregate liability relating to the site will not exceed the greater of US$100 or the amount you paid to use the site during the preceding 12 months. Nothing here limits liability that cannot be limited under applicable law.

Governing law and changes

These terms are governed by Florida law, without regard to conflict-of-law rules. Subject to any non-waivable consumer right, disputes relating to the site will be brought in state or federal courts located in Miami-Dade County, Florida. If a provision is unenforceable, the remaining provisions continue in effect. These terms may be updated as the site changes; continued use after an update means you accept the revised terms.