Disclaimer & Privacy Policy
Investment & Financial Disclaimer: The “Don’t Be a Moron” Clause
The content in The Digital Hum is provided solely for informational and educational purposes, mostly serving as a diary of observations from one very tired bloke. Absolutely nothing contained herein should be misconstrued as professional, investment, legal, or any other type of viable advice. If you take financial counsel from a newsletter that discusses the miserable reality of self-checkouts, you deserve whatever happens next.
No Business or Strategic Advice: Any strategic analysis, competitive insights, or operational recommendations are simply commentary and the author’s opinion. They are the ramblings of someone watching a train wreck in slow motion. If you are making actual business decisions, you should consult qualified, sober professionals. Not me.
No Investment Advice: Analysis of companies, market trends, or the author’s personal opinions on the impending economic collapse does not constitute a recommendation to buy, sell, or hold any securities. I am not your financial advisor. Please keep your financial disasters to yourself.
No Legal or Compliance Advice: Commentary on regulatory analysis is just that, commentary on public developments. If you have compliance matters, pay a qualified lawyer. They cost a fortune, but at least they’ll pretend to care.
Forward-Looking Statements: Predictions, forecasts, and trend analysis reflect the author’s cynical, exhausted opinion based on available public information and may very likely prove completely incorrect. Plan accordingly.
Content, Sources, and Author Fatigue
Accuracy: While we strive for accuracy (in the way a tired man strives to avoid slipping on wet leaves), we cannot guarantee all information is complete or error-free. We rely on publicly available sources, which are, like everything else, prone to error, omission, and general ineptitude.
Author Opinion: All analyses represent the author’s deeply felt, deeply pessimistic personal views, honed over 40+ years spent festering inside the corporate machine.
Third-Party Content: Links and references to external sources are provided to show you the specific thing I’m currently complaining about. They do not constitute endorsements, approvals, or any signal that I like the content.
Limitation of Liability: You’re Responsible, Not Me
The Digital Hum and its author disclaim all liability for any losses, damages, or adverse consequences, including, but not limited to, anxiety, arising from the use of this information. Users assume all risks associated with acting on this content. You pressed the button. You made the choice. Don’t blame the cynical guide.
Privacy Policy: The Boring Bit
We are run by Substack, and we don’t care about your data beyond making sure this dreary newsletter lands in your inbox.
Information Collection: We collect email addresses for newsletter delivery via Substack. We may collect basic, miserable analytics data about newsletter engagement (e.g., who actually clicked the link about damp socks).
Data Use: Email addresses are used solely for newsletter delivery. We do not sell, rent, or share subscriber information with third parties. We wouldn’t know how, frankly, and we can’t be bothered.
Substack Privacy: This newsletter operates on Substack’s platform. If you’re truly interested, please review Substack’s Privacy Policy for their data practices. They’re the ones who handle the plumbing.
Unsubscribe: You may unsubscribe at any time using the link in any email. It won’t stop the hum, but it might clear up your inbox a bit.
Contact: Questions about this disclaimer or the content? Just reply to any of the newsletter emails. I’ll read it when I get around to it.
Last updated: 25 September 2025