I'm fairly new to the trading community. And something that I always hear is the Pattern Day Trader (PDT) rule always being thrown around. From my understanding the PDT rule states "any margin customer that day trades four or more times in 5 business days" (FINRA Website) 

However, I believe that the PDT rule DOES NOT apply to cash accounts, which is what I currently have. Is this correct? I've done some research and the only regulation that is enforced on cash accounts is Regulation T. Which is basically preventing you from trading unsettled funds.

I will be starting with a few thousand dollars but definitely below the $25k that the trading community is always concerned about. I want to get comfortable with longs right now, so I don't anticipate of shorting until i build my confidence with buying. So i don't plan of using a 'margin account' 

After reading this information on the FINRA website leaves me to believe that I am misunderstanding the regulations or just simply that not everyone is reading the last section of the FINRA website? Which allows for cash accounts to trade as many times as they like. 

http://www.finra.org/investors/day-trading-margin-requirements-know-rules

Can you guys/gals please help me clear this up? 

thanks, 

Vick