Disclaimer

StockGeniuses helps users organize stock research, compare analytical perspectives, interpret financial information, monitor changes, and preserve their own theses and decision history.

The StockGeniuses website, application, and related services are provided for informational, educational, research, and decision-support purposes. StockGeniuses does not make investment decisions for users.

StockGeniuses is a research and decision-support platform. Unless expressly stated otherwise, StockGeniuses is not registered or licensed as an investment adviser, broker-dealer, securities dealer, portfolio manager, financial planner, commodity trading adviser, or other regulated financial-services provider under the laws of any jurisdiction.

Nothing in this Disclaimer or on the platform should be interpreted as indicating that StockGeniuses is authorized or licensed to provide regulated financial services.

Nothing provided through StockGeniuses should be interpreted as personalized financial, investment, legal, tax, or accounting advice, or as a recommendation to buy, sell, hold, or otherwise transact in any security.

This applies to all analyses, model outputs, valuations, estimates, scores, scales, classifications, screens, rankings, signals, portfolio views, AI explanations, summaries, examples, and other content made available through the platform.

Any labels relating to investment potential, performance expectations, risk, suitability, financial health, or similar characteristics are generalized analytical classifications based on available data and defined model rules. They do not determine whether a security, strategy, transaction, or portfolio decision is suitable or appropriate for a particular person.

Favorable or unfavorable language in an analysis should not be interpreted as an instruction or recommendation to take action.

You are responsible for evaluating the information presented through StockGeniuses, carrying out your own due diligence, and deciding how—or whether—to use it.

Material information should be checked against primary company filings, official disclosures, brokerage or custodial records, and other appropriate sources. You should consult qualified financial, legal, tax, or accounting professionals when your circumstances require professional guidance.

Nothing provided through StockGeniuses is intended to create an investment-adviser, fiduciary, brokerage, attorney-client, tax-adviser, accounting, or other professional relationship between you and StockGeniuses.

You should not rely on StockGeniuses as the sole basis for an investment, trading, tax, legal, or portfolio decision. You are solely responsible for ensuring that your investment activities, use of StockGeniuses, and reliance on any information obtained through the platform comply with the laws, regulations, licensing requirements, securities rules, tax obligations, and other legal requirements applicable in your jurisdiction.

StockGeniuses does not provide brokerage, custody, securities-exchange, trade-execution, or discretionary investment-management services.

StockGeniuses does not:

• open or manage brokerage accounts
• hold or safeguard customer assets
• accept custody of securities or funds
• receive discretionary authority over a portfolio
• place or execute transactions on a user’s behalf
• automatically rebalance portfolios
• direct users to complete particular trades

StockGeniuses may display portfolio, holding, watchlist, or transaction-related information for research and organizational purposes. These features do not constitute portfolio management, brokerage services, or trade execution.

Financial, company, market, portfolio, and contextual information may be delayed, incomplete, inaccurate, unavailable, or later revised. Market conditions and company information may change before data is refreshed, processed, displayed, or reviewed.

Unless information is expressly identified as real-time, it should not be assumed to reflect current market conditions.

Information may differ between sources because of:

• different reporting periods
• company restatements
• corporate actions
• currency conversions
• accounting classifications
• data adjustments
• provider methodologies
• calculation conventions
• rounding
• historical coverage
• source or licensing limitations

Metrics calculated by StockGeniuses may therefore differ from figures shown in company filings, brokerage platforms, financial-data services, or other third-party sources.

Company guidance, analyst estimates, forecasts, consensus figures, growth assumptions, and other forward-looking information are inherently uncertain and may change without notice. Actual results may differ materially from the assumptions or expectations reflected in an analysis.

Users should review displayed source information, reporting periods, timestamps, and update details where available. Material facts should be verified against primary company filings and official disclosures before being relied upon.

Further information about providers, data coverage, calculations, and update practices is available on the StockGeniuses Data Sources page.

Portfolio holdings, transactions, cost basis, allocation, performance, account values, and related information may be entered by users, calculated by StockGeniuses, or obtained through connected third-party services.

The accuracy and usefulness of portfolio views depend on the quality, completeness, and timeliness of the underlying information. Missing transactions, incorrect cost-basis information, stale prices, currency differences, corporate actions, or incomplete account data may affect displayed results.

StockGeniuses portfolio views are not:

• official brokerage or custodial statements
• confirmations of ownership
• tax records
• accounting records
• audited performance reports
• substitutes for records maintained by a broker, custodian, employer, tax authority, or other official source

Portfolio calculations, gains, losses, returns, allocations, and performance information are presented for analytical purposes only and may not reflect applicable taxes, withholding obligations, transaction costs, brokerage fees, accounting adjustments, or reporting rules. You should rely on official brokerage statements and qualified tax professionals for tax reporting and compliance. Portfolio information is provided solely as a convenience for organizing and analyzing investment information and should not be treated as an official record of ownership or account activity.

Where an analysis or explanation depends on information entered, selected, uploaded, or imported by a user, its usefulness and accuracy will also depend on the completeness and accuracy of those inputs.

Investing models simplify complex businesses and depend on selected inputs, assumptions, modeling choices, available information, estimation techniques, historical information, and defined calculation methods.

Different models are designed to examine different questions and may reasonably produce different or conflicting results. A company may appear attractive under one methodology and less attractive under another.

Scores, rankings, classifications, comparisons, and model outputs are analytical tools. They are not:

• credit ratings
• analyst recommendations
• guaranteed assessments of quality
• assurances of future performance
• individualized suitability determinations
• instructions to take action

Valuation estimates, intrinsic-value calculations, forecasts, scenarios, expected-return figures, price estimates, historical comparisons, and simulated or hypothetical results depend on assumptions that may prove incorrect.

Such outputs may not reflect:

• actual future market conditions
• transaction costs
• taxes
• fees
• spreads
• liquidity
• execution timing
• changing interest rates
• changes in company fundamentals
• unforeseen market or economic events

These outputs are illustrative analytical estimates. They should not be interpreted as promises, certain predictions, or guarantees that a security will reach a particular value or produce a particular return.

Hypothetical, illustrative, or model-generated results may use historical information and assumptions that benefit from hindsight. Such results do not represent actual investment performance and should not be interpreted as evidence that similar results will be achieved in the future.

Educational articles, examples, tutorials, hypothetical scenarios, demonstrations, and explanatory materials are intended solely to illustrate financial concepts and analytical techniques. They should not be interpreted as personalized investment recommendations or advice regarding any particular security, portfolio, or investment strategy.

StockGeniuses uses artificial intelligence to help explain model outputs, summarize available information, identify relevant changes, compare evidence, and clarify risks and tradeoffs.

AI-generated content may be inaccurate, incomplete, outdated, internally inconsistent, misleading, or based on misunderstood information. It may omit relevant facts, assign incorrect importance to information, or generate statements that are not supported by the underlying data. AI-generated content may also reflect probabilistic reasoning rather than verified factual conclusions.

AI-generated explanations should not be treated as independently verified facts. Important statements should be checked against the underlying metrics, primary company filings, official disclosures, and other reliable sources.

AI-generated content is intended to support interpretation and reflection. It does not:

• predict outcomes with certainty
• provide personalized investment advice
• determine suitability
• issue authoritative buy, sell, or hold instructions
• replace independent research
• replace qualified professional advice
• replace the user’s judgment

The user remains responsible for reviewing and deciding whether or how to use any AI-generated output.

Signals, alerts, and notifications are intended to draw attention to information or conditions that may deserve review. They are not instructions to trade or assurances that a particular event is material to a user’s circumstances.

Signals and notifications may be:

• delayed
• incomplete
• duplicated
• incorrectly triggered
• based on incomplete information
• unavailable
• delivered after market conditions have changed
• affected by provider, connectivity, processing, or service limitations

StockGeniuses does not guarantee that every material change, filing, market event, risk, or threshold will be detected or communicated.

Signals, alerts, and notifications should not be relied upon for time-sensitive trading, automated execution, loss prevention, emergency risk management, or compliance with any investment mandate.

Investing in securities involves risk, including volatility and the possible loss of some or all invested capital.

Past performance, historical relationships, scores, signals, model outputs, forecasts, estimates, hypothetical examples, simulated results, and illustrative scenarios do not guarantee future results.

No model, data source, AI system, or research process can account for every factor affecting a company, security, portfolio, market, or investment outcome.

Market disruptions, trading halts, exchange outages, force majeure events, geopolitical developments, cybersecurity incidents, extraordinary volatility, liquidity constraints, and other unforeseen events may materially affect financial markets, data availability, analytical outputs, alerts, valuations, and platform functionality.

StockGeniuses does not guarantee:

• the accuracy, completeness, or timeliness of any information
• the accuracy or completeness of an analysis
• that a model or signal will identify every relevant opportunity or risk
• that information will remain current
• that an investment thesis will prove correct
• that a forecast or valuation will be realized
• that an alert will be delivered at a particular time
• that use of the platform will prevent losses
• any particular investment, trading, or portfolio outcome

Users remain responsible for their own investment decisions and for the risks associated with those decisions.

StockGeniuses may use, display, calculate from, summarize, or link to information supplied by third-party data providers, company filings, news sources, websites, artificial-intelligence providers, and other services.

StockGeniuses does not control and is not responsible for third-party:

• content
• accuracy
• completeness
• availability
• security
• terms
• privacy practices
• service changes
• interruptions or discontinuation

A reference or link to a third party does not necessarily constitute an endorsement, recommendation, partnership, or approval. Company names, exchange names, ticker symbols, product names, trademarks, service marks, and logos remain the property of their respective owners. Their appearance within StockGeniuses is solely for identification, research, analytical, or informational purposes.

Third-party data, functionality, and services may be changed, restricted, delayed, suspended, or discontinued without notice. Such changes may affect the availability or behavior of StockGeniuses features.

References to well-known investors, investment strategies, investing principles, or named methodologies are used to describe analytical ideas that informed particular StockGeniuses models.

Unless expressly stated otherwise, StockGeniuses is not affiliated with, sponsored by, endorsed by, licensed by, approved by, or associated with those investors, their estates, their firms, their publishers, or any related organization.

StockGeniuses implementations may adapt, interpret, or combine publicly discussed investing principles and should not be understood as official reproductions of any person’s private investment process.

This Disclaimer should be read together with the following StockGeniuses pages and agreements:

• Terms of Service
• Privacy Policy
• Data Sources
• any additional notices presented within the product

Those documents provide further information about use of the platform, subscriptions, user responsibilities, data practices, third-party services, intellectual property, service limitations, and legal terms.

This Disclaimer explains the nature and limitations of the information and analytical services provided through StockGeniuses. Additional contractual provisions governing warranties, limitation of liability, indemnification, dispute resolution, and other legal rights and obligations are set out in the StockGeniuses Terms of Service, which form part of the agreement governing your use of the service.

Questions about this Disclaimer may be sent to: info@stockgeniuses.com.