Risk Disclaimer - Finkipedia

Effective Date: [September 04, 2025]

⚠️ IMPORTANT RISK WARNING

PLEASE READ THIS ENTIRE DISCLAIMER CAREFULLY BEFORE USING FINKIPEDIA

THE INFORMATION ON THIS PLATFORM IS FOR EDUCATIONAL AND RESEARCH PURPOSES ONLY. IT IS NOT INVESTMENT ADVICE. YOU MAY LOSE MONEY BY MAKING INVESTMENT DECISIONS BASED ON INFORMATION PROVIDED ON THIS PLATFORM.

1. NO INVESTMENT ADVICE

1.1 Educational Platform Only

Finkipedia is a financial research and educational platform. We provide:

Historical financial data and statements
Algorithmic analysis of public information
Educational content about markets
Research tools and calculators

We do NOT provide:

Personalized investment advice
Recommendations to buy, sell, or hold securities
Financial planning services
Portfolio management
Tax or legal advice

1.2 Not Registered Advisors

We are NOT registered as investment advisors in any jurisdiction
We are NOT broker-dealers or financial planners
We have NO fiduciary duty to users
We do NOT consider your personal financial situation

1.3 Your Responsibility

You are solely responsible for:

Your investment decisions
Evaluating all information critically
Conducting your own research
Consulting qualified professionals
Understanding your risk tolerance

2. AI-GENERATED ANALYSIS RISKS

2.1 Bullish/Bearish Indicators

Our AI-generated bullish/bearish sentiment indicators:

Are based on algorithmic analysis of historical patterns
Are research observations, NOT recommendations
May be wrong, outdated, or misleading
Do not consider your personal circumstances
Should NEVER be the sole basis for investment decisions

2.2 Algorithm Limitations

Our algorithms:

Can fail, malfunction, or produce errors
Are based on historical data which may not predict future results
Cannot account for all market variables
May not detect fundamental changes in companies
Cannot predict black swan events
Are not validated by regulatory bodies

2.3 Data Quality Risks

Financial data may be delayed, incomplete, or inaccurate
We rely on third-party data sources we cannot fully verify
Data processing errors may occur
Real-time events may not be reflected
Corporate actions may not be immediately updated

3. MARKET AND INVESTMENT RISKS

3.1 Risk of Total Loss

YOU CAN LOSE ALL YOUR INVESTED CAPITAL

Investing in financial markets involves substantial risks including:

Complete loss of principal
Volatility and price fluctuations
Liquidity risks
Currency risks
Geopolitical risks
Regulatory changes

3.2 No Guaranteed Returns

Past performance does NOT indicate future results
Historical patterns may not repeat
No investment strategy guarantees profits
All investments can lose value
Even "safe" investments carry risk

3.3 Market-Specific Risks

Equity Markets:

Stock prices can go to zero
Companies can go bankrupt
Dividends can be cut or eliminated
Market crashes can occur suddenly

Small Cap and Penny Stocks:

Extremely high volatility
Low liquidity
Higher fraud risk
Greater manipulation risk
Less regulatory oversight

International Markets:

Currency exchange risks
Different regulatory standards
Political instability
Less transparency
Time zone differences

4. PLATFORM-SPECIFIC DISCLAIMERS

4.1 No Warranty

The Platform is provided "AS IS" without warranties of any kind. We do not guarantee:

Accuracy of information
Completeness of data
Timeliness of updates
Availability of service
Freedom from errors

4.2 Technical Risks

Platform outages may occur
Data feeds may be interrupted
Calculations may contain errors
Features may malfunction
Security breaches are possible

4.3 Third-Party Content

We may display third-party data
We don't endorse third-party content
External links are not our responsibility
News and analysis may be biased or incorrect

5. USER ACKNOWLEDGMENTS

By using Finkipedia, you acknowledge and agree that:

5.1 Investment Decisions

✓ You make all investment decisions independently

✓ You will not rely solely on our Platform

✓ You understand all investment risks

✓ You can afford any losses incurred

✓ You will seek professional advice when needed

5.2 Platform Understanding

✓ This is educational content only

✓ Bullish/bearish indicators are not recommendations

✓ All information may be inaccurate

✓ You must verify important information independently

✓ We are not financial advisors

5.3 Risk Acceptance

✓ You accept all risks of using this Platform

✓ You will not hold us liable for losses

✓ You understand markets are unpredictable

✓ You know past performance doesn't predict future results

✓ You acknowledge investments can become worthless

6. SPECIFIC RISK WARNINGS

6.1 Day Trading Risks

Day trading is extremely risky and most day traders lose money. Risks include:

Substantial financial losses
Psychological stress
Technology failures
High transaction costs
Tax complications

6.2 Leveraged Trading

If you trade with leverage or margin:

Losses can exceed your initial investment
You may owe more than you deposited
Positions can be forcibly closed
Interest charges apply
Bankruptcy is possible

6.3 Options and Derivatives

Complex instruments carry additional risks:

100% loss is common
Time decay erodes value
Complexity leads to mistakes
Liquidity can disappear
Pricing models may be wrong

7. REGULATORY DISCLAIMERS

7.1 Jurisdiction-Specific Warnings

United States Users:

We are not registered with the SEC or FINRA
Not compliant with Investment Advisers Act of 1940
Information provided under publisher's exclusion

European Union Users:

Not authorized under MiFID II
Not passported for EU financial services
No investor compensation scheme coverage

Canadian Users:

Not registered with Canadian Securities Administrators
Not a member of IIROC
No CIPF coverage

7.2 Your Local Laws

You must comply with your local laws
Some jurisdictions prohibit certain investments
Tax implications vary by location
Seek local professional advice

8. LIMITATION OF LIABILITY

8.1 No Liability for Losses

WE ARE NOT LIABLE FOR ANY:

Investment losses
Trading losses
Lost profits
Missed opportunities
Consequential damages
Indirect damages

8.2 Maximum Liability

Our maximum liability is limited to the subscription fees you paid in the last 12 months, if any.

8.3 Indemnification

You agree to indemnify and hold us harmless from any claims arising from your investment decisions.

9. PROFESSIONAL ADVICE DISCLAIMER

9.1 Consult Professionals

Always consult with qualified professionals:

Licensed financial advisors for investment advice
Certified accountants for tax matters
Attorneys for legal questions
Registered brokers for trading

9.2 Not a Substitute

Our Platform is NOT a substitute for:

Professional financial planning
Personalized investment advice
Tax consultation
Legal counsel
Fiduciary services

10. EMOTIONAL AND PSYCHOLOGICAL RISKS

10.1 Psychological Impact

Trading and investing can cause:

Severe stress and anxiety
Depression from losses
Addictive behaviors
Relationship problems
Sleep disturbances

10.2 Gambling Addiction

If you experience:

Inability to stop trading
Chasing losses
Borrowing money to trade
Lying about trading activities

Seek help immediately from mental health professionals

11. SPECIAL POPULATIONS WARNING

11.1 Retirees and Seniors

Risk of irreplaceable losses
Limited time to recover
Consider conservative approaches
Beware of fraud targeting seniors

11.2 Students and Young Investors

Avoid trading with student loans
Don't risk emergency funds
Education before speculation
Time is your advantage - think long-term

11.3 Inexperienced Investors

Start with education, not trading
Paper trade before real money
Understand what you invest in
Avoid complex instruments

12. FRAUD AND SCAM WARNINGS

12.1 Common Investment Scams

Beware of:

Guaranteed returns promises
"Risk-free" investments
Pump and dump schemes
Ponzi schemes
Forex scams
Cryptocurrency frauds

12.2 Protect Yourself

Never share account credentials
Verify broker registration
Research before investing
Report suspicious activities
If it seems too good to be true, it probably is

13. FINAL WARNINGS

⚠️ CRITICAL POINTS TO REMEMBER

THIS IS NOT INVESTMENT ADVICE
YOU CAN LOSE ALL YOUR MONEY
WE ARE NOT FINANCIAL ADVISORS
PAST PERFORMANCE ≠ FUTURE RESULTS
ALWAYS DO YOUR OWN RESEARCH
CONSULT QUALIFIED PROFESSIONALS
NEVER INVEST MORE THAN YOU CAN AFFORD TO LOSE

14. ACCEPTANCE OF RISKS

By using Finkipedia, you confirm that:

"I have read and understood this entire Risk Disclaimer. I understand that all information on Finkipedia is for educational and research purposes only. I acknowledge that I am solely responsible for my investment decisions and accept all associated risks. I understand that I may lose money, potentially all of it, if I make investment decisions based on any information from this Platform. I will not hold Finkipedia liable for any losses."

15. CONTACT INFORMATION

If you have questions about these risks:

Email: support@finkipedia.com
Please DO NOT ask for investment advice - we cannot and will not provide it

If you need investment advice:

Consult a licensed financial advisor in your jurisdiction
Contact your local securities regulator for registered advisors

EMERGENCY RESOURCES

If trading has negatively impacted your life:

Financial Distress:

National Foundation for Credit Counseling: 1-800-388-2227
Financial Planning Association: www.plannersearch.org

Mental Health Support:

National Suicide Prevention Lifeline: 988 (US)
Crisis Services Canada: 1-833-456-4566
International: www.iasp.info/resources/Crisis_Centres

Gambling Addiction:

National Council on Problem Gambling: 1-800-522-4700
Gamblers Anonymous: www.gamblersanonymous.org

This Risk Disclaimer is provided for your protection. Please take it seriously. Your financial wellbeing depends on understanding and accepting these risks.

INVEST RESPONSIBLY. SEEK PROFESSIONAL ADVICE. PROTECT YOUR FUTURE.

End of Risk Disclaimer

⚠️ Risk Disclaimer

CRITICAL FINANCIAL RISK WARNING