Disclaimer - Stock Investment Community

CRITICAL INVESTMENT WARNING

ALL INVESTMENTS CARRY RISK OF LOSS. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. YOU COULD LOSE SOME OR ALL OF YOUR INVESTMENT.

1. No Financial Advice

The information provided through our platform, including content shared via WhatsApp, Line, Band, KakaoTalk, and other social media channels, is for educational and informational purposes only.

Nothing on our platform constitutes:

Professional financial, investment, or trading advice
Personalized investment recommendations
An offer to buy or sell securities
A solicitation of investment services
Tax, legal, or accounting advice
A guarantee of investment performance

You should always consult with qualified financial advisors, tax professionals, and legal experts before making any investment decisions.

2. Investment Risks

2.1 General Market Risks

Risk Type	Description	Potential Impact
Market Risk	Overall market decline affecting all investments	Significant portfolio losses
Volatility Risk	Rapid price fluctuations in individual securities	Unpredictable short-term losses
Liquidity Risk	Inability to sell investments quickly	Forced to sell at unfavorable prices
Inflation Risk	Rising costs reducing purchasing power	Real returns below inflation rate
Currency Risk	Exchange rate fluctuations (for international investments)	Additional losses from currency movements

2.2 Specific Investment Risks

Individual Stocks: Company-specific risks including bankruptcy, management issues, competitive pressures
Growth Stocks: Higher volatility and potential for significant losses during market downturns
Small-Cap Stocks: Greater volatility, limited liquidity, higher failure rates
International Investments: Political instability, regulatory changes, currency fluctuations
Sector-Specific Investments: Industry-wide risks affecting entire sectors
Leveraged Investments: Amplified losses through borrowed capital

3. Platform and Service Disclaimers

3.1 Information Accuracy

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, reliability, suitability, or availability of any information, products, services, or related graphics.

3.2 Data Sources

Market data may be delayed or inaccurate
Third-party data sources may contain errors
Historical data may not reflect current market conditions
Analysis is based on available information at the time of publication

3.3 Technology Limitations

Platform outages may prevent access to time-sensitive information
Technical errors may affect data accuracy
Internet connectivity issues may impact service delivery
Mobile app functionality may vary by device and operating system

4. Social Media Platform Disclaimers

4.1 Third-Party Platform Risks

Our services operate through various social media platforms, each with their own risks and limitations:

WhatsApp:

Messages may be subject to encryption limitations
Group size restrictions may limit participation
Platform outages may disrupt communication
Meta's policies may affect service availability

Line:

Regional restrictions may apply in certain countries
Data storage policies vary by jurisdiction
Service interruptions may occur during maintenance
Feature availability differs across regions

Band:

File sharing limitations may restrict content delivery
Group management features may have restrictions
Platform discontinuation risk
Limited integration with other services

KakaoTalk:

Primarily optimized for Korean users
International usage may have limitations
Compliance with Korean regulations required
Language barriers may affect communication

5. User Responsibilities

5.1 Due Diligence

You are responsible for:

Conducting your own research before making investment decisions
Verifying information from multiple sources
Understanding your risk tolerance and investment objectives
Consulting with qualified professionals
Staying informed about market conditions and regulatory changes

5.2 Risk Management

Never invest more than you can afford to lose
Diversify your investment portfolio
Set appropriate stop-loss levels
Regularly review and rebalance your investments
Keep emergency funds separate from investment capital

6. Limitation of Liability

IMPORTANT LEGAL NOTICE

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES OR ANY INVESTMENT DECISIONS MADE BASED ON INFORMATION PROVIDED THROUGH OUR PLATFORM.

6.1 Excluded Damages

We are not liable for:

Investment losses or missed opportunities
Trading errors or execution delays
Platform downtime or technical issues
Third-party data errors or delays
Social media platform disruptions
Regulatory changes affecting investments
Market volatility or economic downturns

7. Regulatory Compliance

7.1 Jurisdictional Variations

Investment regulations vary by country and jurisdiction. Users are responsible for ensuring compliance with local laws and regulations, including:

Securities regulations in their country of residence
Tax reporting requirements for investment gains/losses
Foreign investment restrictions and reporting obligations
Professional licensing requirements for investment advice

7.2 Regulatory Disclaimers by Region

United States: Not registered with SEC or FINRA. Not providing investment advice under Investment Advisers Act.

European Union: Not authorized under MiFID II. Educational content only, not investment recommendations.

United Kingdom: Not authorized by FCA. Content not intended for UK retail investors.

Canada: Not registered with provincial securities commissions. Exempt market dealer rules may apply.

Australia: Not holding AFSL. General information only, not personal financial advice.

Japan: Not registered with JFSA. Information sharing only, not investment solicitation.

South Korea: Complying with FSCMA. Educational content only, not investment consultation.

8. Forward-Looking Statements

Any forward-looking statements, predictions, or forecasts made through our platform are based on current expectations and assumptions. Actual results may differ materially from these statements due to various factors including market conditions, economic changes, and unforeseen events.

9. Intellectual Property

All content, analysis, and materials provided through our platform are protected by intellectual property laws. Unauthorized reproduction, distribution, or commercial use is prohibited without explicit written consent.

10. Changes and Updates

This disclaimer may be updated periodically to reflect changes in our services, applicable laws, or regulatory requirements. Users are advised to review this disclaimer regularly for any changes.

Legal Contact Information

For legal or compliance-related questions regarding this disclaimer:

Legal Department: [email protected]
Compliance Officer: [email protected]
General Counsel: [email protected]
Address: 1455 Market Street, Suite 1600, San Francisco, CA 94103, USA
Phone: +1 (415) 555-0125 (Legal Department)

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Investment Disclaimer