Investment Disclaimer

Last Updated: December 1, 2025

1. Not Financial Advice

Guardfolio AI does not provide financial advice, investment advice, or recommendations to buy or sell any securities or financial instruments.

All information, risk alerts, and content provided through our platform are for informational and educational purposes only. Our portfolio monitoring and risk analysis are generated by AI algorithms based on technical analysis and market patterns, but they do not constitute professional financial advice.

You should consult with a licensed financial advisor or investment professional before making any investment or portfolio decisions.

2. Investment Risks

2.1 Risk of Loss

Investing in financial markets involves a high degree of risk, including the risk of losing all or more than your initial investment. Market conditions can change rapidly, and past performance is not indicative of future results.

2.2 Specific Market Risks

• Stock Markets: Company-specific risks, market volatility, economic downturns, and regulatory changes
• Cryptocurrency Markets: Extreme volatility, regulatory uncertainty, security risks, and potential total loss of value
• Retirement Accounts: Long-term market risks, inflation risk, and potential changes to tax laws
• International Investments: Currency fluctuations, geopolitical events, and economic policy changes

2.3 Leverage and Margin

If you trade with leverage or margin in your portfolio, this amplifies both potential gains and potential losses. You can lose more than your initial investment when using leverage. Only use leverage if you fully understand the risks involved.

3. No Guaranteed Results

3.1 Past Performance

Past performance does not guarantee future results. Historical trading signals, backtesting results, and performance statistics are not indicative of future performance and should not be relied upon as a basis for trading decisions.

3.2 Hypothetical Performance

Any hypothetical or simulated performance results presented have inherent limitations. They do not reflect actual trading and may not account for slippage, commissions, market impact, or other real-world trading costs.

3.3 AI Limitations

While our AI algorithms analyze vast amounts of market data and portfolio metrics, they are not infallible. AI-generated risk alerts and analysis can be wrong, and market conditions can change unexpectedly. Technology failures, data errors, or algorithmic limitations may occur.

4. Your Responsibility

4.1 Independent Decision Making

You are solely responsible for your investment decisions and their outcomes. Guardfolio AI provides monitoring tools and risk information, but the ultimate decision to buy, sell, or hold any investment rests entirely with you.

4.2 Due Diligence

Before acting on any alert or information from our platform, you should:

• Conduct your own research and analysis
• Verify information from multiple sources
• Understand the risks associated with each investment
• Consider your financial situation and risk tolerance
• Review your broker's terms and conditions

4.3 Risk Management

You should implement proper risk management strategies, including:

• Never risking more than you can afford to lose
• Using stop-loss orders to limit potential losses
• Diversifying your portfolio across asset classes
• Position sizing appropriate to your account size
• Avoiding emotional or impulsive investment decisions
• Regular portfolio rebalancing based on your goals

5. Accuracy of Information

5.1 Data Sources

While we strive to provide accurate and timely information, we cannot guarantee the completeness, accuracy, or timeliness of data from third-party sources. Market data may be delayed, and errors can occur.

5.2 System Availability

Our platform and alert delivery systems may experience downtime, delays, or technical issues. We are not responsible for missed opportunities or portfolio changes due to system outages, internet connectivity problems, or third-party platform failures (Plaid, SnapTrade, email providers, etc.).

6. Regulatory Considerations

6.1 Not a Registered Investment Advisor

Guardfolio AI is not a registered investment advisor, broker-dealer, or financial institution. We do not execute trades, hold customer funds, or provide brokerage services. We provide portfolio monitoring and risk analysis tools only.

6.2 Compliance with Laws

You are responsible for complying with all applicable laws and regulations in your jurisdiction, including:

• Securities laws and investment regulations
• Tax reporting and payment obligations
• Anti-money laundering (AML) requirements
• Know Your Customer (KYC) regulations
• Data privacy and financial information protection laws

6.3 Geographic Restrictions

Our service may not be available or legal in all jurisdictions. It is your responsibility to ensure that your use of Guardfolio AI complies with local laws and regulations.

7. Third-Party Platforms

7.1 Broker Relationships

We are not affiliated with any specific broker or investment platform. You are responsible for selecting a reputable broker and understanding their fees, terms, and conditions.

7.2 Portfolio Integration Partners

Portfolio connections through Plaid and SnapTrade are subject to the terms and policies of those platforms. We are not responsible for their availability, security, or changes to their services. All portfolio data is accessed in read-only mode.

8. Performance Claims

8.1 Testimonials and Reviews

Any testimonials, user reviews, or success stories presented on our platform represent individual experiences and may not be representative of typical results. Your results may differ significantly.

8.2 Marketing Materials

Performance statistics and claims in marketing materials are provided for illustrative purposes only and should not be construed as guarantees of future performance or expected results.

9. Tax Implications

Investment profits may be subject to capital gains taxes and other tax obligations depending on your jurisdiction. Retirement account contributions and withdrawals have specific tax implications. You are responsible for understanding and complying with all tax reporting requirements. Consult a tax professional for advice specific to your situation.

10. Emotional and Psychological Considerations

Monitoring your portfolio and receiving risk alerts can be stressful and emotionally challenging. Portfolio losses can lead to anxiety, frustration, and impulsive decisions. Only invest with capital you can afford to lose, and be aware of the psychological impacts of market volatility on your well-being.

11. Limited Liability

Guardfolio AI, its affiliates, officers, directors, employees, and agents shall not be liable for any investment losses, missed opportunities, or damages arising from your use of our service.

By using Guardfolio AI, you acknowledge that you understand and accept all risks associated with investing and agree to hold us harmless from any losses or damages you may incur.

12. Educational Purpose

Our platform is designed to educate investors about portfolio risk management, diversification strategies, technical analysis, and AI-driven risk monitoring. We encourage users to learn continuously, practice risk management, and develop their own investment skills rather than relying solely on automated alerts.

13. Updates to This Disclaimer

We may update this disclaimer from time to time to reflect changes in our services, legal requirements, or industry best practices. Material changes will be communicated through our platform or via email.

14. Contact Information

If you have questions about this disclaimer or our services, please contact us:

• Email: [email protected]
• Legal: [email protected]
• Website: https://guardfolio.ai