Financial Disclaimer

1.1 Informational and Technological Nature of the Platform

Investment Talks provides an integrated financial technology platform combining:

• analytical tools;
• artificial intelligence-based features;
• simulators and portfolio intelligence systems;
• informational and educational content;
• access to financial experts;
• integration with regulated partners and third-party services, where applicable.

Certain platform features are exclusively:

• technological;
• informational;
• analytical;
• educational.

Other services may involve:

• personalised analysis;
• advisory;
• recommendation services;
• or regulated services provided by duly authorised independent experts or partners, as applicable.

1.2 No Guarantee of Results

• Investment Talks does not guarantee returns, asset appreciation, financial performance, future results, or the absolute suitability of any strategies or tools provided.
• Financial markets involve significant risk and investment results may vary substantially.
• Past performance does not constitute a guarantee of future results.

1.3 Simulations, Analytics, and Technological Tools

Simulations, projections, scoring, rankings, watchlists, analytics, and other features provided:

• are purely indicative in nature;
• may be based on variable assumptions;
• may use quantitative, algorithmic, or artificial intelligence models;
• do not represent certain market forecasts;
• do not guarantee investment results.

Users acknowledge that any information provided should be interpreted in the context of the volatility and uncertainty inherent in financial markets.

1.4 Artificial Intelligence Tools

The platform may use:

• artificial intelligence;
• machine learning;
• algorithmic models;
• automated analysis and decision-support systems.

Outputs generated by AI systems:

• may contain limitations;
• may present inaccuracies;
• may depend on third-party data;
• do not replace professional human assessment;
• should not be interpreted in isolation as a definitive investment recommendation.

1.5 Experts Marketplace

The platform may provide access to independent financial experts, advisors, consultants, or external professionals.

Opinions, analyses, recommendations, or content provided by such experts:

• may reflect individual opinions;
• may have their own regulatory frameworks;
• are the responsibility of the respective professionals or entities.

Investment Talks may act exclusively as a technological platform or operational facilitator of interaction between users and experts.

1.6 Regulated Partners

Certain services provided through the platform may be executed or operationalised by regulated partners, authorised entities, or third-party financial institutions.

Where applicable:

• the entity responsible for providing the regulated service will be identified to the user;
• those entities' own terms, policies, and regulatory frameworks may apply.

1.7 User Responsibility

Any investment decision remains the sole responsibility of the user.

The user acknowledges that they should:

• carefully assess their financial objectives;
• consider their risk profile;
• analyse their financial situation;
• and, where appropriate, seek additional professional advice before making investment decisions.

1.8 Limitation of Liability

Investment Talks shall not be liable for:

• financial losses;
• indirect losses;
• investment decisions made by users;
• market volatility;
• temporary unavailability of systems;
• technological failures;
• market delays;
• inaccuracy of data provided by third parties;
• results arising from the use of the platform's features.

1.9 Investment Risk

Investments in financial instruments involve significant risk, including:

• risk of partial or total loss of capital;
• market volatility;
• currency risk;
• liquidity risk;
• credit risk;
• technological risk;
• risk associated with derivatives and crypto-assets.

Users acknowledge that financial markets may experience significant and unpredictable fluctuations.

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