Risk Disclosure

1.1 Introduction

Financial markets involve significant risk and may not be suitable for all investors.

Before using any platform feature, interacting with experts, or making investment decisions, users should carefully assess:

• their financial objectives;
• risk profile;
• time horizon;
• financial experience;
• and ability to sustain losses.

Users acknowledge that any investment may result in a partial or total loss of invested capital.

1.2 Market Risk

The prices of financial instruments may experience significant fluctuations due to:

• economic conditions;
• geopolitical events;
• regulatory changes;
• interest rates;
• inflation;
• liquidity;
• market volatility;
• unforeseeable external factors.

Financial markets may experience periods of high instability and volatility.

1.3 Risk of Capital Loss

Any investment involves the risk of financial loss.

Users acknowledge that:

• they may lose part or all of the invested capital;
• there are no guarantees of return;
• investment strategies may not produce the expected results.

1.4 Past Performance

Past performance does not constitute a guarantee of future results.

Historical results, simulations, projections, or backtests:

• do not guarantee future performance;
• may not reflect actual market conditions;
• may be based on variable assumptions.

1.5 Liquidity Risk

Certain financial instruments may:

• have reduced liquidity;
• be difficult to execute;
• be subject to wide spreads;
• temporarily become difficult to trade.

In certain market conditions, it may not be possible to buy or sell assets at the desired prices.

1.6 Currency Risk

Investments exposed to foreign currencies may be impacted by:

• exchange rate fluctuations;
• macroeconomic changes;
• monetary policies;
• volatility in currency markets.

Currency fluctuations may significantly affect the value of investments.

1.7 Technological Risk

The use of digital platforms, technological tools, and automated systems involves operational and technological risks, including:

• technical failures;
• temporary unavailability;
• system interruptions;
• operational errors;
• connectivity failures;
• processing delays;
• cyber risks.

Investment Talks seeks to implement adequate security and operational continuity measures, but does not guarantee uninterrupted availability of services.

1.8 Risk Associated with Artificial Intelligence

Certain platform features may use:

• artificial intelligence;
• machine learning;
• quantitative models;
• automated analysis systems.

Generated outputs may:

• contain limitations;
• present inaccuracies;
• depend on the quality of external data;
• not fully reflect real market conditions.

AI features should be used as analytical support tools and not as guarantees of results or certain forecasts.

1.9 Risk Related to Experts and Third-Party Services

The platform may allow interaction with:

• independent experts;
• advisors;
• regulated partners;
• third-party providers.

Opinions, analyses, or services provided by third parties may:

• reflect subjective assessments;
• depend on their own assumptions;
• be subject to specific regulatory frameworks.

Investment Talks may act exclusively as a technological platform or operational facilitator of these interactions.

1.10 Crypto-Asset and Digital Asset Risk

Crypto-assets and digital assets present high levels of:

• volatility;
• technological risk;
• regulatory risk;
• operational risk;
• liquidity risk.

The prices of these assets may experience extreme fluctuations over short periods.

Regulatory changes or technological events may significantly impact the value and tradability of these assets.

1.11 Investment Decisions

Any investment decision remains the sole responsibility of the user.

Users should:

• carefully analyse the risks involved;
• assess the suitability of strategies for their profile;
• understand the financial instruments used;
• and, where appropriate, seek additional professional advice.

1.12 Limitation of Liability

Investment Talks shall not be liable for:

• financial losses;
• indirect losses;
• investment decisions made by users;
• market performance;
• volatility;
• third-party failures;
• technological unavailability;
• results arising from the use of the platform or its features.

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