Investment Disclaimer

Important Notice

Stock Expert AI is an educational and analytical platform. We do NOT provide investment advice, financial planning services, or personalized recommendations. All content is for informational purposes only.

1. Not Investment Advice

Stock Expert AI is NOT a registered investment adviser, broker-dealer, or financial planner. None of the information provided on this platform should be construed as:

• Investment advice or recommendations
• An offer to buy or sell securities
• Personalized financial planning guidance
• Tax, legal, or accounting advice
• A guarantee of investment returns

You should consult with a qualified financial adviser before making any investment decisions.

2. AI-Generated Content

Our platform uses artificial intelligence (MoonAI proprietary technologies) to analyze market data and generate insights. Please understand:

• AI models can make errors, produce biased outputs, or generate inaccurate information
• AI insights are based on historical data and patterns, which may not predict future performance
• Market conditions change rapidly, and AI analysis may become outdated
• AI cannot account for all market variables, black swan events, or systemic risks
• Our AI should be used as one tool among many in your research process

Never make investment decisions based solely on AI-generated content.

3. Investment Risks

All investments involve risk, including the possible loss of principal. Before investing, consider:

• Market Risk: Stock prices fluctuate and can decline significantly
• Volatility: Sudden price swings can result in substantial losses
• Liquidity Risk: You may not be able to sell investments quickly at desired prices
• Company-Specific Risk: Individual stocks can become worthless
• Economic Risk: Recessions, inflation, and policy changes affect markets
• Currency Risk: International investments face exchange rate fluctuations
• Concentration Risk: Over-reliance on specific sectors or stocks increases vulnerability

4. Past Performance

Past performance does not guarantee future results. Historical returns, backtested strategies, and previous predictions shown on our platform are not indicative of future performance. Markets are unpredictable, and what worked in the past may not work in the future.

5. Community Predictions

Stock Expert AI includes community prediction features where users forecast stock movements. Please note:

• Community predictions are opinions from individual users, not professional advice
• Prediction accuracy varies widely and is not guaranteed
• Popular predictions do not indicate correct predictions
• Leaderboard rankings are based on past performance, which doesn't predict future success
• Users may have conflicts of interest or biases

Do not follow community predictions blindly. Always conduct your own research.

6. Data Accuracy

While we source data from reputable providers (FMP, Alpaca, Alpha Vantage, Finnhub):

• Data may be delayed by 15-20 minutes or more
• Errors, omissions, or inaccuracies can occur in third-party data
• System outages may cause temporary data unavailability
• We are not responsible for data provider errors

Always verify critical information from official sources before trading.

7. Forward-Looking Statements

Content on our platform may include forward-looking statements about market trends, company prospects, or economic conditions. These statements are based on current information and assumptions, which may prove incorrect. Actual results may differ materially from forecasts or expectations.

8. Portfolio Scanner Disclaimer

Our Portfolio Scanner analyzes your existing holdings to provide educational insights. This analysis:

• Is NOT a recommendation to buy, hold, or sell any security
• Does not consider your personal financial situation, goals, or risk tolerance
• May not account for all portfolio factors (tax consequences, liquidity needs, time horizon)
• Should not replace professional portfolio review by a financial adviser

9. Sector and Market Analysis

Our sector analysis and market commentary reflect general observations and educational content. They are not tailored to your individual circumstances and should not be relied upon as the sole basis for investment decisions.

10. Third-Party Links

Our platform may contain links to third-party websites or resources. We are not responsible for the content, accuracy, or practices of these external sites. Use of third-party links is at your own risk.

11. Limitation of Liability

To the maximum extent permitted by law, Stock Expert AI and its affiliates shall not be liable for any investment losses, damages, or financial harm arising from:

• Use of our platform or reliance on our content
• AI-generated insights or community predictions
• Data inaccuracies or system errors
• Market volatility or investment performance

12. Regulatory Status

Stock Expert AI (StockExpertAI LLC) is not registered with the U.S. Securities and Exchange Commission (SEC), FINRA, or any state securities regulator, is not an investment adviser, broker-dealer or fiduciary, and holds no securities licenses. Nothing on this site is a solicitation or an offer to buy or sell any security. Users are responsible for their own compliance with applicable securities laws.

13. Options, Derivatives and Leverage

Educational material on this site may describe options, futures, leveraged or inverse products and margin. These instruments can lose value rapidly, may expire worthless, and losses can exceed the amount invested. Options are not suitable for all investors; read the Characteristics and Risks of Standardized Options before trading. Nothing here is a recommendation to use any derivative or leverage.

14. Virtual Trading, Predictions and Congress Radar

• Virtual trading: paper-trading features use simulated fills and no real money; simulated results ignore slippage, fees, liquidity and taxes and are not indicative of live results.
• Congress Radar: congressional trading data comes from public STOCK Act disclosures, which members may file up to 45 days after a trade and which report ranges, not exact amounts. It is historical, delayed and incomplete by design, and is not a signal to copy.
• Community predictions: user predictions and leaderboards are opinions and game results, not credentials or advice (see section 5).

15. Your Responsibility

16. Contact

For questions about this disclaimer, contact us at sedat@stockexpertai.com