Financial Disclaimer

1. Not Financial Advice

1.1 Educational Purpose Only

All content, data, analysis, insights, recommendations, and AI-generated responses provided through FinVI are for educational and informational purposes only. Nothing on this platform constitutes:

Financial advice or investment recommendations
Trading advice or buy/sell signals
Tax, legal, or accounting advice
Professional securities analysis
An offer to buy or sell securities
A solicitation of any kind

1.2 Consult a Licensed Professional

ALWAYS CONSULT A PROFESSIONAL:

Before making ANY investment decision, you should consult with a licensed financial advisor, certified public accountant (CPA), or other qualified professional who understands your specific financial situation, goals, and risk tolerance.

We are not licensed financial advisors and cannot provide personalized financial advice tailored to your individual circumstances.

1.3 AI-Generated Content Disclaimer

Our Service uses artificial intelligence (Claude by Anthropic) to generate responses and analysis. You acknowledge and understand that:

AI is probabilistic: Responses may contain errors, inaccuracies, or "hallucinations"
No guarantees: AI-generated content is not verified for accuracy or completeness
Not personalized advice: AI responses do not account for your specific financial situation
Verify independently: You must independently verify all information before acting on it
Use at your own risk: We are not responsible for decisions based on AI-generated content

2. Investment Risks

2.1 Risk of Loss

SUBSTANTIAL RISK OF LOSS:

Trading stocks, options, futures, and other securities involves substantial risk of loss. You could lose some or all of your invested capital. Never invest money you cannot afford to lose. Never borrow money to invest. Never invest based solely on information from this platform.

2.2 Common Investment Risks

Investing involves various risks, including but not limited to:

Market Risk: Overall market declines can affect all securities
Volatility Risk: Stock prices can fluctuate dramatically
Liquidity Risk: You may not be able to sell securities when needed
Company-Specific Risk: Individual companies may fail or underperform
Sector Risk: Entire industries can decline simultaneously
Economic Risk: Recessions and economic downturns affect investments
Political Risk: Government actions and regulations can impact markets
Currency Risk: Exchange rate fluctuations (for international stocks)
Inflation Risk: Rising inflation erodes purchasing power
Interest Rate Risk: Changes in interest rates affect securities prices

2.3 Past Performance

Past performance is NOT indicative of future results. Historical data, backtests, and hypothetical scenarios do not guarantee future performance. Just because a stock performed well in the past does not mean it will continue to do so.

3. Data Accuracy and Reliability

3.1 No Guarantee of Accuracy

We do NOT guarantee the accuracy, completeness, or timeliness of any data, information, or analysis provided through the Service. This includes:

Stock prices and market data
Company financial information
News and sentiment analysis
Historical data and charts
Analyst ratings and price targets
AI-generated insights and analysis

3.2 Third-Party Data Sources

Our Service aggregates data from third-party sources, including:

Yahoo Finance: Stock prices (15-minute delayed on free tier), company data
Reddit: Social sentiment from r/wallstreetbets and other subreddits
News APIs: Financial news articles and headlines
Other sources: Various financial data providers

We do not control these third-party sources and are not responsible for their accuracy, availability, or reliability. These sources may contain errors, delays, or omissions.

3.3 Delayed Data

Unless you have a paid subscription with real-time data access, stock prices and market data are delayed by at least 15 minutes. This delay can be significant during periods of high volatility.

3.4 Verify Before Acting

Always Verify Independently:

Before making any trading or investment decision, you MUST independently verify all information through official sources, such as SEC filings, company investor relations, and your broker's platform.

4. Limitation of Liability

4.1 No Liability for Losses

CRITICAL LIMITATION:

WE ARE NOT LIABLE FOR ANY TRADING LOSSES, INVESTMENT LOSSES, OR FINANCIAL DAMAGES ARISING FROM YOUR USE OF THE SERVICE. This includes but is not limited to:

Losses from trades executed based on information from the Service
Missed opportunities due to delayed or inaccurate data
Losses from failed alerts or notifications
Damages from service outages or downtime
Losses from AI-generated errors or "hallucinations"
Any indirect, consequential, or punitive damages

4.2 Your Responsibility

You acknowledge and agree that:

You are solely responsible for all trading and investment decisions
You use the Service at your own risk
You will conduct your own research and due diligence
You will not rely solely on information from the Service
You understand the risks of trading and investing
You will consult with licensed professionals before investing

5. Regulatory Compliance

5.1 Not Registered with SEC

FinVI is NOT registered with the U.S. Securities and Exchange Commission (SEC) as:

An investment advisor
A broker-dealer
A registered investment company
A financial advisor or planner

5.2 Not FINRA Member

We are not a member of the Financial Industry Regulatory Authority (FINRA) and do not provide services regulated by FINRA.

5.3 No SIPC Protection

FinVI is NOT a brokerage firm. Your use of the Service is not covered by the Securities Investor Protection Corporation (SIPC) or any similar investor protection program. We do not hold your securities or cash.

6. Specific Disclaimers

6.1 Social Sentiment Analysis

Our sentiment analysis from Reddit and other social platforms is:

Based on publicly available posts and comments
Not verified for accuracy or authenticity
Subject to manipulation, bots, and fake accounts
Not predictive of future stock performance
Potentially biased or misleading

Social sentiment should NEVER be the sole basis for investment decisions.

6.2 Price Alerts

Price alerts and notifications are provided as a convenience only. We do not guarantee:

Timely delivery of alerts
Accuracy of alert triggers
Availability of the alert system
That you will receive all alerts

Do not rely solely on our alerts for time-sensitive trading decisions.

6.3 Brokerage Integration (Elite Tier)

If you connect your Interactive Brokers account to FinVI:

We are NOT responsible for trading decisions made through IBKR
We do NOT execute trades on your behalf
We do NOT have access to your funds
You remain solely responsible for all trades executed in your account
We are not liable for errors in portfolio sync or data discrepancies

6.4 Tax Implications

We do NOT provide tax advice. Trading and investing have significant tax implications. You should:

Consult with a certified public accountant (CPA) or tax professional
Understand capital gains taxes, wash sale rules, and other tax regulations
Maintain proper records of all trades
Report all taxable events to the IRS

7. Forward-Looking Statements

Any projections, forecasts, estimates, or predictions (whether from our AI or other sources) are "forward-looking statements" that are inherently uncertain. These statements:

Are based on assumptions that may prove incorrect
Do not guarantee future results
May not materialize or may differ materially from actual results
Should not be relied upon as fact

Actual future results may differ materially from any forward-looking statements due to numerous factors beyond our control or prediction.

8. Suitability and Risk Tolerance

Before investing in any security, you should consider:

Your investment objectives and financial goals
Your risk tolerance and ability to sustain losses
Your time horizon and liquidity needs
Your overall financial situation and net worth
Your investment knowledge and experience
The suitability of the investment for your specific situation

Some investments discussed on the platform may be:

Highly volatile and speculative
Suitable only for experienced investors
Inappropriate for conservative investors
Subject to significant risk of total loss

9. Updates and Changes

We may update this disclaimer at any time without notice. Changes are effective immediately upon posting. Your continued use of the Service after changes constitutes acceptance of the updated disclaimer.

We encourage you to review this disclaimer regularly to stay informed of our policies.

10. Questions

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

Email: legal@companion.ai

Support: support@companion.ai

Final Acknowledgment

BY USING FinVI, YOU ACKNOWLEDGE AND AGREE THAT:

You have read and understood this entire disclaimer
You understand that FinVI is NOT a financial advisor
You understand the substantial risks of trading and investing
You will conduct your own research and due diligence
You will consult with licensed professionals before investing
You will not rely solely on information from the Service
You are solely responsible for all investment decisions
You accept full responsibility for any losses incurred
You will not hold FinVI liable for any trading or investment losses

IF YOU DO NOT AGREE TO THIS DISCLAIMER, YOU MUST NOT USE THE SERVICE.