⚠️ Risk Disclosure Statement

MANDATORY READING - Last Updated: January 2026

1. Educational Platform - Not Investment Advice

THIS IS AN EDUCATIONAL PLATFORM ONLY.

• We provide educational tools for learning about market research methodologies
• WE DO NOT: Provide investment advice, trade recommendations, or portfolio management
• WE ARE NOT: Registered as investment advisors with the SEC or state regulators
• NO FIDUCIARY DUTY: We have no legal obligation to act in your best interest
• INDEPENDENT RESEARCH REQUIRED: You must verify all information independently

2. Risk of Total Loss

INVESTING CAN RESULT IN COMPLETE LOSS OF CAPITAL.

• Total Loss: You may lose 100% of money invested
• Partial Loss: Even "safe" investments carry loss risk
• No Insurance: Most investments are not FDIC insured
• Market Volatility: Prices can fluctuate dramatically
• Leverage Risk: Borrowed money magnifies losses

3. No Performance Guarantees

WE MAKE NO PROMISES ABOUT INVESTMENT RESULTS.

• Past Performance: Historical returns do NOT predict future results
• No Profit Guarantee: We cannot and do not guarantee profitability
• Hypothetical Results: Simulated performance may not reflect actual trading
• Individual Results Vary: Your outcomes may differ significantly

4. Information Accuracy Disclaimer

INFORMATION MAY CONTAIN ERRORS OR BE OUTDATED.

• No Warranty: We do not guarantee accuracy or completeness
• Delays: Market data may be delayed or inaccurate
• Third-Party Sources: We rely on external data providers
• Technical Errors: Software bugs may produce incorrect information
• Human Error: Content may contain mistakes

5. Market Risks

FINANCIAL MARKETS ARE INHERENTLY RISKY.

• Market Risk: Overall market declines affect all investments
• Company Risk: Individual companies can fail
• Liquidity Risk: You may not be able to sell when needed
• Currency Risk: Exchange rates can cause losses
• Interest Rate Risk: Rate changes affect investment values
• Inflation Risk: Purchasing power may decline
• Political Risk: Government actions can impact markets

6. Specific Investment Risks

Stocks/Equities:

• Can lose entire value if company fails
• Volatile price movements
• No guaranteed dividends

Bonds/Fixed Income:

• Default risk (issuer may not repay)
• Interest rate risk affects bond prices
• Inflation can erode returns

Options/Derivatives:

• Extremely high risk
• Can lose more than initial investment (short positions)
• Complex instruments requiring expertise

Cryptocurrencies:

• Extremely volatile and speculative
• No regulatory protection
• Total loss is common

7. Your Responsibilities

YOU ARE SOLELY RESPONSIBLE FOR YOUR INVESTMENT DECISIONS.

• Consult Professionals: MUST work with SEC-registered advisors
• Independent Research: Verify all information yourself
• Understand Risks: Only invest in what you understand
• Financial Capacity: Only invest money you can afford to lose
• Diversification: Do not put all funds in one investment
• Tax Consequences: Consult tax professionals

8. No Liability

WE ARE NOT LIABLE FOR YOUR INVESTMENT LOSSES.

• We assume NO responsibility for your investment outcomes
• We are NOT liable for errors in content or data
• You waive all claims against us for financial losses
• This is an educational platform, not advisory service

9. Required Professional Consultation

YOU MUST CONSULT QUALIFIED PROFESSIONALS.

• Investment Advisors: SEC-registered or state-licensed only
• Tax Professionals: CPAs or enrolled agents
• Legal Counsel: Attorneys for complex transactions
• Financial Planners: CFP® or similar credentials

10. Regulatory Compliance

We are NOT registered with:

• Securities and Exchange Commission (SEC)
• Financial Industry Regulatory Authority (FINRA)
• State securities regulators
• Commodity Futures Trading Commission (CFTC)

This platform operates as an educational resource only.

Contact Information

StockInsight Analytics
2150 Shattuck Avenue, Suite 1300, Berkeley, CA 94704, United States
Email: info@hsxytz.com