Investment Disclaimer

Last Updated: November 25, 2025

1. Not Investment Advice

StockValueAI is not a registered investment adviser, broker-dealer, or financial advisor. The information, analyses, valuations, and content provided on this platform are for educational and informational purposes only and should not be construed as:

• Investment advice
• Financial advice
• Trading advice
• Recommendations to buy, sell, or hold any security
• Tax, legal, or accounting advice

Nothing on this platform constitutes a solicitation, recommendation, endorsement, or offer by StockValueAI to buy or sell any securities or other financial instruments.

2. Educational Purposes Only

All stock valuations, DCF (Discounted Cash Flow) analyses, FCF (Free Cash Flow) models, revenue-multiple calculations, and related content are provided solely for educational purposes to help you:

• Learn about different valuation methodologies
• Understand how intrinsic value is calculated
• Conduct your own independent investment research
• Develop your own investment thesis

You should use this information as one of many inputs in your own due diligence process, not as the sole basis for investment decisions.

3. Do Your Own Research

You are solely responsible for your own investment decisions. Before making any investment:

• Conduct your own thorough research and analysis
• Verify all data and assumptions independently
• Consider your individual financial situation, risk tolerance, and investment objectives
• Consult with a qualified financial advisor, accountant, or attorney
• Read company financial statements, SEC filings, and other official disclosures

Never invest based solely on information from any single source, including StockValueAI.

4. No Guarantees or Warranties

We make no representations or warranties regarding the accuracy, completeness, timeliness, or reliability of any information provided through StockValueAI. Specifically:

4.1 Data Accuracy

• Stock prices may be delayed by up to 15 minutes (free-tier API limitations)
• Financial data is sourced from third-party providers (Polygon.io) and may contain errors
• Historical data may be incomplete or inaccurate
• Company fundamentals may not reflect recent events or filings

4.2 Valuation Limitations

• All valuation models are based on assumptions that may prove incorrect
• Different methodologies (DCF, FCF, Revenue Multiple) may produce different results
• Scenario analyses (Conservative, Moderate, Optimistic, Aggressive) are speculative
• Past performance is not indicative of future results
• Intrinsic value calculations are opinions, not facts

4.3 Market Conditions

• Markets are unpredictable and subject to rapid changes
• Valuations can become outdated quickly due to news, earnings, or market events
• Macro factors (interest rates, economic conditions, geopolitics) can override fundamentals

5. Investment Risks

All investments involve risk, including the possible loss of principal. Investing in securities carries risks including but not limited to:

5.1 Market Risk

The value of securities can decline due to general market conditions, economic factors, or investor sentiment, regardless of a company's fundamentals.

5.2 Company-Specific Risk

Individual companies may experience poor performance, management issues, competitive threats, regulatory problems, or bankruptcy.

5.3 Valuation Risk

A stock trading below its calculated "intrinsic value" may continue to decline or remain undervalued indefinitely. A stock trading above its calculated intrinsic value may continue to rise due to market dynamics.

5.4 Liquidity Risk

Some securities may be difficult to sell quickly at fair prices, especially during market stress.

5.5 Concentration Risk

Focusing investments in a small number of securities or sectors increases risk exposure.

6. Past Performance

Past performance is not indicative of future results. Historical returns, backtests, and track records do not guarantee future performance. Market conditions change, and what worked in the past may not work in the future.

7. No Fiduciary Duty

StockValueAI does not have a fiduciary relationship with you. We do not consider your individual circumstances, financial situation, risk tolerance, or investment objectives when generating analyses. Our valuations are generic and not tailored to any specific person.

8. Third-Party Information

We rely on third-party data providers (including Polygon.io, public company filings, and other sources). We do not independently verify the accuracy of this information and cannot be held responsible for errors, omissions, or delays in third-party data.

9. Opinions and Forward-Looking Statements

All analyses, valuations, and projections represent opinions based on assumptions about future events. These forward-looking statements are speculative and subject to change. Actual results may differ materially from projections.

10. No Ongoing Obligation

We have no obligation to update analyses, correct errors, or notify you of changes in valuations. Company circumstances and market conditions can change rapidly, making analyses outdated.

11. Conflicts of Interest

While we strive for objectivity, be aware that:

• We may hold positions in securities we analyze (though we do not currently)
• We may receive compensation from third-party services (e.g., affiliate links)
• Our business model (credit-based pricing) may create incentives to encourage frequent analyses

12. Regulatory Status

StockValueAI is NOT:

• A registered investment adviser (RIA) with the SEC or any state authority
• A broker-dealer registered with FINRA
• A certified financial planner (CFP)
• A chartered financial analyst (CFA)
• Subject to regulatory oversight by securities regulators

We are a software platform providing educational tools and information.

13. International Users

This platform is operated from the United States and primarily covers U.S. securities. If you are located outside the United States:

• Local securities laws and regulations may apply to you
• Tax treatment of investments may differ in your jurisdiction
• You are responsible for compliance with your local laws
• Currency exchange risks may apply

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STOCKVALUEAI AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY LOSSES, DAMAGES, OR COSTS ARISING FROM YOUR USE OF THE PLATFORM OR ANY INVESTMENT DECISIONS BASED ON INFORMATION PROVIDED THROUGH THE PLATFORM.

This includes but is not limited to:

• Investment losses
• Lost profits or opportunity costs
• Errors in data or calculations
• Service interruptions or technical issues
• Reliance on outdated information

15. Acknowledgment

By using StockValueAI, you acknowledge that:

• You have read and understand this disclaimer
• You agree that the information provided is for educational purposes only
• You will conduct your own independent research before making investment decisions
• You accept full responsibility for your investment decisions and their outcomes
• You understand the risks of investing in securities
• You will not hold StockValueAI liable for any investment losses

16. Seek Professional Advice

We strongly encourage you to consult with qualified professionals before making investment decisions:

• Financial Advisor: To help you develop an investment strategy aligned with your goals
• Tax Advisor: To understand the tax implications of your investments
• Attorney: For legal matters related to investments or estate planning
• Accountant: For financial planning and record-keeping

This disclaimer is part of our Terms of Service. By using StockValueAI, you agree to be bound by this disclaimer and our full Terms of Service.