Guardfolio AI Guardfolio AI

Investment Disclaimer

Last Updated: December 9, 2025

⚠️ IMPORTANT RISK DISCLOSURE

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. The value of investments and any income from them can go down as well as up. You may not get back the amount you originally invested. Market conditions, economic factors, and individual security performance can significantly impact investment outcomes.

Investing in stocks, cryptocurrencies, ETFs, mutual funds, and other financial instruments involves substantial risk of loss and is not suitable for all investors. You should carefully consider whether investing is appropriate for you in light of your experience, objectives, financial resources, and other relevant circumstances.

1. Not Financial or Investment Advice

Guardfolio AI does not provide financial advice, investment advice, or recommendations to buy or sell any securities or financial instruments.

Guardfolio AI is a portfolio monitoring and alerting tool provided for informational purposes only. The content, features, alerts, and insights provided by this service do not constitute financial advice, investment recommendations, or any form of professional guidance. We do not provide personalized investment advice or recommendations to buy, sell, or hold any securities.

All information, risk alerts, and content provided through our platform are for informational and educational purposes only. Our portfolio monitoring and risk analysis are generated by AI algorithms based on technical analysis and market patterns, but they do not constitute professional financial advice.

You should consult with a licensed financial advisor or investment professional before making any investment or portfolio decisions.

2. Investment Risks

2.1 Risk of Loss

Investing in financial markets involves a high degree of risk, including the risk of losing all or more than your initial investment. Market conditions can change rapidly, and past performance is not indicative of future results.

2.2 Specific Market Risks

2.3 Leverage and Margin

If you trade with leverage or margin in your portfolio, this amplifies both potential gains and potential losses. You can lose more than your initial investment when using leverage. Only use leverage if you fully understand the risks involved.

3. No Guaranteed Results

3.1 Past Performance

Past performance does not guarantee future results. Historical trading signals, backtesting results, and performance statistics are not indicative of future performance and should not be relied upon as a basis for trading decisions.

3.2 Hypothetical Performance

Any hypothetical or simulated performance results presented have inherent limitations. They do not reflect actual trading and may not account for slippage, commissions, market impact, or other real-world trading costs.

3.3 AI Limitations

While our AI algorithms analyze vast amounts of market data and portfolio metrics, they are not infallible. AI-generated risk alerts and analysis can be wrong, and market conditions can change unexpectedly. Technology failures, data errors, or algorithmic limitations may occur.

4. Your Responsibility

4.1 Independent Decision Making

You are solely responsible for your investment decisions and their outcomes. Guardfolio AI provides monitoring tools and risk information, but the ultimate decision to buy, sell, or hold any investment rests entirely with you.

4.2 Due Diligence

Before acting on any alert or information from our platform, you should:

4.3 Risk Management

You should implement proper risk management strategies, including:

5. Tool Limitations & Accuracy

5.1 No Warranties or Guarantees

Guardfolio AI provides automated monitoring, alerts, and portfolio analysis based on algorithms and AI technology. While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, timeliness, or reliability of any information, data, alerts, or analysis provided. System limitations, data delays, technical issues, or errors may occur.

5.2 User Verification Responsibility

Users are responsible for independently verifying all information and should not rely solely on automated alerts or system outputs. Always cross-reference alerts and data with your broker's official statements and platforms.

5.3 Data Sources

While we strive to provide accurate and timely information, we cannot guarantee the completeness, accuracy, or timeliness of data from third-party sources. Market data may be delayed, and errors can occur.

5.4 System Availability

Our platform and alert delivery systems may experience downtime, delays, or technical issues. We are not responsible for missed opportunities or portfolio changes due to system outages, internet connectivity problems, or third-party platform failures (Plaid, SnapTrade, email providers, etc.).

6. No Guarantee of Performance

Our risk alerts, portfolio health scores, and monitoring features are designed to help you stay informed about your investments, but they cannot prevent losses or guarantee investment performance. Market conditions can change rapidly, and alerts may not occur in time to prevent losses. The effectiveness of our alerts and monitoring depends on many factors outside our control.

7. Read-Only Access & Data Security

Guardfolio AI uses read-only connections to your brokerage accounts and does not have the ability to execute trades, withdraw funds, or make changes to your accounts. We use industry-standard encryption and security measures to protect your data, but you remain responsible for maintaining the security of your brokerage account credentials and monitoring your accounts directly with your brokers.

8. Service Provided "As-Is"

This service is provided on an "as-is" and "as-available" basis without warranties of any kind, either express or implied. We disclaim all liability for any damages, losses, or adverse outcomes resulting from your use of or reliance on this service. You use Guardfolio AI at your own risk.

9. Regulatory Considerations

9.1 Not a Registered Investment Advisor

Guardfolio AI is not a registered investment advisor, broker-dealer, or financial institution. We do not execute trades, hold customer funds, or provide brokerage services. We provide portfolio monitoring and risk analysis tools only.

9.2 Compliance with Laws

You are responsible for complying with all applicable laws and regulations in your jurisdiction, including:

9.3 Geographic Restrictions

Our service may not be available or legal in all jurisdictions. It is your responsibility to ensure that your use of Guardfolio AI complies with local laws and regulations.

10. Third-Party Platforms

10.1 Broker Relationships

We are not affiliated with any specific broker or investment platform. You are responsible for selecting a reputable broker and understanding their fees, terms, and conditions.

10.2 Portfolio Integration Partners

Portfolio connections through Plaid and SnapTrade are subject to the terms and policies of those platforms. We are not responsible for their availability, security, or changes to their services. All portfolio data is accessed in read-only mode.

11. Performance Claims

11.1 Testimonials and Reviews

Any testimonials, user reviews, or success stories presented on our platform represent individual experiences and may not be representative of typical results. Your results may differ significantly.

11.2 Marketing Materials

Performance statistics and claims in marketing materials are provided for illustrative purposes only and should not be construed as guarantees of future performance or expected results.

12. Tax Implications

Investment profits may be subject to capital gains taxes and other tax obligations depending on your jurisdiction. Retirement account contributions and withdrawals have specific tax implications. You are responsible for understanding and complying with all tax reporting requirements. Consult a tax professional for advice specific to your situation.

13. Emotional and Psychological Considerations

Monitoring your portfolio and receiving risk alerts can be stressful and emotionally challenging. Portfolio losses can lead to anxiety, frustration, and impulsive decisions. Only invest with capital you can afford to lose, and be aware of the psychological impacts of market volatility on your well-being.

14. Limited Liability & Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GUARDFOLIO AI, ITS PARENT COMPANY, AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).

By using Guardfolio AI, you acknowledge that you understand and accept all risks associated with investing and agree to hold us harmless from any losses or damages you may incur. This limitation applies regardless of whether the damages arise from breach of contract, tort (including negligence), strict liability, or any other legal theory.

15. Indemnification

You agree to indemnify, defend, and hold harmless Guardfolio AI, its parent company, affiliates, subsidiaries, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

16. Binding Arbitration & Class Action Waiver

⚖️ PLEASE READ THIS SECTION CAREFULLY

BY USING GUARDFOLIO AI, YOU AGREE TO RESOLVE ALL DISPUTES THROUGH BINDING ARBITRATION AND WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS.

16.1 Agreement to Arbitrate

You and Guardfolio AI agree that any dispute, claim, or controversy arising out of or relating to this disclaimer, our service, or your use of Guardfolio AI (collectively, "Disputes") will be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

16.2 Arbitration Procedures

Arbitration shall be conducted by a single arbitrator under the rules of the American Arbitration Association (AAA) or JAMS, at your choice. The arbitration shall take place in Delaware, USA, or may be conducted remotely via video conference at your election. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

16.3 Class Action Waiver

YOU AND GUARDFOLIO AI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration section shall be null and void.

16.4 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days of first using our service. Your notice must include your name, email address, and a clear statement that you wish to opt out of binding arbitration.

16.5 Survival

This arbitration agreement shall survive termination of your use of our service and any relationship between you and Guardfolio AI.

17. Governing Law & Jurisdiction

This disclaimer and any disputes arising from your use of Guardfolio AI shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. For any matters not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Delaware.

18. Severability

If any provision of this disclaimer is found to be unenforceable or invalid by a court or arbitrator, that provision shall be limited or eliminated to the minimum extent necessary so that this disclaimer shall otherwise remain in full force and effect.

19. Entire Agreement

This disclaimer, together with our Terms of Service and Privacy Policy, constitutes the entire agreement between you and Guardfolio AI regarding your use of our service and supersedes all prior agreements and understandings.

20. Educational Purpose

Our platform is designed to educate investors about portfolio risk management, diversification strategies, technical analysis, and AI-driven risk monitoring. We encourage users to learn continuously, practice risk management, and develop their own investment skills rather than relying solely on automated alerts.

21. Updates to This Disclaimer

We may update this disclaimer from time to time to reflect changes in our services, legal requirements, or industry best practices. Material changes will be communicated through our platform or via email. Your continued use of Guardfolio AI after such changes constitutes your acceptance of the revised disclaimer.

⚠️ FINAL WARNING - PLEASE READ

ONLY INVEST MONEY YOU CAN AFFORD TO LOSE ENTIRELY. Investing involves substantial risk. You could lose some or all of your investment. If you do not understand the risks involved, are uncomfortable with the potential for total loss, or are not prepared to accept full responsibility for your investment decisions, DO NOT USE THIS SERVICE.

BY USING GUARDFOLIO AI, YOU ACKNOWLEDGE THAT: (1) You have read and understood this entire disclaimer; (2) You accept all risks associated with investing; (3) You waive your right to participate in class action lawsuits; (4) You agree to binding arbitration for disputes; (5) You will not hold Guardfolio AI liable for any investment losses; (6) You will consult a licensed financial advisor before making investment decisions.

22. Contact Information

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