Investment Disclaimer & Risk Disclosure

Adaptive Investing · Effective June 23, 2026 · Last updated June 24, 2026

Read carefully before using this Service. Adaptive Investing is an educational and informational tool. Its scores are framework outputs, not buy/sell recommendations. Nothing here is investment advice. This Disclaimer is incorporated into and forms part of our Terms of Service.

1. Not Investment Advice

Adaptive Investing does not provide investment advice. All scores, ratings, analyses, research summaries, and other outputs of the Service are for informational and educational purposes only. Nothing on this platform is, or should be construed as:

A recommendation to buy, sell, hold, or otherwise transact in any security;
An offer or solicitation to buy or sell any security;
Investment, financial, tax, or legal advice of any kind;
An endorsement of any company, investment strategy, or financial product.

A score is a mechanical output of a documented rubric applied to financial data — a starting point for your own research, not a verdict on what you should do.

2. Not a Registered Investment Advisor

Adaptive Investing is not a registered investment advisor, broker-dealer, financial planner, commodity trading advisor, or any other licensed financial professional, and is not registered with or regulated by the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), the Commodity Futures Trading Commission (CFTC), any U.S. state securities regulator, or any foreign financial regulator. Use of the Service does not create an advisory, fiduciary, or broker-client relationship of any kind.

3. Risk Disclosures

3.1 General investment risk

All investments involve risk, including the possible loss of principal. The value of investments can go down as well as up. Risks include, among others, market risk, company-specific risk, liquidity risk, inflation risk, interest-rate risk, concentration risk, regulatory risk, and geopolitical risk.

3.2 Limitations of the scoring model

The scoring model is not a predictor of future stock performance. A high score does not guarantee returns; a low score does not mean a stock will decline.
No model captures every factor that affects a stock price; the model may not adequately reflect certain industries, conditions, or company-specific factors.
Scores are point-in-time assessments and may not reflect material changes after they are generated.
The model has not been independently audited or validated by any regulatory body or research firm.

3.3 AI and algorithmic limitations

The Service does not currently use artificial intelligence to generate scores; scoring is deterministic. We plan to introduce AI-assisted analysis for certain qualitative categories, using large language models such as those provided by Anthropic. If and when those features launch, AI can produce inaccurate, incomplete, or misleading output, and may "hallucinate" plausible-sounding but false information, so AI-generated analyses should always be independently verified.

3.4 Data limitations

Financial data is obtained from third-party providers (including Financial Modeling Prep, SEC EDGAR, FRED, and others) and may contain errors or omissions, be delayed, or differ from authoritative sources such as company filings.

4. No Guarantee of Results

There is no guarantee that use of this Service will result in profitable investments or that you will not lose money. Past performance of any stock, score, or analysis does not guarantee future results. We make no representation that any high-scoring stock will rise, that any strategy based on the Service will be profitable, or that the Service will meet your particular objectives.

5. Consult a Professional

Before making any investment decision, you should conduct your own independent research and due diligence and consult a licensed financial advisor (and, as appropriate, a tax professional or attorney) who can evaluate your individual situation, goals, risk tolerance, and time horizon. The Service is not a substitute for professional advice tailored to your circumstances.

6. Specific Disclaimers

Forward-looking information. Analyses involving earnings estimates, projected growth, or fair-value ranges are based on publicly available data and assumptions, carry significant uncertainty, and are not predictions of actual results.

SEC filing summaries. If and when AI-generated summaries of SEC filings (10-K, 10-Q, 8-K, etc.) are introduced, they may be incomplete, inaccurate, or misleading. Always consult the original filings at SEC EDGAR for authoritative information.

Market and competitor data. Market-size estimates, competitive analyses, and industry data are derived from public sources (and, if and when introduced, AI research) and may not reflect actual conditions.

7. Regulatory Notices

United States. The Service is not a registered investment advisor under the Investment Advisers Act of 1940 or any state equivalent, and your use of it does not create an advisory relationship.

United Kingdom / European Union. The Service does not constitute a financial promotion or investment advice under the Financial Services and Markets Act 2000 (UK), MiFID II, or other applicable UK/EU financial-services regulation.

Other jurisdictions. The Service may not be appropriate everywhere. Users outside the United States are responsible for ensuring their use complies with applicable local law.

8. Acknowledgment

By using the Service, you acknowledge that you have read and understood this Disclaimer, that the Service does not provide investment advice, that all investment decisions are made solely at your own risk, and that you are responsible for conducting your own due diligence before investing.

This Disclaimer was last updated on June 24, 2026. It is provided in good faith and is not a substitute for advice from a licensed attorney.