Disclaimer for Money365.Market

1. General Disclaimer

1.1 No Financial Advice

THE CONTENT ON MONEY365.MARKET IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. IT DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, LEGAL, TAX, OR PROFESSIONAL ADVICE.

We are not authorised or regulated by the UK Financial Conduct Authority (FCA), and we are not registered investment advisers, financial planners, brokers, or securities dealers in any jurisdiction (see section 13). Nothing on this Website should be interpreted as:

• A recommendation to buy, sell, or hold any security or investment
• A personal recommendation or investment advice tailored to your specific situation
• An inducement or invitation to buy, sell, or invest in any security or product
• A solicitation or offer to buy or sell securities
• Professional financial planning or wealth management services
• Tax, legal, or accounting advice

1.2 Not a Fiduciary

We do not act as a fiduciary or advisor to you or any other user. We do not have a professional or advisory relationship with you, and no such relationship is created by your use of our Website or Services.

1.3 Educational Content Only

All articles, guides, tutorials, analysis, and commentary on Money365.Market are provided for educational purposes to help you become a more informed investor. They are not tailored to your specific circumstances, risk tolerance, investment objectives, or financial situation.

3. Forward-Looking Statements

3.1 Identification

This Website may contain forward-looking statements that involve risks and uncertainties. Words such as "may," "will," "expect," "anticipate," "estimate," "project," "intend," "plan," "believe," "forecast," "target," and similar expressions identify forward-looking statements.

3.2 No Guarantee of Future Events

Forward-looking statements are based on current expectations, assumptions, and available information at the time of writing. They are subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied.

Factors that may cause actual results to differ include:

• Changes in general economic, market, or business conditions
• Changes in interest rates, inflation, or monetary policy
• Changes in laws, regulations, or government policies
• Company-specific developments or competitive dynamics
• Geopolitical events, pandemics, or natural disasters
• Technological disruption or innovation
• Changes in consumer behavior or market sentiment

3.3 No Obligation to Update

We undertake no obligation to update or revise forward-looking statements, whether as a result of new information, future events, or otherwise. You should not place undue reliance on forward-looking statements.

5. Calculator and Tool Disclaimer

5.1 Hypothetical Results Only

All calculators, tools, and interactive features on Money365.Market (including but not limited to the Compound Interest Calculator, FIRE Calculator, Dividend Income Calculator, Retirement Calculator, DCF Calculator, and other financial tools) produce hypothetical, illustrative results only.

5.2 Limitations of Calculators

Our calculators and tools:

• Do NOT account for taxes, transaction fees, management fees, or other costs
• Use simplified assumptions that may not reflect real-world conditions
• Do NOT account for inflation unless explicitly stated
• Should NOT be used as the sole basis for investment decisions
• Are NOT substitutes for professional financial planning
• May not account for all variables that affect actual investment outcomes

5.3 Not Financial Planning

Calculator results are estimates based on user-provided inputs and general assumptions. Actual investment outcomes will differ materially from calculator projections. These tools are for educational exploration only and do not constitute financial planning or investment advice.

8. Accuracy of Information

8.1 No Guarantee of Accuracy

While we strive to provide accurate, current, and reliable information, we make no representations or warranties about:

• The accuracy, completeness, or timeliness of any content
• The reliability of data from third-party sources
• The absence of errors, omissions, or inaccuracies
• The currentness of financial data or market information

8.2 Third-Party Data

We obtain financial, economic and market data from third-party sources including:

• Finnhub (equity quotes, fundamentals, analyst recommendations, earnings)
• Yahoo Finance (index levels, yields and reference quotes)
• CoinGecko (cryptoasset prices and market data)
• SEC EDGAR and company investor-relations filings
• Official statistical and central-bank sources (e.g. BLS, Federal Reserve, Bank of England)
• Other financial data providers

We are not responsible for:

• Errors or inaccuracies in third-party data
• Delays in data delivery
• Interruptions in data feeds
• Actions you take based on third-party data

Data is provided "as is" and without warranty of accuracy, completeness or timeliness. Quotes and market figures may be delayed and must not be relied on for trading purposes.

8.3 Point-in-Time Publication and No Duty to Update

Articles, briefs, analyses and data pages are published as at the date shown on them. Figures, valuations, holdings, rates, contribution limits and regulatory details were believed accurate at that time and are not maintained afterwards. Content may become inaccurate, incomplete or misleading with the passage of time.

Except where the law requires otherwise, we are under no obligation to update, revise, correct or withdraw any previously published content, and the continued availability of an article on this Website is not a re-affirmation of its contents. Always check the publication or last-updated date and verify time-sensitive information against a primary source before acting on it.

9. AI-Assisted Content Disclosure

9.1 Use of AI Tools

Some content on Money365.Market is created with the assistance of artificial intelligence tools for research, data analysis, content structuring, and content generation. AI tools are used as part of our editorial workflow to enhance research quality and data accuracy.

9.2 Editorial Oversight

All AI-assisted content undergoes editorial review and fact-checking processes. However, despite our best efforts, AI-generated or AI-assisted content may contain errors, inaccuracies, or outdated information.

9.3 User Responsibility

Users should independently verify all information presented on this Website before making financial decisions, regardless of whether content was created with or without AI assistance. The use of AI tools does not diminish or enhance the educational nature of our content, nor does it create any advisory relationship.

10. Affiliate and Advertising Disclaimer

10.1 How We Are Funded

Money365.Market is funded by:

• Advertising — third-party advertisements (including Google AdSense) are labelled as such. We do not control, endorse or vet the advertisers shown, and an advertisement is never a recommendation by us
• Subscriptions — paid membership tiers for premium features and content
• Affiliate links — where we participate in an affiliate programme, we may earn a commission if you click a link, open an account, or buy a product or service. Such links are labelled where used and cost you nothing extra

10.2 Editorial Independence

Commercial relationships do not determine what we publish. Our content and analysis are produced independently, and we do not accept payment to feature, favour or omit any company, security, fund, exchange or platform. We nevertheless disclose these relationships because they are capable of creating a conflict of interest, and you are entitled to weigh that when reading.

10.3 Your Due Diligence

Before clicking affiliate links or making purchases:

• Conduct your own research on products and services
• Read terms and conditions carefully
• Compare multiple options and providers
• Understand all fees, costs, and risks
• Verify that products meet your specific needs

10.4 Author Positions and Other Interests

The author of an article, and persons connected with Money365.Market, may hold positions in the securities, funds or cryptoassets discussed, and may buy or sell them at any time without notice or subsequent disclosure. Content is not written to influence the price of any asset, and we do not deal on the basis of unpublished content.

Money365.Market is not affiliated with, endorsed by, or sponsored by any company, fund, index provider, exchange, broker or platform mentioned in our content, unless that relationship is expressly stated on the page. Company names, tickers and logos are used for identification and commentary only.

11. Geographic Limitations

11.1 United States Market Focus

Much of the market content on Money365.Market concerns United States financial markets, regulations, and investment vehicles. Information about tax-advantaged accounts (401(k), IRA, Roth IRA, HSA), SEC regulations, FINRA rules, and U.S.-specific investment products may not apply to residents of other countries.

11.2 United Kingdom Readers

Where our content covers UK topics (Bank of England policy, UK inflation data, or UK-relevant commentary), it remains general information and education only. It is not a financial promotion approved by an authorised person under section 21 of the Financial Services and Markets Act 2000, and it is not a personal recommendation under the FCA Handbook. UK readers should seek advice from an FCA-authorisedfinancial adviser before making any financial decision, and can check an adviser's status on the FCA Register.

11.3 International Users

If you are located outside the United States:

• Tax laws, investment regulations, and available products differ by country
• Contribution limits, tax advantages, and account types may not exist in your jurisdiction
• Consult local financial professionals familiar with your jurisdiction's laws and regulations
• Verify that investment strategies discussed are legal and available in your country
• Currency exchange rates may affect the applicability of examples
• Investor-protection schemes (such as SIPC in the U.S. or the FSCS in the UK) may not apply to you

11.4 No Targeting of Restricted Jurisdictions

Our content is not directed at, and must not be relied on by, any person in a jurisdiction where its publication, availability or use would be contrary to local law or regulation, or would subject Money365.Market to any registration, licensing or authorisation requirement in that jurisdiction. It is your responsibility to be aware of and observe any such restriction.

13. Regulatory Disclaimer

MONEY365.MARKET IS NOT AUTHORISED OR REGULATED BY ANY FINANCIAL REGULATOR IN ANY JURISDICTION, AND IS NOT LICENSED TO PROVIDE FINANCIAL ADVICE.

13.1 United Kingdom — Not FCA Authorised

Money365.Market is not authorised or regulated by the Financial Conduct Authority (FCA) and does not appear on the FCA Register. We are not permitted to, and do not, carry on any regulated activity under the Financial Services and Markets Act 2000 (FSMA), including advising on or arranging deals in investments.

Because we are not authorised:

• Our content is not a personal recommendation and must not be treated as one
• Our content is not a financial promotion approved by an authorised person under FSMA section 21
• You will not have access to the Financial Ombudsman Service in relation to our content
• You will not be protected by the Financial Services Compensation Scheme (FSCS) in relation to our content

13.2 United States — Not a Registered Investment Adviser

Money365.Market is not registered as:

• An investment adviser with the SEC or any state securities regulator
• A broker-dealer
• A securities dealer
• A financial planner
• An insurance agent
• A tax preparer or tax advisor

We are not subject to regulation or supervision by:

• The Securities and Exchange Commission (SEC)
• Financial Industry Regulatory Authority (FINRA)
• Any state securities regulator
• The Internal Revenue Service (as a tax advisor)
• Any other financial regulatory body

13.3 No Regulated Services Provided

We do not manage money, hold client assets or client money, execute or arrange transactions, operate a fund, or provide any custody, brokerage or portfolio-management service. Watchlists, portfolio trackers, calculators and similar tools are self-directed record-keeping and educational aids; entering data into them does not create an account with any broker and produces no advice.

14. Professional Consultation

14.1 Seek Professional Advice

Before making any investment or financial decision, you should consult with qualified professionals, including:

• Registered Investment Advisors (RIA): For personalized investment advice and planning
• Certified Public Accountants (CPA): For tax planning and compliance
• Enrolled Agents (EA): For IRS-related tax matters
• Certified Financial Planners (CFP): For comprehensive financial planning
• Estate Planning Attorneys: For estate and inheritance planning
• Insurance Professionals: For risk management and insurance needs

14.2 Credentials Matter

When selecting professionals, verify their:

• Credentials, licenses, and certifications
• Regulatory status and compliance history (check FINRA BrokerCheck, SEC IAPD)
• Fiduciary status (do they act in your best interest?)
• Fee structure and potential conflicts of interest
• Professional experience and areas of expertise
• Disciplinary history or client complaints

15. Contact Information

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