Disclaimer for Money365.Market

Last Updated: January 22, 2026

Important Notice

PLEASE READ THIS DISCLAIMER CAREFULLY BEFORE USING MONEY365.MARKET

This Disclaimer applies to the website money365.market and all content, information, tools, calculators, products, and services provided by Money365.Market ("we", "us", "our", or "the Website"). By accessing or using our Website, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer.

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 registered investment advisors, financial planners, brokers, or securities dealers. Nothing on this Website should be interpreted as:

  • A recommendation to buy, sell, or hold any security or investment
  • Personalized investment advice tailored to your specific situation
  • 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.

2. Investment Risk Disclosure

2.1 Risk of Loss

ALL INVESTMENTS INVOLVE RISK, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL.

Investing in stocks, bonds, mutual funds, ETFs, options, futures, cryptocurrencies, and other financial instruments carries significant risk. You may lose some or all of your invested capital.

Key Investment Risks Include:

  • Market Risk: Securities prices fluctuate based on market conditions
  • Volatility Risk: Investment values can change rapidly and unpredictably
  • Liquidity Risk: You may not be able to sell investments quickly at fair prices
  • Credit Risk: Issuers may default on their obligations
  • Interest Rate Risk: Bond values decline when interest rates rise
  • Currency Risk: Exchange rate fluctuations can affect international investments
  • Inflation Risk: Rising prices can erode investment returns
  • Regulatory Risk: Changes in laws or regulations can affect investments
  • Company-Specific Risk: Individual companies may underperform or fail
  • Concentration Risk: Over-allocation to a single asset or sector increases risk
  • Sequence-of-Returns Risk: Poor returns early in retirement can deplete portfolios faster

2.2 Past Performance

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.

Historical returns, back-tested results, and simulated performance do not guarantee future performance. Investment returns and principal values will fluctuate, and investments may be worth more or less than their original cost when sold.

2.3 No Guaranteed Returns

We make no representations, warranties, or guarantees regarding:

  • Investment performance or returns
  • The success of any investment strategy
  • The achievement of financial goals
  • The accuracy of forecasts or predictions
  • The preservation of capital

2.4 Suitability

Before making any investment decision, you should:

  • Assess your own financial situation, risk tolerance, and investment objectives
  • Conduct thorough independent research and due diligence
  • Consult with qualified financial, tax, and legal professionals
  • Understand the specific risks associated with each investment
  • Only invest money you can afford to lose

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.

4. Tax Information Disclaimer

4.1 Not Tax Advice

TAX-RELATED CONTENT ON MONEY365.MARKET IS GENERAL IN NATURE AND DOES NOT CONSTITUTE TAX ADVICE AS DEFINED UNDER IRS CIRCULAR 230.

Tax laws are complex, frequently change, and vary by federal, state, and local jurisdiction. The tax information provided on this Website is for general educational purposes only and may not reflect the most current tax law developments.

4.2 Limitations

We do not:

  • Provide personalized tax advice for your specific situation
  • Guarantee specific tax outcomes or savings
  • Account for state, local, or international tax variations
  • Replace the guidance of a qualified tax professional
  • Represent or warrant that tax strategies discussed will be effective for you
  • Assume responsibility for penalties or interest resulting from tax positions taken based on our content

4.3 Consult a Tax Professional

Always consult a qualified tax professional (CPA, Enrolled Agent, or tax attorney) before:

  • Implementing any tax strategy discussed on this Website
  • Making decisions about retirement account contributions or conversions
  • Filing tax returns based on information from this Website
  • Making estate planning or gift tax decisions
  • Claiming tax deductions or credits

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.

6. Hypothetical and Backtested Performance

6.1 Hypothetical Examples

Examples, case studies, and illustrations on this Website may include hypothetical or backtested performance results. These are used for educational purposes to demonstrate financial concepts and strategies.

6.2 Inherent Limitations

HYPOTHETICAL PERFORMANCE RESULTS HAVE MANY INHERENT LIMITATIONS:

  • They do NOT represent actual trading or investment results
  • They may NOT reflect the impact of material economic and market factors
  • They are generally prepared with the benefit of hindsight
  • They cannot account for all financial risks of actual trading
  • They may assume reinvestment of dividends and gains that may not occur in practice
  • They do NOT account for transaction costs, taxes, or fees
  • They may differ significantly from actual investment results

6.3 No Guarantee

No representation is made that any account will or is likely to achieve profits or losses similar to those shown in hypothetical examples. There are frequently sharp differences between hypothetical performance results and actual results subsequently achieved.

7. Cryptocurrency Disclaimer

7.1 Extreme Risk Warning

CRYPTOCURRENCY INVESTMENTS ARE HIGHLY SPECULATIVE AND INVOLVE SUBSTANTIAL RISK OF LOSS. YOU MAY LOSE YOUR ENTIRE INVESTMENT.

7.2 Key Cryptocurrency Risks

  • Extreme Volatility: Prices can lose 50% or more in days or even hours
  • No Government Backing: Not backed by any government or central bank
  • Not Insured: NOT insured by FDIC, SIPC, or any government agency
  • Unregulated Markets: Largely unregulated and subject to market manipulation
  • Technology Risk: Smart contract bugs, protocol failures, and hacking
  • Custody Risk: Loss of private keys means permanent loss of funds
  • Regulatory Uncertainty: Governments may ban, restrict, or heavily regulate cryptocurrency at any time
  • Liquidity Risk: Some cryptocurrencies may become illiquid or worthless
  • Fraud and Scams: The cryptocurrency space is rife with fraudulent projects

7.3 No Endorsement

Money365.Market does not endorse, recommend, or promote any specific cryptocurrency, token, DeFi protocol, or digital asset. Cryptocurrency content is provided for educational purposes only and does not constitute a recommendation to buy, sell, or hold any digital asset. You should never invest more than you can afford to lose entirely.

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 data, stock quotes, and market information from third-party sources including:

  • Alpha Vantage
  • Yahoo Finance
  • CoinGecko
  • 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

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 Affiliate Relationships

Money365.Market participates in affiliate marketing programs and may earn commissions when you:

  • Click on affiliate links
  • Purchase products or services through our referral links
  • Sign up for brokerage accounts or financial services through our links

10.2 Editorial Independence

Despite our affiliate relationships, we maintain editorial independence. Our content, reviews, and recommendations are based on objective analysis and research. However, we acknowledge that affiliate relationships may create potential conflicts of interest.

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

11. Geographic Limitations

11.1 United States Focus

Content on Money365.Market is primarily focused on 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 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

12. Limitation of Liability

12.1 No Liability for Losses

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONEY365.MARKET SHALL NOT BE LIABLE FOR ANY INVESTMENT LOSSES, FINANCIAL DAMAGES, OR OTHER HARM ARISING FROM YOUR USE OF OUR WEBSITE OR RELIANCE ON OUR CONTENT.

12.2 Use at Your Own Risk

You acknowledge and agree that:

  • You use our Website at your own risk
  • All investment decisions are your sole responsibility
  • We are not liable for any financial losses you incur
  • We are not liable for errors, omissions, or inaccuracies in content
  • We are not liable for actions taken based on calculator results
  • We are not liable for tax consequences resulting from strategies discussed

For complete limitation of liability terms, please refer to our Terms of Service.

13. Regulatory Disclaimer

13.1 Not a Registered Investment Advisor

Money365.Market is not registered as:

  • An investment advisor 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

13.2 Not FINRA/SEC Regulated

We are not subject to regulation 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

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:

Money365.Market

Email: office@money365.market

Website: https://www.money365.market/contact

16. Acknowledgment and Acceptance

BY USING MONEY365.MARKET, YOU ACKNOWLEDGE THAT:

  1. You have read and understood this Disclaimer in its entirety
  2. You understand that we do not provide financial, investment, or tax advice
  3. You understand the risks of investing, including potential total loss of capital
  4. You understand that forward-looking statements are not guarantees
  5. You understand that calculator results are hypothetical illustrations only
  6. You will conduct your own research and due diligence
  7. You will consult with qualified professionals before making investment or tax decisions
  8. You take full responsibility for your investment decisions and outcomes
  9. You will not hold Money365.Market liable for any investment losses or tax consequences
  10. You agree to indemnify us against any claims arising from your use of our Website

INVESTMENT IN SECURITIES INVOLVES RISK OF LOSS. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. YOU MAY LOSE SOME OR ALL OF YOUR INVESTED CAPITAL. FORWARD-LOOKING STATEMENTS ARE NOT GUARANTEES OF FUTURE PERFORMANCE.

THIS DISCLAIMER SHOULD BE READ IN CONJUNCTION WITH OUR TERMS OF SERVICE AND PRIVACY POLICY.

Last Reviewed: January 22, 2026

Version: 2.0