Disclaimer and Legal Notice

GENERAL INFORMATION NOTICE

The content provided by Wall Street Simplified ("we," "us," "our") is intended solely for educational and informational purposes. Nothing contained on this website, including but not limited to articles, newsletters, videos, webinars, podcasts, calculators, tools, charts, graphs, analyses, opinions, ideas, or any other materials ("Content") constitutes financial, investment, legal, tax, or professional advice. We provide generalized information that is not tailored to any individual's specific circumstances. We do not provide personalized investment recommendations, brokerage services, financial planning services, or individualized portfolio management. The Content is general in nature and does not take into account your personal financial situation, objectives, goals, or needs. Users should not rely on any information provided herein as a substitute for consultation with qualified professionals in the relevant fields. Any investment decision or action you take based on information on this website is at your own risk and discretion.

NO FIDUCIARY RELATIONSHIP

No fiduciary relationship or duty is created between Wall Street Simplified and any user of this website. Users explicitly acknowledge and agree that we are not acting in a fiduciary capacity and no information, communication, material, or other content should be construed as establishing such a relationship. Wall Street Simplified is not a registered investment adviser, broker-dealer, financial analyst, financial bank, securities broker, or financial planner. The Content published on our website is provided for informational purposes only. We do not hold ourselves out as providing any financial services that would establish a fiduciary duty or relationship with any user. Any reliance you place on our Content is strictly at your own risk. If you require personalized financial or investment advice, you should contact appropriate and qualified financial professionals.

INVESTMENT AND FINANCIAL RISKS

Financial markets involve substantial risks, including but not limited to potential loss of principal, market volatility, economic uncertainty, currency fluctuations, inflation, regulatory changes, geopolitical events, company-specific risks, and systematic market risks. These risks can result in the complete loss of invested capital and, in some cases, losses exceeding the initial investment amount.

Past performance of any security, sector, market, strategy, or asset class does not predict, guarantee, or indicate future results. Historical data and performance should never be considered a reliable indicator of future performance. No investment strategy can guarantee profits or complete protection against losses.

All investment strategies, techniques, and financial products carry inherent risks that may not be suitable for all investors. What may be appropriate for one individual based on their financial situation, risk tolerance, and investment goals may be wholly inappropriate for another person. Certain high-risk investments, including but not limited to options, futures, derivatives, alternative investments, cryptocurrencies, and leveraged investments can lose value rapidly and may lead to significant financial loss.

Users should perform their own comprehensive due diligence and risk assessment before making any financial decisions. This includes researching all potential investments thoroughly, understanding the specific risks involved, and evaluating how these risks may impact your overall financial position.

Individual financial situations, goals, risk tolerance, time horizons, income requirements, liquidity needs, tax considerations, and personal circumstances vary significantly from person to person. There is no universal investment approach that will be appropriate for all individuals.

Users must consult with qualified financial, legal, and tax advisors before making investment decisions. Professional advisors can provide personalized guidance based on your specific situation and help you develop an appropriate investment strategy aligned with your unique goals and circumstances.

ACCURACY AND TIMELINESS OF INFORMATION

While we strive to provide accurate and up-to-date information, we make no warranties or representations regarding the completeness, reliability, or accuracy of any Content on this website. The financial markets and regulatory environment are subject to rapid change, and information that was accurate when published may quickly become outdated or inaccurate due to market changes, regulatory developments, company actions, economic shifts, technological changes, or other factors beyond our control.

The preparation of our Content involves the use of information obtained from various third-party sources that we believe to be reliable, but we cannot and do not guarantee the accuracy, validity, timeliness, or completeness of any information or data made available to you for any particular purpose. We do not independently verify all information we receive from these sources.

Financial data, market information, company news, and analyst opinions are time-sensitive by nature. The Content on our website may not reflect the most current developments, and we are under no obligation to update any information on our website. The timing of information posted and the delay in which you may react to such information could impact its usefulness to you and any investment decisions you might make.

Users should verify all information independently through multiple sources before making financial decisions. This includes confirming data with original sources, cross-checking information with official company documents, and consulting with qualified professionals about the relevance and application of specific information to your individual circumstances.

LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Wall Street Simplified and its owners, officers, directors, employees, contractors, affiliates, successors, agents, partners, licensors, and content creators (collectively, the "Wall Street Simplified Parties") expressly disclaim all liability for any direct, indirect, incidental, special, consequential, exemplary, punitive, or other damages of any kind whatsoever relating to or resulting from:

Any financial, investment, or other losses resulting from decisions made based on information, opinions, analyses, or other Content on this website;
Damages of any kind arising from the use of, inability to use, or reliance upon the website Content, including but not limited to direct damages, lost profits, business interruption, loss of programs or data, or any other commercial or economic loss;
Errors, inaccuracies, omissions, defects, delays, interruptions in operation or transmission, or any failure of performance of the website or its Content;
Computer viruses, system failures, network outages, or other technological issues that may arise from using our website;
Indirect, incidental, special, consequential, punitive, or exemplary damages of any kind, regardless of the form of action, whether in contract, tort (including negligence), strict product liability, or otherwise;
Loss of anticipated profits, revenue, savings, goodwill, data, business opportunities, contracts, or investments;
Any decisions made or actions taken by you or any third party in reliance on website Content;
The use of any investment strategy, technique, or product referenced on our website; or
Damage to your computer system or loss of data resulting from accessing our website.

This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Wall Street Simplified has been advised of the possibility of such damages. Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, the Wall Street Simplified Parties' liability in such jurisdictions shall be limited to the maximum extent permitted by law.

You specifically acknowledge that the Wall Street Simplified Parties shall not be liable for user submissions or the defamatory, offensive, or illegal conduct of any third party, and that the risk of harm or damage from such materials and conduct rests entirely with you.

THIRD-PARTY CONTENT AND LINKS

References to third-party products, services, processes, companies, organizations, or financial instruments do not constitute endorsement, recommendation, or favoring by Wall Street Simplified. Such references are provided for informational purposes only and do not imply that we have verified or validated any information provided by these third parties.

Our website may contain links to external websites or resources that are not owned, operated, controlled, or maintained by Wall Street Simplified. We provide these links only as a convenience and are not responsible for the content, products, services, privacy policies, terms of use, or any other aspects of those third-party websites or resources. The inclusion of any link does not imply endorsement, approval, or control by Wall Street Simplified of the linked site or any association with its operators.

Wall Street Simplified is not responsible or liable, directly or indirectly, for any damage, loss, or claim caused by or alleged to be caused by or in connection with:

The use of or reliance on any content, goods, or services available on or through any linked websites or resources;
Any inadequacy, error, omission, interruption, defect, or delay in operation or transmission of any linked website;
The privacy practices, data collection methods, or security measures employed by third-party websites; or
Actions taken or content provided by any person or entity that operates linked websites or provides linked resources.

We strongly advise you to read the terms and conditions, privacy policies, and other governance documents of any external websites or resources that you visit through links on our site.

HYPOTHETICAL OR SIMULATED PERFORMANCE

Any hypothetical or simulated performance results, backtested data, forward-looking projections, model portfolios, or theoretical trading examples have significant inherent limitations and do not represent actual trading or investment results. Such performance illustrations:

Are prepared with the benefit of hindsight and do not reflect the impact that material economic and market factors might have had on decision-making if actual money had been invested;
Do not account for real-world factors including, but not limited to, market liquidity constraints, trade execution delays, slippage, commissions, fees, taxes, transaction costs, margin requirements, or regulatory requirements;
May not adequately reflect the impact of psychological factors that influence trading decisions when real capital is at risk;
Often exclude the impact of extraordinary market events or conditions that cannot be incorporated into hypothetical simulations;
May use optimization techniques that can overstate performance by selectively fitting models to historical data points; and
May utilize assumptions about trade execution, timing, asset availability, or other operational factors that may not be achievable in actual market conditions.

No representation or guarantee is made that any account, portfolio, or investment will or is likely to achieve profits or losses similar to those shown. Hypothetical or simulated performance results have many inherent limitations and may vary widely from actual performance. Past performance, whether actual or simulated, is not indicative of future results. Investment outcomes can and will vary.

INTERNATIONAL USERS NOTICE

The Content on this website is primarily based on United States and Canadian financial markets, investments, and regulatory frameworks and may not be applicable, appropriate, or compliant with financial regulations or practices in other jurisdictions. The information provided is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation.

Wall Street Simplified makes no representations that materials on this website are appropriate, available, or legal for use in locations outside the United States and Canada. International users access this website at their own risk and are responsible for compliance with local laws and regulations. If you access our website from locations outside the United States or Canada, you do so on your own initiative, and you are solely responsible for compliance with all applicable local laws and regulations.

Different countries have different regulatory requirements regarding financial advice, investment products, and securities laws. Information that may be lawful or appropriate in one jurisdiction may be unlawful or inappropriate in another. International users should consult with qualified local financial, legal, and tax professionals in their respective jurisdictions before making any investment decisions based on information found on this website.

INDEMNIFICATION

Users agree to defend, indemnify, and hold harmless Wall Street Simplified, its parent company, subsidiaries, affiliated companies, and their respective officers, directors, employees, contractors, agents, licensors, service providers, successors, and assigns from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, fines, penalties, or fees (including reasonable attorneys' fees) arising out of or relating to:

Your violation of these Terms or any applicable laws, rules, or regulations;
Your use of the website, including any data or content transmitted or received by you;
Any activities conducted through your account (whether by you or by any other person accessing your account);
Your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right;
Any misrepresentation made by you;
Your use or reliance on any information obtained through the website; or
Any other party's access and use of the website with your unique username, password, or other security code.

This defense and indemnification obligation will survive the termination of your access to our website and any related services. Wall Street Simplified reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims.

MODIFICATIONS TO DISCLAIMER

We reserve the right to modify, update, or replace this disclaimer at any time without prior notice and at our sole discretion. Changes may be necessary to reflect changes in applicable laws or regulations, our practices, or for operational, legal, or business reasons. Your continued use of the website following any changes constitutes your acceptance of the modified disclaimer.

The most current version of this disclaimer will always be posted on our website with the effective date clearly indicated. It is your responsibility to check this disclaimer periodically for changes. If you do not agree with the modified disclaimer, you must immediately discontinue your use of our website.

No amendment to or modification of this disclaimer will be valid or binding unless in writing and posted to this website by an authorized representative of Wall Street Simplified. No Wall Street Simplified employee, agent, or representative is authorized to modify the terms of this disclaimer verbally or through written correspondence not posted to the website.

SEVERABILITY

If any provision of this disclaimer is found to be invalid, illegal, or unenforceable by a court or authority of competent jurisdiction, the invalid, illegal, or unenforceable provision will be deemed severed from this disclaimer, and the remaining provisions shall continue in full force and effect. The invalid, illegal, or unenforceable provision shall be reformed only to the extent necessary to make it valid, legal, and enforceable while preserving its intent, or if that is not possible, replaced with a provision that comes closest to achieving the economic purpose of the invalid provision.

The invalidity, illegality, or unenforceability of any provision in one jurisdiction shall not affect the validity, legality, or enforceability of such provision in any other jurisdiction or the validity, legality, or enforceability of any other provision of this disclaimer.

GOVERNING LAW AND DISPUTE RESOLUTION

This disclaimer shall be governed by and construed in accordance with the laws of the United States and Canada, without regard to its conflict of law provisions or principles. By using this website, you consent to the exclusive jurisdiction and venue of federal and state courts located in British Columbia for all disputes arising out of or relating to the use of our website or this disclaimer.

Any claim or cause of action arising out of or related to your use of the website or this disclaimer must be filed within one (1) year after such claim or cause of action arose, regardless of any statute or law to the contrary. Any claim not filed within the foregoing one-year period shall be permanently barred.

Any disputes arising from your use of our website shall first be addressed through good faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days from the initial notification of the dispute, both parties agree to resolve the dispute through binding arbitration administered by the Vancouver International Arbitration Centre (VanIAC) in accordance with its applicable rules. The arbitration shall take place in British Columbia, and the arbitration proceedings shall be conducted in English. The decision of the arbitrator shall be final and binding on both parties.

Last updated: March 2025