Investment Disclaimer

1. General Disclaimer

Moretus Advisors LLC ("Moretus," "we," "us," or "our") provides research, analysis, and educational content related to financial markets and securities. All information, content, and materials available on moretus.com are for general informational purposes only.

Nothing contained in our research reports, website content, newsletters, or any other communication should be construed as:

• Personal investment advice
• A recommendation to buy, sell, or hold any specific security
• A solicitation or offer to buy or sell securities
• Tax, legal, or financial planning advice
• A guarantee of future investment performance

2. Not Investment Advice

Moretus Advisors LLC is not a registered investment advisor, broker-dealer, or financial planner. We do not provide personalized investment advice or recommendations tailored to any individual's specific financial situation, investment objectives, or risk tolerance.

Our research and analysis represent our opinions based on publicly available information, proprietary research methods, and various analytical techniques. These opinions may be wrong, and there is no guarantee that any projected outcomes will occur.

3. Investment Risks

All investments carry inherent risks. You should be aware that:

• Market Risk: Security prices fluctuate and may decline significantly
• Liquidity Risk: You may not be able to sell securities when desired
• Concentration Risk: Focusing on specific sectors or securities increases vulnerability
• Currency Risk: International investments may be affected by currency fluctuations
• Regulatory Risk: Changes in laws and regulations may impact investments
• Company-Specific Risk: Individual companies may fail or underperform expectations
• Technology Risk: Technology companies face rapid obsolescence and competition
• Economic Risk: Economic downturns can severely impact investment values

4. Past Performance Disclaimer

Any historical returns, expected returns, or probability projections mentioned in our research are hypothetical in nature and may not reflect actual future performance. Performance data presented represents past performance, which:

• Does not guarantee future results
• May not be repeated
• Is not adjusted for your personal tax situation
• Does not include transaction costs, management fees, or other expenses
• May be based on backtested data with inherent limitations

5. No Professional Relationship

Use of our website, research reports, or any other content does not create:

• An investment advisor-client relationship
• A fiduciary relationship
• Any form of professional-client privilege
• An obligation for us to provide personalized advice

We strongly recommend that you consult with qualified investment professionals, tax advisors, and legal counsel before making any investment decisions.

6. Accuracy and Completeness

While we strive to provide accurate and timely information:

• We make no representations or warranties about the accuracy, completeness, or timeliness of any information
• Information may contain technical inaccuracies or typographical errors
• We are not obligated to update any information or opinions
• Market conditions and circumstances can change rapidly
• Our analysis is based on information available at the time of publication

7. Conflicts of Interest

You should be aware that:

• Moretus, its members, employees, or affiliates may hold positions in securities discussed
• We may buy or sell securities before, during, or after publication of research
• Our opinions may be influenced by our own financial interests
• We may receive compensation from third parties for content or referrals
• Affiliate partnerships may create potential conflicts of interest

8. Third-Party Content and Links

Our website may contain links to third-party websites or content from external sources. We are not responsible for the accuracy, content, or availability of these external sites or resources. The inclusion of any link does not imply endorsement by Moretus.

9. International Considerations

Our content is primarily intended for U.S. audiences. International users should be aware that investment regulations, tax implications, and market conditions vary significantly by jurisdiction. Consult local professionals familiar with your country's specific requirements.

10. Limitation of Liability

You acknowledge that you are solely responsible for your investment decisions and the consequences thereof. Any action you take based on information from Moretus is strictly at your own risk.

11. Indemnification

By using our services, you agree to indemnify and hold harmless Moretus Advisors LLC, its members, directors, officers, employees, agents, and affiliates from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from your investment decisions or use of our content.

12. Specific Security Types

Options and Derivatives

Options and derivatives are complex instruments that can result in the total loss of your investment in a short period. They are not suitable for all investors.

Small Cap and Penny Stocks

Small capitalization and penny stocks involve significantly higher risks, including limited liquidity, higher volatility, and less available information.

Cryptocurrency and Digital Assets

Digital assets are highly speculative, largely unregulated, and subject to significant price volatility. Total loss of investment is possible.

13. Your Responsibilities

Before making any investment decision, you should:

• Carefully consider your financial situation and investment objectives
• Assess your risk tolerance and investment timeline
• Conduct your own independent research and due diligence
• Consult with qualified financial, tax, and legal advisors
• Read all relevant disclosure documents and prospectuses
• Understand all fees, costs, and tax implications
• Never invest more than you can afford to lose

14. Contact Information

For questions about this disclaimer or our services: