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Fineduca
Disclaimer
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Disclaimer

Last Updated: November 6, 2025

⚠️ IMPORTANT NOTICE

Fineduca is an educational tool for stock analysis and portfolio management. The information provided is NOT financial advice, investment research, or a recommendation to buy, sell, or hold any security. All investments carry risk, and you could lose money. Always consult with a qualified financial advisor before making investment decisions.

1. Not Financial Advice

The information, analysis, and insights provided by Fineduca are for educational and informational purposes only. They do not constitute:

  • Financial, investment, tax, or legal advice
  • Professional investment research or analysis
  • A recommendation to buy, sell, or hold any security
  • An offer or solicitation of any investment products
  • Personalized investment advice tailored to your circumstances
  • A guarantee or prediction of future investment performance

You should not rely on Fineduca as your sole source of information for investment decisions.

2. Educational Purpose Only

Fineduca is designed to help users:

  • Learn about stock market analysis and fundamental metrics
  • Practice portfolio construction and risk management concepts
  • Understand how different financial metrics relate to company performance
  • Explore investment ideas for educational purposes

The Service is not a substitute for professional financial advice or thorough due diligence.

3. Investment Risks

All investments involve risk:

  • You may lose some or all of your invested capital
  • Past performance does not guarantee future results
  • Stock prices can be volatile and unpredictable
  • Market conditions can change rapidly
  • Individual stocks can become worthless
  • Diversification does not guarantee profit or prevent loss

4. No Guarantees or Warranties

Fineduca makes no guarantees regarding:

  • Accuracy: While we strive for accuracy, data may contain errors, delays, or omissions
  • Completeness: Information may be incomplete or outdated
  • Performance: We do not guarantee any investment returns or outcomes
  • Suitability: Tools and insights may not be suitable for your financial situation
  • Results: Using our Service does not ensure profitable investment decisions

5. Data Sources and Limitations

5.1 Third-Party Data

Stock data is sourced from third-party providers (Polygon.io, Cloudflare Workers). We do not independently verify this data. Data may be:

  • Delayed (not real-time)
  • Inaccurate or incomplete
  • Subject to provider errors or outages
  • Revised or restated after initial publication

5.2 AI-Generated Content

AI-powered insights are generated using OpenAI's language models. These insights:

  • Are algorithmic suggestions, not professional analysis
  • May contain factual errors or misinterpretations
  • Should not be used as the sole basis for investment decisions
  • Are based on historical data and may not predict future events
  • Do not consider your personal financial situation or goals

6. Not a Regulated Investment Service

Fineduca is NOT:

  • A registered investment advisor (RIA)
  • A broker-dealer or securities exchange
  • Regulated by the SEC, FCA, ESMA, or any financial authority
  • A financial institution or investment firm

We do not execute trades, manage portfolios, or provide personalized investment advice.

7. Consult Professional Advisors

Before making any investment decisions, you should:

  • Consult with a qualified financial advisor, accountant, or legal professional
  • Consider your own financial situation, goals, and risk tolerance
  • Conduct your own research and due diligence
  • Read company filings, financial statements, and prospectuses
  • Understand the risks associated with each investment

8. Historical Performance

Past performance is not indicative of future results. Historical stock prices, returns, and metrics do not guarantee future performance. Market conditions, company fundamentals, and economic factors can change dramatically.

9. No Endorsement

The inclusion of any stock, company, or security in our Service does NOT constitute:

  • An endorsement or recommendation
  • A suggestion that you should invest in that security
  • A guarantee of quality, performance, or suitability

10. Regulatory Compliance

Users are responsible for:

  • Complying with all applicable securities laws and regulations
  • Understanding tax implications of investment decisions
  • Adhering to insider trading laws and regulations
  • Meeting disclosure and reporting requirements

EU Users: You are subject to the laws of your jurisdiction, including MiFID II, MAR, and national securities regulations.

11. Market Manipulation

Fineduca does NOT encourage or facilitate:

  • Market manipulation or pump-and-dump schemes
  • Insider trading or use of material non-public information
  • Fraudulent or deceptive investment practices
  • Violation of securities laws or regulations

12. Forward-Looking Statements

Any projections, forecasts, or forward-looking statements (including AI-generated predictions) are speculative and subject to significant uncertainty. Actual results may differ materially.

13. Limitation of Liability

To the maximum extent permitted by law, Fineduca shall not be liable for:

  • Investment losses or poor investment decisions
  • Missed opportunities or failed investments
  • Inaccurate or incomplete data
  • System errors, outages, or technical issues
  • Reliance on information provided by the Service

See our Terms of Service for complete limitation of liability.

14. User Responsibility

You are solely responsible for:

  • Your investment decisions and their consequences
  • Conducting your own research and due diligence
  • Understanding the risks of your investments
  • Verifying information from independent sources
  • Complying with applicable laws and regulations
  • Managing your portfolio and risk exposure

15. No Investment Relationship

By using Fineduca, no advisory, fiduciary, or investment relationship is created between you and Fineduca. We do not owe you any fiduciary duties.

16. External Links

Our Service may contain links to external websites or resources. We do not endorse or take responsibility for the content, accuracy, or practices of third-party sites.

17. Changes to Information

Financial information, company data, and market conditions change constantly. Information on Fineduca may become outdated. Always verify current information from official sources.

18. Tax Implications

Investment decisions have tax consequences. Fineduca does not provide tax advice. Consult a tax professional regarding the tax implications of your investments.

19. Conflicts of Interest

We strive to be objective, but potential conflicts of interest may exist. We may receive compensation from service providers (e.g., affiliate commissions). This does not influence our data or analysis.

20. Emergency Situations

In cases of market crashes, technical failures, or extraordinary events, the Service may be unavailable or provide inaccurate information. Do not rely solely on Fineduca during emergencies.

FINAL WARNING

Investing in stocks and securities carries significant risk. You could lose all of your invested capital. Fineduca is an educational tool, not a replacement for professional financial advice. Always do your own research, understand the risks, and consult with qualified professionals before making investment decisions.

21. Questions or Concerns

If you have questions about this Disclaimer or our Service, please use our Contact Form.

All communications should be submitted through our official contact page for proper handling and response.

Acknowledgment: By using Fineduca, you acknowledge that you have read, understood, and agree to this Disclaimer. You understand that Fineduca is for educational purposes only and that all investment decisions are made at your own risk.