⚠️ Important Risk Disclaimer

1. General Investment Risk

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

Trading and investing in stocks, bonds, commodities, currencies, and other financial instruments involves substantial risk of loss. You may lose some or all of your invested capital. Past performance does not guarantee future results.

2. Not Investment Advice

The information provided by PFYTM is for educational and informational purposes ONLY and should NOT be construed as:

• Investment advice or recommendations
• An offer to buy or sell securities
• A solicitation for investment
• Personalized financial planning
• Tax, legal, or accounting advice

You should consult with a licensed financial advisor, tax professional, or attorney before making any investment decisions.

3. No Guarantees or Warranties

We make NO guarantees, warranties, or representations about:

• The accuracy, completeness, or timeliness of our content
• Investment returns or performance
• The suitability of any investment for your specific situation
• Future market conditions or stock prices

4. Past Performance Disclaimer

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.

Any historical returns, expected returns, or probability projections are hypothetical in nature and may not reflect actual future performance. Investing results can vary significantly, and all investments carry the risk of loss.

5. Market Volatility

Financial markets are subject to extreme volatility and unpredictable price movements. Stock prices can fluctuate dramatically due to:

• Economic conditions and indicators
• Political events and policy changes
• Company-specific news and earnings
• Market sentiment and investor behavior
• Global events and crises
• Interest rate changes
• Currency fluctuations

6. Risk Capital Only

YOU SHOULD ONLY INVEST WITH "RISK CAPITAL"

Risk capital is money you can afford to lose without affecting your lifestyle. Never invest:

• Money you need for living expenses
• Emergency funds
• Money borrowed from others
• Retirement savings you cannot afford to lose
• Funds needed for upcoming major expenses

7. Individual Results May Vary

Your individual results will depend on many factors, including but not limited to:

• Your investment knowledge and experience
• Risk tolerance and investment timeline
• Market timing and entry/exit points
• Portfolio diversification
• Trading costs and fees
• Tax implications
• Overall market conditions

8. Not a Registered Investment Advisor

PFYTM is NOT a registered investment advisor (RIA), broker-dealer, or member of any financial regulatory body. We do not:

• Provide personalized investment recommendations
• Manage investment accounts
• Execute trades on your behalf
• Guarantee investment returns
• Hold or custody client funds

9. Conflicts of Interest

PFYTM and its affiliates, employees, or contractors may:

• Hold positions in securities mentioned in our content
• Buy or sell securities before or after publishing content
• Have financial relationships with companies discussed
• Receive compensation from third parties

These activities may create conflicts of interest. We disclose these potential conflicts for your awareness.

10. Forward-Looking Statements

Our content may contain forward-looking statements about future market conditions, company performance, or economic trends. These statements are based on current information and assumptions that may prove incorrect. Actual results may differ materially from any forward-looking statements.

11. No Liability

PFYTM DISCLAIMS ALL LIABILITY FOR ANY LOSSES OR DAMAGES ARISING FROM:

• Your use of our services or content
• Your investment decisions
• Market losses or poor investment performance
• Errors, omissions, or inaccuracies in our content
• Technical issues or service interruptions
• Third-party actions or information

12. Suitability and Due Diligence

Before making any investment:

• Assess whether it aligns with your financial goals and risk tolerance
• Conduct your own research and analysis
• Read all relevant company disclosures and filings
• Understand the investment's risks and fees
• Consider tax implications
• Consult with qualified professionals

13. Educational Purpose

Our content is intended to educate and inform, not to provide specific investment recommendations. You are responsible for:

• Verifying all information independently
• Making your own investment decisions
• Understanding the risks involved
• Accepting full responsibility for your actions

14. International Considerations

Our services may not be suitable for all jurisdictions. You are responsible for complying with all local laws and regulations regarding investing and financial services in your country or region.

15. Acknowledgment

16. Questions or Concerns

If you have questions about this Risk Disclaimer or need clarification, please contact us before using our services: