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Disclaimers

DISCLAIMER

Effective Date: 2025-10-22

Operator: RichCo Asset Management, LLC, an Illinois limited liability company ("Company," "we," "our," or "us")

Last Updated: 2025-10-22

1. INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY

The content on this website (the "Site") is provided for general informational and educational purposes only.

  • It should not be considered professional financial, legal, tax, or investment advice.
  • Nothing on this Site constitutes a solicitation, recommendation, or endorsement to buy or sell any security, investment, or financial product.
  • FINANCIAL COMMENTARY: Some content includes analysis, commentary, and opinions regarding specific securities, investment products, financial strategies, and market conditions. Such content represents the author's personal views and analysis based on publicly available information and may reflect the author's personal investment experience. This commentary:
    • Is not a recommendation to buy, sell, or hold any security
    • Should not be interpreted as investment advice tailored to your specific situation
    • May discuss securities the author has held, currently holds, or has financial interest in (disclosed where applicable)
    • Is subject to change without notice as market conditions and analysis evolve
    • May contain forward-looking statements, projections, or hypothetical scenarios that may not materialize
    • Reflects analysis as of the publication date and may become outdated
  • HYPOTHETICAL SCENARIOS: Some content includes hypothetical examples, calculations, or scenarios for educational illustration. These do not represent actual investor experiences and are based on stated assumptions that may not reflect real-world conditions, actual costs, or complete risk factors.
  • Past performance of securities, strategies, or markets discussed does not guarantee or predict future results. All investments involve risk of loss, including total loss of principal.

2. AI AND AUTOMATED CONTENT GENERATION DISCLOSURE

IMPORTANT: Content on this Site may be co-authored, fact-checked, analyzed, or otherwise influenced by artificial intelligence (AI) and large language model (LLM) tools.

  • AI/LLM tools are used to assist with research, data analysis, content drafting, editing, and verification.
  • While we review AI-generated or AI-assisted content for accuracy and coherence, these tools may introduce errors, inconsistencies, inaccuracies, or unintended outputs due to:
    • Limitations in training data or model capabilities
    • Misinterpretation of source materials
    • Hallucinations or fabricated information presented as factual
    • Outdated information in model training data
    • Computational errors in calculations or analysis
    • Evolution and updates to AI systems over time
  • We make no warranties that AI-assisted content is free from error, complete, or suitable for any particular purpose.
  • You should independently verify all facts, data, calculations, and conclusions before relying on them for any purpose.
  • The use of AI tools does not diminish your responsibility to exercise independent judgment and consult qualified professionals.

3. AUTHOR DISCLOSURES AND POTENTIAL CONFLICTS OF INTEREST

Content on this Site may be authored or co-authored by individuals with personal investment experience in the securities, products, or strategies discussed.

  • Where material to the content, authors disclose their current or prior positions in securities discussed at the article level.
  • Absence of specific disclosure should not be interpreted as confirmation that no position exists or existed.
  • Authors may buy, sell, or hold positions in discussed securities at any time without notice or obligation to update prior content.
  • Analysis and opinions may be influenced by personal experience, which we believe enhances rather than diminishes educational value, but readers should consider this context when evaluating content.
  • The Company and its members may hold positions in securities discussed, may receive compensation from third parties (disclosed where material), or may have other financial interests that could create potential conflicts of interest.
  • NO FIDUCIARY RELATIONSHIP: Use of this Site does not create any advisory, fiduciary, client, or confidential relationship between you and the Company, its authors, or its members.

All content remains subject to the disclaimers and limitations in these Terms and our Terms of Use.

4. NO RELIANCE / INDEPENDENT VERIFICATION REQUIRED

You are solely responsible for how you use the information on this Site.

  • You should not rely on Site content as a substitute for independent research, analysis, or professional advice.
  • CRITICAL: Content discussing specific securities, investment products, or strategies is not tailored to your financial situation, risk tolerance, time horizon, tax circumstances, legal requirements, or investment objectives. What may be appropriate, legal, or suitable for one investor may be entirely unsuitable, inappropriate, or illegal for another.
  • We strongly encourage—and in many cases legally require—that you consult with qualified professionals, such as a licensed financial advisor, attorney, certified public accountant, or tax specialist, before making any decision that may affect your finances, legal rights, or tax obligations.
  • INDEPENDENT VERIFICATION REQUIRED: All data, statistics, quotes, calculations, projections, and factual claims should be independently verified through original sources before relying on them for any purpose. While we strive for accuracy and employ AI tools to assist with verification, errors can occur, information can become outdated, and AI tools can produce inaccurate outputs.
  • THIRD-PARTY DATA: We may rely on data from companies, regulatory filings, financial data providers, fund sponsors, government agencies, or other third parties. We do not independently audit or verify all such data and are not responsible for its accuracy, completeness, timeliness, or fitness for any purpose.

5. INVESTMENT RISKS AND PERFORMANCE DISCLAIMERS

Investment commentary on this Site may discuss various securities, strategies, and market conditions. All such discussions are subject to significant risks and limitations:

  • VOLATILITY AND LOSS RISK: All investments carry risk of loss, including total and permanent loss of principal. Markets are volatile and unpredictable. Past performance does not predict, guarantee, or indicate future results.
  • TAX CONSEQUENCES: Tax treatment of investments varies significantly by individual circumstances, jurisdiction, account type, holding period, and applicable law. Content discussing tax implications is general in nature and may not apply to your situation. Tax laws change frequently and may change retroactively. Always consult a qualified tax professional.
  • MARKET CONDITIONS: Analysis is often time-sensitive and may become outdated, irrelevant, or incorrect as market conditions, company circumstances, regulatory environments, or economic factors change. We have no obligation to update prior content to reflect subsequent developments, news, or changed circumstances.
  • INCOMPLETE INFORMATION: Our analysis may be based on incomplete information, may omit material facts of which we are unaware, may reflect only information available at a specific point in time, or may be based on AI-processed data that contains errors or gaps.
  • HYPOTHETICAL AND PROJECTED RESULTS: Hypothetical or projected performance results have inherent and substantial limitations:
    • They do not reflect actual trading or investment results
    • They may not account for all transaction costs, taxes, fees, or expenses
    • They may assume market conditions, liquidity, or execution quality that do not occur in practice
    • They are constructed with benefit of hindsight and may not be achievable in real-time
    • They may reflect assumptions that prove incorrect or incomplete
    • Actual results will differ, often substantially, from hypothetical results
  • FORWARD-LOOKING STATEMENTS: Content may include forward-looking statements, projections, expectations, or predictions regarding future market conditions, security performance, economic trends, or other matters. Such statements are inherently uncertain, speculative, and may not materialize. They are based on current information, assumptions, and analysis that may prove incorrect.
  • TIMING AND VOLATILITY: Investment timing significantly affects outcomes. Small differences in entry or exit timing can produce dramatically different results. Content discussing timing, valuation, or market conditions reflects point-in-time analysis that may quickly become outdated.

6. ACCURACY, ERRORS, AND LIMITATIONS

We strive for accuracy in all content but do not guarantee completeness, timeliness, reliability, accuracy, or fitness for any particular purpose.

  • Content may contain inaccuracies, typographical errors, computational mistakes, outdated information, or material omissions.
  • AI AND AUTOMATED TOOLS: Some content is prepared with assistance from AI, LLM, and other automated authoring, research, or analytical technologies. These tools may introduce errors, fabricate information, misinterpret sources, perform incorrect calculations, or produce outputs that appear accurate but are not. We make no warranties that AI-assisted or AI-generated content is error-free, accurate, complete, or suitable for any use.
  • DATA QUALITY: Source data used in analysis (company filings, market data, third-party research) may itself contain errors, may be subsequently restated or corrected, or may be incomplete.
  • HUMAN ERROR: Despite our efforts and the use of AI verification tools, human errors in analysis, interpretation, writing, editing, or data entry may occur.
  • NO WARRANTIES: We expressly disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, completeness, timeliness, or non-infringement.

7. EXTERNAL LINKS AND THIRD-PARTY CONTENT

This Site may reference, link to, embed, or quote content from third parties, including:

  • Company websites and investor relations materials
  • Regulatory filings and government databases
  • Financial data providers and market data services
  • News organizations and research firms
  • Academic institutions and educational resources
  • Social media platforms and user-generated content

We do not control, endorse, verify, or take responsibility for third-party information, and we are not responsible for its accuracy, availability, completeness, legality, or practices.

  • Third-party content may be inaccurate, outdated, misleading, or biased.
  • Links may break or redirect to different content over time.
  • Third-party sites may have different privacy policies, terms of use, or data collection practices.
  • Accessing external content is at your own risk.

8. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

The Company, its members, officers, employees, contractors, agents, and affiliated parties SHALL NOT BE LIABLE for any losses, damages, costs, expenses, or claims (whether direct, indirect, incidental, consequential, punitive, exemplary, or special) arising from:

  • Your use of, reliance on, or inability to use the Site or its content
  • Investment decisions made based on Site content
  • Errors, omissions, inaccuracies, or outdated information in Site content
  • AI-generated or AI-assisted content errors or inaccuracies
  • Third-party data inaccuracies or unavailability
  • Missed investment opportunities or timing decisions
  • Market losses, volatility, or adverse conditions
  • Tax consequences of investment decisions
  • Unavailability, interruption, or termination of the Site
  • Unauthorized access, data breaches, or security incidents
  • Any other matter relating to the Site or its content

Use of this Site and reliance on its content is entirely AT YOUR OWN RISK.

If any jurisdiction does not allow limitation of liability for incidental or consequential damages, our liability in such jurisdiction shall be limited to the maximum extent permitted by law.

9. NO PROFESSIONAL RELATIONSHIP

Nothing on this Site creates or establishes:

  • An attorney-client relationship
  • A financial advisor-client relationship
  • A fiduciary duty or obligation
  • An accountant-client relationship
  • A professional services agreement
  • A confidential or privileged communication

Content on this Site is publicly available and should not be treated as confidential, privileged, or creating any special relationship.

10. REGULATORY STATUS

The Company and its authors:

  • Are NOT registered investment advisors (RIAs) under federal or state securities law
  • Are NOT broker-dealers or registered representatives
  • Do NOT offer investment advisory services for compensation
  • Do NOT manage client assets or exercise discretionary authority
  • Do NOT provide personalized investment advice tailored to individual circumstances

Content on this Site does not constitute investment advisory services requiring regulatory registration under the Investment Advisers Act of 1940 or state securities laws.

11. CHANGES TO THIS DISCLAIMER

We may update, revise, or modify this Disclaimer at any time by posting a revised version on this page with a new "Last Updated" date.

  • Your continued use of the Site after such updates constitutes acceptance of the revised Disclaimer.
  • Material changes will be noted at the top of this Disclaimer for a reasonable period.
  • We have no obligation to notify you individually of changes.
  • It is your responsibility to review this Disclaimer periodically.

12. SEVERABILITY

If any provision of this Disclaimer is found invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the invalid provision shall be severed, and the remainder of this Disclaimer shall remain in full force and effect.

CONTACT US

If you have questions regarding this Disclaimer, please contact us at:

RichCo Asset Management, LLC
info@dividendideas.com

END OF DISCLAIMER