Legal Disclaimer

1. Educational Purpose Only

The Balanced Investor Club ("the Platform") provides information, tools, and frameworks for educational, informational, and research purposes only.

The Platform is operated under the brand name The Balanced Investor Club by The Balanced Research Club Corporation, a corporation incorporated in the State of Wyoming, United States.

We provide general information and analytical tools to support DIY investors, without providing guidance on what to buy, sell, or hold.

We are a technology provider. We are not a financial institution.

2. No Financial, Investment, or Trading Advice

Nothing on the Platform constitutes, or should be interpreted as, financial advice, investment advice, trading advice, or a recommendation of any kind.

We are not a registered investment advisor, broker-dealer, portfolio manager, or financial analyst, and we do not provide personalized or individualized advice.

We do not:

• Recommend specific securities, assets, or portfolios
• Assess whether an investment is suitable or appropriate for you
• Provide market timing signals or execution instructions

All information and analysis we provide is general, impersonal, and technical in nature.

3. Tools, Alerts & Frameworks

The Platform may include checklists, prompts, alerts, indicators, Market Mood indicators, journals, scores, AI-generated responses, or decision-support frameworks.

These tools are designed to support reflection and discipline, not to validate or replace your judgment. They:

• Are process-focused, not outcome-focused
• Do not confirm or reject any investment decision
• Do not constitute signals, advice, or recommendations

Any decision to act, delay, modify, or refrain from acting is always yours.

AI Companion. Responses provided by the AI Companion are generated automatically and may contain errors or inaccuracies. They are intended for educational purposes only and should not be relied upon as accurate, complete, or up to date. Always verify information independently before making any financial decision. Conversation history is stored and may be used to improve the service, as described in our Privacy Policy.

Market Mood. Market Mood indicators are educational tools based on moving average alignment. They are not buy or sell signals and should not be interpreted as investment recommendations.

4. Your Responsibility & Investment Risk

You are solely responsible for your investment decisions and actions.

Investing and trading in financial markets involves significant risk, including the potential loss of all invested capital. No tool, framework, or information we provide eliminates these risks.

You should not rely exclusively on the Platform when making financial decisions. You may choose to conduct your own research or consult qualified professionals if you believe it is appropriate.

5. Data Accuracy & Third-Party Sources

We rely in part on third-party data providers, including Alpha Vantage, for market prices, financial information, and other inputs.

While we aim to provide useful and timely information, we do not guarantee the accuracy, completeness, timeliness, or availability of any data, including derived metrics, indicators, or analyses. Data may be delayed, corrected, interrupted, or revised without notice.

The Platform is provided "as is" and "as available."

6. Hypothetical Performance & Backtesting

Any smart alerts, indicators, historical examples, simulations, backtests, or illustrative performance shown on the Platform are hypothetical and for educational purposes only.

Past performance is not indicative of future results. Hypothetical results have inherent limitations and do not reflect actual trading conditions. We make no representation that you will achieve results similar to those shown.

We do not operate an automated trading system and we do not execute trades on your behalf.

7. Learn Section — Educational Content

The Learn section contains interactive lessons on financial concepts, analytical methods, quantitative models, and related topics. All content in this section is educational and informational only.

Nothing in the Learn section constitutes financial advice, investment advice, or a recommendation to buy, sell, or hold any security. Lessons may include interactive tools, historical data, backtests, and simulations — all subject to the same limitations described in Sections 5 and 6 of this Disclaimer.

Topics covered include foundational finance concepts (such as compounding, portfolio theory, and risk) and analytical methods (such as technical indicators, statistical models, and machine learning techniques). Presenting a concept or method is not an endorsement of its effectiveness or suitability for any person or situation.

All backtests and model outputs are hypothetical. Past patterns do not predict future results. The models presented are educational simplifications, intended solely for educational and didactic purposes — not recommendations or advice of any kind. No lesson accounts for your individual circumstances, risk tolerance, or investment objectives.

8. Limitation of Liability

To the maximum extent permitted by applicable law, The Balanced Investor Club, its owners, operators, employees, and affiliates will not be liable for any loss or damage of any kind, including but not limited to trading losses, investment losses, opportunity costs, or losses arising from reliance on Platform information, direct, indirect, incidental, consequential, or special damages, or any loss of data or profits, arising out of or related to your use of, or inability to use, the Platform.

10. Contact Us

For questions or concerns regarding this Disclaimer, please contact us at:

Email: legal@thebalancedinvestorclub.com
Company: The Balanced Research Club Corporation
Address: 8461 Lake Worth Road, Suite 121, Lake Worth, FL 33467
Jurisdiction: State of Wyoming, United States