StockOrb provides educational and informational services only. The following disclaimers are important for all users to understand before using our platform. Please read carefully and consult with qualified financial professionals before making investment decisions.
1. Investment Risk Disclaimer
⚠️ High Risk Investment Warning
Trading stocks, options, and other securities involves substantial risk of loss and is not suitable for all investors. You could lose some or all of your investment. Past performance is not indicative of future results.
Before investing, consider the following risks:
- Market Risk: Stock prices can fluctuate dramatically based on market conditions
- Volatility Risk: Individual securities may experience significant price swings
- Liquidity Risk: Some securities may be difficult to sell quickly
- Economic Risk: Economic downturns can affect all investments
- Company-Specific Risk: Individual companies may face unique challenges
- Currency Risk: Foreign investments may be affected by exchange rate fluctuations
You should only invest money that you can afford to lose and should diversify your investments to help manage risk.
2. Not Financial Advice
StockOrb does not provide investment advice, financial planning advice, or tax advice. Our platform provides information and analytical tools only.
What We Provide
- Market data and analysis tools
- AI-powered insights and pattern recognition
- Educational content about investing
- Portfolio tracking and monitoring tools
What We Do NOT Provide
- Personalized investment recommendations
- Buy, sell, or hold advice for specific securities
- Tax planning or preparation services
- Financial planning or retirement advice
- Legal advice regarding investments
All investment decisions are yours alone. You should consult with qualified financial advisors, tax professionals, and legal counsel before making investment decisions.
3. Data Accuracy and Timeliness
While we strive to provide accurate and timely information, we cannot guarantee the accuracy, completeness, or timeliness of any data or information provided through our platform.
Data Sources
- Market data is obtained from third-party providers
- Some data may be delayed by 15-20 minutes
- Historical data may contain errors or omissions
- News and sentiment data is aggregated from multiple sources
Data Limitations
- Technical issues may cause data delays or interruptions
- Market data providers may experience outages
- Currency conversions may not reflect real-time rates
- Corporate actions may not be immediately reflected
Always verify important information through official sources before making investment decisions.
4. AI and Algorithm Limitations
Our AI algorithms and machine learning models have inherent limitations that users should understand:
AI Model Limitations
- Historical Bias: Models are trained on historical data and may not predict unprecedented events
- Market Changes: AI models may not adapt quickly to fundamental market structure changes
- Data Quality: AI accuracy depends on the quality of input data
- Black Swan Events: Rare, unpredictable events cannot be reliably forecasted
- Model Drift: AI performance may degrade over time without retraining
Prediction Accuracy
No AI model can predict market movements with 100% accuracy. Our algorithms are designed to identify patterns and probabilities, not certainties.
AI insights should be used as one factor among many in your investment research and decision-making process.
5. Market-Specific Risks
Stock Market Risks
- Market Volatility: Prices can change rapidly due to various factors
- Sector Concentration: Some sectors may be more volatile than others
- Small-Cap Risks: Smaller companies may be more volatile and less liquid
- Penny Stock Risks: Very low-priced stocks carry extreme risks
Options and Derivatives
Options and derivative instruments carry additional risks including:
- Time decay (theta)
- Volatility risk
- Unlimited loss potential (certain strategies)
- Complexity requiring advanced knowledge
International Markets
- Currency exchange rate fluctuations
- Political and economic instability
- Different regulatory environments
- Limited liquidity in some markets
6. Regulatory and Compliance Notice
StockOrb is not a registered investment advisor, broker-dealer, or financial institution. We do not:
- Execute trades on behalf of users
- Hold customer funds or securities
- Provide custody services
- Offer investment advisory services
Regulatory Compliance
Users are responsible for:
- Complying with all applicable securities laws
- Understanding tax implications of their investments
- Reporting investment income and gains appropriately
- Following their jurisdiction's investment regulations
International Users
Our services may not be available in all jurisdictions. Users outside the United States should consult local regulations before using our platform.
7. Limitation of Liability
StockOrb, its officers, directors, employees, and affiliates shall not be liable for any investment losses, trading losses, or damages arising from the use of our platform or services.
Exclusions
We are not liable for:
- Investment losses or trading losses
- Missed opportunities due to system outages
- Errors in data or analysis
- Third-party service interruptions
- Force majeure events
Service Availability
Our services are provided "as is" without warranties. We do not guarantee:
- Uninterrupted service availability
- Error-free operation
- Compatibility with all devices
- Specific performance outcomes
8. Third-Party Data and Services
Our platform integrates data and services from third-party providers:
Data Providers
- Market data from licensed financial data vendors
- News feeds from various media sources
- Economic data from government and institutional sources
- Social sentiment from social media platforms
Third-Party Limitations
- We do not control third-party data quality or availability
- Third-party services may experience outages
- Data licensing agreements may affect availability
- Third-party terms of service may apply
We are not responsible for the accuracy, reliability, or availability of third-party data or services.
9. Updates and Changes
This disclaimer may be updated from time to time. Material changes will be communicated through:
- Website announcements
- Updated "Last Modified" date
- Contact form notifications for inquiries
Continued Use
Your continued use of StockOrb after any changes to this disclaimer constitutes acceptance of the updated terms.