Valarn General Disclaimer

Last Updated: [Insert Date]

This General Disclaimer applies to your access to and use of Valarn, including our website, application, AI-generated stock research tools, reports, dashboards, watchlists, alerts, saved research, calendar features, advertising content, affiliate links, social sharing features, newsletters, and related services.

By using Valarn, you acknowledge and agree to this Disclaimer.

1. Educational and Informational Purposes Only

Valarn provides AI-generated stock research and market-related content for educational and informational purposes only.

Nothing on Valarn is intended to be, and should not be interpreted as:

• financial advice;
• investment advice;
• trading advice;
• legal advice;
• tax advice;
• accounting advice;
• brokerage advice;
• portfolio management advice;
• a recommendation to buy, sell, hold, short, or trade any security;
• a solicitation, offer, or financial promotion.

You are solely responsible for your own investment, trading, financial, tax, legal, and business decisions.

2. Not a Registered Investment Adviser or Broker

Valarn is not a registered investment adviser, broker-dealer, securities exchange, financial planner, portfolio manager, fiduciary, or tax adviser.

Your use of Valarn does not create an adviser-client relationship, broker relationship, fiduciary relationship, agency relationship, or professional relationship of any kind.

Valarn does not:

• manage assets;
• execute trades;
• hold customer funds;
• provide custody services;
• open brokerage accounts;
• provide personalized investment recommendations;
• determine investment suitability;
• monitor your portfolio on your behalf;
• act in your best interest as a fiduciary.

3. AI-Generated Content

Valarn uses artificial intelligence, machine learning models, large language models, automated workflows, third-party data, market data tools, and algorithmic analysis to generate research outputs.

AI-generated content may be:

• inaccurate;
• incomplete;
• outdated;
• biased;
• misleading;
• based on incorrect assumptions;
• based on delayed or incomplete data;
• inconsistent across reports;
• affected by model limitations or data provider errors.

You should independently verify all information before relying on it.

4. AI Stock Judgments and Research Stances

Valarn may generate AI-assisted judgments, labels, scores, classifications, or research stances about public companies, securities, sectors, ETFs, funds, or other financial instruments.

These may include terms such as:

• bullish;
• bearish;
• neutral;
• positive;
• negative;
• mixed;
• high risk;
• low risk;
• undervalued;
• overvalued;
• attractive;
• unattractive;
• upside;
• downside;
• scenario target;
• research score;
• risk score;
• sentiment score;
• confidence score;
• AI rating;
• AI stance;
• thesis strength.

These terms are educational AI research classifications only.

They are not:

• investment advice;
• personalized financial advice;
• price targets;
• factual guarantees;
• instructions to trade;
• certifications of company quality;
• predictions of future performance;
• recommendations to buy, sell, hold, short, or trade.

A bullish, bearish, neutral, or similar output reflects only an AI-generated interpretation based on available data at the time of generation. It may be wrong, incomplete, outdated, or unsuitable for your circumstances.

5. No Guarantee of Accuracy or Completeness

Valarn attempts to provide useful research tools, but we do not guarantee that any report, dashboard, alert, score, rating, stance, summary, data point, chart, news summary, sentiment analysis, valuation estimate, or AI-generated output is accurate, complete, current, or error-free.

Valarn may rely on third-party data sources, public filings, market data providers, news sources, social sentiment feeds, AI providers, and other external services.

Data may be delayed, revised, incomplete, unavailable, misclassified, or incorrectly interpreted.

6. Market Risk

Investing involves risk, including the possible loss of principal.

Past performance does not guarantee future results.

Market conditions can change quickly due to:

• earnings results;
• company news;
• analyst actions;
• macroeconomic events;
• interest rates;
• regulatory changes;
• sector trends;
• liquidity conditions;
• geopolitical events;
• investor sentiment;
• management changes;
• litigation;
• fraud;
• accounting issues;
• data revisions;
• unexpected market shocks.

Valarn does not guarantee profits, returns, market outperformance, investment success, or loss avoidance.

7. Saved Reports May Become Outdated

Valarn may allow users to save, revisit, download, export, share, or refresh reports.

A saved report reflects information available at or near the time the report was generated. It may no longer be current.

Market data, company fundamentals, news, sentiment, earnings expectations, analyst estimates, valuation assumptions, and risk conditions may change after a report is created.

You should refresh or rerun a report and independently verify information before relying on it.

8. No Personalized Suitability Review

Valarn does not evaluate whether any security, strategy, report, stance, or scenario is suitable for you.

Valarn does not consider your full:

• income;
• net worth;
• tax situation;
• investment goals;
• risk tolerance;
• time horizon;
• liquidity needs;
• portfolio composition;
• financial obligations;
• personal circumstances.

Any research output should be reviewed in light of your own situation and with help from a qualified professional where appropriate.

9. No Company Endorsement

Valarn may analyze public companies, securities, ETFs, funds, sectors, markets, or financial products.

Valarn is not affiliated with, endorsed by, reviewed by, approved by, or sponsored by any company, issuer, exchange, broker, regulator, data provider, or financial institution unless expressly stated.

Company names, logos, tickers, trademarks, and other identifiers are used for identification and informational purposes only. All trademarks belong to their respective owners.

10. Advertising, Sponsored Content, and Affiliate Links

Valarn may display advertising, sponsored content, affiliate links, partner offers, referral links, or commercially supported content.

Valarn may receive compensation when users view, click, sign up, subscribe, purchase, or interact with certain ads, affiliate links, sponsored placements, or partner offers.

Sponsored content, advertisements, and affiliate links are not financial advice, investment advice, endorsements, or recommendations.

You are responsible for independently evaluating any third-party product, service, broker, newsletter, investment platform, financial tool, or offer.

11. Social Sharing and Public Content

Valarn may allow users to share reports, summaries, screenshots, charts, watchlists, rankings, or other content.

Shared Valarn content may be incomplete, outdated, taken out of context, or modified by others.

Users are responsible for how they share, quote, summarize, publish, or distribute Valarn content.

Valarn is not responsible for third-party interpretations, reposts, screenshots, commentary, or claims based on Valarn content.

12. No Warranty

Valarn is provided on an “as is” and “as available” basis.

Valarn makes no warranties or representations that the platform, reports, data, alerts, research stances, scores, AI outputs, advertisements, or third-party links will be accurate, reliable, complete, timely, secure, uninterrupted, or error-free.

13. Limitation of Liability

To the maximum extent permitted by law, Valarn and its owners, officers, employees, contractors, affiliates, partners, advertisers, sponsors, licensors, and service providers are not liable for any losses or damages arising from:

• investment decisions;
• trading losses;
• missed opportunities;
• inaccurate AI outputs;
• data delays;
• data errors;
• report omissions;
• outdated reports;
• failed alerts;
• third-party content;
• sponsored content;
• affiliate links;
• platform interruptions;
• user reliance on Valarn content.

Your use of Valarn is at your own risk.

14. Consult a Qualified Professional

Before making financial, investment, tax, legal, accounting, or business decisions, you should consult qualified professionals who understand your specific circumstances.

Valarn is a research tool, not a substitute for professional advice.

15. Contact

For questions about this Disclaimer, contact:

Valarn
[Insert Legal Company Name]
[Insert Business Address]
Email: [Insert Support or Legal Email]
Website: https://valarn.com