Valarn AI & Financial Disclaimer

Last Updated: [Insert Date]

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

This Disclaimer should be read together with our Terms of Service, Privacy Policy, Cookie Policy, Refund Policy, and General Disclaimer.

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;
• personalized investment advice;
• a recommendation to buy, sell, hold, short, or trade any security;
• a solicitation, offer, endorsement, or financial promotion.

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

2. Valarn Is Not an 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;
• provide tax, legal, accounting, or financial planning advice.

3. No Personalized Suitability Review

Valarn does not evaluate whether any security, report, strategy, score, stance, alert, watchlist, scenario, or research output is suitable for you.

Valarn does not consider your complete:

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

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

4. 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;
• inconsistent;
• based on incorrect assumptions;
• based on delayed, stale, or incomplete data;
• affected by model limitations;
• affected by data provider errors;
• affected by prompt, model, or system behavior.

AI systems may misinterpret:

• financial statements;
• SEC filings;
• earnings reports;
• analyst commentary;
• market data;
• macroeconomic conditions;
• technical indicators;
• company news;
• sentiment data;
• insider activity;
• congressional trading disclosures;
• valuation assumptions;
• risk factors;
• competitive positioning;
• sector trends.

You should independently verify all information before relying on it.

5. AI Stock Judgments, Ratings, and Research Stances

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

These may include terms such as:

• bullish;
• bearish;
• neutral;
• positive;
• negative;
• mixed;
• high conviction;
• low conviction;
• high risk;
• low risk;
• risk-on;
• risk-off;
• undervalued;
• overvalued;
• attractive;
• unattractive;
• upside;
• downside;
• scenario target;
• research score;
• risk score;
• sentiment score;
• valuation score;
• quality score;
• momentum 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, selected methodology, and platform settings at the time of generation. It may be wrong, incomplete, outdated, biased, or unsuitable for your circumstances.

6. No Buy, Sell, or Hold Recommendations

Valarn does not recommend that you buy, sell, hold, short, trade, or avoid any security.

Any Valarn score, stance, rating, scenario, summary, or research label is not an instruction to act.

You should not treat any Valarn output as a trigger for investment action.

Examples:

• “Bullish” does not mean “buy.”
• “Bearish” does not mean “sell” or “short.”
• “Neutral” does not mean “hold.”
• “High risk” does not mean “avoid.”
• “Undervalued” does not mean “buy.”
• “Overvalued” does not mean “sell.”
• “Scenario target” does not mean a price target.
• “High conviction” does not mean certainty.

7. Scenario Targets Are Not Price Targets

Valarn may generate bull-case, bear-case, base-case, upside, downside, or scenario-based estimates.

These scenario outputs are educational modeling assumptions only.

They are not:

• official price targets;
• investment recommendations;
• analyst ratings;
• forecasts;
• guarantees;
• promises of future performance;
• instructions to trade.

Scenario outputs may be based on incomplete data, assumptions, valuation multiples, AI interpretation, historical comparisons, or user-selected settings. Actual market outcomes may differ materially.

8. 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, earnings expectations, analyst estimates, valuation assumptions, technical indicators, news, sentiment, risk factors, and macroeconomic conditions may change after a report is created.

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

9. Report Dates, Data Freshness, and Source Limitations

Valarn may display report generation dates, data freshness timestamps, source references, model information, or other metadata.

These details are provided to help users evaluate a report, but they do not guarantee accuracy or completeness.

Valarn may not have access to:

• all relevant public information;
• paywalled sources;
• real-time data;
• non-English sources;
• private company information;
• non-public information;
• corrected or revised data;
• newly filed documents;
• late-breaking news;
• market-moving events after report generation.

A Valarn report should be treated as a snapshot of AI-assisted research, not a definitive conclusion about a company, security, or market.

10. No Guarantee of Accuracy, Completeness, or Balance

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

A report may:

• omit material information;
• misstate facts;
• misread financial data;
• overemphasize certain signals;
• underemphasize risks;
• miss important catalysts;
• misunderstand industry context;
• fail to include counterarguments;
• include stale or incorrect data;
• generate inconsistent conclusions;
• produce formatting or reasoning errors.

A bullish output may fail to identify serious risks.
A bearish output may fail to identify positive catalysts.
A neutral output may fail to identify important upside or downside factors.

Users are responsible for reviewing the full report, checking source data, considering contrary evidence, and forming their own independent judgment.

11. Third-Party Data and External Sources

Valarn may rely on third-party data providers, APIs, public filings, market data vendors, news sources, social sentiment sources, analyst data, earnings calendars, IPO calendars, insider transaction data, congressional trading data, AI providers, advertising networks, analytics tools, and other external services.

Third-party data may be:

• delayed;
• incomplete;
• inaccurate;
• unavailable;
• revised;
• misclassified;
• stale;
• corrupted;
• incorrectly interpreted;
• subject to provider outages;
• subject to licensing restrictions.

Valarn is not responsible for losses, damages, trading decisions, missed opportunities, or other outcomes resulting from third-party data issues.

12. 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;
• inflation;
• 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.

13. High-Risk Financial Products

Valarn may display, reference, summarize, or analyze information related to high-risk financial products, including options, leveraged ETFs, inverse ETFs, small-cap stocks, penny stocks, crypto-related equities, volatile growth stocks, IPOs, SPACs, short interest, margin-sensitive stocks, or other speculative assets.

Such products may involve elevated risk, volatility, liquidity risk, leverage risk, regulatory risk, and potential for rapid loss.

Valarn does not recommend or endorse the use of high-risk strategies or products.

14. No Tax, Legal, or Accounting Advice

Valarn may discuss tax-related, legal, accounting, regulatory, or financial reporting concepts for informational purposes.

Nothing on Valarn is legal, tax, accounting, or professional advice.

You should consult qualified professionals before making decisions involving taxes, law, accounting, business structure, estate planning, compliance, or regulatory matters.

15. No Insider Information

Valarn is designed to use public, user-provided, licensed, or third-party information.

Valarn does not seek, request, or knowingly use material non-public information.

Users must not upload, submit, request analysis of, or share insider information, confidential company information, leaked earnings, non-public merger information, or other material non-public information.

16. No Company Endorsement or Affiliation

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.

17. Company Analysis and Public Company Content

Any statements about a company are AI-generated or AI-assisted research outputs unless clearly stated otherwise.

Valarn may generate positive, negative, or neutral analysis about a company, stock, sector, management team, product, earnings result, valuation, risk profile, competitive position, or market outlook.

Such analysis may include opinions, interpretations, estimates, comparisons, and risk assessments. These outputs should not be understood as verified factual claims unless independently supported by cited source data.

Companies, issuers, representatives, or rights holders who believe Valarn content contains inaccurate, outdated, misleading, infringing, or inappropriate information may contact Valarn at [Insert Support Email].

Valarn may review, update, remove, annotate, or preserve content at its discretion, subject to applicable law, data provider rights, platform integrity, and user access considerations.

18. No Defamation or Reputation Guarantee

Valarn does not intend to defame, disparage, or harm any company, issuer, management team, officer, employee, product, service, or security.

However, AI-generated analysis may include negative interpretations, risk statements, bearish classifications, or critical summaries based on available data.

Valarn does not guarantee that all company-related outputs are accurate, complete, fair, balanced, or free from error.

19. Conflicts of Interest

Valarn, its owners, employees, contractors, affiliates, advertisers, sponsors, partners, or service providers may hold positions in securities, companies, funds, or financial products discussed on the platform.

Valarn may receive compensation from advertisers, affiliates, sponsors, partners, data providers, software providers, or other commercial relationships.

Users should consider potential conflicts of interest when reviewing platform content, advertisements, sponsored placements, stock discovery pages, watchlists, or research outputs.

Valarn does not guarantee that all potential conflicts will be identified in every report or piece of content.

20. 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.

Advertisers, sponsors, affiliates, and partners do not control Valarn’s AI-generated research outputs, research methodology, risk analysis, educational conclusions, scores, scenario targets, or research stances unless expressly disclosed.

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

21. Social Sharing and Public Content

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

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

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

Users may not use Valarn-generated content to:

• mislead others;
• manipulate markets;
• spread false rumors;
• promote pump-and-dump schemes;
• coordinate trading activity;
• impersonate analysts;
• create deceptive financial promotions;
• present AI-generated outputs as official company statements;
• remove disclaimers in a misleading way.

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

22. Alerts, Notifications, and Calendar Events

Valarn may provide alerts, reminders, calendar features, event tracking, stock catalyst reminders, earnings reminders, IPO tracking, insider activity reminders, report rerun reminders, or notifications.

Alerts and notifications may be delayed, inaccurate, unavailable, incomplete, or not delivered.

Valarn does not guarantee that you will receive alerts before market-moving events.

Calendar events and reminders are for convenience only and are not investment advice.

You are responsible for independently monitoring market events, company announcements, filings, earnings dates, IPO changes, and other relevant information.

23. Stock Discovery and Trending Lists

Valarn may provide stock discovery features, trending stock lists, AI stock ideas, top searched stocks, public dashboards, IPO watchlists, insider activity summaries, congressional trading summaries, or market theme pages.

These features are educational and informational only.

A stock appearing in Valarn discovery tools does not mean it is suitable for you, endorsed by Valarn, expected to perform well, or recommended for purchase.

Trending lists may reflect user activity, market attention, news volume, data availability, algorithmic ranking, sponsored placement, or other factors.

24. 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.

25. 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;
• AI hallucinations;
• data delays;
• data errors;
• report omissions;
• outdated reports;
• failed alerts;
• missed calendar events;
• third-party content;
• sponsored content;
• affiliate links;
• platform interruptions;
• user reliance on Valarn content;
• public sharing of Valarn content.

Your use of Valarn is at your own risk.

26. Consult a Qualified Professional

Before making financial, investment, trading, 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.

27. Updates to This Disclaimer

Valarn may update this AI & Financial Disclaimer from time to time.

If we make material changes, we may notify users through the website, account notice, email, or other reasonable method.

Your continued use of Valarn after changes become effective means you acknowledge the updated Disclaimer.

28. 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