Global Disclosures

All Users

  1. No registration / no advice. This website and its operators are not registered or authorised with any securities, commodities, or financial regulator in any jurisdiction. All content and tools are provided for informational and educational purposes only and do not constitute investment, legal, accounting, or tax advice; an offer, recommendation, or solicitation; or a fiduciary relationship.
  2. Investment risk. Investing involves risk, including the possible loss of principal. Markets can be volatile; strategies may underperform for extended periods; currency movements may affect returns.
  3. Hypothetical/backtested results. Any simulations, model outputs, or backtests are hypothetical, rely on assumptions, and are prepared with the benefit of hindsight. They may exclude trading frictions (commissions, spreads, slippage, borrow costs, taxes) and may not reflect liquidity or behavioural/implementation effects. Past or hypothetical results do not guarantee future outcomes. Indexes may be uninvestable.
  4. Illustrative (“exemplar”) portfolios & potential conflicts. Example portfolios are illustrative only and may, at times, include instruments preferred by our owners, affiliates, or partners. We may receive compensation (e.g., referral, advertising, revenue-share). See Partners & Affiliates.
  5. Data & methodology. Calculations rely on third-party data and user inputs believed reliable but not guaranteed complete or accurate. Methodologies, assumptions, and data sources may change without notice; outputs may differ from other providers.
  6. No execution, custody, or personalised recommendations. We do not execute trades, route orders, hold client assets, or provide personalised advice. You remain solely responsible for your investment decisions.
  7. Jurisdiction & availability. Content is not intended for distribution or use where prohibited or where registration/authorisation would be required. You are responsible for compliance with local laws. We may restrict access where legally required, including comprehensively sanctioned territories.
  8. Testimonials/ratings (if displayed). Any comments, ratings, or testimonials may not be representative and are not guarantees of performance. We disclose if compensation/consideration was provided.
  9. Third-party links. Links to third-party sites, products, or services are for convenience and do not constitute endorsement. We are not responsible for third-party content, policies, or performance.
  10. Privacy. By proceeding, you consent to the processing of your personal data according to our Privacy Policy (GDPR/UK GDPR, and applicable U.S. state laws such as CCPA/CPRA, as well as other local regimes where applicable).
  11. No warranties; limitation of liability. The site and all content/tools are provided “as is.” To the maximum extent permitted by law, we disclaim liability for errors, omissions, or losses arising from use of—or reliance on—the site.

Regional Addenda

Applies in addition to the Global Disclosures

United States

  • Regulatory status. We are not registered with the SEC or FINRA; not a broker-dealer, investment adviser, municipal adviser, CTA/CPO, or NFA member.
  • Marketing Rule context. Hypothetical/backtested results have material limitations and are provided with cautionary disclosures; comparisons to indices are illustrative only and may not be investable.
  • Paid relationships. Where required, we disclose any material connections or paid endorsements. See Partners & Affiliates.

United Kingdom

  • Regulatory status. We are not authorised by the FCA. This site is not an “invitation or inducement to engage in investment activity,” not investment research, and not a personal recommendation.
  • Consumer disclosures. No PRIIPs KID or UCITS KI(I)D is provided; content is educational and not a financial promotion directed at retail investors.

European Union / EEA

  • Regulatory status. We are not authorised by ESMA or any EU/EEA national competent authority and do not provide MiFID II investment services or advice.
  • Retail product notices. No PRIIPs KID/KIID is provided; content is educational and not a marketing communication for retail investment products.
  • Data protection. See Privacy Policy for GDPR information and user rights.

Middle East (incl. UAE, KSA, Qatar, Bahrain)

  • Regulatory status. We are not regulated by the DFSA (DIFC), FSRA (ADGM), UAE SCA, CMA (Saudi), QFCRA (QFC), CBB (Bahrain), or other regional regulators.
  • Client classification. Content is educational and not a financial promotion, investment advice, or personal recommendation. Where local rules limit reliance by “Retail Clients,” the content is not intended for such reliance.

Singapore

  • Regulatory status. We are not licensed by MAS and do not provide “financial advisory services” under the FAA. Content is educational and not a recommendation or invitation.

Hong Kong

  • Regulatory status. We are not licensed by the SFC. Content is educational and not an invitation to the public to enter into any agreement to acquire/dispose of securities.

Australia

  • Regulatory status. We are not licensed by ASIC. Content is general information only, not “financial product advice,” and not tailored to your objectives, financial situation, or needs.

Canada

  • Regulatory status. We are not registered with any Canadian securities regulator. Content is educational and not an offering memorandum or solicitation in any province or territory.

Switzerland

  • Regulatory status. We are not authorised under FinSA/FINMA. Content is not a prospectus, KID, or investment advice and is not directed to retail clients.

Japan

  • Regulatory status. We are not registered as a Financial Instruments Business Operator under the FIEA. Content is educational and not a solicitation.

Rest of World (ROW)

  • Regulatory status. We are not authorised by your local regulator. Content is educational and not an offer or solicitation. Access only where lawful.

Last Modified: October 17, 2025