Disclaimer

1. Not Financial Advice

All content provided on Cognito—including but not limited to market data, news, analysis, charts, economic indicators, research reports, community discussions, and any other information—is for general informational and educational purposes only.

• We are NOT financial advisers. We do not provide personalized financial, investment, legal, tax, or professional advice.
• We are NOT registered as investment advisers, broker-dealers, or financial planners with any regulatory authority.
• Nothing on our platform constitutes a recommendation, solicitation, or offer to buy or sell any securities, financial instruments, or investments.
• You should NOT rely on any information from our Services as the sole basis for making any financial or investment decisions.

Always conduct your own research (DYOR) and consult with qualified, licensed professionals (such as financial advisers, accountants, or lawyers) before making any financial decisions. Past performance is not indicative of future results.

2. Investment Risk Warning

Investing in financial markets involves substantial risk of loss. You should be aware that:

• All investments carry risk, including the potential loss of principal.
• Markets can be volatile and unpredictable.
• Cryptocurrency and digital assets are highly speculative and extremely volatile.
• Leverage and derivatives can amplify both gains and losses.
• Historical performance does not guarantee future results.
• You may lose some or all of your invested capital.
• Only invest money you can afford to lose.

3. No Guarantees

We make no representations, warranties, or guarantees regarding:

• The accuracy, completeness, timeliness, or reliability of any information provided.
• The performance of any investments, strategies, or financial decisions.
• The suitability of any information for your particular circumstances.
• The availability, continuity, or error-free operation of our Services.
• Any specific financial outcomes or returns.

4. Third-Party Content

Our platform may display content from third-party sources, including:

• Market data and financial information from data providers
• News headlines and summaries from various sources
• Economic indicators and statistics
• User-generated content and community discussions

Regarding third-party content:

• We do not independently verify the accuracy of third-party information.
• All copyrights and intellectual property remain with their respective owners.
• Views expressed by third parties do not represent our views.
• We are not affiliated with or endorsed by any data providers or news organizations.
• Data may be delayed and should not be used for real-time trading decisions.
• We display headlines and summaries only; we do not reproduce full articles.

5. User-Generated Content

Our platform may include community features where users can share content. Regarding user-generated content:

• Opinions expressed by users are their own and not endorsed by Cognito.
• User content should not be considered financial advice.
• We do not verify the accuracy or credentials of community members.
• You should independently verify any information before acting on it.
• We are not responsible for any losses resulting from user-generated content.

6. Limitation of Liability

7. Your Responsibility

By using our Services, you acknowledge and agree that:

• You are solely responsible for your own investment and financial decisions.
• You have read and understood this disclaimer and our Terms of Service.
• You will conduct your own due diligence before making any financial decisions.
• You will seek advice from qualified professionals when appropriate.
• You understand the risks involved in financial markets and investing.
• You will not hold us liable for any losses or damages.

8. Regulatory Notice

Cognito is an information and educational platform. We are not:

• Registered with the Financial Conduct Authority (FCA) or any other financial regulatory body
• Licensed to provide investment advice or manage investments
• A broker, dealer, or financial intermediary
• Operating under any financial services license

Different jurisdictions have different regulations regarding financial services and investments. You are responsible for ensuring compliance with laws applicable in your jurisdiction.

9. Forward-Looking Statements

Any statements about future events, market expectations, projections, or forecasts are forward-looking statements and inherently uncertain. Such statements are based on current expectations and assumptions that may prove incorrect. Actual results may differ materially from any projections or expectations discussed.

10. No Professional Relationship

Use of our Services does not create any professional relationship between you and Cognito, including but not limited to any adviser-client, attorney-client, or fiduciary relationship. We do not owe you any duties beyond those expressly stated in our Terms of Service.

11. Changes to This Disclaimer

We may update this disclaimer at any time. Changes will be effective immediately upon posting. Your continued use of our Services after any changes constitutes acceptance of the revised disclaimer. We encourage you to review this page periodically.

12. Contact Us

If you have questions about this disclaimer, please contact us through our Discord community.