Investment Disclaimer

1. Informational Purpose Only

All content, analysis, signals, recommendations, and AI-generated outputs provided by Mintfolio — including but not limited to market commentary, sector analysis, momentum scores, macroeconomic assessments, portfolio signals, and AI agent outputs — are provided for informational and educational purposes only.

Nothing on this platform constitutes:

• Financial advice or investment advice
• Trading advice or a recommendation to buy, sell, or hold any security
• Tax advice or legal advice
• A solicitation or offer to buy or sell any security

2. Not a Registered Advisor

Mintfolio, Inc. is not a registered investment advisor, broker-dealer, financial planner, or commodity trading advisor under the Investment Advisers Act of 1940, the Securities Exchange Act of 1934, or any applicable federal or state law. The platform is not regulated by the SEC, FINRA, or any other financial regulatory body.

Any mention of specific securities, ETFs, indices, or financial instruments is for illustrative and educational purposes only and does not constitute a recommendation to transact in those instruments.

3. Past Performance

Past performance of any analysis, signal, strategy, or AI-generated output is not indicative of future results. All investing involves risk, including the possible loss of principal. Markets are inherently unpredictable and historical patterns may not repeat.

4. Simulated Trading

Paper trading results displayed on Mintfolio are simulated and do not represent actual trading outcomes. Simulated results have inherent limitations and do not account for real-world factors including, but not limited to: slippage, liquidity constraints, commissions, taxes, emotional decision-making, and market impact. Actual results will differ, potentially materially, from simulated results.

5. AI-Generated Content

Mintfolio uses AI language models (including Claude, Gemini, and OpenAI models) to generate analysis and commentary. AI-generated content:

• May contain errors, hallucinations, or outdated information
• Is not reviewed by licensed financial professionals before display
• Should not be the sole or primary basis for any investment decision
• May reflect biases inherent in the underlying AI models

6. Third-Party Data

Market data, financial data, and economic data displayed on Mintfolio is sourced from third-party providers including Financial Modeling Prep (FMP), Alpha Vantage, SEC EDGAR, and others. Mintfolio does not guarantee the accuracy, completeness, timeliness, or fitness for purpose of any third-party data. Data delays, errors, and outages may occur.

7. No Fiduciary Relationship

No use of Mintfolio or its outputs creates a fiduciary relationship, advisory relationship, or any other relationship that would impose a duty of care on Mintfolio with respect to your investment decisions.

8. Your Responsibility

You are solely responsible for your investment decisions. Before making any investment decision, you should:

• Conduct your own independent research and due diligence
• Consult a qualified and licensed financial advisor, investment advisor, or other financial professional
• Consider your personal financial situation, risk tolerance, investment objectives, and time horizon
• Read all relevant prospectuses, offering documents, and disclosures for any security you consider investing in

9. Limitation of Liability

To the maximum extent permitted by applicable law, Mintfolio, Inc. and its officers, directors, employees, and agents shall not be liable for any loss or damage, direct or indirect, arising from your use of or reliance on any content, signal, analysis, or AI output on this platform. This includes, without limitation, any financial losses from investment decisions informed by platform content.

10. Acknowledgment

By using Mintfolio, you acknowledge that you have read, understood, and agreed to this Investment Disclaimer. If you do not agree, you must not use the platform.

Questions about this disclaimer may be directed to: legal@mintfolio.ai