Legal Disclaimer

Important Notice

Quorvm ("we," "us," "our," or "the Service") provides stock market analysis, research, and educational content powered by artificial intelligence. By accessing or using our Service, you acknowledge and agree to the following:

1. Not Financial Advice

• We are NOT registered investment advisors, broker-dealers, or financial planners
• We do NOT provide personalized investment recommendations
• We do NOT know your financial situation, risk tolerance, or investment objectives
• Our content should NOT be used as the sole basis for investment decisions

You should always:

• Conduct your own independent research and due diligence
• Consult with a licensed financial advisor before making investment decisions
• Consider your own financial circumstances and risk tolerance
• Verify all information from multiple independent sources

2. AI-Generated Content Limitations

Our stock analyses are generated using artificial intelligence technology:

• AI systems can make errors - Information may be inaccurate, incomplete, or outdated
• AI lacks human judgment - Our system cannot account for breaking news, market sentiment shifts, or qualitative factors that human analysts might consider
• No guarantees of accuracy - We make reasonable efforts to ensure data accuracy but cannot guarantee all information is correct or current
• Models can fail - Past performance of our AI system does not guarantee future accuracy

3. Investment Risks

Stock market investing carries significant risks:

• Market Risk - Stock prices can decline due to market conditions
• Company Risk - Individual companies can underperform or fail
• Volatility Risk - Prices can fluctuate dramatically in short periods
• Liquidity Risk - Some stocks may be difficult to sell quickly
• Economic Risk - Economic downturns can affect all investments
• Regulatory Risk - Government policies and regulations can impact stock values

Past performance does NOT guarantee future results. Historical returns, whether of the overall market, our recommendations, or individual securities, are no guarantee of future performance.

4. No Guarantee of Profits

We make NO GUARANTEES regarding:

• Investment returns or profits
• Accuracy of our stock picks or analysis
• Performance relative to market benchmarks
• Success of any investment strategy

Any hypothetical or simulated performance results have inherent limitations:

• They do not represent actual trading
• They may not reflect the impact of fees, commissions, and taxes
• They are designed with the benefit of hindsight
• No representation is made that any account will achieve similar results

5. Forward-Looking Statements

Our content may include forward-looking statements about:

• Future stock performance
• Company growth projections
• Market trends and predictions
• Earnings estimates

These statements are inherently uncertain and subject to risks:

• Actual results may differ materially from projections
• Many factors beyond our control can affect outcomes
• Market conditions can change rapidly
• Company performance can diverge from expectations

Do not rely solely on forward-looking statements when making investment decisions.

6. No Client Relationship

Use of our Service does NOT create:

• An investment advisor-client relationship
• A fiduciary duty on our part
• An obligation for us to monitor your investments
• Personalized advice tailored to your situation

We do not have access to your:

• Financial situation or net worth
• Investment objectives or time horizon
• Risk tolerance or investment experience
• Tax situation or estate planning needs

7. Third-Party Data and Links

We may use data from third-party sources:

• We do not guarantee the accuracy of third-party data
• We are not responsible for errors in third-party information
• Links to external websites are provided for convenience only
• We do not endorse third-party content or services

You access third-party websites at your own risk.

8. Conflicts of Interest

Potential Conflicts:

• Our team members may own stocks discussed on our platform
• We may receive affiliate compensation from brokerage referrals
• Advertisers or sponsors may influence which content we create (if applicable)
• We benefit financially when users subscribe to our Service

We disclose when:

• We have a financial interest in a mentioned stock
• Content is sponsored or compensated
• Affiliate relationships exist

9. Market Data and Timing

• Stock prices and data may be delayed - Real-time data may not be available
• Markets operate on specific schedules - Prices can change when markets are closed
• Corporate actions can affect prices - Splits, dividends, and other events may impact values
• Data providers may have errors - We rely on third parties for market data

Always verify current prices before trading.

10. Regulatory Disclaimer

Securities offered through:

• Quorvm does NOT offer securities
• Quorvm is NOT a registered broker-dealer
• Quorvm is NOT a member of FINRA or SIPC

For regulatory inquiries:

• U.S. Securities and Exchange Commission (SEC): www.sec.gov
• Financial Industry Regulatory Authority (FINRA): www.finra.org
• Your state securities regulator: www.nasaa.org

11. International Users

• Our Service is based in the United States
• Content may not be suitable for users outside the U.S.
• Investment regulations vary by country
• We do not provide advice on foreign securities or markets
• Tax implications may differ in your jurisdiction

Consult local legal and financial professionals if you are outside the United States.

12. Limitation of Liability

13. No Warranty

Our Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind:

• We do not warrant accuracy, completeness, or timeliness
• We do not warrant uninterrupted or error-free operation
• We do not warrant fitness for a particular purpose
• We do not warrant that our Service will meet your requirements

14. Professional Advice Recommended

We STRONGLY RECOMMEND you consult with qualified professionals:

Professional advisors can:

• Assess your complete financial picture
• Provide advice tailored to your circumstances
• Help you develop a comprehensive financial plan
• Ensure compliance with applicable regulations

15. Performance Tracking Disclaimer

When we display historical performance of our stock picks:

• Past results do not predict future performance
• Performance may not account for trading fees and commissions
• Performance calculations may differ from your actual results
• We may use different time periods or benchmarks
• Survivorship bias may affect historical comparisons

Your actual returns will vary based on:

• When you buy and sell
• Transaction costs and fees
• Tax implications
• Market timing and execution prices

16. Changes to This Disclaimer

• Modify this disclaimer at any time
• Update terms as regulations change
• Add new disclaimers as needed

Continued use of our Service after changes constitutes acceptance of updated terms.

17. Governing Law

This disclaimer is governed by the laws of the United States and the State of Delaware, without regard to conflict of law principles.

18. Contact Information

Questions about this disclaimer?

Email: legal@fin-sightx.com