Financial Disclaimer

1. Nature of Psychnex Services

Psychnex is a technology platform that provides:

• Educational Content: Articles, guides, and resources about behavioral finance, personal finance, and wealth management
• Financial Tracking Tools: Software to track income, expenses, debts, net worth, and financial goals
• Behavioral Insights: AI-generated observations based on behavioral finance principles and your financial data
• Specialist Connections: A marketplace to connect with licensed financial advisors and specialists (who are independent third parties)

Psychnex does not manage your money, execute trades, provide investment advice, or make financial decisions on your behalf.

2. Not Financial Advice

The information provided by Psychnex, including AI-generated insights, suggestions, and content, is not personalized financial advice. It is general educational information that may not be suitable for your specific financial situation, goals, risk tolerance, or circumstances.

Before making any financial decisions, you should:

• Consult with a licensed financial advisor, certified financial planner (CFP), or registered investment advisor (RIA)
• Conduct your own research and due diligence
• Consider your personal financial situation, goals, and risk tolerance
• Seek advice from tax professionals, accountants, or attorneys as needed

Psychnex is not responsible for any financial decisions you make based on information provided through the Platform.

3. No Investment Recommendations

Psychnex does not recommend, endorse, or advise on the purchase or sale of any securities, stocks, bonds, mutual funds, ETFs, cryptocurrencies, or other investment products. Any mention of specific investments is for educational purposes only and should not be construed as a recommendation.

Investment Risks: All investments carry risk, including the potential loss of principal. Past performance is not indicative of future results. You should carefully consider your investment objectives, risk tolerance, and financial situation before investing.

4. Third-Party Financial Advisors and Specialists

Psychnex provides a marketplace to connect users with independent financial advisors, specialists, and professionals. These advisors are not employees or agents of Psychnex. They are independent third parties who operate their own practices.

Important:

• Psychnex does not verify the credentials, qualifications, or performance of third-party advisors
• You are responsible for conducting your own due diligence before engaging any advisor
• Any advice or services provided by third-party advisors are governed by their own terms, agreements, and professional standards
• Psychnex is not liable for the actions, advice, or services of third-party advisors

Always verify that any financial advisor you work with is properly licensed and registered with the appropriate regulatory authorities (SEC, FINRA, state regulators).

5. AI-Generated Insights and Content

Psychnex uses artificial intelligence (AI) to generate personalized insights, suggestions, and content based on behavioral finance principles and your financial data. AI-generated content is not financial advice.

Limitations of AI:

• AI models may produce inaccurate, incomplete, or outdated information
• AI cannot account for all personal circumstances, emotions, or external factors
• AI insights are based on patterns and probabilities, not guarantees
• AI is not a substitute for professional human judgment and expertise

You should independently verify any AI-generated information and consult with licensed professionals before acting on it.

6. No Guarantees of Financial Results

Psychnex does not guarantee any specific financial outcomes, including but not limited to:

• Debt elimination or reduction
• Wealth accumulation or net worth growth
• Investment returns or profits
• Savings goals achievement
• Financial independence or retirement readiness

Individual financial results depend on many factors, including personal behavior, discipline, market conditions, economic factors, and circumstances beyond Psychnex's control.

7. Accuracy of Information

While we strive to provide accurate and up-to-date information, Psychnex makes no representations or warranties about the accuracy, completeness, reliability, or timeliness of any content on the Platform.

Financial data accuracy: Financial data displayed on Psychnex is based on information you provide or data retrieved from third-party services (such as Plaid). We are not responsible for errors, omissions, or inaccuracies in this data.

You should regularly review your financial data for accuracy and report any discrepancies to the appropriate financial institutions.

8. Tax Implications

Psychnex does not provide tax advice. Any information related to taxes is for general educational purposes only and should not be relied upon for tax planning or filing.

Tax laws are complex and vary by jurisdiction. You should consult with a qualified tax professional (CPA, enrolled agent, or tax attorney) for advice specific to your situation.

9. Regulatory Compliance and Licensing

Psychnex is not registered as:

• An investment advisor with the U.S. Securities and Exchange Commission (SEC) or any state securities regulator
• A broker-dealer with the Financial Industry Regulatory Authority (FINRA)
• A bank, credit union, or financial institution
• An insurance company or insurance agent

Psychnex operates as a technology platform and software-as-a-service (SaaS) provider. We do not hold, manage, or have custody of your funds.

State-Specific Regulations: Financial services regulations vary by state. Some states may have additional requirements or restrictions. You are responsible for ensuring your use of Psychnex complies with applicable state laws.

10. Regulatory Verification Disclaimer

Psychnex provides access to regulatory verification tools that query U.S. government and industry databases including FDIC (bank institutions), SEC EDGAR (company registrations), FINRA BrokerCheck, Treasury OFAC (sanctions screening), NIPR (insurance producer licenses), and NMLS (mortgage originator licenses).

Important limitations:

• Verification results are proxied directly from regulatory databases and are current only as of the query date
• Psychnex does not endorse, certify, or guarantee the accuracy, completeness, or timeliness of regulatory data
• Users must independently verify critical regulatory information directly with the relevant agency
• Regulatory verification is provided for due diligence and educational purposes only — it does not replace direct verification by a licensed professional
• Psychnex is not a regulatory agency, not a licensed securities firm, and not a financial institution

The Watch Portal (first responder vertical) includes specialized verification features. Access to the Watch Portal may require enhanced identity verification. Watch Portal verification data is subject to the same limitations as all other regulatory verification tools.

11. Forward-Looking Statements

Psychnex may provide projections, forecasts, or estimates about future financial outcomes (such as debt payoff timelines, savings goals, or net worth projections). These are forward-looking statements based on assumptions and current data.

Forward-looking statements are not guarantees and are subject to risks, uncertainties, and changes in circumstances. Actual results may differ materially from projections. You should not rely solely on forward-looking statements when making financial decisions.

12. Third-Party Links and Services

Psychnex may contain links to third-party websites, services, or resources. These links are provided for convenience only. Psychnex does not endorse, control, or assume responsibility for the content, accuracy, or practices of third-party sites.

Your use of third-party services (such as Plaid for bank connections or Stripe for payments) is subject to their respective terms and privacy policies.

13. Risk Acknowledgment

By using Psychnex, you acknowledge and accept the following risks:

• Market Risk: Financial markets are volatile and unpredictable. Investments can lose value.
• Behavioral Risk: Your financial decisions are influenced by emotions, biases, and psychological factors that may lead to suboptimal outcomes.
• Data Risk: Financial data may be incomplete, inaccurate, or delayed.
• Technology Risk: Software, AI, and technology systems may malfunction, contain errors, or be subject to security breaches.
• Regulatory Risk: Changes in laws, regulations, or tax policies may affect your financial situation.

You use Psychnex at your own risk. Psychnex is not liable for any losses, damages, or adverse outcomes resulting from your use of the Platform.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Psychnex AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

• Your use of or reliance on information provided by Psychnex
• Financial decisions made based on Psychnex content or insights
• Investment losses or financial setbacks
• Errors, omissions, or inaccuracies in data or content
• Actions or advice of third-party advisors or specialists
• Security breaches, data loss, or system failures

IN NO EVENT SHALL Psychnex'S TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO Psychnex IN THE 12 MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

15. Seek Professional Advice

Psychnex strongly recommends that you consult with licensed professionals before making significant financial decisions:

• Financial Advisors: Certified Financial Planner (CFP), Registered Investment Advisor (RIA), or Chartered Financial Analyst (CFA)
• Tax Professionals: Certified Public Accountant (CPA), Enrolled Agent (EA), or Tax Attorney
• Legal Counsel: Attorney specializing in estate planning, contracts, or financial law
• Insurance Agents: Licensed insurance professionals for life, health, or property insurance

Professional advisors can provide personalized guidance tailored to your unique circumstances, goals, and risk tolerance.

16. Changes to This Disclaimer

We may update this Financial Disclaimer from time to time. We will notify you of material changes by posting the updated disclaimer on this page and updating the "Last Updated" date. Your continued use of Psychnex after changes are posted constitutes acceptance of the revised disclaimer.

17. Contact Information

If you have questions about this Financial Disclaimer, please contact us: