Financial Disclaimer

Financial Disclaimer (test) Last updated: December 30, 2025

PulseIQ – Financial Disclaimer & Risk Disclosure
Effective Date: [DATE]
Last Updated: [TESTING THIS CLAUDE]

IMPORTANT NOTICE (test) This Financial Disclaimer & Risk Disclosure ("Disclaimer") applies to all content, tools, AI-generated summaries, analytics, scores, alerts, and services provided through PulseIQ, operated by [COMPANY NAME] (collectively, the "Service").

By accessing or using the Service, you acknowledge that you have read, understood, and agreed to this Disclaimer.

1. General Information Only (No Professional Advice) All content provided by PulseIQ is offered strictly for informational, educational, and research purposes only.

No Advice: Nothing on PulseIQ constitutes investment, financial, trading, legal, or tax advice. No Recommendations: PulseIQ does not recommend, endorse, or suggest the purchase, sale, or holding of any security, cryptocurrency, asset, or financial instrument. No Personalization: The Service is automated and algorithmic. It does not consider your individual financial situation, investment objectives, risk tolerance, or needs. 2. No Fiduciary or Advisory Relationship Not a Registered Adviser: [COMPANY NAME] is not registered as an investment adviser, broker-dealer, securities dealer, portfolio manager, or financial analyst with the U.S. Securities and Exchange Commission (SEC), the Ontario Securities Commission (OSC), or any other regulatory authority in Canada or the United States. No Relationship Created: Use of PulseIQ does not create any fiduciary, advisory, brokerage, or professional relationship between you and [COMPANY NAME]. 3. Artificial Intelligence & Data Limitations (READ CAREFULLY) PulseIQ uses artificial intelligence and Large Language Models (LLMs) to summarize and analyze complex financial documents. AI technology has inherent and unavoidable limitations.

You acknowledge and accept that:

Hallucinations & Errors: AI systems may generate plausible-sounding but factually incorrect information, including misstated figures (e.g., "millions" vs. "billions"), incorrect sentiment, or fabricated details. Loss of Nuance: AI summaries may omit or misinterpret legal, accounting, or financial nuances contained in regulatory filings (including "Risk Factors" or "Management Discussion & Analysis"). Source Dependency: AI outputs are dependent on third-party data. Errors in source materials (news articles, filings, feeds) will be reflected in summaries. YOU AGREE TO INDEPENDENTLY VERIFY ALL MATERIAL FACTS, FIGURES, AND CLAIMS USING OFFICIAL SOURCE DOCUMENTS BEFORE RELYING ON THEM.

4. Forward-Looking Statements The Service may summarize or reference forward-looking statements contained in company disclosures, including statements about future earnings, growth, products, strategies, or market conditions.

Not Guarantees: Forward-looking statements are based on assumptions and expectations at the time they were made and involve known and unknown risks. No Obligation to Update: PulseIQ does not monitor, update, or revise forward-looking statements if circumstances change. Safe Harbor: [COMPANY NAME] expressly disclaims any liability for a company's failure to achieve outcomes described in forward-looking statements. 5. Market Data & Timing Limitations Not Real-Time: Unless explicitly stated otherwise, market data, quotes, charts, and news may be delayed (often 15 minutes or more) due to exchange, regulatory, or technical limitations. Not for Active Trading: The Service is not designed for active trading, day trading, or high-frequency or algorithmic trading. No Liability for Delays: PulseIQ is not responsible for losses caused by data latency, interruptions, outages, or synchronization delays. 6. Hypothetical Performance, Scores & Analytics PulseIQ may present scores, ratings, sentiment indicators, classifications, or back-tested analytics.

Hypothetical Nature: These outputs are generated by algorithms using historical or aggregated data and do not represent actual trading results. No Performance Guarantee: Hypothetical or simulated results do not guarantee future performance. Model Limitations: Algorithmic outputs cannot account for real-world factors such as liquidity, transaction costs, market impact, regulatory changes, or macroeconomic events. 7. Third-Party Content & Source Materials The Service aggregates and summarizes content from third-party sources, including (but not limited to) SEC EDGAR, SEDAR+, company filings, and news outlets.

No Endorsement: PulseIQ does not endorse or guarantee the accuracy of any third-party author, analyst, publisher, or data provider. Source Review Required: You are responsible for reviewing original source documents (e.g., official 10-K, 10-Q, 8-K, annual reports, or regulatory filings) before making decisions. 8. Limitation of Liability for Financial Losses Investing in financial markets involves substantial risk, including the possible loss of all invested capital.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, [COMPANY NAME] SHALL NOT BE LIABLE FOR ANY DAMAGES, INCLUDING BUT NOT LIMITED TO:

Trading or investment losses Loss of profits, revenue, data, or opportunity Errors, omissions, or inaccuracies in content or AI outputs Service unavailability during market hours Decisions made based on use of the Service ALL USE OF THE SERVICE IS AT YOUR OWN RISK.

9. Jurisdiction & Compliance This Disclaimer is intended to comply with applicable laws in Canada (including Ontario) and the United States.

Users accessing the Service from other jurisdictions do so at their own risk and are responsible for compliance with local laws.

10. Contact Information If you have questions regarding this Disclaimer, please contact: [COMPANY NAME] [MAILING ADDRESS] Email: [legal@yourdomain.com]