Investment Disclaimer

Effective Date: 30.07.2025
Last Updated: 15.08.2025

Welcome to HumanomicsX (the "Website"), operated by HumanomicsX ("we," "our," or "us").

We provide financial content including analysis of stocks, bonds, cryptocurrencies, metals, commodities, options, currencies, businesses, and real estate via this Website, email, PDF reports, and subscriptions. By using our services, you agree to the following disclaimer.

Educational and Informational Purposes Only

Yes—we do share our opinions, analysis, research, and investment ideas across multiple asset classes including stocks, bonds, cryptocurrencies, precious metals, commodities, options, foreign currencies, business investments, and real estate opportunities.

However, everything we publish is strictly for general informational and educational purposes only. It is not tailored to your personal financial situation, goals, risk tolerance, or investment timeline.

We do not act as your financial advisor, and nothing we provide should be taken as:

• Personal investment advice

• Legal advice

• Professional tax advice (though we may provide general tax information)

• A recommendation to buy, sell, or hold any security for your specific circumstances

• Professional financial planning services

You must make your own independent decisions, or consult licensed professionals before acting on anything we provide.

No Professional Registration or Credentials

Important: We are not registered investment advisors, licensed financial planners, certified public accountants, attorneys, or any other type of licensed financial professionals. We do not hold professional financial credentials or certifications.

Our content represents personal opinions, research, and analysis based on our own experience and study—not professional financial advice.

Personal Investment Disclosure

Conflict of Interest Notice: We may own positions in securities, assets, or investments that we discuss, analyze, or recommend. We may buy or sell these positions at any time without notice. This creates potential conflicts of interest as we may benefit from price movements in assets we write about.

We do not guarantee that we will disclose every position we hold, though we strive for transparency when discussing specific investments.

International Users and Regulations

Our content is available globally, but financial regulations vary significantly by country. Our analysis may reference:

• U.S. securities and markets

• International stocks, bonds, and assets

• Global economic conditions and opportunities

• Currency and commodity markets worldwide

However: Tax implications, legal requirements, investment rules, and available investment vehicles differ dramatically by jurisdiction. You are responsible for understanding and complying with your local laws and regulations.

We cannot provide advice specific to your country's:

• Tax laws and implications

• Investment regulations

• Legal requirements for investors

• Available investment products and restrictions

Always consult local licensed professionals familiar with your jurisdiction's rules before making investment decisions.

Tax Information Limitations

While we may provide general information about tax strategies, tax-advantaged accounts, or tax implications of investments, we are not tax professionals.

Any tax-related content is for general educational purposes only and should not be considered professional tax advice. Tax laws are complex, change frequently, and vary by jurisdiction.

You must consult with qualified tax professionals (CPAs, tax attorneys, or licensed tax preparers) for advice specific to your situation.

Asset Class Coverage and Risks

Our content may cover multiple asset classes, each with unique risks:

Traditional Investments

• Stocks: Market risk, company-specific risk, sector risk

• Bonds: Interest rate risk, credit risk, inflation risk

• Real Estate: Market risk, liquidity risk, property-specific risk

Alternative Investments

• Cryptocurrencies: Extreme volatility, regulatory risk, technology risk

• Precious Metals: Price volatility, storage costs, liquidity considerations

• Commodities: Price volatility, supply/demand factors, geopolitical risks

• Options: Complexity, time decay, leverage risk, potential total loss

• Foreign Currencies: Exchange rate risk, political risk, economic instability

Business Investments

• Private businesses: Illiquidity, management risk, market risk, total loss potential

Each asset class requires different knowledge, risk tolerance, and investment approaches. What works for one investor may be entirely inappropriate for another.

No Responsibility or Liability

By accessing HumanomicsX or using our paid or free content, you agree that:

• You are 100% responsible for your own investment decisions

• We accept no liability for any gains or losses, financial or otherwise, that result from using our reports, analysis, or strategies

• You use our content at your own risk

• You understand that following our analysis or suggestions could result in significant financial losses

We are not liable for any direct, indirect, incidental, or consequential loss resulting from reliance on our content, including but not limited to:

• Investment losses

• Missed opportunities

• Tax consequences

• Legal issues

• Regulatory violations in your jurisdiction

Investment Risk Warnings

General Investment Risks

Investing involves substantial risk. You can lose money. Markets fluctuate unpredictably. Past performance is not a guarantee of future results. Our opinions and estimates may be wrong, change over time, or be based on incomplete information.

Specific Asset Warnings

• Stocks: Can lose 100% of value, companies can go bankrupt

• Cryptocurrencies: Extremely volatile, regulatory uncertainty, potential total loss

• Options: Complex derivatives that can expire worthless

• Foreign investments: Currency risk, political instability, different regulations

• Real estate: Illiquid, market-dependent, ongoing costs and risks

• Commodities: Price volatility based on supply, demand, and global events

Leverage and Speculation Risks

Some investments we discuss may involve leverage, derivatives, or speculative strategies that can amplify both gains and losses. These are suitable only for experienced investors who can afford significant losses.

No Professional or Client Relationship

Your use of our website, purchase of any membership, PDF, subscription, or any other interaction does not create:

• A fiduciary relationship

• An advisory relationship

• A client-advisor relationship

• Any professional duty of care

We do not owe you any duty of care, suitability analysis, or ongoing monitoring obligations that licensed financial advisors would provide.

Content Accuracy and Timeliness

While we strive for accuracy, we do not guarantee:

• The completeness, reliability, or timeliness of any content

• That our analysis is free from errors

• That market conditions haven't changed since publication

• That our opinions remain current

Markets change rapidly. Information that was accurate when published may become outdated quickly. You are responsible for verifying any information before acting on it.

We may update, revise, or withdraw our analysis without notice. We are under no obligation to update previously published content.

Performance Claims and Results

Any performance numbers, returns, or results we share:

• Are not guaranteed to continue

• May not reflect all costs, taxes, or fees

• Cannot be replicated by all investors

• May represent past performance only

• Should not be considered typical or expected results

Individual results will vary significantly based on timing, execution, market conditions, costs, and numerous other factors.

Third-Party Information

We may reference or rely on third-party data, research, or analysis. We do not guarantee the accuracy of third-party information and are not responsible for errors in external sources.

Affiliate Disclosure

We may include affiliate links in our content. If you purchase through these links, we may earn a commission at no extra cost to you. This creates a potential conflict of interest as we may benefit financially from your purchases.

Affiliate relationships do not influence our investment analysis, but you should be aware of this potential bias when evaluating any products or services we mention.

Emergency and Time-Sensitive Information

Some of our premium services include "emergency alerts" or "time-sensitive" market notifications. These are:

• Not emergency financial advice

• Informational observations about market conditions

• Not recommendations to take immediate action

• Subject to all limitations in this disclaimer

Never make urgent investment decisions based solely on our alerts. Always take time to research and consider your personal situation.

Jurisdiction and Governing Law

This disclaimer is governed by applicable law. If any provision is found unenforceable, the remaining provisions will remain in full effect.

Changes to This Disclaimer

We may update this Disclaimer at any time without prior notice. Continued use of the Website or any service means you accept the current version.

Your use of our services constitutes acknowledgment that you have read, understood, and agreed to all terms in this Disclaimer.

Contact Information

If you have questions about this Disclaimer, reach us at: support@humanomicsx.com

IMPORTANT REMINDER: This disclaimer applies to ALL content we provide across all platforms (website, email, PDFs, social media, etc.). You invest at your own risk. Always consult qualified professionals before making financial decisions.