Disclosures

1. General Disclaimer

FinquillOS is an AI-powered research and analysis platform provided by Finquill, Inc. The platform is designed for informational and educational purposes only. Nothing on this platform constitutes financial advice, investment advice, trading advice, or any other form of professional advice. You should not make any investment decision based solely on information provided by FinquillOS without consulting with a qualified, licensed financial professional.

2. Regulatory Status

Finquill, Inc. is a technology company that provides software tools for investment research. It is important to understand:

• Finquill, Inc. is not a registered broker-dealer with the SEC or any state securities regulatory authority
• Finquill, Inc. is not a registered investment advisor (RIA) under the Investment Advisers Act of 1940
• Finquill, Inc. is not a financial planner, fiduciary, or licensed financial professional
• Finquill, Inc. does not manage client assets, execute trades, or have custody of user funds
• Finquill, Inc. is not a member of FINRA or SIPC

Any brokerage integrations available through the platform are provided by independent third-party services. Users maintain their own accounts directly with those providers and are bound by those providers' terms, fees, and regulatory frameworks.

3. AI-Generated Content

Content generated by our AI systems — including investment theses, signals, research reports, sentiment scores, and analysis — is produced by machine learning models and is subject to important limitations:

• AI outputs may contain inaccuracies, errors, hallucinations, or outdated information
• AI models are trained on historical data and may not account for current or future market conditions
• AI-generated "signals" and "confidence scores" are statistical estimates, not guarantees
• AI models may exhibit biases present in their training data
• AI-generated research does not constitute a recommendation to buy, sell, or hold any security

Always verify AI-generated information independently and consult with qualified financial professionals before making investment decisions.

4. Investment Risks

All investments involve risk, including the potential loss of your entire principal. You should be aware of the following risks:

• Market risk: The value of investments can fluctuate due to market conditions, economic factors, and geopolitical events
• Liquidity risk: Some securities may be difficult to sell at a desired price or time
• Concentration risk: Overexposure to a single security, sector, or asset class can amplify losses
• Volatility risk: Cryptocurrency and digital assets are particularly volatile and carry additional risks including regulatory uncertainty and technological risks
• Leverage risk: Trading on margin or using leveraged instruments can magnify both gains and losses
• Technology risk: System outages, data errors, or connectivity issues may affect trading execution

Past performance of any security, market sector, or investment strategy does not guarantee future results. You should only invest money that you can afford to lose.

5. No Guarantee of Returns

Any performance metrics, accuracy statistics, return figures, or success rates displayed on the platform — including those for AI signals, research predictions, or backtested strategies — are historical or hypothetical in nature and do not guarantee future performance. Simulated or backtested results have inherent limitations: they are designed with the benefit of hindsight, do not account for all market conditions, and may not reflect actual trading costs, slippage, or liquidity constraints. Actual results may differ materially from simulated results.

6. Data Accuracy & Timeliness

While we strive to provide accurate and timely information:

• Market data is sourced from third-party providers and may be delayed by 15 minutes or more unless otherwise indicated
• We do not warrant the accuracy, completeness, or timeliness of any data displayed on the platform
• Financial data (prices, volumes, fundamentals) may contain errors or discrepancies from official sources
• Real-time data availability depends on your subscription level and third-party data provider agreements
• News and media content is aggregated from external sources and may not represent the most current information

7. Third-Party Content & Links

FinquillOS aggregates and displays content from third-party sources including news outlets, SEC filings, earnings transcripts, and analyst reports. We do not endorse, verify, or guarantee the accuracy of any third-party content. The views and opinions expressed in third-party content are those of the original authors and do not reflect the views of Finquill, Inc. Links to external websites are provided for convenience only and do not constitute an endorsement or recommendation.

8. Fee Disclosure

FinquillOS charges subscription fees for access to the platform and its features. Fees are described on our pricing page and in your subscription agreement. We may earn revenue from partnerships with third-party service providers. Any applicable fees from third-party services (brokerage commissions, exchange fees, data provider fees) are determined by those providers and are separate from FinquillOS subscription fees. We do not charge commissions on trades or receive payment for order flow.

9. Conflicts of Interest

Finquill, Inc. employees, contractors, and affiliates may hold positions in securities mentioned or analyzed on the platform. AI-generated content is produced algorithmically and is not influenced by any positions held by Finquill personnel. We strive to manage potential conflicts of interest through internal policies, but users should be aware that conflicts may exist. FinquillOS does not engage in proprietary trading.

10. Tax Considerations

FinquillOS does not provide tax advice. Investment activities may have tax implications that vary based on your jurisdiction, personal circumstances, and the specific instruments traded. You are solely responsible for determining your tax obligations and should consult with a qualified tax professional regarding the tax consequences of your investment activities.

11. Complaints & Dispute Resolution

If you have a complaint about our services or believe you have been treated unfairly, please contact us at hello@finquill.ai. We will acknowledge your complaint within 5 business days and aim to provide a resolution within 30 days. If you are not satisfied with our response, you may pursue dispute resolution as described in our Terms of Service.

12. Forward-Looking Statements

Certain content on FinquillOS, including AI-generated research and analysis, may contain forward-looking statements. These statements are based on current expectations and assumptions and are subject to risks and uncertainties that could cause actual results to differ materially. Forward-looking statements should not be relied upon as predictions of future events.

13. Contact

For questions about these disclosures, please contact us at: