INVESTMENT DISCLAIMER

Senast uppdaterad: 31 juli 2026

This Investment Disclaimer ("Disclaimer") governs the use of all investment-related information, market analyses, educational materials, AI-generated content, and other financial information provided by Concept Bandits Sweden AB, company registration number 559445-4745, with its registered office at Knäppingsborgsgatan 38, 602 26 Norrköping, Sweden ("Company", "we", "our", or "us"), through its website, applications, APIs, and related services (collectively, the "Service").

This Disclaimer should be read together with the Company's:

• Terms and Conditions;

• Privacy Policy;

• AI Disclaimer;

• Cookie Policy;

• Subscription Policy;

• Refund Policy.

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

1. PURPOSE OF THIS DISCLAIMER

1.1 Informational Purpose

The Service is designed to provide users with AI-powered financial information, market analyses, educational resources, and general investment ideas.

The primary purpose of the Service is to assist users in conducting their own independent investment research.

Nothing within the Service should be interpreted as replacing independent judgment or professional financial advice.

1.2 Educational Purpose

The Service is intended solely for educational and informational purposes.

Its purpose includes helping users better understand:

• financial markets;

• macroeconomic developments;

• market trends;

• company information;

• financial indicators;

• technical analysis concepts;

• investment terminology;

• general market behaviour.

The Service is not intended to instruct users to buy, sell, or hold any specific financial instrument.

1.3 Technology Platform

The Company operates solely as a technology provider offering AI-assisted market research tools.

The Company does not operate as:

• an investment adviser;

• an investment firm;

• a broker;

• a dealer;

• a portfolio manager;

• a financial planner;

• a wealth manager;

• a securities exchange.

2. NO INVESTMENT ADVICE

2.1 General Statement

The information available through the Service does not constitute investment advice.

No content should be interpreted as:

• investment advice;

• financial advice;

• securities advice;

• tax advice;

• legal advice;

• accounting advice;

• retirement advice;

• insurance advice.

2.2 No Personalized Advice

The Company does not provide personalized investment advice.

The Service does not consider any individual user's:

• financial situation;

• income;

• assets;

• liabilities;

• investment objectives;

• investment horizon;

• tax circumstances;

• investment experience;

• risk tolerance.

Accordingly, no information provided through the Service is intended to be suitable for any specific individual.

2.3 Independent Decision-Making

Users remain solely responsible for making their own investment decisions.

Before investing, Users should independently evaluate:

• investment risks;

• diversification;

• liquidity;

• market conditions;

• personal financial circumstances;

• applicable taxes;

• legal implications.

3. NO PERSONAL RECOMMENDATIONS

3.1 General Information Only

The Service provides only general market information.

Information presented through the Service is addressed to the general public and is not directed toward any individual user.

3.2 No Recommendation to Trade

Nothing contained within the Service constitutes a recommendation or solicitation to:

• purchase securities;

• sell securities;

• hold securities;

• enter financial contracts;

• invest in cryptocurrencies;

• participate in any investment strategy.

All decisions remain entirely the responsibility of the User.

3.3 No Fiduciary Relationship

Use of the Service does not create:

• a fiduciary relationship;

• an advisory relationship;

• an investment management agreement;

• a brokerage relationship;

• an agency relationship.

The Company acts solely as a provider of AI-powered informational technology.

4. MARKET ANALYSIS

4.1 Nature of Market Analyses

The Service provides AI-assisted market analyses based upon:

• publicly available information;

• historical market data;

• statistical models;

• technical indicators;

• market news;

• financial reports;

• macroeconomic information;

• quantitative analysis.

Market analyses are intended solely to support independent research.

4.2 AI-Assisted Analysis

Market analyses generated through the Service are produced using artificial intelligence together with analytical models and publicly available information.

AI-generated analyses may include:

• trend identification;

• sentiment analysis;

• volatility assessments;

• technical observations;

• statistical summaries;

• market commentary.

Such analyses should not be interpreted as factual predictions of future market performance.

4.3 Dynamic Markets

Financial markets change continuously.

Information that is accurate at one point in time may become inaccurate due to:

• market developments;

• regulatory changes;

• company announcements;

• geopolitical events;

• economic developments;

• unexpected global events.

Users should always verify relevant information independently before making financial decisions.

5. INVESTMENT IDEAS

5.1 General Investment Ideas

The Service may generate general investment ideas using AI-powered analytical systems.

These investment ideas are intended solely to inspire further independent research.

5.2 No Guarantee

Investment ideas do not constitute:

• recommendations;

• guarantees;

• forecasts;

• promises of profitability;

• predictions of future market performance.

Past market behaviour should never be interpreted as an indication of future results.

5.3 Independent Evaluation

Users should independently evaluate any investment idea before taking action.

This may include reviewing:

• official company filings;

• audited financial statements;

• market disclosures;

• regulatory announcements;

• independent research;

• licensed financial advisers where appropriate.

6. FINANCIAL RISK

6.1 Investment Risk

All investments involve risk.

Users acknowledge that investing in financial markets may result in partial or complete loss of invested capital.

6.2 Types of Risk

Investment risks include, but are not limited to:

• market risk;

• liquidity risk;

• credit risk;

• inflation risk;

• currency risk;

• geopolitical risk;

• interest rate risk;

• technological risk;

• operational risk;

• regulatory risk.

Different asset classes involve different levels of risk.

6.3 Volatility

Financial markets may experience substantial price fluctuations over short periods.

High volatility may increase both potential gains and potential losses.

Users should carefully consider whether any investment is appropriate in light of their own financial circumstances.

7. NO GUARANTEES

7.1 No Guarantee of Results

The Company does not guarantee that any information, market analysis, AI-generated content, or investment idea available through the Service will result in profitable investments or successful financial outcomes.

Investment performance depends upon numerous factors beyond the Company's control.

7.2 No Guarantee of Accuracy

Although the Company makes reasonable efforts to provide reliable information, no representation or warranty is made that any information provided through the Service is:

• accurate;

• complete;

• current;

• reliable;

• error-free;

• suitable for any particular purpose.

Users should independently verify all information before making financial decisions.

7.3 No Guarantee of Availability

The Company does not guarantee uninterrupted access to:

• AI services;

• market analyses;

• market data;

• news feeds;

• investment ideas;

• dashboards;

• APIs;

• premium features.

Temporary interruptions may occur due to maintenance, technical issues, third-party service failures, or events beyond the Company's reasonable control.

7.4 No Guarantee of Financial Performance

The Company makes no representation or warranty regarding:

• profitability;

• future returns;

• portfolio growth;

• capital preservation;

• market timing;

• investment success.

Past performance shall never be interpreted as an indication of future results.

8. ACCURACY OF INFORMATION

8.1 Information Sources

The Service may use information obtained from:

• publicly available sources;

• licensed market data providers;

• financial news providers;

• regulatory filings;

• company disclosures;

• statistical databases;

• AI-generated analysis.

Despite reasonable efforts, such information may contain inaccuracies or omissions.

8.2 Timeliness

Financial information changes continuously.

The Company does not guarantee that information displayed through the Service reflects the most recent market developments.

Delays may occur due to:

• market data providers;

• exchange reporting schedules;

• third-party APIs;

• technical issues.

8.3 User Verification

Users are solely responsible for verifying any information before relying upon it.

Where appropriate, Users should consult official sources before making investment decisions.

9. THIRD-PARTY INFORMATION

9.1 External Content

The Service may display or reference information originating from third parties.

Examples include:

• financial news;

• stock exchanges;

• public company filings;

• analyst reports;

• economic statistics;

• financial databases.

The Company does not control such third-party information.

9.2 No Responsibility

The Company is not responsible for:

• inaccuracies;

• omissions;

• outdated information;

• delayed information;

• technical failures;

• changes made by third-party providers.

Users acknowledge that third-party information may change without notice.

10. AI LIMITATIONS

10.1 AI Technology

The Service utilizes artificial intelligence to generate market analyses and educational investment insights.

Artificial intelligence relies upon statistical models, historical information, and available market data.

Accordingly, AI-generated outputs are inherently probabilistic.

10.2 AI May Be Incorrect

AI-generated information may occasionally:

• contain factual errors;

• misunderstand context;

• misinterpret financial information;

• produce incomplete analyses;

• generate inconsistent conclusions;

• summarize information inaccurately.

Users should not rely exclusively upon AI-generated content.

10.3 Human Judgment

The Company encourages Users to apply independent judgment when evaluating AI-generated information.

AI should be viewed as a research tool rather than a replacement for human analysis.

10.4 AI Model Updates

The Company continuously improves its AI systems.

Accordingly, AI-generated outputs may differ over time as models, methodologies, and analytical techniques evolve.

11. HISTORICAL PERFORMANCE

11.1 Historical Data

Historical market information is provided solely for educational and analytical purposes.

Historical performance should never be interpreted as a guarantee or prediction of future investment performance.

11.2 Statistical Analysis

Historical trends may be used to illustrate statistical relationships.

Such analyses do not establish that similar outcomes will occur in the future.

11.3 Market Conditions

Future market conditions may differ significantly from historical environments.

Changes in economic conditions, regulations, technology, or geopolitical events may materially affect investment outcomes.

12. FORWARD-LOOKING STATEMENTS

12.1 Nature of Forward-Looking Statements

Certain analyses may include forward-looking observations based upon assumptions, statistical models, or AI-generated probabilities.

Forward-looking statements involve uncertainty.

12.2 No Prediction

Nothing within the Service predicts future market movements with certainty.

Financial markets are influenced by factors that cannot be fully anticipated.

12.3 Changing Circumstances

Forward-looking analyses may become inaccurate without prior notice due to changing market conditions.

Users should not assume that previously published analyses remain current.

13. MARKET DATA PROVIDERS

13.1 Data Sources

The Company may obtain market information from licensed or publicly available providers.

Examples include:

• stock exchanges;

• financial information vendors;

• economic institutions;

• regulatory authorities;

• company reports.

13.2 Delayed Data

Certain market data may be delayed depending upon licensing agreements or technical limitations.

Unless expressly stated otherwise, real-time market data should not be assumed.

13.3 Licensing Restrictions

Certain market data may be subject to licensing restrictions imposed by third-party providers.

Users may not reproduce, redistribute, or commercially exploit such information unless permitted under applicable licensing terms.

14. USER RESPONSIBILITY

14.1 Independent Research

Users remain solely responsible for conducting their own investment research before making financial decisions.

The Company strongly encourages users to review multiple independent information sources.

14.2 Financial Decisions

All financial decisions are made solely at the User's own risk.

The Company accepts no responsibility for investment losses resulting from decisions made by Users.

14.3 Portfolio Management

Users are solely responsible for:

• asset allocation;

• diversification;

• position sizing;

• risk management;

• tax considerations;

• investment monitoring.

15. PROFESSIONAL ADVICE

15.1 Independent Professional Advice

Where appropriate, Users should seek advice from qualified professionals before making significant financial decisions.

Such professionals may include:

• licensed financial advisers;

• tax advisers;

• accountants;

• legal advisers.

15.2 No Replacement

The Service is not intended to replace professional financial advice tailored to an individual's personal circumstances.

Users remain solely responsible for determining whether any investment is suitable for their financial objectives.

16. LIMITATION OF LIABILITY

16.1 General Limitation

To the fullest extent permitted by applicable law, the Company, its affiliates, directors, officers, employees, shareholders, contractors, licensors, suppliers, and partners shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages arising out of or relating to your use of, or inability to use, the Service.

16.2 Financial Losses

Without limitation, the Company shall not be liable for:

• investment losses;

• trading losses;

• loss of profits;

• loss of capital;

• unrealized gains;

• missed investment opportunities;

• portfolio underperformance;

• market volatility;

• exchange rate fluctuations;

• losses resulting from market downturns.

All investments involve risk, and the User assumes full responsibility for any financial decisions made.

16.3 Reliance on Information

Users acknowledge that any reliance placed upon:

• AI-generated analyses;

• market commentary;

• investment ideas;

• statistical models;

• financial news;

• educational materials;

• technical indicators;

• market summaries;

is entirely at the User's own risk.

The Company shall not be responsible for any decisions made based on such information.

16.4 Third-Party Services

The Company shall not be liable for damages arising from:

• failures of market data providers;

• interruptions in third-party APIs;

• cloud service outages;

• payment provider failures;

• internet disruptions;

• delays caused by external service providers.

16.5 Maximum Liability

To the fullest extent permitted by law, the Company's total aggregate liability arising out of or relating to the Service shall not exceed the total subscription fees actually paid by the User during the twelve (12) months immediately preceding the event giving rise to the claim.

Nothing in this Disclaimer excludes liability that cannot legally be excluded under applicable law.

17. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless the Company, its affiliates, directors, officers, employees, contractors, licensors, successors, and assigns against any claims, liabilities, damages, losses, judgments, penalties, costs, expenses, and reasonable legal fees arising out of or relating to:

• your breach of this Disclaimer;

• your violation of the Terms and Conditions;

• your misuse of the Service;

• your violation of applicable laws;

• your infringement of third-party rights;

• fraudulent or unlawful activity conducted through your Account.

This obligation survives termination of your Account and your use of the Service.

18. REGULATORY COMPLIANCE

18.1 No Regulated Investment Service

Unless expressly stated otherwise, the Company does not provide regulated investment services requiring authorization under applicable financial services legislation.

The Service is intended solely as an informational technology platform providing AI-assisted market research and educational content.

18.2 Compliance with Applicable Law

Users are solely responsible for ensuring that their use of the Service complies with the laws and regulations applicable in their jurisdiction.

The availability of the Service does not constitute an offer where prohibited by law.

18.3 Local Restrictions

Certain financial products or investment opportunities discussed through the Service may not be available or lawful in all jurisdictions.

Users are responsible for determining whether they are legally permitted to access or invest in any financial instrument.

19. CHANGES TO THIS DISCLAIMER

The Company reserves the right to modify this Investment Disclaimer at any time.

Updates may be made to reflect:

• changes in applicable law;

• regulatory developments;

• improvements to the Service;

• changes in AI technologies;

• operational requirements;

• business developments.

Where required by law, Users will receive reasonable notice of material changes.

Continued use of the Service following the effective date of an updated Disclaimer constitutes acknowledgment of the revised Disclaimer.

20. GOVERNING LAW

This Investment Disclaimer shall be governed by and interpreted in accordance with the laws of the Kingdom of Sweden.

Nothing in this Disclaimer limits mandatory consumer rights that cannot be excluded under applicable law, including mandatory protections available to consumers within the European Union.

21. DISPUTE RESOLUTION

The parties agree to attempt to resolve disputes through good faith discussions before initiating legal proceedings.

If a dispute cannot be resolved amicably, it shall be submitted to the competent courts of Sweden, unless mandatory consumer protection legislation provides otherwise.

Consumers may also have access to alternative dispute resolution mechanisms where required by applicable law.

22. SEVERABILITY

If any provision of this Disclaimer is determined to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

The invalid provision shall be interpreted, where possible, in a manner that most closely reflects its original purpose while complying with applicable law.

23. ENTIRE DISCLAIMER

This Investment Disclaimer forms part of the Company's legal documentation and should be read together with:

• Terms and Conditions;

• Privacy Policy;

• AI Disclaimer;

• Cookie Policy;

• Subscription Policy;

• Refund Policy.

In the event of any inconsistency, mandatory provisions of applicable law shall prevail.

24. CONTACT INFORMATION

If you have questions regarding this Investment Disclaimer or the Service, please contact:

Concept Bandits Sweden AB Company Registration Number: 559445-4745 Knäppingsborgsgatan 38
602 26 Norrköping
Sweden

Email: [Support Email]

Website: [Website URL]

The Company will make reasonable efforts to respond to enquiries within a reasonable period.

25. EFFECTIVE DATE

This Investment Disclaimer becomes effective on the date specified at the beginning of this document and remains in force until amended or replaced by the Company.

ACKNOWLEDGEMENT

By creating an Account, purchasing a Subscription, or otherwise accessing or using the Service, you acknowledge that:

• you have read this Investment Disclaimer;

• you understand its contents;

• you understand that the Service provides general informational and educational content;

• you understand that the Service does not provide personalized investment advice or financial recommendations;

• you accept full responsibility for your own investment decisions and any resulting financial outcomes.