Disclosure

1. Important Notice

2. Educational Content Disclaimer

All content on InvestmentBasic, including but not limited to articles, guides, calculators, tools, and data displays, is provided for general educational and informational purposes only.

The information presented on this website:

• Is not tailored to your specific financial situation, needs, or goals
• Should not be relied upon as the sole basis for investment decisions
• May not be suitable for your particular circumstances
• Does not constitute a complete analysis of any investment strategy or financial topic
• May become outdated as market conditions and regulations change

You should always consult with qualified financial, legal, and tax professionals who can assess your individual situation before making any investment decisions.

3. Investment Risk Disclosure

Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be profitable.

Important risk considerations include:

• Market Risk: The value of investments may decline due to general market conditions.
• Inflation Risk: The purchasing power of your investment returns may be eroded by inflation.
• Interest Rate Risk: Changes in interest rates can affect the value of fixed-income investments.
• Liquidity Risk: Some investments may be difficult to sell quickly at a fair price.
• Currency Risk: International investments are subject to exchange rate fluctuations.
• Concentration Risk: Lack of diversification can increase portfolio volatility.
• Credit Risk: Bond issuers may default on payments.
• Regulatory Risk: Changes in laws or regulations can impact investments.

Never invest money you cannot afford to lose.

4. Market Data Disclosure

InvestmentBasic displays market data and economic indicators from third-party sources. Regarding this data:

• Data Sources: We use Finnhub for stock market data and the Federal Reserve Economic Data (FRED) for economic indicators.
• Delays: Market data may be delayed by 15-20 minutes or more and may not reflect real-time prices.
• Accuracy: While we strive to display accurate information, we cannot guarantee the accuracy, completeness, or timeliness of third-party data.
• Not for Trading: The data displayed on our Site should not be used as the sole basis for trading decisions.

For real-time, accurate market data suitable for trading purposes, please use licensed financial data providers or your brokerage platform.

5. Calculator and Tool Disclaimer

The investment calculators and tools on InvestmentBasic are provided for educational and illustrative purposes only. These tools:

• Use simplified assumptions that may not reflect real-world complexity
• Do not account for taxes, fees, inflation, or other costs unless explicitly stated
• Produce hypothetical results that may not predict actual investment performance
• Should not be used as the sole basis for financial planning decisions

Results from our calculators are estimates only. Actual investment returns may vary significantly due to numerous factors not considered in these simplified models.

6. Affiliate Disclosure

InvestmentBasic may participate in affiliate marketing programs, which means we may earn commissions on purchases made through links on our Site to retailer sites.

Regarding affiliate relationships:

• We clearly disclose affiliate links where required by law and best practices
• Affiliate relationships do not influence our editorial content or recommendations
• We only recommend products and services we believe provide value to our readers
• You are under no obligation to use our affiliate links; you can access the same products directly

If we recommend a book, course, or service and include an affiliate link, we will clearly disclose this relationship.

7. Editorial Independence

Our educational content is created independently and is not influenced by:

• Advertisers or sponsors
• Affiliate partners
• Financial institutions
• Investment product providers

We strive to present balanced, objective information that serves the educational needs of our readers. Our content creation process prioritizes accuracy and educational value over commercial interests.

8. Third-Party Content and Links

Our Site may contain:

• Links to third-party websites
• References to books, courses, or other resources
• Embedded content from external sources

We do not control, endorse, or assume responsibility for the content, products, services, or practices of third-party websites. The inclusion of any link or reference does not imply our endorsement.

When you leave our Site to visit a third-party website, our Privacy Policy and Terms of Service no longer apply. We encourage you to review the policies of any third-party sites you visit.

9. Examples and Illustrations

Throughout our content, we use examples and illustrations to explain investment concepts. These examples:

• Are hypothetical and for educational purposes only
• Do not represent actual investment recommendations
• May use simplified scenarios that don't reflect real-world complexity
• Should not be interpreted as predictions of future performance

Any company names, stock symbols, or specific investments mentioned are used purely for illustrative purposes and do not constitute endorsements or recommendations.

10. User-Generated Content

If our Site allows user-generated content (such as comments, reviews, or forum posts in the future):

• User contributions represent the views of the individual users, not InvestmentBasic
• User-generated content should not be considered investment advice
• We are not responsible for the accuracy of information in user contributions
• We reserve the right to remove content that violates our guidelines

11. Testimonials Disclosure

If we display testimonials or reviews on our Site:

• They represent the experiences of individual users
• Results may not be typical and cannot be guaranteed
• We do not verify the investment results of testimonial providers
• Testimonials should not be considered investment advice

12. Professional Advice

The information on InvestmentBasic is not a substitute for professional financial, legal, or tax advice. We strongly recommend that you:

• Consult with a registered investment adviser for personalized investment guidance
• Speak with a certified public accountant (CPA) for tax planning advice
• Work with an attorney for legal matters related to estate planning or business structures
• Consider working with a certified financial planner (CFP) for comprehensive financial planning

Professional advisers can assess your complete financial picture and provide recommendations tailored to your specific situation, goals, and risk tolerance.

13. Changes to This Disclosure

We may update this Disclosure from time to time. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Disclosure periodically to stay informed about our practices.

14. Contact Us

If you have questions about this Disclosure or our practices, please contact us at: