Legal Disclaimer

investlogic.io provides educational information and tools for portfolio analysis. Our services include:

• Risk assessment questionnaires
• Science-based portfolio examples
• ETF product information
• Historical performance analysis
• Educational content about investing

OPILIO ventures UG and investlogic.io:

• Are NOT licensed investment advisors
• Do NOT provide personalized investment advice
• Do NOT offer portfolio management services
• Do NOT act as brokers or dealers
• Do NOT have a fiduciary duty to users

Any information provided should not be considered as recommendations to buy, sell, or hold any securities.

All investments involve risk, including but not limited to:

• Market Risk: Securities may lose value due to market conditions
• Volatility Risk: Investment values may fluctuate significantly
• Liquidity Risk: Some investments may be difficult to sell quickly
• Currency Risk: Exchange rate fluctuations may affect returns
• Inflation Risk: Inflation may erode purchasing power
• Interest Rate Risk: Changes in interest rates may affect bond values
• Credit Risk: Issuers may default on their obligations

While we strive to provide accurate and up-to-date information:

• Information may contain errors or omissions
• Market data may be delayed or inaccurate
• ETF information is provided by third parties
• We do not guarantee the accuracy of any information
• Users should verify all information independently

Our performance projections:

• Are based on historical market data
• Use statistical models and assumptions
• Do not account for all market factors
• May not reflect actual investment costs
• Are for illustrative purposes only

We may provide information about third-party products and services:

• ETF information is provided by fund companies
• Market data comes from various sources
• We do not endorse specific products
• Users should conduct their own research
• We are not responsible for third-party content

To the maximum extent permitted by law, OPILIO ventures UG and investlogic.io:

• Are not liable for investment losses
• Are not liable for missed opportunities
• Are not liable for system errors or downtime
• Are not liable for third-party actions
• Limit liability to the amount paid for services

Important regulatory disclosures:

• We are not regulated by BaFin (German Financial Supervisory Authority)
• We are not members of any investor protection scheme
• We do not hold client funds or securities
• Users must comply with their local regulations
• Some services may not be available in all jurisdictions

Tax implications of investments:

• We do not provide tax advice
• Tax treatment varies by jurisdiction
• Users should consult tax professionals
• Tax laws may change over time
• We are not responsible for tax compliance

By using our services, you acknowledge that you:

• Understand the risks involved in investing
• Are responsible for your own investment decisions
• Will conduct your own research and due diligence
• Will consult with qualified professionals when needed
• Accept full responsibility for any investment losses

This disclaimer may be updated from time to time. Continued use of our services constitutes acceptance of any changes. We recommend reviewing this disclaimer periodically.