Risk Disclosure

1.Zoe Is Not an Investment Adviser

Zoe is not an investment adviser, investment marketer, portfolio manager, broker-dealer, financial planner, tax adviser, legal adviser, or regulated financial professional.

Zoe provides informational, educational, analytical, and decision-support outputs only. Nothing in the Service constitutes investment advice, investment marketing, portfolio management, tax advice, legal advice, or a recommendation to buy, sell, hold, short, exchange, stake, lend, borrow, or otherwise transact in any asset.

2.You Are Responsible for Your Decisions

You are solely responsible for all investment, trading, tax, legal, and financial decisions. You should not rely on Zoe as the sole basis for any decision.

You should independently verify information and consider consulting a licensed professional before making financial decisions.

3.Market Risk

All investments involve risk. The value of securities, cryptocurrencies, tokens, commodities, derivatives, and other assets may increase or decrease, sometimes rapidly and unpredictably.

You may lose some or all of your invested capital.

4.No Guaranteed Results

Past performance, historical data, simulated results, backtests, model outputs, confidence scores, win/loss history, or prior signals do not guarantee future results.

No analysis, signal, classification, or AI-generated output can eliminate investment risk.

5.Cryptocurrency Risk

Cryptocurrency and digital asset markets are highly volatile and may involve substantial risk, including complete loss of value.

Risks include market volatility, liquidity risk, regulatory risk, cybersecurity risk, smart-contract risk, protocol failure, exchange failure, wallet compromise, custody risk, fraud, and operational failures.

6.Data and Model Risk

Zoe may rely on third-party data, APIs, market feeds, news sources, AI models, and statistical models. These inputs may be delayed, incomplete, inaccurate, unavailable, or misinterpreted.

AI-generated outputs may be incorrect, incomplete, misleading, or unsuitable for your circumstances.

7.Signal and Classification Risk

Zoe may classify outputs using labels such as "positive signal," "watch," "avoid," "protect," "risk filtered," "confidence," or "trigger." These labels are analytical product classifications only.

They are not instructions, recommendations, guarantees, or personalized financial advice.

8.Portfolio and Goal Risk

Portfolio views, goal tracking, exposure analysis, and related outputs may be based on user-provided data or third-party integrations. If the data is incomplete, inaccurate, delayed, or unavailable, outputs may also be incomplete or inaccurate.

9.Technology Risk

The Service may be unavailable, delayed, interrupted, or inaccurate due to software errors, infrastructure issues, cyberattacks, model failures, third-party outages, data provider failures, network problems, maintenance, or other causes.

10.Regulatory and Tax Risk

Financial markets, securities, cryptocurrencies, tax rules, and digital assets may be subject to changing laws and regulations. Regulatory changes may affect asset values, availability, taxation, legality, or user access.

Zoe does not provide tax, legal, or regulatory advice.