Sterling Stock Picker – Risk Disclosure and Disclaimer

1. 1. The Sterling Stock Picker website, desktop portal, and mobile application;
2. 2. All stock screening tools, Northstar ratings, Portfolio Assistant, indicators, alerts, watchlists, cost basis entries, portfolio tracking tools, and notifications;
3. 3. Educational courses, lessons, and materials;
4. 4. The Stock Forum, livestream events, livestream chats, livestream replays, and community-driven features;
5. 5. Email communications, newsletters, notifications, and customer support interactions;
6. 6. Finley AI (“Finley”), SSP’s artificial intelligence financial coach;
7. 7. Any commentary, statements, or communications by Jaden Sterling, SSP staff, affiliates, or other users.

By accessing or using SSP in any manner, you acknowledge, understand, and agree to the terms of this Disclosure.

2.1 SSP is not a registered investment advisor, broker-dealer, financial analyst, fiduciary, or financial planner under U.S., Canadian, or international securities laws.

2.2 All information, tools, indicators, and communications provided by SSP are for educational and entertainment purposes only.

2.3 Nothing provided by SSP should be construed as:

1. 1. Personalized financial advice;
2. 2. A recommendation to buy, sell, or hold securities;
3. 3. A solicitation to engage in trading strategies;
4. 4. An endorsement of any particular investment.

2.4 Users are solely responsible for their investment decisions.

3.1 SSP provides community features such as the Stock Forum and livestream chats where users may exchange information.

3.2 All user-generated content, commentary from Jaden Sterling, SSP staff, or affiliates (whether in forums, livestreams, replays, or otherwise) represents opinions only.

3.3 SSP does not review, verify, endorse, or guarantee the accuracy or reliability of such content.

3.4 Users assume full responsibility for actions taken based on community or livestream discussions.

4.1 Northstar Ratings, Portfolio Assistant, and Screeners

Algorithmically generated outputs are for illustration only.

Ratings and indicators may change without notice.

Such outputs do not constitute advice or recommendations.

4.2 Cost Basis, Portfolio, and Watchlists

Tools are designed for display and recordkeeping.

Accuracy depends on user input; SSP is not responsible for errors in data entry or interpretation.

4.3 Educational Materials

Courses and lessons reflect general financial concepts.

They do not consider your individual financial situation, objectives, or risk tolerance.

5.1 SSP uses third-party data providers.

5.2 SSP does not warrant accuracy, timeliness, or completeness of data and disclaims liability for:

1. 1. Delays, outages, or interruptions;
2. 2. Errors, omissions, or inaccuracies;
3. 3. Reliance on incomplete or outdated information.

5.3 All data is provided “as is” without warranties of any kind.

6.1 Notifications, alerts, and emails are informational only.

6.2 They may be delayed, incomplete, or inaccurate.

6.3 Users must not rely on such communications for investment decisions.

7.1 Nature of Finley AI

Finley is an artificial intelligence assistant that generates natural language outputs, including commentary on stocks, sectors, portfolio management, and risk assessment.

7.2 No Financial Advice

Finley’s outputs are educational and entertainment only.

Terms like “recommendation,” “advice,” or “strategy” are non-binding and illustrative.

Finley does not consider your full financial circumstances, tax position, or objectives.

7.3 AI Outputs

Generated dynamically and may contain errors, omissions, or outdated information.

SSP does not guarantee the accuracy, timeliness, or completeness of Finley’s responses.

7.4 Portfolio Analysis and Risk Scores

Finley’s “Risk Number system” or portfolio insights are not recognized financial standards.

They should not be used as a substitute for professional financial advice.

7.5 User Responsibility

You agree not to rely on Finley’s outputs for actual financial decisions.

You assume all risks for actions taken based on Finley’s responses.

7.6 Limitation of Liability

SSP disclaims liability for reliance on Finley’s commentary, outputs, or suggestions.

No advisory relationship exists between users and SSP/Finley.

8.1 Users must conduct independent research and consult licensed professionals before making decisions.

8.2 Users accept that securities involve risk, including loss of principal.

8.3 Users agree to assume full responsibility for trades and investments made in connection with SSP.

9.1 SSP shall not be liable for:

1. 1. Direct, indirect, incidental, consequential, or punitive damages;
2. 2. Financial losses or lost profits;
3. 3. Damages resulting from reliance on SSP outputs, including but not limited to:
1. A. Indicators, ratings, and portfolio tools;
2. B. Forum posts and livestream content;
3. C. Finley AI outputs;
4. D. Notifications, alerts, or emails;
5. E. Data inaccuracies or outages.

9.2 SSP’s liability, if any, shall not exceed the amount paid by the user for access.

Users agree to indemnify and hold harmless SSP, its affiliates, employees, contractors, representatives, and AI systems (including Finley) from claims, damages, or liabilities arising from:

1. 1. Reliance on SSP outputs;
2. 2. Participation in community features;
3. 3. Interaction with Finley AI;
4. 4. Violation of this Disclosure.

This Disclosure is governed by the laws of the United States and Canada. Users consent to the jurisdiction of courts in these regions.

Sterling Stock Picker is designed to educate, entertain, and encourage community sharing. It is not a source of financial advice. By using SSP and Finley AI, you confirm that you:

1. 1. Understand SSP’s limitations;
2. 2. Will not rely on SSP or Finley for financial advice;
3. 3. Assume full responsibility for your investment actions;
4. 4. Release SSP from liability related to use of the platform.

We are grateful to have you as part of the Sterling Stock Picker community. Use SSP to learn and explore — but always consult licensed professionals for actual investment decisions.