1. No Investment Advice
The content, data, and portfolios displayed on this website, pocketfolios.com (the “Site”), are provided for informational and educational purposes only. The information is intended to be general in nature and does not constitute financial, investment, tax, or any other form of professional advice. You should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained on our Site constitutes a solicitation, recommendation, endorsement, or offer by pocketfolios or any third party to buy or sell any securities or other financial instruments.

2. Performance and Benchmark Disclosure
All returns and performance data displayed on this Site for both the model portfolios and any benchmarks are Price Return data only. Price Return calculations reflect the change in the market price of the underlying securities and do not include dividends, interest, or other distributions. Total Return, which includes these elements and is a more accurate reflection of overall performance, will be different. For Total Return data and a complete description of any benchmark or Exchange Traded Fund (ETF), please visit the official website of the respective index provider or ETF issuer. The benchmarks shown are for indicative and comparative purposes only and may not perfectly match the portfolio’s strategy.

3. No Fiduciary Duty
All investments are subject to risk, and past performance of a security, asset, or portfolio is not indicative of future results. Pocketfolios is not acting as your financial advisor, portfolio manager, or fiduciary in any capacity. By using this Site, you acknowledge and agree that you are solely responsible for your own investment research and decisions.

4. No Personalization
The portfolios and information presented on this Site are model displays for illustrative and educational purposes. They are not personalized to your individual financial situation, investment objectives, risk tolerance, or any other personal circumstances. You must not rely on the information on this Site as an alternative to advice from a qualified professional.

5. No Broker-Dealer or Investment Advisor Status
Pocketfolios is not a registered broker-dealer, investment adviser, or financial planner. We do not execute trades, hold client funds or securities, or provide personalized investment recommendations. We are a provider of financial data and educational content.

6. User Assumes All Risk
You hereby agree and acknowledge that any use of the information on this Site is at your own risk. You are solely responsible for any investment losses that may result from your reliance on the information provided, or from your own investment decisions. Pocketfolios, its affiliates, and its employees will not be liable for any direct, indirect, incidental, or consequential damages resulting from your access to or use of the Site’s content.

7. Testimonials and Examples (If Applicable)
Any performance results, testimonials, or examples are based on historical data and hypothetical or simulated performance, which has inherent limitations. Simulated results are not indicative of actual future performance. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

8. Third-Party Content & Links
The Site may contain links to third-party websites or content. We do not endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites. You access such third-party content at your own risk.

9. Acceptance of Terms
By accessing and using this Site, you acknowledge that you have read, understood, and agree to be bound by this disclaimer and our Terms of Service.