Investment & Educational Disclaimer

All content, tools and programmes available through the Platform are exclusively:

• educational in purpose
• informational in character
• structured for training and skill development
• designed to support process documentation and behavioural discipline

The purpose of the Platform is to support the development of knowledge and competencies among participants. ALTIVOR INSTITUTE does not provide, and does not intend to provide, investment services of any nature.

Nothing published, communicated or made available through the Platform constitutes:

• an investment recommendation
• financial advice of any nature
• investment analysis
• a suggestion to buy, sell or hold any financial instrument
• a personalised assessment of any user's financial circumstances

ALTIVOR INSTITUTE does not act, and does not hold itself out, as an investment adviser, broker, dealer or regulated financial institution of any kind.

Access to or use of the Platform does not create, and shall not be construed as creating, any of the following relationships:

• investment adviser and client
• fiduciary and beneficiary
• portfolio manager and investor
• broker and customer

ALTIVOR INSTITUTE assumes no obligation to act in the best investment interests of any user. No duty of care in respect of investment decisions is created by the use of the Platform.

All investment and trading decisions are made exclusively by the user, in full autonomy and at the user's sole discretion.

ALTIVOR INSTITUTE:

• does not participate in investment decision-making
• does not monitor user activity on any financial market
• does not provide real-time trading instructions or signals
• bears no responsibility for the financial outcomes of any user decision

Access to educational materials, frameworks, tools or training programmes available through the Platform does not guarantee:

• profitability in live trading environments
• improvement in trading performance metrics
• success in any investment context
• replication of any historical or simulated results

Outcomes are subject to numerous factors independent of and outside the control of ALTIVOR INSTITUTE, including individual behaviour, market conditions, execution quality and risk management practices.

All content published through the Platform is general in nature. It has not been prepared with reference to, and is not adapted to, any individual user's:

• financial position or net worth
• investment experience or knowledge
• investment objectives or time horizon
• risk tolerance or capacity for loss
• tax position or regulatory status

Users are solely responsible for assessing whether any content is suitable for their personal circumstances.

The Platform does not constitute, and shall not be interpreted as:

• a public offering of financial instruments
• an invitation or inducement to enter into any financial transaction
• the conduct of investment business or brokerage activity
• discretionary portfolio management
• any activity requiring authorisation under applicable financial services legislation

All tools, calculators, statistics, charts, analyses and data outputs available through the Platform are auxiliary and educational in character. They are intended to support learning and structured practice only.

They must not be treated as investment indicators, trading signals or financial guidance of any description. Past data or simulated outcomes presented within any tool do not represent or predict future market behaviour.

Any training programmes, evaluation cycles or challenge structures available through the Platform:

• are designed exclusively for skill development and process discipline
• may be conducted in simulated or demo environments
• do not constitute or replicate real investment activity
• are not regulated financial products
• do not carry any guarantee of financial return or live capital allocation

Participation in any programme does not confer regulatory status or imply that ALTIVOR INSTITUTE acts as a regulated entity.

ALTIVOR INSTITUTE expressly excludes, to the fullest extent permitted by applicable law, all liability in respect of:

• financial losses of any nature arising from trading or investment decisions
• lost profits or lost opportunities
• consequential, indirect or incidental damages
• any outcome resulting from a user's reliance on Platform content

This exclusion applies regardless of whether such losses were foreseeable or whether ALTIVOR INSTITUTE was advised of the possibility of such losses.

Prior to making any investment or trading decision, users are strongly encouraged to seek independent advice from a qualified professional, including:

• a licensed financial adviser or investment adviser
• a regulated broker or dealing institution
• a qualified legal counsel with expertise in financial services
• a tax adviser where applicable

ALTIVOR INSTITUTE does not endorse any specific financial product, broker, institution or adviser.

By accessing the Platform, you confirm and represent that you:

• understand and accept the exclusively educational nature of all services and content
• do not rely on any Platform content as investment advice or financial guidance
• accept full and sole responsibility for any decisions you make in any financial market
• acknowledge that past performance, simulated results or educational frameworks are not indicative of future outcomes
• have read and understood this disclaimer in its entirety