Disclaimer & Terms of Use

1. Not Financial Advice

The information, tools, simulations, and content provided on this platform (the "Service") are for informational and educational purposes only. Nothing on this platform constitutes financial advice, investment advice, trading advice, or any other form of professional advice. The Service does not recommend, endorse, or suggest any particular investment, security, portfolio, transaction, or investment strategy.

You should not interpret any information or output generated by this platform as a recommendation to buy, sell, hold, or otherwise transact in any financial instrument. Always consult with a qualified, licensed financial advisor, investment professional, or other appropriate expert before making any investment decisions.

2. No Guarantees of Accuracy or Performance

Monte Carlo simulations are probabilistic models that generate outcomes based on statistical assumptions, historical data, and randomized variables. The results produced by this platform are hypothetical and do not reflect actual trading results, real portfolio performance, or guaranteed future outcomes.

Specifically, you acknowledge and agree that:

• Past performance is not indicative of future results. Historical data used in simulations does not guarantee that future market conditions will follow the same patterns.
• Simulations are not predictions. The outputs represent a range of possible scenarios, not forecasts. Actual market performance may differ materially from any simulated result.
• Data may be incomplete or delayed. Market data, pricing information, and other inputs used by the platform may contain errors, omissions, or delays. We do not guarantee the accuracy, completeness, or timeliness of any data.
• AI-generated analysis has limitations. Any analysis, recommendations, or insights provided by the AI chatbot feature are generated by artificial intelligence and are subject to errors, hallucinations, and inaccuracies. AI outputs should not be relied upon as the sole basis for any financial decision.

3. Assumption of Risk

All investments involve risk, including the potential loss of principal. You acknowledge that you are solely responsible for your own investment decisions and that you use this platform entirely at your own risk. By using the Service, you accept full responsibility for any investment decisions you make, whether or not those decisions were influenced by information, simulations, or AI outputs provided by this platform.

You understand that financial markets are inherently unpredictable and that no tool, model, simulation, or AI system can eliminate the risk of financial loss.

4. Limitation of Liability

To the fullest extent permitted by applicable law, Big Bird Portfolios, its founders, officers, employees, affiliates, agents, and licensors (collectively, the "Company") shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to:

• Your use of or reliance on the Service, including any simulations, data, or AI-generated content.
• Any investment decisions you make based on information obtained through the Service.
• Any financial losses, lost profits, or damages of any kind resulting from your use of the platform.
• Any errors, inaccuracies, or omissions in the data, simulations, or AI outputs.
• Any interruption, suspension, or termination of the Service.

This limitation of liability applies regardless of the legal theory on which the claim is based, including negligence, breach of contract, strict liability, or any other basis, even if the Company has been advised of the possibility of such damages.

5. No Fiduciary Relationship

Use of this platform does not create a fiduciary relationship, advisory relationship, or any professional-client relationship between you and the Company. The Company is not a registered investment advisor, broker-dealer, financial planner, or tax advisor. The Company does not owe you any fiduciary duty or obligation.

6. AI Chatbot Disclaimer

This platform includes an AI-powered chatbot feature that can analyze portfolios, suggest allocations, run simulations, and provide commentary on results. You acknowledge and agree that:

• The AI chatbot is a software tool, not a financial advisor.
• AI-generated suggestions, picks, or recommendations are algorithmic outputs and should be independently verified before acting upon them.
• The AI may produce inaccurate, incomplete, or misleading information. You should not rely on AI outputs as your sole source of information for any financial decision.
• The Company is not responsible for any actions you take based on AI chatbot outputs.

7. Third-Party Data and Services

The platform may incorporate data from third-party sources including market data providers, financial APIs, and other external services. The Company does not control, verify, or guarantee the accuracy of any third-party data. The inclusion of third-party data does not constitute an endorsement of its accuracy or reliability.

8. No Warranty

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express, implied, or statutory. The Company expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

9. Indemnification

You agree to indemnify, defend, and hold harmless the Company from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these terms, or your investment decisions.

10. Regulatory Compliance

This platform is not registered with the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or any state or international securities regulatory authority. The Service is not intended to provide services that would require such registration. If regulatory requirements apply to your use of this platform based on your jurisdiction, it is your sole responsibility to ensure compliance.

11. Governing Law and Dispute Resolution

These terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction, without regard to conflict of laws principles. Any disputes arising out of or relating to these terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

12. Changes to This Disclaimer

The Company reserves the right to modify this disclaimer at any time. Changes will be effective immediately upon posting to the platform. Your continued use of the Service after any changes constitutes acceptance of the updated terms. We encourage you to review this disclaimer periodically.