Financial & Educational Content Disclaimer

Vnesys is an independent technology and social-content platform that provides tools and services allowing users and creators to publish, discover, watch, discuss and interact with digital content.

Vnesys may host content covering a wide range of subjects, including but not limited to:

• finance and economics;
• investing and financial markets;
• entrepreneurship and business;
• trading and market analysis;
• personal finance;
• education and professional development;
• coaching and training;
• technology and innovation;
• business strategy and leadership.

The presence of financial or investment-related content on Vnesys does not mean that Vnesys provides financial services or endorses the views, strategies, recommendations or claims expressed by individual creators.

Vnesys is not a bank, financial institution, broker, investment firm, portfolio manager, investment adviser, trading venue, exchange, payment institution or asset manager merely by providing its social and content-hosting services.

Nothing in the Vnesys service should be interpreted as establishing an advisory, fiduciary, brokerage, investment-management or client relationship between Vnesys and a user solely as a result of accessing or using the platform.

Vnesys does not provide personalized financial, investment or trading advice.

Content published by creators on Vnesys may discuss financial markets, securities, cryptocurrencies, investments, trading strategies, business opportunities, financial products or other financial subjects.

Such content is provided by the respective creator and should not automatically be interpreted as advice from Vnesys.

Unless expressly stated otherwise by a properly authorized party and permitted under applicable law, content available on Vnesys is not intended to constitute:

• personalized investment advice;
• financial planning advice;
• portfolio management;
• a recommendation to purchase, sell or hold an investment;
• a solicitation to invest;
• an offer to buy or sell a financial instrument;
• an offer or solicitation relating to a regulated financial service;
• a guarantee of financial performance or profitability.

Users should not make financial decisions solely on the basis of content encountered on Vnesys. Where appropriate, users should obtain independent advice from a qualified and appropriately authorized professional before making financial decisions.

Creators are solely responsible for the content, information, opinions, recommendations, claims, advertisements, promotions, courses, coaching services and other materials that they publish, distribute or make available through Vnesys.

Creators are responsible for ensuring that their content and activities comply with all laws and regulations applicable to them, their jurisdiction, their audience and the services or products they promote.

Creators must not use Vnesys to unlawfully:

• provide regulated financial services without the required authorization;
• provide personalized investment advice where authorization is required;
• promote financial products in violation of applicable laws;
• make materially false, misleading or deceptive claims;
• guarantee investment returns or profits;
• conceal material risks associated with an investment;
• manipulate or misrepresent financial information;
• conduct fraudulent investment schemes;
• impersonate regulated financial professionals or institutions;
• conceal commercial relationships, sponsorships or paid promotions where disclosure is required.

Creators are responsible for obtaining any licenses, registrations, approvals, authorizations or professional qualifications required for their activities.

The publication of creator content on Vnesys does not constitute an endorsement, verification, certification or authorization of the creator by Vnesys. A creator's presence on Vnesys should not be interpreted as evidence that the creator is licensed, regulated, qualified or authorized to provide any particular professional service.

Vnesys does not, merely through the provision of its social and content services, participate in, execute, arrange, guarantee or manage investment transactions between users and creators.

Vnesys does not take custody of users' investment assets or manage users' investment portfolios solely as a consequence of providing its platform services.

Users should exercise particular caution if a creator asks them to:

• transfer money;
• purchase an investment;
• send cryptocurrency;
• provide banking information;
• provide private keys or wallet credentials;
• provide passwords or authentication codes;
• invest through an external website or service;
• pay money in exchange for promised investment returns.

Vnesys is intended to facilitate the sharing and discovery of knowledge, ideas and educational material. Financial and business-related content may be provided for general educational or informational purposes.

Educational content can include explanations of financial concepts, market commentary, historical information, business education, case studies, strategies, opinions and personal experiences.

However, educational content may not be appropriate for every individual or situation. Information available on Vnesys may be incomplete, outdated, inaccurate, subjective or based on assumptions that do not apply to a particular user.

Nothing on Vnesys should be treated as a substitute for individualized professional advice where such advice is appropriate or legally required. Users should independently verify important information before relying upon it.

Financial activities involve risk. Investments and financial markets may result in partial or total loss of capital.

Depending on the product or strategy involved, users may also face additional risks, including volatility, liquidity risk, leverage risk, counterparty risk, currency risk, market risk, regulatory risk, technological risk and fraud.

Any examples of returns, earnings, profits or financial results presented by creators should not be understood as representative of results that every user can expect to achieve. Users are solely responsible for determining whether a particular financial activity, product or strategy is appropriate for their individual circumstances.

Never invest money that you cannot afford to lose.

Creators operating on Vnesys may be subject to laws and regulatory requirements depending on the nature of their activities, the financial products or services they discuss or promote, their location and the location of their audience.

Such requirements may include, where applicable:

• financial-services regulations;
• investment-advice requirements;
• financial-promotion rules;
• advertising and consumer-protection laws;
• disclosure requirements;
• rules concerning conflicts of interest;
• sponsorship and commercial-content disclosure requirements;
• anti-fraud and anti-manipulation laws;
• intellectual-property laws;
• tax obligations;
• professional licensing requirements;
• data-protection and privacy requirements.

Creators are responsible for determining which requirements apply to them and for obtaining independent legal or professional advice where necessary. Vnesys does not assume responsibility for determining whether a creator is legally authorized to conduct a particular activity.

Users are responsible for their own decisions, actions and interactions on Vnesys. Users should critically evaluate information encountered on the platform and conduct their own research before relying upon financial, business or investment-related information.

Users acknowledge that:

• creators may express opinions that differ from those of other creators;
• information may become outdated;
• financial markets can change rapidly;
• no investment outcome can be guaranteed;
• individual circumstances differ;
• online content may contain errors or omissions;
• a creator's experience does not guarantee similar results for another person.

Any transaction, contractual relationship, purchase, investment or other arrangement entered into between a user and a creator or third party is undertaken at the user's own discretion and subject to the terms governing that separate relationship.

Vnesys may use a combination of automated systems, technical measures, user reports and human review to detect, evaluate and respond to content that may violate applicable law, platform policies or community standards.

Vnesys may restrict, remove, label, limit the distribution of or otherwise take action regarding content or accounts where permitted or required by applicable law and the Vnesys Terms of Service and Community Guidelines.

Moderation does not constitute an assurance that every piece of content has been reviewed, verified, endorsed or determined to be accurate. The fact that content remains available on Vnesys does not mean that Vnesys has verified its accuracy, legality, financial validity, safety or suitability.

Vnesys may take action against content involving suspected fraud, scams, misleading financial claims, unlawful financial promotions, impersonation, market manipulation or other prohibited activities. However, users should not assume that the absence of moderation action means that content is legitimate, accurate or legally compliant.

To the maximum extent permitted by applicable law, Vnesys and its operators, affiliates, service providers and personnel shall not be responsible for financial losses, investment losses, trading losses, business losses or other damages arising solely from a user's reliance upon content created or published by a third party on the Vnesys platform.

Vnesys does not guarantee the accuracy, completeness, reliability, timeliness or suitability of third-party content. Vnesys does not guarantee any particular financial, business, investment or professional outcome resulting from information, education, coaching, strategies or other content encountered through the platform.

Vnesys is not responsible for independent relationships or transactions between users and creators or between users and external third parties, except to the extent that applicable law provides otherwise.

This Disclaimer should therefore be read together with the Vnesys Terms of Service, Community Guidelines and other applicable policies.

This Financial & Educational Content Disclaimer forms part of the broader Vnesys legal and policy framework. Users and creators should also review the applicable:

• Terms of Service
• Creator Terms
• Community Guidelines
• Privacy Policy
• Cookie Policy
• Monetization Terms
• Marketplace Terms, where applicable
• Live & Gifts Terms, where applicable
• Payment Terms, where applicable

In the event of a conflict between this Disclaimer and another Vnesys agreement, the applicable agreement will govern according to its terms and applicable law.

Vnesys may update this Disclaimer from time to time to reflect changes to the platform, applicable laws, regulations, services or business practices. The most recent version will be made available through the Vnesys platform.