Financial Disclaimer

Not Financial Advice

Let's be crystal clear:

• RoastMyPortfolio is NOT a financial advisor, investment advisor, broker-dealer, or registered investment advisor (RIA)
• We are NOT regulated by BaFin (Germany), SEC (USA), FCA (UK), or any financial regulatory authority
• Our analysis is NOT personalized investment advice, recommendations, or guidance
• We do NOT recommend buying, selling, or holding any specific securities

What We Actually Provide

RoastMyPortfolio is an educational technology service that:

• Analyzes portfolio structure: We identify concentration risk, correlation patterns, and diversification issues
• Provides educational commentary: We explain financial concepts like fees, behavioral biases, and market principles
• Delivers entertainment: Our "roast" format is designed to be engaging and memorable, using sharp language and wit
• Offers general principles: We discuss broad investment concepts (e.g., diversification, cost minimization) without specific recommendations

Our output is retrospective analysis, not forward-looking advice.

Investment Risks

AI-Generated Analysis

Our portfolio roasts are generated using Large Language Models (LLMs) from Grok and Gemini.

Limitations of AI:

• AI can make factual errors or "hallucinate" information
• Analysis is based solely on the portfolio data you provide
• AI does not consider your personal financial situation, goals, or risk tolerance
• AI cannot predict future market conditions or asset performance
• AI analysis should not replace professional financial advice

Always verify information independently and consult human experts.

No Guarantees or Warranties

We make no guarantees regarding:

• Accuracy: Information may be incomplete or incorrect
• Completeness: Analysis may not cover all relevant factors
• Timeliness: Market conditions change rapidly; analysis may be outdated
• Results: Following any principle mentioned does not guarantee financial success

The service is provided "AS IS" without warranties of any kind.

Regulatory Compliance (BaFin)

In compliance with German financial regulation (BaFin):

• We do NOT provide specific buy/sell recommendations for individual securities
• Our analysis is purely retrospective (looking at past portfolio composition)
• We do NOT manage client assets or execute trades
• We are classified as an informational/educational service, not investment advice

EU Residents: This service complies with MiFID II requirements by clearly distinguishing between information and advice.

Your Responsibility

Third-Party Information

Our analysis may reference general market information, asset classes, or financial concepts. This information is for educational purposes only. We do not endorse any specific investment products, funds, or strategies. We are not affiliated with any asset managers or financial institutions mentioned in our analysis.

Newsletter & CFTC Data

Our COT (Commitments of Traders) newsletter analyzes publicly available data from the U.S. Commodity Futures Trading Commission (CFTC). Please be aware of the following:

• CFTC data reflects trader positions as of Tuesday and is published on Friday — it is inherently delayed and may not reflect current market conditions
• Chart signals and labels (e.g., BULLISH, BEARISH, NEUTRAL) are analytical indicators based on historical positioning data — they are NOT buy/sell recommendations or trading signals
• Newsletter content is generated using automated analysis and editorial commentary — the same AI limitations and disclaimers described above apply
• We are not affiliated with or endorsed by the CFTC
• Past positioning patterns do not predict future market movements

Forward-Looking Statements

Any statements about future market conditions, trends, or outcomes are speculative and should not be relied upon. Historical performance is not indicative of future results. Market conditions, regulations, and economic factors are unpredictable.

Limitation of Liability

We are not liable for any financial losses or damages resulting from use of our analysis. For complete liability terms, please see our Terms of Service.

Updates to This Disclaimer

This disclaimer may be updated periodically. The "Last updated" date reflects the most recent changes. Your continued use of the service constitutes acceptance of the current disclaimer.