Savvy Investing Pro logo
  • Benefits
  • Pricing
  • Testimonials
  • About
  • Contact

Legal Disclaimer & Risk Disclosure

Last Updated: January 2025

IMPORTANT: Please read this entire disclaimer carefully before using any services or content provided by Savvy Investing Pro LLC. By accessing our website or subscribing to our services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.

1. Not Investment Advice

1.1 Educational Content Only

All content, analysis, recommendations, strategies, and materials provided by Savvy Investing Pro LLC ("we," "us," "our," or "Savvy Investing Pro") are for educational and informational purposes only and do not constitute:

  • Investment advice or recommendations
  • Financial planning or advisory services
  • An offer to buy or sell any security or financial instrument
  • Professional investment management services
  • Personalized financial advice tailored to your individual circumstances

1.2 Not a Registered Investment Advisor

Savvy Investing Pro is NOT a registered investment advisor, broker-dealer, or financial planner. We are not registered with the Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), or any state securities regulator. We do not:

  • Manage client assets or portfolios
  • Execute trades on behalf of members
  • Hold ourselves out as providing fiduciary services
  • Make personalized investment recommendations based on your specific financial situation

1.3 General Information Only

Our market analysis, research reports, video lessons, and other materials present general information about investing strategies, market trends, and financial concepts. This information is not tailored to your:

  • Financial situation or net worth
  • Investment objectives or goals
  • Risk tolerance or capacity
  • Tax situation or obligations
  • Time horizon or liquidity needs

2. Consult a Licensed Professional

You should always consult with a licensed financial advisor, certified public accountant (CPA), or qualified tax professional before making any investment decisions. Our content is designed to supplement, not replace, professional financial advice from licensed advisors who can evaluate your complete financial picture.

Before investing, you should carefully consider whether any strategy or security discussed is appropriate for your individual circumstances. Factors to consider include your financial situation, investment experience, risk tolerance, investment objectives, and time horizon.

3. Investment Risks

3.1 Risk of Loss

All investing involves risk, including the possible loss of principal. There is no guarantee that any investment strategy will be successful or that any investment will not lose value. Securities markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments.

3.2 Specific Risks

Investing in securities involves various risks including but not limited to:

  • Market Risk: The value of your investments may fluctuate based on overall market conditions
  • Volatility Risk: Prices may experience significant short-term fluctuations
  • Liquidity Risk: You may not be able to sell investments quickly at desired prices
  • Concentration Risk: Focusing on specific sectors or securities may increase risk
  • Leverage Risk: Using borrowed money or derivatives can magnify losses
  • Currency Risk: Foreign investments may be affected by exchange rate fluctuations
  • Interest Rate Risk: Bond values may decline when interest rates rise
  • Inflation Risk: Investment returns may not keep pace with inflation
  • Regulatory Risk: Government actions may adversely affect investments

3.3 Suitability

Not all strategies or investments are suitable for all investors. Options, futures, and other derivatives involve substantial risk and are not appropriate for everyone. Leveraged and inverse exchange-traded products are complex instruments that carry significant risks. You should fully understand these risks before investing.

4. No Guarantees or Performance Promises

4.1 Past Performance

Past performance does not guarantee or indicate future results. Historical returns, whether actual or hypothetical, are not reliable indicators of future performance. Market conditions change constantly, and strategies that performed well historically may not perform well in the future.

4.2 No Guarantee of Profit

We make no guarantees, promises, or warranties regarding:

  • Investment returns or profitability
  • Specific dollar amounts of gains
  • Percentage returns on investments
  • Win/loss ratios or success rates
  • Beating the market or any benchmark

4.3 Testimonials and Results

Any testimonials, case studies, or member results shared on our website or marketing materials represent individual experiences only and should not be viewed as typical or guaranteed results. Individual results will vary based on:

  • Amount of capital invested
  • Market timing and conditions
  • Individual risk tolerance and decision-making
  • Execution and discipline in following strategies
  • Economic and market factors beyond anyone's control

Member-reported gains are self-reported, unverified, and may not be representative of all members' experiences. Many members may experience losses or no gains at all.

5. Forward-Looking Statements

Our content may include forward-looking statements regarding market trends, economic conditions, or potential investment outcomes. These statements are based on current expectations and assumptions that are subject to significant business, economic, and competitive uncertainties, many of which are beyond our control. Actual results may differ materially from forward-looking statements.

We undertake no obligation to update forward-looking statements to reflect events or circumstances after the date they are made or to reflect the occurrence of unanticipated events.

6. Third-Party Information

6.1 Data Sources

We may use data, charts, quotes, and information from third-party sources including but not limited to financial data providers, news services, and market research firms. While we believe these sources to be reliable, we:

  • Make no representation as to their accuracy or completeness
  • Have not independently verified all third-party information
  • Are not responsible for errors or omissions in third-party data
  • Do not endorse any third-party provider or their services

6.2 External Links

Our website may contain links to third-party websites for your convenience. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites. You access external links at your own risk.

7. No Fiduciary Duty

By subscribing to Savvy Investing Pro, no fiduciary relationship is created between you and Savvy Investing Pro LLC, its owners, employees, or contractors. We do not owe you fiduciary duties of loyalty, care, or confidentiality that a registered investment advisor would owe to clients.

We may have interests that conflict with yours. For example, we may discuss securities or strategies that we personally hold or trade. We are not obligated to disclose our personal holdings or trading activities to members.

8. Limitation of Liability

8.1 Use at Your Own Risk

You use our services and content entirely at your own risk. We provide content "as is" without warranties of any kind, either express or implied, including but not limited to warranties of accuracy, reliability, merchantability, or fitness for a particular purpose.

8.2 Disclaimer of Damages

To the maximum extent permitted by law, Savvy Investing Pro LLC, its owners, officers, employees, agents, and contractors shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

  • Your use of or reliance on our content or services
  • Investment losses or missed opportunities
  • Errors, inaccuracies, or omissions in our content
  • Interruption or unavailability of our services
  • Unauthorized access to your account or information
  • Any other matter relating to our services

This limitation applies even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

8.3 Maximum Liability

In any event, our total cumulative liability to you for all claims arising from your use of our services shall not exceed the amount you paid us for your membership in the twelve (12) months preceding the claim.

9. Market Conditions and Timing

Financial markets operate in real-time, but our analysis and content may be published with delays. By the time you receive our research reports or analysis:

  • Market conditions may have changed significantly
  • Security prices may have moved substantially
  • Information may be outdated or no longer relevant
  • Opportunities discussed may no longer be available

We are not responsible for any investment decisions you make based on delayed or outdated information. Always verify current market prices and conditions before making investment decisions.

10. Tax Implications

We do not provide tax advice. Investment strategies may have significant tax consequences that vary based on your individual circumstances and jurisdiction. You should consult with a qualified tax professional before implementing any investment strategy discussed in our materials.

Tax laws are complex and subject to change. We make no representations regarding the tax implications of any investment strategy or transaction.

11. International Users

Our services are provided from the United States and are intended for U.S. residents. If you access our services from outside the United States:

  • You do so at your own risk and initiative
  • You are responsible for compliance with local laws and regulations
  • Content may not be appropriate for your jurisdiction
  • We make no representation that our services comply with laws outside the U.S.

12. No Employment or Partnership

Your membership does not create any employment, partnership, joint venture, or agency relationship between you and Savvy Investing Pro LLC. You are an independent subscriber with no authority to bind us to any obligation.

13. Intellectual Property

All content provided through our services, including research reports, analysis, videos, spreadsheets, and other materials, is our intellectual property or that of our licensors. You may use this content solely for your personal, non-commercial use. You may not:

  • Reproduce, distribute, or share our content with non-members
  • Use our content for commercial purposes
  • Modify, adapt, or create derivative works from our content
  • Remove copyright notices or proprietary markings

14. Indemnification

You agree to indemnify, defend, and hold harmless Savvy Investing Pro LLC, its owners, officers, employees, agents, and contractors from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from:

  • Your use of our services or content
  • Your violation of this disclaimer or our Terms of Service
  • Your violation of any third-party rights
  • Your investment decisions and trading activities

15. Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our services after changes constitutes acceptance of the updated disclaimer. We encourage you to review this page periodically.

16. Severability

If any provision of this disclaimer is found to be unenforceable or invalid under applicable law, such provision shall be modified to reflect the parties' intention or eliminated to the minimum extent necessary so that this disclaimer shall otherwise remain in full force and effect.

17. Governing Law

This disclaimer shall be governed by and construed in accordance with the laws of the State of Virginia, United States, without regard to its conflict of law provisions. Any legal action arising from this disclaimer must be brought in the state or federal courts located in Virginia.

18. Contact Information

If you have questions about this disclaimer, please contact us:

Savvy Investing Pro LLC
11815 Fountain Way, Suite 300
Newport News, Virginia 23606
Email: support@savvyinvestingpro.com
Phone: (+1) 240-715-6236

ACKNOWLEDGMENT: By using Savvy Investing Pro's services, you acknowledge that you have read this disclaimer in its entirety, understand its contents, and agree to be bound by its terms. You understand that we are not investment advisors and do not provide personalized investment advice. You will consult with licensed professionals before making investment decisions and accept full responsibility for your own investment choices and outcomes.

© 2025 Savvy Investing Pro LLC. All rights reserved.

Educational content only. Not investment advice. See disclosures.