Investment Disclaimer
& Risk Disclosure

Last Updated: March 24, 2026

1. General Investment Disclaimer

1.1 Not Financial Advice

THE INFORMATION, TOOLS, ANALYSIS, AND CONTENT PROVIDED ON THIS PLATFORM ARE FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NOTHING ON THIS PLATFORM CONSTITUTES INVESTMENT ADVICE, FINANCIAL ADVICE, TAX ADVICE, OR LEGAL ADVICE.

ValuSnapAI is not a registered investment adviser, broker-dealer, financial planner, or tax advisor. We do not provide personalized investment recommendations or advice tailored to your individual circumstances, financial situation, risk tolerance, or investment objectives.

1.2 No Professional Relationship

Your use of the Platform does not create an advisory relationship, fiduciary relationship, or any professional relationship between you and ValuSnapAI, its owners, operators, employees, or affiliates. No communication or information provided through the Platform should be construed as establishing such a relationship.

2. Risk Disclosure

INVESTING IN COLLECTIBLES, LUXURY GOODS, AND PHYSICAL ASSETS INVOLVES SUBSTANTIAL RISK, INCLUDING THE POSSIBLE LOSS OF YOUR ENTIRE INVESTMENT. YOU SHOULD CAREFULLY CONSIDER WHETHER INVESTING IS SUITABLE FOR YOU IN LIGHT OF YOUR CIRCUMSTANCES AND FINANCIAL RESOURCES.

2.1 General Investment Risks

All investments carry risk. The following risks apply to any investment you may consider:

• Market Risk: The value of items can fluctuate due to market conditions, economic factors, and buyer sentiment.
• Liquidity Risk: You may not be able to sell your items quickly or at a favorable price.
• Inflation Risk: The purchasing power of your returns may be eroded by inflation.
• Currency Risk: International transactions are subject to exchange rate fluctuations.
• Condition Risk: Physical item condition affects value and may deteriorate over time.
• Authentication Risk: Items may be counterfeit, misattributed, or misrepresented.

2.2 Collectibles & Luxury Goods Risks

Investing in collectibles and luxury goods involves additional risks:

• Trend Risk: Items may lose value as market trends and collector interests shift.
• Volatility Risk: Collectible markets can be highly volatile and experience significant swings.
• Storage & Insurance Risk: Physical items require proper storage and insurance, which carry additional costs.
• Sector Risk: Concentration in specific categories increases exposure to sector-specific downturns.

2.3 Valuation & Analysis Risks

The valuation tools, analysis, and calculations provided on this Platform involve inherent limitations and risks:

• Model Limitations: AI models are simplifications of reality and may not capture all relevant factors.
• Assumption Risk: Valuations depend on assumptions about future performance that may not materialize.
• Data Quality Risk: Analysis is only as reliable as the underlying data, which may contain errors or become outdated.
• Forecast Uncertainty: Projections and estimates are inherently uncertain and subject to change.
• Historical Limitations: Past performance and historical data may not be indicative of future results.

3. Past Performance Disclaimer

PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. HISTORICAL RETURNS, PERFORMANCE DATA, AND PROJECTIONS DO NOT GUARANTEE FUTURE OUTCOMES.

Any references to past performance, historical returns, or valuation results:

• Are provided for illustrative purposes only.
• Do not guarantee similar results in the future.
• May not reflect the impact of fees, taxes, and transaction costs.
• May be based on simulated or back-tested results that have inherent limitations.
• Should not be the sole basis for any investment decision.

4. No Guarantee of Accuracy

4.1 Data Accuracy

While we strive to provide accurate and timely information, we make no representations or warranties regarding the accuracy, completeness, reliability, or timeliness of any data, analysis, or content on the Platform. Financial and market data may be delayed, contain errors, or become outdated.

4.2 Third-Party Data

The Platform utilizes data from third-party sources, including marketplace platforms, auction results, and market data feeds. We have no control over and assume no responsibility for the accuracy or reliability of third-party data.

4.3 Technical Issues

The Platform may experience technical issues, downtime, data delays, or errors that could affect the accuracy or availability of information. We are not responsible for any losses resulting from such technical issues.

5. User Responsibilities

5.1 Independent Verification

You are solely responsible for:

• Independently verifying all information before making any investment or purchase decision.
• Conducting your own research and due diligence.
• Consulting with qualified financial, tax, and legal professionals.
• Understanding the risks associated with any investment you consider.

5.2 Investment Decisions

ALL INVESTMENT AND PURCHASE DECISIONS ARE MADE AT YOUR SOLE DISCRETION AND RISK. You acknowledge that you are solely responsible for your decisions, you bear full responsibility for any gains or losses, you should only invest capital that you can afford to lose, and you should consider your entire financial situation.

6. Forward-Looking Statements

The Platform may contain forward-looking statements, projections, price predictions, estimates, and forecasts. These statements:

• Are based on current expectations, estimates, forecasts, and projections.
• Involve known and unknown risks and uncertainties.
• May cause actual results to differ materially from projected outcomes.
• Should not be relied upon as predictions of future performance.
• Are subject to change without notice.

7. Regulatory Status

ValuSnapAI is NOT a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities regulator. The Platform does not provide investment advisory services and is not subject to regulation as an investment adviser.

If you require personalized investment advice, you should consult with a qualified, registered investment adviser who can assess your individual circumstances and provide tailored recommendations.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL LIABILITY FOR ANY LOSSES, DAMAGES, OR CLAIMS ARISING FROM YOUR USE OF THE PLATFORM OR RELIANCE ON ANY INFORMATION PROVIDED THROUGH THE PLATFORM.

IN NO EVENT SHALL WE BE LIABLE FOR:

• Any direct, indirect, incidental, special, consequential, or punitive damages.
• Loss of profits, revenue, data, use, goodwill, or other intangible losses.
• Investment losses or damages resulting from reliance on Platform content.
• Errors, omissions, interruptions, or delays in Platform services.
• Any unauthorized access to or use of our servers or personal information.

9. Indemnification

You agree to indemnify, defend, and hold harmless ValuSnapAI, its owners, operators, employees, affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your use of the Platform, your violation of this Disclaimer, or your investment decisions.

10. Changes to This Disclaimer

We reserve the right to modify or update this Disclaimer at any time without prior notice. Changes will be effective immediately upon posting to the Platform. Your continued use of the Platform following any changes constitutes acceptance of the revised Disclaimer. We encourage you to review this Disclaimer periodically.

11. Contact Information

If you have any questions about this Disclaimer, please contact us:

ValuSnapAI
Email: legal@valusnap.app
Tampa, FL 33602

Acknowledgment & Agreement