Risk Disclaimer

1. Not Financial, Investment, or Legal Advice

1.1 Educational Purpose Only: All content, alerts, signals, analysis, research tools, and information provided through Helwa AI (the "Service") are for educational and informational purposes only. They do not constitute:

• Financial advice or investment recommendations
• Trading advice or strategies
• Tax advice or guidance
• Legal advice or opinions
• Religious or scholarly guidance
• Personalized recommendations tailored to your circumstances

1.2 No Advisory Relationship: Use of the Service does not create an advisor-client, fiduciary, attorney-client, or any professional relationship between you and Helwa AI. We are not acting as your broker, advisor, attorney, accountant, or agent.

1.3 Your Responsibility: You should not treat any of the Service's content as a substitute for professional advice. All trading and investment decisions are made solely by you at your own discretion and risk.

1.4 Consult Professionals: Before making any financial, investment, tax, or legal decisions, you should consult with qualified licensed professionals who can provide personalized advice based on your specific circumstances, objectives, and risk tolerance.

2. Substantial Risk of Loss

2.1 Market Risk: Trading securities, including stocks, cryptocurrencies, derivatives, and other financial instruments, carries a high level of risk. Market conditions can change rapidly and unpredictably, potentially resulting in significant losses.

2.2 Capital Loss: You may lose some or all of your invested capital. In some cases, particularly with leveraged trading, losses can exceed your initial investment.

2.3 Volatility: Financial markets can be extremely volatile. Price movements can be sudden and severe, potentially causing rapid and substantial losses.

2.4 Unsuitable for All Investors: Trading may not be suitable for all investors. You should carefully consider your:

• Financial situation and ability to bear losses
• Investment objectives and time horizon
• Risk tolerance and experience level
• Knowledge of financial markets and trading
• Other financial obligations and commitments

2.5 Only Risk Capital: You should only trade with "risk capital" — money that you can afford to lose without affecting your lifestyle, standard of living, or ability to meet financial obligations.

3. No Guarantees or Warranties

Helwa AI makes no representations, warranties, or guarantees of any kind, express or implied, regarding:

Disclaimer: The Service is provided "as is" and "as available" without warranties of any kind. We expressly disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

4. Past Performance Not Indicative of Future Results

4.1 No Predictive Value: Past performance, whether actual or hypothetical, is not indicative of future results. Historical data cannot predict how securities will perform in the future.

4.2 Changing Conditions: Market conditions, economic factors, regulations, and other variables are constantly changing. Strategies that worked in the past may not work in the future.

4.3 No Representation: Any reference to past performance, win rates, or historical returns should not be construed as a representation or guarantee of similar future performance.

4.4 Forward-Looking Statements: Any forward-looking statements, projections, or estimates are based on assumptions and expectations that may prove to be incorrect. Actual results may differ materially.

5. Hypothetical, Simulated, and Backtested Results

5.1 Inherent Limitations: Any hypothetical, simulated, or backtested performance results have significant inherent limitations, including but not limited to:

• Hindsight Bias: Backtested results are designed with the benefit of hindsight and do not represent actual trading decisions made in real-time
• Not Actual Trading: Simulated results do not represent actual trading and may not account for real-world challenges and constraints
• Execution Assumptions: Hypothetical results assume perfect execution at stated prices, which may not be achievable in real markets
• Missing Costs: Backtests may not fully account for slippage, commissions, fees, bid-ask spreads, and other transaction costs
• Market Impact: Simulations do not account for the market impact of large orders or low liquidity conditions
• Survivorship Bias: Backtests may suffer from survivorship bias if they only include securities that survived to the present
• Data Quality: Historical data may contain errors, omissions, or corporate actions that affect results

5.2 Overfitting Risk: Trading strategies can be over-optimized to historical data, resulting in inflated backtested performance that does not translate to real-world trading.

5.3 No Account Guarantee: No representation is made that any account will or is likely to achieve profits or losses similar to those shown in hypothetical or backtested results.

6. Specific Risk Factors

7. ethical Screening Disclaimer

7.1 Not Religious Guidance: While we make efforts to screen securities according to principles commonly associated with Islamic finance, Helwa AI is not a religious authority, Islamic scholar, or certification body. We do not provide religious guidance or certification.

7.2 Methodology Limitations: Our ethical screening is based on:

• Publicly available financial data which may be incomplete, outdated, or inaccurate
• Our interpretation of commonly cited Islamic finance principles
• Automated algorithms which may contain errors or limitations
• General screening criteria that may not align with specific scholarly opinions

7.3 Scholarly Differences: Islamic scholars and authorities have varying interpretations and opinions regarding what constitutes ethical investing. Our screening may not align with all scholarly views or your personal interpretation.

7.4 No Guarantee of Compliance: We make no representations, warranties, or guarantees that any security identified through our screening is halal, shariah-compliant, or permissible according to Islamic law.

7.5 Your Responsibility: You are solely responsible for determining whether any investment is appropriate for your religious beliefs and values. We strongly encourage you to:

• Conduct your own research and due diligence
• Consult with qualified Islamic scholars or advisors
• Verify the compliance status of any security
• Consider multiple screening methodologies

7.6 Subject to Change: A security's ethical status can change over time due to changes in business activities, financial ratios, or scholarly interpretations. Past screening results do not guarantee current or future compliance.

8. Data Delays, Errors, and Limitations

8.1 Data Sources: We rely on third-party data providers for market data, financial information, prices, and other content. We do not independently verify all third-party data.

8.2 Potential Issues: The Service may experience or contain:

• Data Delays: Market data may be delayed by 15 minutes or more
• Inaccuracies: Data may contain errors, omissions, or inaccuracies
• Interruptions: Service outages, downtime, or connectivity issues
• Technical Errors: Software bugs, glitches, or calculation errors
• Outdated Information: Information may not reflect the most current data

8.3 Independent Verification: You should always independently verify information before making trading decisions. Do not rely solely on information from our Service.

8.4 No Liability: We are not liable for any losses resulting from data delays, errors, omissions, or system failures.

9. No Automatic Trading or Account Access

9.1 Manual Trading Only: Helwa AI does not execute trades on your behalf. We do not have access to your brokerage accounts, funds, or trading authority.

9.2 Signals Are Suggestions: Our trading signals and alerts are educational suggestions only. The decision to act on any signal is entirely yours.

9.3 Execution Responsibility: You are solely responsible for:

• Reviewing and analyzing signals before acting
• Deciding whether to execute any trades
• Determining position sizes and risk parameters
• Executing trades through your broker
• Managing your trading account and positions
• Monitoring and closing positions as appropriate

9.4 Third-Party Integrations: Any integration with third-party platforms (e.g., brokerages, Discord) is for informational and notification purposes only, not for automated trade execution.

10. Tax and Legal Considerations

10.1 Tax Obligations: You are solely responsible for understanding and complying with all applicable tax laws and reporting requirements in your jurisdiction.

10.2 Tax Consequences: Trading activities may have significant tax consequences, including:

• Capital gains or losses
• Ordinary income from trading activities
• Tax on cryptocurrency transactions
• Foreign investment reporting requirements
• Wash sale rules and other tax regulations

10.3 Regulatory Compliance: You are responsible for complying with all applicable laws and regulations, including securities laws, in your jurisdiction.

10.4 Professional Advice: Consult with qualified tax professionals, accountants, and attorneys regarding your specific tax and legal obligations.

11. Regulatory Status and Disclosures

11.1 Not a Regulated Entity: Helwa AI is not:

• A registered investment advisor (RIA)
• A registered broker-dealer
• A financial institution
• A commodities trading advisor (CTA)
• A registered securities exchange
• Subject to regulatory oversight by the SEC, FINRA, CFTC, or similar agencies

11.2 Technology Platform: We are a technology platform providing educational tools, information services, and market data. We do not provide regulated financial services.

11.3 No Registration Requirement: We believe our services do not require registration as an investment advisor or broker-dealer based on our business model and the educational nature of our content. However, regulatory interpretations may change.

12. Third-Party Information and Services

12.1 Third-Party Content: Our Service may include information, data, opinions, or content from third-party sources. We do not endorse, verify, or take responsibility for third-party content.

12.2 Third-Party Services: We integrate with third-party services such as brokerages, payment processors, and communication platforms. We are not responsible for the actions, policies, or practices of third parties.

12.3 Links: Our Service may contain links to external websites. We do not control or endorse these websites and are not responsible for their content or practices.

13. Limitation of Liability

13.1 No Liability for Losses: TO THE MAXIMUM EXTENT PERMITTED BY LAW, HONEYPOT AI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY TRADING LOSSES, INVESTMENT LOSSES, OR DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

13.2 Exclusion of Damages: WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST DATA, TRADING LOSSES, OR BUSINESS INTERRUPTION.

13.3 Use at Your Own Risk: You acknowledge that you use the Service entirely at your own risk. We are not responsible for any decisions you make or actions you take based on information from the Service.

14. Your Responsibilities as a User

By using Helwa AI, you acknowledge and agree that you are solely responsible for:

• Trading Decisions: All trading and investment decisions and their consequences
• Research: Conducting your own research, analysis, and due diligence
• Risk Assessment: Evaluating and understanding the risks involved
• Financial Capability: Ensuring you have adequate financial resources to bear losses
• Compliance: Complying with all applicable laws and regulations
• Tax Obligations: Understanding and meeting your tax obligations
• Account Security: Protecting your account credentials and information
• Professional Advice: Seeking professional advice when appropriate
• Information Verification: Independently verifying information before acting on it
• Risk Management: Implementing appropriate risk management strategies

15. Updates to This Disclaimer

We may update this Risk Disclaimer from time to time. Material changes will be communicated through email or the Service. Your continued use after changes constitutes acceptance of the updated disclaimer.

We encourage you to review this disclaimer periodically to stay informed of any updates.

16. Contact Information

For questions or concerns about this Risk Disclaimer: