Investment Risk Disclaimer

1. Introduction

NextPick (the "Service"), operated by CLOVERIA INC., is a market-intelligence and educational platform. This Disclaimer is incorporated into and supplements our Terms of Service. By using the Service you acknowledge and agree to the following.

2. Not Investment, Tax, or Legal Advice

Nothing on the Service constitutes investment, tax, accounting, or legal advice or a solicitation to buy or sell any security. AI-generated commentary, scores, signals, rankings, and rationales are provided for informational and educational purposes only and should not be relied upon for trading decisions. You should consult a licensed professional before making any financial decision.

3. Paper Trading Simulation

All AI bot positions, trades, P/L figures, win-rate statistics, and portfolio values shown on the Service are simulated paper trading. They reflect what the system would have done in a hypothetical account; no real money is committed and no real trades are executed. Real-world results would differ due to slippage, latency, fees, taxes, liquidity constraints, and order routing.

4. Past Performance Is Not Indicative of Future Results

Backtests, historical signal accuracy, and prior trading-bot returns are not a reliable indicator of future performance. Markets evolve; the same strategy may behave very differently in the future.

5. Investment Risk

Investing in equities, ETFs, options, and other instruments involves substantial risk, including the possible loss of principal. Options trading is highly speculative and not suitable for all investors. Leveraged or short-selling strategies can result in losses exceeding your initial investment.

6. Foreign-Investor Risk

Users outside the United States investing in US-listed securities face additional risks including currency exchange, withholding tax, regulatory differences, and access restrictions imposed by your local jurisdiction. Confirm that your participation is permitted under your country's laws before acting on any information from the Service.

7. No Fiduciary or Advisory Relationship

Use of the Service does not create a broker-dealer, investment-adviser, fiduciary, or any other professional relationship between you and CLOVERIA INC. We are not a registered investment adviser. We do not custody assets, accept deposits, or place trades on your behalf.

8. Third-Party Information

Market data, news, and other content provided by third parties (Yahoo Finance, Finnhub, TradingView, news APIs) are believed to be reliable but are not guaranteed for accuracy or completeness. We are not responsible for third-party content.

9. Contact

Questions about this disclaimer? Email legal@getnextpick.com.