Disclaimer

Table of Contents

1. Critical Risk Warning
2. Not Investment Advice
3. Regulatory Status
4. Hypothetical Performance Disclaimer (CFTC)
5. Investment Analysis Tool Disclosure (FINRA)
6. Risk of Loss
7. Historical Data Limitations
8. Algorithmic/Automated Analysis
9. No Warranty or Guarantee
10. Forward-Looking Statements
11. Tax Disclaimer
12. Third-Party Information
13. Independence and Compensation
14. International Users / EU Disclaimer
15. Jurisdictional Restrictions
16. Professional Advice Recommended
17. Limitation of Liability
18. Indemnification
19. Contact Information

2. Not Investment Advice

MarketOdds is NOT:

• A registered investment adviser under the Investment Advisers Act of 1940
• A broker-dealer registered under the Securities Exchange Act of 1934
• A commodity trading advisor (CTA) registered with the CFTC
• A commodity pool operator (CPO) registered with the CFTC
• A financial planner or financial institution
• Providing personalized investment advice or recommendations
• Making specific buy, sell, or hold recommendations for any security
• Guaranteeing any trading outcomes or investment results

Any reference to specific securities, tickers, or trading opportunities is for illustrative and educational purposes only and does not constitute a recommendation to buy, sell, or hold such securities. The decision to trade or invest is solely yours.

3. Regulatory Status

MarketOdds is not registered, licensed, or affiliated with:

• U.S. Securities and Exchange Commission (SEC)
• Financial Industry Regulatory Authority (FINRA)
• Commodity Futures Trading Commission (CFTC)
• National Futures Association (NFA)
• Any state securities regulator
• Any foreign financial regulatory authority

MarketOdds is a software platform that provides educational tools and historical market data analysis. We are not regulated as an investment adviser, broker-dealer, or commodity trading advisor, and the use of our platform does not create a fiduciary relationship between you and MarketOdds.

4. Hypothetical Performance Disclaimer

The backtesting results, historical performance statistics, probability calculations, and analysis presented on MarketOdds are HYPOTHETICAL in nature and are subject to the following mandatory disclosure pursuant to CFTC Regulation 4.41:

4.1 Inherent Limitations of Hypothetical Results

• No Actual Execution: Hypothetical results do not represent actual trades and do not involve real money or real risk
• Hindsight Bias: All analysis is conducted with the benefit of knowing what happened historically
• Market Impact Not Reflected: Results do not account for the impact your orders would have on the market
• Liquidity Assumptions: Results assume you could have executed at historical prices, which may not have been possible
• Slippage Not Included: Results do not include slippage, which is the difference between expected and actual execution prices
• Transaction Costs: Results may not fully account for commissions, fees, and other transaction costs
• Psychological Factors: Hypothetical trading does not involve the emotional and psychological pressures of real trading
• Capital Constraints: Results do not account for your specific capital constraints or margin requirements

THE HYPOTHETICAL RESULTS SHOWN ON MARKETODDS ARE NOT INDICATIVE OF FUTURE PERFORMANCE. ACTUAL RESULTS MAY DIFFER MATERIALLY FROM HYPOTHETICAL RESULTS.

5. Investment Analysis Tool Disclosure

In accordance with FINRA Rule 2214 (Requirements for the Use of Investment Analysis Tools), the following disclosures apply to the analysis tools provided by MarketOdds:

5.1 Tool Methodology

• Our tools analyze historical price data to calculate the frequency of positive and negative returns during specific calendar periods
• Probability percentages are calculated based on the ratio of winning periods to total periods analyzed
• Analysis is based on adjusted closing prices and may not reflect intraday movements
• Results vary based on the time period analyzed and the parameters selected

5.2 Key Assumptions and Limitations

• Historical patterns may not repeat in the future
• Market structure, regulations, and participant behavior change over time
• Corporate actions, splits, and dividends are adjusted but may contain errors
• The universe of securities analyzed is limited to those with sufficient historical data
• Delisted securities may not be included (survivorship bias)

5.3 Results May Vary

The results generated by our tools may vary with each use and over time as new data becomes available. Different users may obtain different results based on the parameters selected. Our tools are one of many research methods available and should not be the sole basis for any investment decision.

5.4 No FINRA Endorsement

MarketOdds is not endorsed, sponsored, or approved by FINRA or any other regulatory organization. The inclusion of this disclosure does not imply any regulatory approval or endorsement of our tools or services.

6. Risk of Loss

TRADING SECURITIES INVOLVES SUBSTANTIAL RISK OF LOSS. You should carefully consider your investment objectives, level of experience, risk appetite, and financial situation before trading.

6.1 Specific Risks Include:

• Market Risk: The value of securities can decline due to market conditions, economic factors, or company-specific events
• Volatility Risk: Sudden and significant price movements can cause substantial losses in short periods
• Liquidity Risk: You may not be able to buy or sell securities at desired prices or times
• Gap Risk: Prices may gap significantly between trading sessions, potentially bypassing stop-loss orders
• Leverage Risk: If using margin or derivatives, losses can exceed your initial investment
• Concentration Risk: Focusing on specific sectors, patterns, or strategies increases risk
• Systemic Risk: Market-wide events can affect all securities simultaneously
• Execution Risk: Orders may not execute at expected prices due to market conditions
• Technology Risk: System failures, connectivity issues, or errors may prevent timely trading
• Regulatory Risk: Changes in laws or regulations may affect your investments

6.2 Options and Derivatives

If you trade options or other derivatives based on information from MarketOdds:

• Options can expire worthless, resulting in 100% loss of premium paid
• Selling options can result in losses exceeding your initial margin
• Derivatives are complex instruments and may not be suitable for all investors
• You should read and understand the options disclosure document (ODD) before trading

7. Historical Data Limitations

The analysis provided by MarketOdds is based entirely on historical market data. You should understand the following limitations:

• Past Performance: Historical results do NOT predict, guarantee, or indicate future performance
• Market Evolution: Markets, technology, regulations, and participant behavior continuously evolve
• Data Quality: Historical data may contain errors, gaps, or inaccuracies
• Survivorship Bias: Analysis may not include companies that were delisted, went bankrupt, or otherwise ceased trading
• Look-Ahead Bias: Some analysis may inadvertently incorporate information that would not have been available at the time
• Regime Changes: Market regimes change over time; patterns that worked in one regime may fail in another
• Black Swan Events: Rare, unpredictable events can invalidate historical patterns
• Sample Size: Some patterns may be based on limited data and may not be statistically significant

What worked historically may not work in the future. Patterns can break down at any time without warning.

8. Algorithmic and Automated Analysis

MarketOdds uses algorithms and automated systems to analyze market data. You should understand:

• Algorithmic Limitations: Our algorithms are designed based on historical data and may not perform well under changing market conditions
• No Human Judgment: Automated analysis does not incorporate human judgment, intuition, or real-time assessment of market conditions
• Model Risk: Mathematical models have inherent limitations and may produce incorrect or misleading results
• Parameter Sensitivity: Results may be highly sensitive to the parameters and assumptions used
• Overfitting: Some patterns may be the result of overfitting to historical data and may not persist in the future
• Technical Errors: Algorithms may contain bugs, errors, or produce unexpected results
• Data Dependency: Algorithm outputs depend on the quality and accuracy of input data

Algorithmic analysis should be used as one input among many in your investment research process, not as a sole basis for investment decisions.

9. No Warranty or Guarantee

MarketOdds provides its services and information "AS IS" and "AS AVAILABLE" without any warranties of any kind, express or implied:

• Accuracy: We do not warrant the accuracy, completeness, reliability, or timeliness of any information
• Availability: We do not guarantee uninterrupted or error-free service
• Fitness: We make no warranty that the service is suitable for your particular needs
• Results: We make no representation that you will achieve profits or avoid losses
• Data Quality: We do not warrant that data is free from errors or omissions
• Security: We do not guarantee that the service will be secure or free from vulnerabilities

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10. Forward-Looking Statements

Certain information on MarketOdds may constitute "forward-looking statements" within the meaning of applicable securities laws. These statements include:

• Probability percentages and odds calculations
• Projected or expected price movements
• Seasonal pattern analysis and predictions
• Any statements about future market behavior

Forward-looking statements are inherently uncertain and subject to risks. Actual results may differ materially from any forward-looking statements due to factors including:

• Changes in market conditions
• Economic events and announcements
• Geopolitical developments
• Company-specific news and events
• Regulatory changes
• Unforeseen circumstances

You should not rely on forward-looking statements as predictions of future events.

11. Tax Disclaimer

MarketOdds does not provide tax advice. The tax implications of trading and investing can be complex and vary based on:

• Your country of residence and tax jurisdiction
• The type of account used (taxable, retirement, etc.)
• The type of securities traded
• Holding periods (short-term vs. long-term)
• Your overall tax situation

Tax laws change frequently and may differ significantly between jurisdictions. You should consult a qualified tax professional before making investment decisions and to understand the tax consequences of your trading activities.

12. Third-Party Information

MarketOdds may display or incorporate information from third-party sources, including:

• Market data from financial data providers
• Stock prices and historical data
• Company information and fundamentals
• News articles and external content
• Educational resources and research

We do not control, verify, or endorse third-party content. Third-party information is provided "as is" without any warranty. We are not responsible for errors, omissions, or inaccuracies in third-party data. Use all third-party information at your own risk.

13. Independence and Compensation

13.1 Editorial Independence

The analysis, tools, and information provided by MarketOdds are generated independently. We do not receive compensation from any company, fund, or issuer to feature, recommend, or analyze their securities.

13.2 No Affiliated Securities

MarketOdds and its principals do not have material financial interests in the specific securities analyzed on our platform. We do not engage in proprietary trading based on the analysis we provide.

13.3 Advertising

Our platform may display advertisements or promotional content from third parties. Such advertisements do not constitute endorsements or recommendations by MarketOdds.

13.4 Affiliate Relationships

We may receive compensation through affiliate relationships with brokers or other financial services providers. Such relationships do not affect the independence of our analysis tools, and we are not compensated to recommend specific securities.

14. International Users / EU Disclaimer

MarketOdds primarily analyzes U.S. securities markets. If you are located outside the United States:

14.1 General International Disclaimer

• Information may not be applicable to your local markets
• Trading regulations differ by jurisdiction
• Tax implications vary by country
• Currency exchange risks may apply
• Access to U.S. markets may be restricted in your jurisdiction

14.2 European Union / MiFID II Disclaimer

For users in the European Union, European Economic Area, or United Kingdom:

• MarketOdds is NOT authorized or regulated under MiFID II or any EU financial services directive
• We do not provide investment services or activities within the meaning of MiFID II
• Our services are educational tools only and do not constitute investment advice under EU regulations
• EU consumer protection regulations regarding financial services may not apply to our services
• We do not assess the suitability or appropriateness of our services for individual users

14.3 Other Jurisdictions

MarketOdds makes no representation that its services are appropriate or available for use in any particular jurisdiction. Users are responsible for compliance with local laws and regulations.

15. Jurisdictional Restrictions

Access to MarketOdds may be restricted or prohibited in certain jurisdictions. By using our services, you represent that:

• You are not located in a jurisdiction where use of our services is prohibited
• You are not subject to sanctions or trade restrictions that would prohibit your use
• You are legally permitted to access financial information and educational content in your jurisdiction
• You will comply with all applicable local laws and regulations

MarketOdds is not available to residents of countries subject to comprehensive U.S. sanctions (including but not limited to Cuba, Iran, North Korea, Syria, and the Crimea region of Ukraine).

16. Professional Advice Recommended

Only qualified professionals can provide personalized advice based on your specific financial situation, investment objectives, risk tolerance, and time horizon. MarketOdds cannot and does not provide such personalized advice.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MARKETODDS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR:

• Any trading losses or investment losses
• Lost profits, revenues, or opportunities
• Loss of data or business interruption
• Errors, omissions, or inaccuracies in data or analysis
• Service interruptions, delays, or unavailability
• Any indirect, incidental, special, consequential, or punitive damages
• Damages arising from reliance on information provided
• Damages arising from third-party content or services

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE GREATER OF (A) ONE HUNDRED DOLLARS ($100) OR (B) THE TOTAL FEES PAID BY YOU TO MARKETODDS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

THIS LIMITATION APPLIES REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE, OR OTHERWISE), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

18. Indemnification

You agree to indemnify, defend, and hold harmless MarketOdds, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your use of MarketOdds and its services
• Your trading or investment decisions
• Your violation of this Disclaimer or our Terms of Service
• Your violation of any applicable law, regulation, or third-party rights
• Any claim that your use of our services caused damage to a third party