Disclaimer

1. Educational information only

The website, courses, presentations, newsletters, messages, examples, analyses, AI output, software and other materials of Delmont Capital BV are intended solely for financial education and general information purposes.

They do not constitute personal investment advice, an investment recommendation, asset management, brokerage, an offer, an invitation, legal advice, tax advice or individual financial planning. Delmont does not assess whether information or a financial instrument is suitable or appropriate for a specific person.

2. No advice to buy or sell

References to shares, ETFs, funds, bonds, brokers, markets, strategies or other products serve solely as educational examples. They do not mean that Delmont recommends buying, holding, selling or avoiding a particular product.

Delmont does not sell investment products, does not receive client money and does not receive any commission or fee from a provider for a participant's purchasing decision, unless this is ever stated otherwise expressly, in advance and transparently.

3. Risk of investing

Investing involves risks. The value of investments can rise and fall and you may lose part or all of the money you invest. Historical results, simulations, backtests, scores, examples and expectations offer no guarantee of future results.

Returns can be affected by, among other things, market risk, company risk, liquidity, costs, taxes, exchange rates, interest rates, inflation and personal timing. Every user investigates independently whether investing is appropriate and, where necessary, consults a recognised financial, legal or tax adviser.

4. No guarantee of accuracy or timeliness

Delmont strives to provide reliable and understandable information, but does not guarantee that all information is complete, error-free, up to date or suitable for a particular purpose at all times. Markets, legislation, taxation, data sources and products may change. The user always checks essential information against current primary sources.

5. Delmont Investment Framework and AI

The Delmont Investment Framework and other automated tools structure information according to certain models and assumptions. A score, classification, report or AI answer is not a prediction, personal advice or a guarantee.

AI output may contain incorrect, incomplete, invented or outdated information. Never use such output as the sole basis for a financial decision. Check source data, calculations and conclusions independently.

The free option to test a maximum of three share analyses is a limited introductory feature. Delmont may adjust limits, features and availability and may block misuse or the creation of multiple accounts.

6. Own responsibility

Every user remains responsible for:

• the decision whether or not to invest;
• the choice of broker, product, amount and timing;
• reading official product information;
• securing accounts and devices;
• tax returns and other legal obligations;
• assessing their own financial situation and capacity to bear losses.

7. External websites and services

Links to external websites or references to third parties are offered solely as a service. Delmont does not permanently monitor those websites and is not responsible for their content, availability, security, terms, privacy practices or services. A link does not imply endorsement or collaboration, unless expressly stated otherwise.

8. Availability

Delmont does not guarantee uninterrupted or error-free availability of the website, accounts, downloads, email, analyses or software. Maintenance, security measures, outages, force majeure or problems at third parties may restrict access.

9. Liability

To the extent permitted by law, Delmont is not liable for damage resulting from decisions, transactions or omissions based on general information, course materials, AI output, analyses or external sources. The liability arrangement in the applicable terms and conditions continues to apply. Nothing in this disclaimer excludes liability that cannot be excluded under mandatory law.

10. Intellectual property

All content and materials are protected by intellectual property rights. Use beyond the expressly permitted personal learning purposes requires prior written permission from Delmont.

11. Changes and contact

Delmont may amend this disclaimer when services, technology or regulations change. Questions can be sent to legal@delmontcapital.be.