Purpose and scope
This Investment Risk Disclosure applies to information, research, portfolio analytics, market commentary, alerts, model outputs, AI-assisted content, and hypothetical scenarios made available through iMaster. It supplements the Terms of Service and does not replace disclosures provided by a brokerage, issuer, exchange, adviser, fund, regulator, or other financial professional.
Investing involves risk. You may lose some or all of the money invested, and losses may exceed the original investment when leverage, margin, options, short positions, or other complex products are involved.
Information and research—not investment advice
iMaster does not provide investment advice, brokerage services, trade execution, portfolio management, or fiduciary services. Nothing in the Service is an offer, solicitation, or individualized recommendation to buy, sell, hold, or enter a transaction. Terms such as “opportunity,” “risk,” “bullish,” “bearish,” “candidate,” “outlook,” “guidance,” “suggested,” “fair value,” or “allocation” describe analytical outputs, research organization, or hypothetical scenarios—not instructions.
Displaying content in relation to your holdings, goals, or risk preferences does not mean that we have evaluated your complete financial condition or determined that an investment is suitable for you.
Market risk and loss of principal
- Security and digital-asset prices can change rapidly because of economic conditions, interest rates, inflation, issuer events, regulation, geopolitics, market structure, sentiment, or events that cannot be predicted.
- Past performance does not guarantee or reliably indicate future results.
- Diversification and asset allocation do not assure a profit or prevent loss.
- Stop orders, hedges, or risk limits may not work as expected during gaps, illiquidity, volatility, outages, or extraordinary events.
- Markets and intermediaries may halt trading, limit withdrawals, change margin requirements, or otherwise restrict activity.
Data accuracy, freshness, and reconciliation risk
Brokerage, market, pricing, foreign-exchange, news, filing, analyst, social, and reference data may be delayed, incomplete, inaccurate, duplicated, revised, normalized differently, or unavailable. Cost basis, corporate actions, options, fractional positions, cash movements, transfers, and pending transactions are especially susceptible to timing or classification differences.
iMaster may cache information and may estimate performance when history is incomplete. Currency conversion, account matching, capital-flow classification, and reconciliation can introduce additional error. Always use the brokerage’s official records, statements, trade confirmations, and tax documents as the authoritative source.
Models, AI, and automated analysis
- Models and generative AI can hallucinate, omit context, misclassify information, overstate confidence, reproduce source errors, or produce inconsistent results.
- Directional labels and probabilities are uncertain estimates, not facts or guarantees.
- Model relationships may fail when market regimes, correlations, liquidity, volatility, issuer fundamentals, or available data change.
- AI-generated summaries may not reflect every source, later correction, or material fact and should be checked against primary sources.
- A risk score, opportunity score, sentiment label, event impact, or research verdict cannot capture every relevant personal, market, legal, tax, or product consideration.
Performance, forecasts, and hypothetical results
Historical returns may be estimated and may differ from brokerage or tax records because of missing flows, valuation timing, fees, taxes, currency conversion, corporate actions, or methodology. Time-weighted return, money-weighted return, alpha, drawdown, unrealized gain, and related metrics use assumptions and are not interchangeable.
Forecasts, price ranges, fair-value estimates, stress tests, scenario results, proposed weights, and “before/after” metrics are hypothetical. They do not represent actual trading, do not include every cost or constraint, and may benefit from hindsight or simplified assumptions. Actual results can differ materially.
Limits of portfolio and risk-profile analysis
Portfolio analysis may use selected accounts, holdings, user-entered preferences, and limited market information. It does not constitute a complete financial plan and may not consider income, expenses, dependents, insurance, debts, other assets, tax status, legal restrictions, liquidity events, estate planning, or changing personal circumstances.
A risk questionnaire describes selected preferences at a point in time. It does not establish legal suitability, investment capacity, or a fiduciary recommendation. Defaults may be used when information is missing. Keep information current and consult qualified professionals for a comprehensive assessment.
Product-specific risks
Stocks and ETFs
Equities can lose substantial value, become illiquid, or become worthless. ETFs can trade away from net asset value, close, change strategy, use derivatives, or expose investors to concentration, tracking, counterparty, and liquidity risks.
Options and derivatives
Options and derivatives are complex, time-sensitive, and can expire worthless. Sellers and leveraged positions may face losses exceeding premiums or initial capital. Volatility, assignment, exercise, liquidity, spread, and tax treatment can materially affect results.
Digital assets
Digital assets may be extremely volatile and may face custody, cybersecurity, protocol, stablecoin, liquidity, platform, fraud, fork, regulatory, and valuation risks. Investor protections available for traditional securities or bank deposits may not apply.
Fixed income and cash products
Bonds and fixed-income products are subject to interest-rate, credit, default, call, reinvestment, inflation, and liquidity risk. Cash-like products can have issuer, fund, or platform risk and are not necessarily insured.
Margin, leverage, short selling, and borrowing
Borrowing and leverage magnify gains and losses. A brokerage may increase requirements, liquidate positions without prior approval, restrict trading, charge changing interest, or require additional funds on short notice. Short selling can produce theoretically unlimited losses. iMaster displays and scenarios cannot predict a broker’s liquidation practices or your actual financing costs.
Concentration, liquidity, currency, and timing
- Concentrated exposure to one issuer, industry, geography, factor, account, or asset type can magnify loss.
- Low-volume or stressed markets may make an asset difficult or costly to sell at an expected price.
- Foreign assets involve currency, political, settlement, disclosure, market-hours, and jurisdiction risks.
- Correlations may rise during stress, reducing expected diversification benefits.
- Data and analysis viewed outside relevant market hours may not reflect subsequent prices or events.
News, social sentiment, and third-party research
News, social media, analyst ratings, institutional filings, insider transactions, and other research signals may be incomplete, promotional, manipulated, misinterpreted, stale, or later corrected. A filing or transaction may have reasons not visible from the data. Third-party opinions are not endorsed by Lansum. Read primary documents and evaluate source quality independently.
Brokerage connectivity risk
Account connections may fail, expire, be disabled, return partial data, or require renewed authentication. Provider or institution outages and changes may delay synchronization. Deleting a connection stops future access but does not reverse trades or activity at a brokerage. iMaster’s read-only connection does not monitor or protect an account continuously and cannot prevent a brokerage transaction, margin call, fraud, or loss.
Tax, legal, and regulatory considerations
iMaster does not provide tax or legal advice. Taxes, reporting, wash-sale rules, holding periods, account types, residency, and local regulation can change the result of a transaction. Calculated gains, losses, income, and capital flows are not tax records. Consult qualified advisers and use official brokerage and tax documents.
Independent review and professional advice
Before making a decision, consider your objectives, financial resources, liquidity needs, time horizon, risk capacity, product knowledge, fees, taxes, and alternatives. Review current official documents and obtain advice from an appropriately licensed investment, legal, or tax professional when needed. You remain solely responsible for any decision or transaction.
No continuous monitoring or emergency service
Unless expressly stated, iMaster does not continuously monitor your portfolio, prices, brokerage account, or personal circumstances. Alerts can be delayed, missed, suppressed, or unavailable. Do not rely on iMaster for emergency, fraud, margin-call, liquidation, time-sensitive trading, or account-security notifications. Contact the brokerage or appropriate authority directly.
Acknowledgment
By using investment-related features, you acknowledge that you understand these limitations; that investment loss is possible; that iMaster content and outputs are informational and uncertain; that official brokerage and primary-source records control; and that you are responsible for independently evaluating and accepting the consequences of your decisions.
Questions about this disclosure may be submitted through the Contact page.