Limitations & Disclaimers

Portfolio Genius does not provide financial, investment, tax, or legal advice.

All information, analysis, recommendations, and content provided through Portfolio Genius are for educational and informational purposes only. Nothing on this platform should be construed as:

• A recommendation to buy, sell, or hold any security
• An offer or solicitation to buy or sell securities
• Personalized investment advice tailored to your specific situation
• Tax advice or tax planning guidance
• Legal advice regarding securities or investments

Before making any investment decisions, you should consult with a qualified financial advisor, tax professional, or other appropriate expert who can consider your individual circumstances.

To be completely transparent about our service, here is what Portfolio Genius is not:

Portfolio Genius uses artificial intelligence to analyze portfolios and generate insights. It is critical to understand the limitations of these AI-powered features:

AI Is Not Infallible

• AI models can make errors, misinterpret data, or provide incorrect analysis
• AI recommendations are based on historical data and patterns that may not predict future outcomes
• The AI does not know your complete financial picture, goals, risk tolerance, or personal circumstances
• AI-generated content should be verified independently before acting on it

Limitations of Automated Analysis

• Our AI analyzes portfolios based on publicly available data and general investment principles
• It cannot account for your tax situation, time horizon, liquidity needs, or other personal factors
• Recommendations may not be suitable for your specific investment objectives
• The AI may not have access to the most recent market information or breaking news

Past performance is not indicative of future results.

This fundamental principle of investing applies to all aspects of Portfolio Genius:

• Historical returns shown for securities do not guarantee future performance
• Backtested strategies or hypothetical performance have inherent limitations
• Market conditions change, and strategies that worked in the past may not work in the future
• Leaderboard rankings reflect past performance and should not be used to predict future results
• Any performance data shown is for informational purposes only

Investing involves risk, including the possible loss of principal. The value of your investments can go down as well as up, and you may receive back less than you invested.

While we strive to provide accurate data, there are inherent limitations:

• Data Delays: Market data may be delayed by 15 minutes or more during trading hours
• Third-Party Sources: We rely on third-party data providers who may have errors in their data
• Corporate Actions: Stock splits, dividends, and other corporate actions may take time to be reflected
• Coverage Gaps: Some securities, especially international stocks, may have limited or no data
• Calculation Errors: Despite our best efforts, calculations may contain errors

You should always verify important data with your brokerage account or other authoritative sources before making decisions. See our Data Sources page for more information about where our data comes from.

By using Portfolio Genius, you acknowledge and agree that:

• You are responsible for your own investment decisions. Portfolio Genius provides tools and information, but all investment decisions are yours alone.
• You should verify all information. Do not rely solely on data or analysis from Portfolio Genius without independent verification.
• You understand the risks of investing. All investments carry risk, including the risk of total loss.
• You will seek professional advice when appropriate. For significant financial decisions, tax matters, or complex situations, consult qualified professionals.
• You will keep your account secure. You are responsible for maintaining the security of your Portfolio Genius account and any connected brokerage accounts.

Portfolio Genius makes no guarantees regarding:

• The accuracy, completeness, or timeliness of any information provided
• Investment performance or returns
• The suitability of any information for your particular needs
• Uninterrupted or error-free service availability
• The results you may obtain from using our tools

The service is provided "as is" and "as available" without warranties of any kind, either express or implied.

Portfolio Genius may display content from third-party sources, including:

• Market data from data providers
• News articles and financial information
• Links to external websites

We do not endorse, guarantee, or assume responsibility for the accuracy or reliability of any third-party content. Third-party content is provided for informational purposes only and should not be relied upon for investment decisions.