IncomeNavigator.com Disclaimer and Terms of Use

1. Terms and Conditions of Use 1.1 By accessing IncomeNavigator.com training or content in any form, including but not limited to the blog, seminars, webinars, mentoring, or newsletters (collectively, the “Blog Service”), you signify acceptance of the following terms and conditions. Your use of the Blog Service indicates your agreement to these terms. If you do not agree to be bound by these terms, please do not proceed with accessing or using the Blog Service. These terms may be modified at any time without notice.

1.2 Changes to these terms may be made in the future without notice. You are responsible for regularly reviewing this Disclaimer and Terms of Use. Continued access or use of the Blog Service constitutes your agreement to any changes.

1.3 These terms include important disclosures regarding the risks associated with options and futures trading and should be carefully reviewed before engaging in such activities.

1.4 The Blog Service is provided by IncomeNavigator.com. The information provided is not an offer to sell or a solicitation to buy any commodities, securities, or financial products. Information is sourced from reliable sources but is not guaranteed to be accurate or all-inclusive.

2. General Disclaimer The investment blog at IncomeNavigator.com (the “Blog”) is authored by Igor Ivanovskiy and other contributors (collectively, the “Authors”) and is provided solely for informational and entertainment purposes. The content reflects the Authors’ personal opinions and does not constitute a recommendation or advice regarding any specific security, portfolio, transaction, or investment strategy tailored to any individual’s needs. The Authors do not provide personalized investment advice concerning the suitability, value, or potential of any security, portfolio, transaction, or strategy. Any information that may be considered investment advice is general, impersonal, and not customized to any specific person’s financial situation.

The Authors or their affiliates may hold positions or interests in securities discussed in the Blog and may trade these securities for their own account(s), potentially in ways that differ from the views expressed in the Blog. The Authors may hold licenses with FINRA, the SEC, or state securities authorities, but such licenses may not be disclosed in the Blog.

3. Risks of Options Trading Options trading is generally not suitable for individuals with limited resources, limited investment or trading experience, or low risk tolerance. The risk of loss in trading options and other securities can be substantial. Consider all relevant risk factors, including your personal financial situation, before trading. You could sustain a substantial loss, potentially exceeding your initial investment, in a short period. Do not invest money you cannot afford to lose, such as retirement savings, student loans, mortgages, emergency funds, or funds required for living expenses. Consult a trusted, independent financial advisor if you have questions about trading risks. The Blog Service does not constitute a solicitation to trade any option, security, or investment.

Options are volatile and priced based on complex factors, including the price and volatility of the underlying asset, time until expiration, and interest rates, involving a high degree of financial risk. Risks include, but are not limited to: (i) losing your entire investment as an option goes out of the money or nears expiration; (ii) certain options lacking secondary markets, limiting realization of value until expiration; (iii) specific exercise provisions creating additional risk; (iv) regulatory changes impairing value realization; and (v) rapid loss of your entire investment. Familiarize yourself with the type of options (e.g., put or call) and their risks. Options expire, losing all value if not sold or exercised in time, requiring careful monitoring.

Be cautious of claims or advertisements promising large profits in options trading, as they may not reflect typical outcomes.

4. Risks of Options Contracts Options trading involves complex contracts, which may be unclear or subject to misinterpretation, potentially leading to disputes or adverse outcomes. Such disputes could render contracts unenforceable or result in unfavorable consequences.

5. Underlying Securities Options relate to underlying securities that may undergo changes, such as stock splits, reverse stock splits, spin-offs, or other corporate actions, affecting their value independently of market trading. You are responsible for researching issuers related to your options, as the Authors are not obligated to provide such information.

6. General Economic and Market Conditions The options market is influenced by general economic and market conditions, changes in laws, currency exchange controls, and political or socio-economic events. Factors such as inflation, currency fluctuations, industry conditions, competition, technological developments, and global events can adversely affect the options market, beyond your control or that of the Authors.

7. Regulatory Risks Courts, the Securities and Exchange Commission, other regulatory agencies, or options markets may impose restrictions on options trading, potentially affecting your portfolio or trading activities.

8. Taxation Options trading may result in complex tax obligations. Consult your tax advisor regarding your tax situation and the impact of options trading, as these considerations are highly personal.

9. Counterparty Risk Options trading exposes you to risks that third parties, such as trading counterparties, brokers, clearing agents, exchanges, or custodians, may fail to perform their obligations due to bankruptcy, lack of liquidity, or other reasons. Additionally, commissions or transaction fees may apply, requiring options to increase in value to offset these costs and achieve profitability.

10. Past Performance Past performance is not indicative of future results. No representation is made that any account or trade will achieve profits or losses similar to those discussed. All trading strategies and investments involve risk of loss. No information in the Blog Service guarantees future performance or success. You are solely responsible for your investment and trading decisions.

11. Intellectual Property The Blog Service, including all design, text, images, trademarks, trade names, logos, white papers, press releases, and software products, is protected by United States and international copyright laws. Trademarks, trade names, logos, images, and service marks used in the Blog Service are the property of IncomeNavigator.com and may not be used without prior written permission and proper acknowledgment.

12. Disclaimers of Warranties and Liability 12.1 The Authors and their associates do not guarantee any performance level, results, or outcomes from using the Blog Service, nor do they claim that use of the provided information will result in profit or prevent loss.

12.2 The Authors do not guarantee the accuracy or completeness of any information or analysis in the Blog Service. There may be omissions or inaccuracies. To the fullest extent permitted by law, the Authors disclaim all representations or warranties regarding the accuracy, completeness, timeliness, merchantability, or fitness for a particular purpose of the Blog Service and make no express, implied, or statutory warranties. The Authors shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Blog Service or its content.

12.3 The Authors shall not be liable for any damages, including direct, indirect, special, punitive, incidental, or consequential damages (e.g., loss of profits, information, or savings), arising from the availability, use, reliance on, or inability to use the Blog Service, even if advised of the possibility of such damages, regardless of the form of action. Where jurisdictions do not allow exclusion of certain damages, these exclusions apply to the maximum extent permitted.

12.4 Access to the Blog Service may be delayed or interrupted due to scheduled or unscheduled causes. The Blog Service is provided “as-is” and “as-available,” without warranty. The Authors do not guarantee uninterrupted or error-free service or that defects will be corrected.

12.5 The Authors do not warrant that the Blog Service or its content is free of viruses, worms, Trojan horses, or other contaminants. You are responsible for maintaining antivirus software and taking steps to prevent damage to your information or system.

13. Hold Harmless You agree to indemnify and hold harmless the Authors, their affiliates, and associates from any claim or demand, including reasonable attorneys’ and experts’ fees, arising from your use of the Blog Service or information provided therein. You expressly agree that use of the Blog Service is at your own risk. The Authors are not responsible for any loss or damage resulting from third-party interactions via the Blog Service.

14. Privacy Your privacy is important. Please review the separate Privacy Policy, which explains how IncomeNavigator.com collects, maintains, uses, and discloses personal information.

15. No Recommendations Options and futures trading involve substantial risk and are not suitable for all investors. Information, including daily price data, is believed to be reliable when posted but is not guaranteed to be accurate, complete, or current due to market volatility.

16. SEC Disclaimer The Blog Service generates trading signals and is not investment advice. The Authors have no financial interest in the outcome of trades mentioned, except as disclosed. There is a substantial risk of loss in trading futures, options, and commodities. You must determine your suitability for such trading. There may be tax consequences for profits or losses; consult your tax advisor if applicable.

17. No Personal Advice The Blog Service provides general information about options and futures trading and is not specific financial or investment advice. Do not act or rely on this information without consulting your financial advisor or broker, who can consider your circumstances and the latest available information.

18. Dispute Resolution Any dispute arising from the Blog Service or related products shall be arbitrated before the National Futures Association in Atlanta, Georgia. The Authors reserve the right to bring action in a court of law to enforce legal or equitable rights. You waive any right to change the venue of any lawsuit brought by the Authors.

19. Limitation of Liability THE AUTHORS, THEIR AFFILIATES, PARTNERS, MEMBERS, MANAGERS, DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR DATA, ARISING FROM USE OF THE BLOG SERVICE OR ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE AUTHORS’ TOTAL LIABILITY, REGARDLESS OF THE CAUSE OF ACTION, IS LIMITED TO THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE BLOG SERVICE IN THE PRECEDING TWELVE MONTHS, NOT TO EXCEED $1,000. IF NO FEES WERE PAID, YOUR SOLE REMEDY IS INJUNCTIVE RELIEF, UNLESS OTHERWISE PERMITTED BY LAW, AND NO OTHER DAMAGES MAY BE CLAIMED.

Some state laws may not allow certain limitations on implied warranties or damages. If applicable, some disclaimers or limitations may not apply, and you may have additional rights.

20. Hypothetical Performance Hypothetical or simulated performance results in the Blog Service are believed to be accurate but are not guaranteed. Such results have limitations, as they do not reflect actual trading and may not account for factors like liquidity, slippage, or commissions. Simulated trading programs are designed with hindsight and do not guarantee future performance. No representation is made that any investment will achieve results similar to those shown. All investments carry risks.

21. Options Trading Risks Options trading involves significant risks and is not suitable for all investors. For more information, refer to the Options Disclosure Document: Characteristics and Risks of Standardized Options.