Risk Disclosure

IMPORTANT RISK DISCLOSURE: Before using NewsDay or any of its services, please read this Risk Disclosure carefully. Financial markets and investment activities involve substantial risk of loss and are not suitable for every investor. By accessing NewsDay, you acknowledge that you understand and accept these risks.

1. General Risk Warning

Trading and investing in financial markets, including stocks, bonds, commodities, currencies, cryptocurrencies, and other instruments, involves significant risk. You may lose some or all of your invested capital. Historical performance does not guarantee future results.

NewsDay does not provide investment advice, recommendations, or solicitations to buy or sell any financial instruments. All content on NewsDay is for informational and educational purposes only.

2. Market Risks

2.1 Volatility Risk

Financial markets can be highly volatile. Prices can change rapidly and unpredictably due to various factors including economic conditions, political events, natural disasters, and market sentiment. Extreme price movements can occur without warning.

2.2 Liquidity Risk

Some investments may be difficult to sell quickly at a fair price, especially during market stress or for less commonly traded instruments. You may not be able to exit positions when desired or may have to accept significantly lower prices.

2.3 Market Risk

The value of investments can fall as well as rise. Market downturns can be severe and prolonged. Past performance is not indicative of future results.

3. Cryptocurrency and Digital Asset Risks

Cryptocurrencies and digital assets are subject to additional risks:

• Regulatory Risk: Cryptocurrency regulations vary by jurisdiction and can change rapidly
• Security Risk: Digital wallets and exchanges can be hacked or compromised
• Technology Risk: Blockchain technology is relatively new and may have undiscovered vulnerabilities
• Counterparty Risk: Exchanges and custodians may fail or become insolvent
• Volatility: Cryptocurrency prices can experience extreme fluctuations
• Lack of Insurance: Most digital assets are not insured against loss

4. Leverage and Derivatives Risks

Trading with leverage (margin) or using derivatives can amplify both gains and losses:

• Margin Calls: You may be required to deposit additional funds or close positions at a loss
• Amplified Losses: Small market movements can result in significant losses
• Complex Products: Derivatives can be difficult to understand and value
• Counterparty Risk: The other party to the derivative contract may default

5. Operational and Technology Risks

5.1 Platform Risks

Trading platforms, including NewsDay's services, may experience technical issues, outages, or errors. This could prevent you from executing trades, monitoring positions, or accessing your funds.

5.2 Connectivity Risks

Internet connectivity issues, power outages, or device failures can prevent you from managing your investments effectively.

5.3 Cyber Security Risks

Cyber attacks, hacking, phishing, and other security breaches can compromise your personal information and funds.

6. Information and Data Risks

All market data, news, analysis, and information provided by NewsDay is for informational purposes only:

• Not Real-Time: Data may be delayed, estimated, or sourced from third parties
• Not Guaranteed: Accuracy, completeness, and timeliness are not guaranteed
• No Advice: Content does not constitute investment advice or recommendations
• Third-Party Content: We may republish content from third parties without verification

7. Tax and Legal Risks

7.1 Tax Implications

Investment activities may have significant tax consequences. Tax laws vary by jurisdiction and can change. You are responsible for understanding and complying with applicable tax laws.

7.2 Legal and Regulatory Risks

Financial regulations vary by jurisdiction. Some investments may not be available or legal in your location. You are responsible for ensuring compliance with local laws and regulations.

8. Psychological and Behavioral Risks

Trading and investing can be psychologically challenging:

• Emotional Decision Making: Fear and greed can lead to poor investment decisions
• Overconfidence: Past successes may lead to excessive risk-taking
• Addiction: Trading can become compulsive and lead to financial ruin
• Stress and Health: Investment losses can cause significant stress and health issues

9. Counterparty and Custody Risks

When using third-party services:

• Broker/Dealer Risk: Your broker or dealer may fail or become insolvent
• Exchange Risk: Trading venues may halt trading or fail
• Custodian Risk: Assets held by custodians may not be fully protected
• Insurance Limitations: SIPC and other insurance may not cover all losses

10. Currency and International Risks

International investing involves additional risks:

• Currency Fluctuations: Foreign exchange rates can affect investment returns
• Political Risk: Political instability can affect markets and investments
• Economic Risk: Different economic conditions and policies
• Settlement Risk: Delays or failures in international settlements

11. Suitability and Risk Tolerance

Not all investments are suitable for all investors. You should:

• Assess your financial situation, investment objectives, and risk tolerance
• Understand the specific risks of each investment
• Only invest money you can afford to lose
• Consider diversifying your investments
• Consult with qualified financial professionals

12. No Guarantees or Warranties

NewsDay makes no guarantees or warranties regarding:

• The accuracy, completeness, or timeliness of any information
• The performance of any investment or strategy
• The availability or functionality of our services
• Future market conditions or economic outcomes

13. Limitation of Liability

To the fullest extent permitted by law, NewsDay shall not be liable for any losses, damages, or costs arising from:

• Relying on information provided by NewsDay
• Investment decisions or trading activities
• Technical issues or service interruptions
• Third-party actions or omissions
• Market volatility or economic conditions

14. Professional Advice Recommended

ALWAYS consult with qualified financial professionals before making investment decisions. This includes:

• Certified Financial Planners (CFP)
• Registered Investment Advisors (RIA)
• Certified Public Accountants (CPA)
• Licensed attorneys specializing in financial matters
• Tax professionals

Professional advice should be tailored to your specific financial situation, goals, and risk tolerance.

15. Acknowledgment and Acceptance

By using NewsDay or engaging in any investment activities, you acknowledge that:

• You have read and understood this Risk Disclosure
• You accept all risks associated with financial markets and investing
• You are solely responsible for your investment decisions
• You will not hold NewsDay liable for any losses or damages
• You will conduct your own research and due diligence

16. Contact Information

If you have questions about this Risk Disclosure or need clarification, please contact us:

Email: risk@newsday.com
Support: support@newsday.com

Last updated: 1/13/2026