Disclaimer

Last updated: February 8, 2026 • Poro-IT OÜ

1. Investment Risk

All investing involves risk, including the possible loss of all money invested. You should be aware of the following:

• Stock prices can go down as well as up. There is no guarantee of profit.
• Past performance does not predict future results. A model with 75.9% AUC today may perform differently tomorrow.
• Markets can be volatile. Rapid price movements can result in significant losses, especially with auto-trading.
• You should never invest money you cannot afford to lose.
• Trading on margin or using leveraged products multiplies both gains and losses.

2. AI & Machine Learning Limitations

Our AI predictions are generated by statistical models and large language models. They have significant limitations:

Specific limitations of our system:

• ML models (Random Forest, XGBoost, etc.) are retrained nightly on historical data. They cannot predict unprecedented events.
• AI advisors (Claude, Gemini, Llama) are large language models. They can hallucinate, contradict each other, or produce plausible-sounding but incorrect analysis.
• Ensemble consensus — when all models agree, it increases probability but does not guarantee correctness.
• AUC scores (e.g. 75.9%) measure model quality on historical data. They are not accuracy guarantees for future predictions.
• Confidence percentages represent model probability, not real-world certainty.

3. Do Your Own Due Diligence (DYOR)

Before making any investment decision based on signals from BullishBeat.ai:

• Research the company — read financial statements, earnings reports, and SEC filings.
• Understand the risks — sector risks, market conditions, valuation levels.
• Consider your personal situation — your financial goals, risk tolerance, time horizon, and tax situation.
• Consult a licensed professional — if you need personalized investment advice, speak with a qualified financial advisor.
• Diversify — never put all your money into a single stock based on an AI signal.
• Use stop-losses — protect yourself from catastrophic losses.

4. Auto-Trade Specific Risks

If you enable AI auto-trade through IBKR, be aware of additional risks:

• Automated trading executes without your approval. Trades happen based on ML signals — you may not agree with every trade.
• Rapid losses are possible. In volatile markets, the AI may execute trades that lose money quickly before stop-loss limits are triggered.
• System failures can occur. Internet outages, API downtime, or bugs could prevent stop-losses from executing or cause unintended trades.
• The max-loss limit is a safeguard, not a guarantee. In extreme market conditions (e.g. gaps at market open), actual losses may exceed your configured limit.
• You are responsible for monitoring your auto-trade account. Check it regularly.

5. Paper Trading vs Real Trading

Paper trading results do not reflect real trading performance:

• No slippage — paper trades execute at displayed prices; real trades may execute at different prices.
• No liquidity impact — paper trades don't move the market; large real orders do.
• No emotional pressure — trading virtual money feels different from trading real money.
• No fees — real trading involves commissions, spreads, and other costs.

Success in paper trading does not guarantee success in real trading.

6. Smart Money & Congress Data

Our smart money signals (institutional flows, insider trades, Congress trades / Pelosi tracker) are based on public disclosure data:

• Insider and Congress trades are reported with delays (up to 45 days for Congress). By the time we display them, the opportunity may have passed.
• Institutional holdings from 13F filings are reported quarterly with delays. Positions may have changed since the filing date.
• Following insiders or politicians is a strategy, not a guarantee. Their trades can lose money too.

7. Third-Party Services

BullishBeat.ai relies on third-party services:

• Interactive Brokers (IBKR) — we are not affiliated with IBKR. Your brokerage relationship is governed by IBKR's terms. We are not responsible for IBKR outages, execution failures, or account issues.
• Polygon.io / Finnhub — market data may contain errors, delays, or gaps. We are not responsible for data inaccuracies from our providers.
• AI providers (Anthropic, Google, Meta) — AI responses may contain errors. We are not responsible for incorrect AI analysis.

8. No Guarantee of Availability

We strive for high uptime but cannot guarantee uninterrupted service. The platform may be unavailable due to maintenance, infrastructure issues, or external factors. This is especially important for auto-trade users — system downtime could prevent trades from executing or stop-losses from triggering.

9. Regulatory Notice

10. Tax Responsibility

You are responsible for reporting and paying taxes on your investment gains in your jurisdiction. While we offer tax report exports as a convenience, they may not be complete or accurate for your specific tax situation. Consult a tax professional for your specific circumstances.

11. Age Requirement

You must be at least 18 years old to use BullishBeat.ai. Real-money trading through IBKR requires you to meet IBKR's own eligibility requirements.

12. Acknowledgement

By using BullishBeat.ai, you acknowledge that:

• You have read and understood this disclaimer
• You understand the risks of investing and AI-assisted trading
• You will do your own research before making investment decisions
• You accept full responsibility for your trades and their outcomes
• You will not hold Poro-IT OÜ liable for any financial losses