Investment Disclaimer

No investment advice or fiduciary relationship

BTI content and tools are for general informational, educational and research purposes only. Nothing on the platform is investment advice, investment marketing, a personalized recommendation, portfolio management, tax advice, legal advice, accounting advice, an offer or a solicitation.

Using BTI does not create an adviser-client, broker-client, fiduciary or other professional relationship.

Decision Support Systems

BTI scores, fair values, rankings, opportunities, risk indicators, forecasts, alerts, screeners, simulations, portfolio observations and JINI responses are automated Decision Support Systems. Even when labeled personalized, they use limited data and are not a suitability assessment.

• Outputs may rely on assumptions, estimates, historical patterns and incomplete inputs.
• Different reasonable methods can produce materially different conclusions.
• A high score, positive outlook or estimated upside does not mean an asset is appropriate for you.

Artificial intelligence limitations

AI-generated content can be incorrect, outdated, inconsistent or fabricated. It may misunderstand a prompt, omit material facts, cite unreliable information or produce different answers to similar questions.

• Verify every material claim using authoritative sources.
• Do not treat conversational confidence as evidence of accuracy.
• Human review labels or data-backed context reduce risk but do not eliminate errors.

Market data and news limitations

Prices, fundamentals, news, estimates, corporate actions and other data may be delayed, adjusted, incomplete, duplicated or inaccurate because of provider, exchange, mapping or technical issues.

• BTI is not a real-time trading terminal or official record.
• Confirm prices, filings, prospectuses and corporate disclosures with authoritative sources before acting.
• Availability and historical coverage vary by market, asset and provider.

Valuations, forecasts and simulations

Fair value, discounted cash flow, multiples, scenario, Monte Carlo, risk and portfolio outputs are hypothetical estimates. Results are highly sensitive to growth, margins, discount rates, volatility, correlations, liquidity and other assumptions.

• Forecasts are not promises or price targets.
• Simulated and backtested performance does not represent actual trading and may omit fees, taxes, slippage, liquidity constraints and behavioral factors.
• Past performance does not guarantee future results.

Asset and market risks

Stocks, ETFs, options, bonds, commodities, foreign securities and digital assets can lose value rapidly. Risks include market, issuer, concentration, leverage, liquidity, currency, interest-rate, political, regulatory, operational, custody, counterparty and cybersecurity risk.

• Options, leverage and short exposure can create losses exceeding the initial amount committed.
• Digital assets may be extremely volatile and face custody, protocol, fraud and regulatory risks.
• Diversification and risk scores do not guarantee protection against loss.

Portfolio and personalized information

Portfolio analytics depend on data you enter or import. Missing positions, stale prices, incorrect cost bases, unsupported assets or incomplete objectives can materially change results.

You remain solely responsible for checking portfolio data and deciding whether any action fits your objectives, time horizon, finances and ability to bear loss.

Third parties, brokers and conflicts

BTI may link to brokers, issuers, news, research or other third parties and may receive affiliate or referral compensation. Some content may include third-party estimates or sponsored relationships.

• Compensation can create a potential conflict of interest.
• Inclusion, ranking or comparison is not an endorsement or guarantee.
• Review provider disclosures, fees, licenses and terms independently.

Independent review is required

Before making a financial decision, conduct independent research and consider consulting appropriately licensed investment, tax, legal and accounting professionals who can evaluate your complete circumstances.

• Do not invest money you cannot afford to lose.
• Consider fees, taxes, liquidity needs and emergency reserves.
• If information conflicts, pause and verify it before acting.

Your responsibility

You control and are responsible for every investment, trading and financial decision. BTI does not execute transactions or monitor accounts for losses. You assume the risks of using or relying on platform information, subject to rights that cannot be excluded by law.

For the contractual warranty and liability terms governing use of BTI, review the Terms of Service.