Investment Disclaimer

Not a Registered Investment Advisor

LiveOffMargin is not a registered investment advisor, broker-dealer, or financial planner. We do not provide personalized investment advice, manage client funds, or act in a fiduciary capacity.

Educational Purpose Only

All content, tools, recommendations, and data provided on this platform — including but not limited to the Deposit Optimizer, Payday Plan purchase suggestions, FIRE projections, Margin Safety Score, and strategy recommendations — are for informational and educational purposes only. Nothing on this platform constitutes a solicitation to buy or sell securities or a recommendation to follow any particular investment strategy.

Margin Risk

Margin trading carries significant risk. Borrowing against your securities can amplify both gains and losses. You may lose more than your original investment and may be subject to margin calls requiring immediate additional deposits. Margin trading is not suitable for all investors. Before using margin, you should carefully consider your financial situation, risk tolerance, and investment objectives.

Past Performance

Past performance does not guarantee future results. Dividend yields, stock prices, fund distributions, and investment returns can change at any time without notice. Historical data, projections, and backtested results shown on this platform should not be relied upon as indicators of future performance.

Algorithmic Limitations

The tools on this platform use algorithmic models and scoring systems based on historical data and mathematical formulas. These models have inherent limitations, may contain errors, and may not accurately reflect current or future market conditions. The Deposit Optimizer, FIRE projections, and Margin Safety Score are analytical tools, not investment recommendations.

Data Accuracy

Market data, stock quotes, dividend information, and other financial data displayed on the Service are sourced from third-party providers and may be delayed, incomplete, or inaccurate. We do not guarantee the accuracy, completeness, or timeliness of any data. Always verify data with your brokerage or an authoritative source.

Your Responsibility

You are solely responsible for your own investment decisions. Before making any investment, you should consider your financial situation, risk tolerance, and investment objectives, and consult with a qualified financial advisor, tax professional, or other appropriate professional.

By using this platform, you acknowledge that you have read and understood this disclaimer, that you accept full responsibility for your investment decisions, and that you will not hold LiveOffMargin or its operators liable for any losses incurred from the use of this platform.

Questions

If you have questions about this disclaimer, please reach out via our contact page.