Sterling Stock Picker – Risk Disclosure and Disclaimer

1. Purpose and Scope

This Risk Disclosure and Disclaimer (“Disclosure”) applies to all products, features, services, communications, and content provided by Sterling Stock Picker (“SSP,” “we,” “us,” “our”). This includes, without limitation:

1. The Sterling Stock Picker website, desktop portal, and mobile application;
2. All stock screening tools, Northstar ratings, Portfolio Assistant, indicators, alerts, watchlists, cost basis entries, portfolio tracking tools, and notifications;
3. Educational courses, lessons, and materials;
4. The Stock Forum, livestream events, livestream chats, livestream replays, and community-driven features;
5. Email communications, newsletters, notifications, and customer support interactions;
6. Finley AI (“Finley”), SSP’s artificial intelligence financial coach;
7. Any commentary, statements, or communications by Jaden Sterling, SSP staff, affiliates, or other users.

By accessing or using SSP in any manner, you acknowledge, understand, and agree to the terms of this Disclosure.

2. No Investment Advice

2.1 SSP is not a registered investment advisor, broker-dealer, financial analyst, fiduciary, or financial planner under U.S., Canadian, or international securities laws.

2.2 All information, tools, indicators, and communications provided by SSP are for educational and entertainment purposes only.

2.3 Nothing provided by SSP should be construed as:

1. Personalized financial advice;
2. A recommendation to buy, sell, or hold securities;
3. A solicitation to engage in trading strategies;
4. An endorsement of any particular investment.

2.4 Users are solely responsible for their investment decisions.

3. Community Content, Forums, and Livestreams

3.1 SSP provides community features such as the Stock Forum and livestream chats where users may exchange information.

3.2 All user-generated content, commentary from Jaden Sterling, SSP staff, or affiliates (whether in forums, livestreams, replays, or otherwise) represents opinions only.

3.3 SSP does not review, verify, endorse, or guarantee the accuracy or reliability of such content.

3.4 Users assume full responsibility for actions taken based on community or livestream discussions.

4. Tools, Features, and Indicators

4.1 Northstar Ratings, Portfolio Assistant, and Screeners

Algorithmically generated outputs are for illustration only.

Ratings and indicators may change without notice.

Such outputs do not constitute advice or recommendations.

4.2 Cost Basis, Portfolio, and Watchlists

Tools are designed for display and recordkeeping.

Accuracy depends on user input; SSP is not responsible for errors in data entry or interpretation.

4.3 Educational Materials

Courses and lessons reflect general financial concepts.

They do not consider your individual financial situation, objectives, or risk tolerance.

5. Data Accuracy and Limitations

5.1 SSP uses third-party data providers.

5.2 SSP does not warrant accuracy, timeliness, or completeness of data and disclaims liability for:

1. Delays, outages, or interruptions;
2. Errors, omissions, or inaccuracies;
3. Reliance on incomplete or outdated information.

5.3 All data is provided “as is” without warranties of any kind.

6. Notifications, Emails, and Communications

6.1 Notifications, alerts, and emails are informational only.

6.2 They may be delayed, incomplete, or inaccurate.

6.3 Users must not rely on such communications for investment decisions.

7. Finley AI – “Your Personal AI Financial Coach”

7.1 Nature of Finley AI

Finley is an artificial intelligence assistant that generates natural language outputs, including commentary on stocks, sectors, portfolio management, and risk assessment.

7.2 No Financial Advice

Finley’s outputs are educational and entertainment only.

Terms like “recommendation,” “advice,” or “strategy” are non-binding and illustrative.

Finley does not consider your full financial circumstances, tax position, or objectives.

7.3 AI Outputs

Generated dynamically and may contain errors, omissions, or outdated information.

SSP does not guarantee the accuracy, timeliness, or completeness of Finley’s responses.

7.4 Portfolio Analysis and Risk Scores

Finley’s “Risk Number system” or portfolio insights are not recognized financial standards.

They should not be used as a substitute for professional financial advice.

7.5 User Responsibility

You agree not to rely on Finley’s outputs for actual financial decisions.

You assume all risks for actions taken based on Finley’s responses.

7.6 Limitation of Liability

SSP disclaims liability for reliance on Finley’s commentary, outputs, or suggestions.

No advisory relationship exists between users and SSP/Finley.

8. User Responsibility

8.1 Users must conduct independent research and consult licensed professionals before making decisions.

8.2 Users accept that securities involve risk, including loss of principal.

8.3 Users agree to assume full responsibility for trades and investments made in connection with SSP.

9. Limitation of Liability

9.1 SSP shall not be liable for:

1. Direct, indirect, incidental, consequential, or punitive damages;
2. Financial losses or lost profits;
3. Damages resulting from reliance on SSP outputs, including but not limited to:

A. Indicators, ratings, and portfolio tools;
B. Forum posts and livestream content;
C. Finley AI outputs;
D. Notifications, alerts, or emails;
E. Data inaccuracies or outages.

9.2 SSP’s liability, if any, shall not exceed the amount paid by the user for access.

10. Indemnification

Users agree to indemnify and hold harmless SSP, its affiliates, employees, contractors, representatives, and AI systems (including Finley) from claims, damages, or liabilities arising from:

1. Reliance on SSP outputs;
2. Participation in community features;
3. Interaction with Finley AI;
4. Violation of this Disclosure.

11. Governing Law

This Disclosure is governed by the laws of the State of Idaho, United States, with exclusive jurisdiction in the state and federal courts located in Boise, Idaho. Users consent to the jurisdiction of courts in these regions

12. Closing Statement

Sterling Stock Picker is designed to educate, entertain, and encourage community sharing. It is not a source of financial advice. By using SSP and Finley AI, you confirm that you:

1. Understand SSP’s limitations;
2. Will not rely on SSP or Finley for financial advice;
3. Assume full responsibility for your investment actions;
4. Release SSP from liability related to use of the platform.

We are grateful to have you as part of the Sterling Stock Picker community. Use SSP to learn and explore — but always consult licensed professionals for actual investment decisions.

Terms & Conditions

The following Terms and Conditions govern and apply to your use of or reliance upon this website maintained by SSP Software LLC (the "Website").

Your access or use of the Website indicates that you have read, understand and agree to be bound by these Terms and Conditions and any other applicable laws, statutes and/or regulations. We may change these Terms and Conditions at any time without notice, effective upon its posting to the Website. Your continued use of the Website will be considered your acceptance to the revised Terms and Conditions.

1. INTELLECTUAL PROPERTY

All intellectual property on the Website (except for User Generated Content, as defined below) is owned by us or our licensors, which includes materials protected by copyright, trademark, or patent laws. All trademarks, service marks and trade names are owned, registered and/or licensed by us. All content on the Website (except for User Generated Content, as defined below), including but not limited to text, software, code, designs, graphics, photos, sounds, music, videos, applications, interactive features and all other content is a collective work under Canadian and other copyright laws and is the proprietary property of the Company; All rights reserved.

2. USE OF COMPANY MATERIALS

We may provide you with certain information as a result of your use of the Website including, but not limited to, documentation, data, or information developed by us, and other materials which may assist in the use of the Website or Services ("Company Materials"). The Company Materials may not be used for any other purpose than the use of this Website and the services offered on the Website. Nothing in these Terms of Use may be interpreted as granting any license of intellectual property rights to you.

3. USER GENERATED CONTENT

"User Generated Content" is communications, materials, information, data, opinions, photos, profiles, messages, notes, website links, text information, music, videos, designs, graphics, sounds, and any other content that you and/or other Website users post or otherwise make available on or through the Website, except to the extent the content is owned by us.

4. ACCOUNT AND ACCOUNT USE

If your use of the Website requires an account identifying you as a user of the Website (an "Account"):

1. you are solely responsible for your Account and the maintenance, confidentiality and security of your Account and all passwords related to your Account, and any and all activities that occur under your Account, including all activities of any persons who gain access to your Account with or without your permission;
2. you agree to immediately notify us of any unauthorized use of your Account, any service provided through your Account or any password related to your Account, or any other breach of security with respect to your Account or any service provided through it, and you agree to provide assistance to us, as requested, to stop or remedy any breach of security related to your Account, and
3. you agree to provide true, current, accurate and complete customer information as requested by us from time to time and you agree to promptly notify us of any changes to this information as required to keep such information held by us current, complete and accurate.

5. PAYMENT

When you make a purchase on the Website, you agree to provide a valid instrument to make a payment. Pay attention to the details of the transaction, as your total price may include taxes, fees, and shipping costs, all of which you are responsible for. When you provide a payment instrument to us, you confirm that you are permitted to use that payment instrument. When you make a payment, you authorize us (and our designated payment processor) to charge the full amount to the payment instrument you designate for the transaction. You also authorize us to collect and store that funding instrument, along with other related transaction information. If you pay by credit or debit card, we may obtain a pre-approval from the issuer of the card for an amount as high as the full price. If you cancel a transaction before completion, this pre-approval may result in those funds not otherwise being immediately available to you. We may cancel any transaction if we believe the transaction violates these Terms, or if we believe doing so may prevent financial loss. In order to prevent financial loss to you or to us, we may contact your funding instrument issuer, law enforcement, or affected third parties (including other users) and share details of any payments you are associated with, if we believe doing so may prevent financial loss or a violation of law. Payment for any on-going services is billed automatically until notification that you would like to terminate your access to the services.

6. SALE OF GOODS AND SERVICES

We may sell goods or services or allow third parties to sell goods or services on the Website. We undertake to be as accurate as possible with all information regarding the goods and services, including product descriptions and images. However, we do not guarantee the accuracy or reliability of any product information and you acknowledge and agree that you purchase such products at your own risk. If you are unhappy with a service being sold on our Website, you may request a refund.

7. ACCEPTABLE USE

You further agree not to use and/or access the Website:

1. To harass, abuse, or threaten others or otherwise violate any person's legal rights;
2. To violate any intellectual property rights of us or any third party;
3. To upload or otherwise disseminate any computer viruses or other software that may damage the property of another;
4. To perpetrate any fraud;
5. To engage in or create any unlawful gambling, sweepstakes, or pyramid scheme;
6. To publish or distribute any obscene or defamatory material;
7. To publish or distribute any material that incites violence, hate or discrimination towards any group;
8. To unlawfully gather information about others.

8. PROTECTION OF PRIVACY

Through your use of the Website, you may provide us with certain information. By using the Website, you authorize us to use your information in Canada and any other country where We may operate. When you register for an account, you provide us with a valid email address and may provide us with additional information, such as your name and/or billing information. Depending on how you use our Website, we may also receive information from external applications you use to access our Website, or we may receive information through various web technologies, such as cookies, log files, clear gifs, web beacons or others. We use the information gathered from you to ensure your continued good experience on our website, including through email communication. We may also track certain of the passive information received to improve our marketing and analytics, and for this, we may work with third-party providers. If you would like to disable our access to any passive information we receive from the use of various technologies, you may choose to disable cookies in your web browser. Please be aware that we will still receive information about you that you have provided, such as your email address.

9. ASSUMPTION OF RISK

The Website is provided for communication purposes only. You acknowledge and agree that any information posted on our Website is not intended to be legal advice, medical advice, or financial advice, and no fiduciary relationship has been created between you and SSP Software LLC. You further agree that your purchase of any of the products on the Website is at your own risk. We do not assume responsibility or liability for any advice or other information given on the Website.

10. REVERSE ENGINEERING & SECURITY

You may not undertake any of the following actions:

1. Reverse engineer, or attempt to reverse engineer or disassemble any code or software from or on the Website;
2. Violate the security of the Website through any unauthorized access, circumvention of encryption or other security tools, data mining or interference to any host, user or network.;

11. DATA LOSS

We are not responsible for the security of your Account or Content. Your use of the Website is at your own risk.

12. INDEMNIFICATION

You defend and indemnify SSP Software LLC and any of its affiliates and hold us harmless against any and all legal claims and demands, including reasonable attorney's fees, which may arise from or relate to your use or misuse of the Website, your breach of these Terms and Conditions, or your conduct or actions. We will select our own legal counsel and may participate in our own defence, if we wish to so.

13. SPAM POLICY

You are strictly prohibited from using the Website or any of our services for illegal spam activities, including gathering email addresses and personal information from others or sending any mass commercial emails.

14. THIRD-PARTY LINKS & CONTENT

We may occasionally post links to third party websites or other services. We are not responsible or liable for any loss or damage caused as a result of your use of any third party services linked to from our Website.

15. VARIATION

To the extent any part or sub-part of these Terms and Conditions is held ineffective or invalid by any court of law, the prior, effective version of these Terms and Conditions be considered enforceable and valid to the fullest extent.

16. SERVICE INTERRUPTIONS

We may need to interrupt your access to the Website to perform maintenance or emergency services on a scheduled or unscheduled basis. You agree that your access to the Website may be affected by unanticipated or unscheduled downtime, for any reason, but that the we will have no liability for any damage or loss caused as a result of such downtime.

17. TERMINATION OF ACCOUNT

We may, in our sole discretion, suspend, restrict or terminate your Account and your use of the Website, effective at any time, without notice to you, for any reason, including because the operation or efficiency of the Website or our or any third party's equipment or network is impaired by your use of the Website, any amount is past due from you to us, we have received a third party complaint which relates to your use or misuse of the Website, or you have been or are in breach of any term or condition of these Terms and Conditions. We will have no responsibility to notify any third party, including any third party providers of services, merchandise or information, of any suspension, restriction or termination of your access to the Website.

18. NO WARRANTIES

Your use of the Website is at your sole and exclusive risk and any services provided by us are on an "as is" basis. We disclaim any and all express or implied warranties of any kind, including, but not limited to the implied warranty of fitness for a particular purpose and the implied warranty of merchantability. We make no warranties that the Website will meet your needs or that the Website will be uninterrupted, error-free, or secure. We also make no warranties as to the reliability or accuracy of any information on the Website or obtained through the Services. Any damage that may occur to you, through your computer system, or as a result of loss of your data from your use of the Website is your sole responsibility and we are not liable for any such damage or loss.

19. PRIVACY

Internet communications are subject to interception, loss or alteration and, as consequence, you acknowledge that information or data you provide by electronic means by accessing or using this Website are not confidential or exclusive, except to the extent required by the applicable laws, and that communications by email may be intercepted, altered or lost. For more information, please refer to our Privacy Policy, which you may find at the following address: sterlingstockpicker.com/privacy-policy.

20. LIMITATION ON LIABILITY

We are not liable for any damages that may occur to you as a result of your use of the Website, to the fullest extent permitted by law. The maximum liability of SSP Software LLC arising from your use of the Website is limited to the greater of one hundred ($100) Canadian Dollars or the amount you paid to SSP Software LLC in the last six (6) months. This applies to any and all claims by you, including, but not limited to, lost profits or revenues, consequential or punitive damages, negligence, strict liability, fraud, or torts of any kind.

21. GOVERNING LAW