General Disclaimer

NONE OF CLEVER INVESTOR, ITS OWNERS (EXPRESSLY INCLUDING BUT NOT LIMITED TO CODY SPERBER), OFFICERS, DIRECTORS,
EMPLOYEES, SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS AND AGENTS
(ALL COLLECTIVELY HEREINAFTER REFERRED TO AS “CLEVER) ARE FINANCIAL ADVISERS AND NOTHING CONTAINED
HEREIN IS INTENDED TO BE OR TO BE CONSTRUED AS FINANCIAL ADVICE.

CLEVER IS NOT AN INVESTMENT ADVISORY SERVICE, IS NOT AN INVESTMENT ADVISER, AND DOES NOT PROVIDE PERSONALIZED
FINANCIAL ADVICE OR ACT AS A FINANCIAL ADVISOR.

CLEVER EXISTS FOR EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS AND INFORMATION CONTAINED HEREIN ARE FOR
GENERAL INFORMATIONAL PURPOSES ONLY. NONE OF THE INFORMATION PROVIDED IN THE WEBSITE IS INTENDED AS
INVESTMENT, TAX, ACCOUNTING OR LEGAL ADVICE, AS AN OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL,
OR AS AN ENDORSEMENT, RECOMMENDATION OR SPONSORSHIP OF ANY COMPANY, SECURITY, OR FUND. THE INFORMATION ON THE
WEBSITE SHOULD NOT BE RELIED UPON FOR PURPOSES OF TRANSACTING CURRENCIES, COMMODITIES, SECURITIES OR
OTHER INVESTMENTS. ANY ACTIVITY PLACED UPON CLEVER INVESTOR’S EDUCATIONAL/INFORMATIONAL SITE IS OFFERED AT
THE USERS OWN RISK, AND FAILURE OF ANY PRODUCT/SYSTEMS HOLDS CLEVER INVESTOR HARMLESS.

YOU HEREBY UNDERSTAND AND AGREE THAT CLEVER DOES NOT OFFER OR PROVIDE TAX, LEGAL OR INVESTMENT ADVICE
AND THAT YOU ARE RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS BEFORE ACTING ON ANY
INFORMATION PROVIDED HEREIN. CLEVER’S PROGRAMS ARE NOT INTENDED AS A PROMOTION OF ANY PARTICULAR PRODUCTS
OR INVESTMENTS AND NEITHER CLEVER NOR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES OR REPRESENTATIVES,
IN ANY WAY RECOMMENDS OR ENDORSES ANY COMPANY, PRODUCT, INVESTMENT OR OPPORTUNITY WHICH MAY BE DISCUSSED HEREIN.

THE EDUCATION AND INFORMATION PRESENTED HEREIN IS INTENDED FOR A GENERAL AUDIENCE AND DOES NOT PURPORT TO BE,
NOR SHOULD IT BE CONSTRUED AS, SPECIFIC ADVICE TAILORED TO ANY INDIVIDUAL. YOU ARE ENCOURAGED TO DISCUSS
ANY OPPORTUNITIES WITH YOUR ATTORNEY, ACCOUNTANT, FINANCIAL PROFESSIONAL OR OTHER ADVISOR.

YOUR USE OF THE INFORMATION CONTAINED HEREIN IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED AS IS AND WITHOUT
WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. CLEVER DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT
LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR
NON-INFRINGEMENT. CLEVER DOES NOT PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR USE OF THE
INFORMATION CONTAINED HEREIN. CLEVER ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE
INFORMATION CONTAINED HEREIN. ANY ACTIVITY PLACED UPON CLEVER INVESTOR’S EDUCATIONAL/INFORMATIONAL SITE IS
OFFERED AT THE USERS OWN RISK, AND FAILURE OF ANY PRODUCT/SYSTEMS HOLDS CLEVER INVESTOR HARMLESS.

CLEVER WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL,
EXEMPLARY, OR OTHER DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING,
EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF CLEVER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT WILL THE COLLECTIVE LIABILITY OF CLEVER TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER
IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO CLEVER FOR THE
INFORMATION, PRODUCT OR SERVICE OUT OF WHICH LIABILITY AROSE. UNDER NO CIRCUMSTANCES WILL CLEVER BE LIABLE
FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON THE INFORMATION CONTAINED HEREIN. IT IS YOUR RESPONSIBILITY
TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT
CONTAINED HEREIN. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY
SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT. ANY ACTIVITY PLACED UPON CLEVER INVESTOR’S
EDUCATIONAL/INFORMATIONAL SITE IS OFFERED AT THE USERS OWN RISK, AND FAILURE OF ANY PRODUCT/SYSTEMS HOLDS
CLEVER INVESTOR HARMLESS.