Invest and Health (“the Company”) is a Brazilian enterprise that, amongst others, operates online educational platforms that provides information about investor tools, investment strategies, investment opportunities, and research-based financial education. The content provided on this platform, all social media channels, and on all other websites operated by the Company where this disclaimer is published or linked to is for informational purposes only and should not be considered as financial advice or a recommendation to engage in any investment activity. Nor is it intended to provide specific investment recommendations or strategies.

This financial and investment disclaimer applies to all communications made by the Company, and its representatives, including statements made by partners or collaborating third parties, be it verbal, written, or any other format related to the Company including but not limited to video. Notice that the latest published English version at InvestAndHealth.com is the governing version of the Company’s Financial and Investment Disclaimer.

By accessing any of the Company’s websites, social media, or other communication channels, such as, but not limited to, email, you agree to our conditions and this disclaimer, our Terms of Use, and any other disclaimer, notice, and terms published on InvestAndHealth.com - If you do not agree with these terms, you should refrain from using the Company’s websites, social media, or any other communication channels the Company may choose to use.

The educational information provided by the Company is intended to help users understand various investment concepts, investing strategies, and investor tools. It is important to note that this information is general in nature and may not be suitable for every individual’s specific financial situation or investment goals. Users are advised to conduct their own research and consult with a qualified financial advisor before making any investment decisions.

The Company, its representatives, and partners do not provide personalized financial advice or recommendations of investments, investing strategies, investor tools, or any other type of financial product or service. The information provided on this platform, any other websites, social media, or communication channels operated by the Company is not tailored to any individual’s financial circumstances, risk tolerance, or investment objectives. Users should independently evaluate their own financial situation and seek professional advice, as necessary.

All investments involve risks, and users should be aware of the potential risks associated with investing in any asset class, including but not limited to cryptocurrencies, stocks, real estate, and other alternative investments. The value of investments can fluctuate, and past performance is not indicative of future results. There are no guaranteed results in investing and all investments could potentially go to zero and any funds invested may be lost. The Company, its representatives, and collaborating partners do not guarantee the accuracy, completeness, or timeliness of any information provided, and shall not be held liable for any investment losses or any other form of damages or loss incurred based on reliance on such information.

Understand that some investments come with significantly higher risks than others. In general, the higher the potential returns are, the greater the risk. Cryptocurrencies are particularly high-risk investments, as it is commonly said that as much as 95 percent or more of crypto investments may eventually go to zero, something that could also happen overnight.

Make sure to make informed decisions and be aware that promises of quick returns and crypto influencers pumping certain cryptocurrencies and tokens may be defrauds or pump and dump schemes intended to line their own pockets while leaving you with a loss.

Crypto is still in its infancy and ripe with scams and fraudulent activity, as the traditional financial market used to be and to some degree still is, and your funds are typically never insured. The Company, its representatives, and partners do not recommend any crypto investments, but may provide information about some of the crypto strategies, tools, information channels, wallets, and tokens the Company based on its own research believes to be the best options in this volatile and risky financial space.

The Company operates in accordance with applicable Brazilian laws and regulations regarding the provision of educational information about investments. However, laws regarding securities may vary across different jurisdictions. Users are personally responsible for understanding and complying with the securities laws applicable in their jurisdiction when making investment decisions. In no case shall the Company be responsible for ensuring that the content available on this website, any of our other websites, social media, or other communication channels operated by the Company complies with all local laws and regulations in every country. If you are a legal representative or regulator and find that we are violating any laws or regulations with the content provided in good faith, please feel free to contact us with appropriate documentation for evaluation.

The Company, its representatives, or partners may have potential conflicts of interest due to their own investments in the stocks, real estate, cryptocurrencies, or other investment instruments mentioned on the Company’s websites, social media, or other communications channels such as, but not limited to, email. These investments could influence the information and analysis provided. It is important to consider this potential bias when reviewing content provided by the Company. The Company and its representatives do not endorse or recommend any such investment but may share information about why it or its representatives decided to make such investments. Remember, the Company’s financial goals are not your goals.

The Company may provide links or references to third-party websites, content, or services for informational purposes. The inclusion of such links does not imply endorsement or recommendation by the Company. Users should exercise caution and perform their own due diligence before engaging with any third-party content or services.

The Company, its representatives, and partners shall not be held liable for any direct or indirect damages, losses, or expenses arising from the use of or reliance on the information provided on this platform, social media, websites, or any other venues of communication the Company and its representatives or partners may engage in related to the Company. Users assume full responsibility for their investment decisions and agree to hold the Company and its representatives harmless from any claims or disputes arising from such decisions, without exception.

The Company reserves the right to modify or update this disclaimer at any time without prior notice. Users are encouraged to review this disclaimer periodically to stay informed about any changes.

Last updated: August 23, 2023