Pearl Tech Inc.

TABLE OF CONTENTS

1. No Investment Advice or Solicitation

Pearl Tech Inc. provides this application ("App") exclusively for general informational, educational, and illustrative purposes. No content within the App constitutes or shall be construed as financial, investment, legal, accounting, tax, or other professional advice, recommendation, or solicitation of any kind.

Pearl Tech Inc. is not registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities authority, and it does not provide investment advisory services.

The App's features—including quizzes, goal-setting tools, hypothetical or model-based portfolio allocations (e.g., "$400/month to Retirement," "$400/month to First Home"), historical backtests, and AI-generated strategies—are purely illustrative and not intended to guide actual investment decisions. No content shall be relied upon as a substitute for personalized advice from a qualified, licensed professional.

2. Use of Artificial Intelligence & Model Limitations

The App employs artificial intelligence, machine learning models, and historical or simulated data to generate illustrative strategies. These outputs are not based on current market conditions or personalized user data beyond general inputs, and no assurance is given that such models are accurate, complete, or error-free.

Outputs are generated based on predefined models and limited user inputs. Pearl Tech Inc. does not verify the accuracy of user-submitted data or third-party datasets incorporated into models. All outputs are subject to assumptions and simplifications that may not reflect real-world outcomes.

Pearl Tech Inc. does not endorse or recommend any particular investment strategy, portfolio allocation, or financial product, whether generated by AI or otherwise.

Past performance, including simulated or backtested results, is not indicative of future results. The performance of any hypothetical or AI-driven strategy is inherently limited and subject to risks of assumptions, data inaccuracies, and unanticipated market variables.

3. Investment Risks & No Guarantees

All investments involve risks, including, but not limited to, market volatility, economic fluctuation, and potential loss of principal. The App does not warrant any specific outcomes or guarantee any return on investment. Any charts or projections displayed are hypothetical in nature and should not be considered predictive or reliable indicators of actual performance.

You acknowledge and accept full responsibility for evaluating any investment or financial decision and agree that you will not rely on the App for such decisions.

4. No Fiduciary Relationship or Client Engagement

Use of the App does not create, and shall not be construed as creating, any fiduciary, advisory, or client-professional relationship between you and Pearl Tech Inc. or its affiliates, officers, directors, employees, or agents.

Pearl Tech Inc. expressly disclaims any fiduciary obligations or duties. You remain solely responsible for any investment or financial decisions, and Pearl Tech Inc. disclaims any responsibility for their consequences. Pearl Tech Inc. is under no obligation to update, correct, or revise any content provided in the App.

5. Limitation of Liability

To the maximum extent permitted by applicable law, Pearl Tech Inc., its affiliates, and their respective officers, directors, employees, agents, licensors, and service providers ("Released Parties") disclaim all liability for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including, without limitation, loss of profits, data, or business opportunities, arising from or related to your access to, use of, or reliance on the App or its content.

You agree to fully release, indemnify, defend, and hold harmless the Released Parties from and against any and all claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the App, including your breach of these terms.

6. Third-Party Data & Links

The App may reference or incorporate data, content, or materials from third-party sources believed to be reliable; however, such data has not been independently verified by Pearl Tech Inc.. No warranties or representations are made regarding the accuracy, completeness, or timeliness of third-party data.

Any third-party websites, links, or services referenced are provided solely for convenience. Pearl Tech Inc. does not endorse or assume responsibility for the accuracy, availability, or legality of external content.

7. Geographic & Regulatory Limitations

This App is intended solely for use by individuals located in the United States. Pearl Tech Inc. makes no representations that the App or its content is appropriate or available for use in other jurisdictions.

Any forward-looking statements, including projected outcomes or hypothetical results, are inherently uncertain and subject to risks, including market volatility, regulatory changes, and assumptions used in the models.

8. Governing Law

This Disclosure & Disclaimer, and any dispute or claim arising therefrom, shall be governed by and construed in accordance with the laws of the State of Delaware, excluding its conflict-of-law principles. You agree that any legal action shall be subject to the exclusive jurisdiction of the state and federal courts located within the State of Delaware.

9. Contact Information

For questions or concerns regarding this App or this Disclosure, you may contact us at [email protected].

10. Acceptance of Terms