Financial Disclaimer

Last updated • April 19 2025

1. Educational Purpose—Not Investment Advice

JMA Financial News (JMA INFO) is not a registered investment adviser, broker-dealer, commodity trading advisor, tax professional, or law firm. All material is general and impersonal and is provided solely for educational and informational purposes. It must not be construed as personalized financial, legal, or tax advice. You alone decide what, when, and how to trade or invest.

2. SEC Compliance (Publisher’s Exemption)

Under §202(a)(11)(D) of the Investment Advisers Act of 1940, bona fide publishers that provide disinterested, regular, and impersonal market commentary may operate without registering as investment advisers, provided no individualized advice is given. Accordingly, JMA INFO does not:

• Tailor recommendations to any subscriber’s portfolio or objectives;

• Accept power-of-attorney or place trades for subscribers;

• Receive compensation contingent on subscriber profits.

3. CFTC & NFA Disclosures for Futures, Options & Crypto Derivatives

Trading futures, options, or crypto derivatives involves substantial risk and is unsuitable for every investor. Hypothetical or back-tested results have inherent limitations and do not represent actual trading. As required by CFTC Regulation 4.41, any simulated-performance examples will display the prescribed cautionary language.

4. Past Performance & Forward-Looking Statements

Historical returns, model portfolios, or market outlooks do not guarantee future results. Forward-looking statements reflect opinions as of the publication date and are subject to change without notice.

5. Crypto-Asset Risk Notice

Digital assets are highly volatile, subject to limited regulation, possible forks, cybersecurity threats, and evolving legal frameworks. Regulatory treatment may change without warning, affecting prices and liquidity materially.

6. FTC Advertising, Affiliate Links & Earnings Claims

We may receive cash or non-cash compensation when you purchase products or services through outbound links. Such links will be identified as affiliate links per the FTC Endorsement Guides. Earnings or performance examples are atypical and should not be relied upon when making financial decisions.

7. Email & SMS Communications—CAN-SPAM & FCC TCPA

• Email: All commercial email complies with the CAN-SPAM Act; each message will include our physical address and an opt-out link.

• SMS / Text: If you opt‑in to text alerts, you grant “prior express written consent” under the FCC’s Telephone Consumer Protection Act. You may revoke consent at any time by replying STOP.

8. No Fiduciary Duty

Our relationship is strictly that of publisher–subscriber. Nothing herein establishes a fiduciary, advisory, or agency relationship.

9. Accuracy of Information

Content is provided on an “as is” basis. While sources are believed reliable, we make no warranty—express or implied—regarding accuracy, completeness, or timeliness. We are not liable for any loss arising from reliance on published information.

10. User Responsibilities

You are responsible for:

1. Conducting your due diligence and seeking professional counsel;

2. Confirming that any product or strategy fits your objectives, risk tolerance, tax situation, and legal constraints;

3. Complying with all applicable laws and regulations in your jurisdiction.

11. Indemnification & Limitation of Liability

To the maximum extent permitted by law, you agree to indemnify JMA INFO, its owners, and employees against any liabilities or expenses arising from your service use. In no event shall aggregate liability exceed the subscription fees paid in the preceding twelve months.

12. Governing Law & Venue

These Terms are governed by the laws of the State of Florida without regard to conflict-of-law principles. Exclusive jurisdiction for any dispute lies in the state or federal courts in Flagler County, Florida.

13. Modifications

We may amend these Terms at any time. Updated versions will be posted on our website and take effect immediately upon publication.

14. Contact

Questions, complaints, or opt-out requests: contact(@) jmafinancialnews.com

Mail: JMA Media Group, LLC, 7901 4th Street North #23372, St. Petersburg, FL 33702