BD INVESTING — FINANCIAL DISCLAIMER & CONFLICT OF INTEREST DISCLOSURE POLICY

Financial Disclaimer

1. Educational and Informational Purposes Only

All content published or distributed by BD Investing, including videos, livestreams, social media posts, market commentary, research, newsletters, courses, Discord discussions, personal trade disclosures, and other communications, is intended for general educational and informational purposes.

Our content is not personalized financial, investment, tax, or legal advice.

BD Investing does not assess individual financial circumstances, investment objectives, risk tolerance, or suitability before publishing general content.

Nothing published by BD Investing should be interpreted as a guarantee of investment performance or as a substitute for advice from an appropriately registered financial professional.

2. Regulatory Status

BD investing & Marketing inc. and its founder are not registered as investment advisers or dealers with the Ontario Securities Commission (OSC) or the Canadian Investment Regulatory Organization (CIRO).

BD Investing is an independent investing education and financial content business.

Purchasing a membership, watching our content, or participating in our community does not create an investment advisory, brokerage, discretionary portfolio management, or fiduciary relationship.

We do not claim that educational disclaimers exempt any activity from applicable securities laws.

3. Personal Stock Holdings and Financial Interests

BD Investing's founder, team members, contributors, or related parties may personally own, buy, sell, or otherwise have a financial interest in securities discussed in our content.

These interests may include:

Common shares and exchange-traded funds (ETFs).

Stock options, calls, puts, and other derivatives.

Long or short positions.

Securities held in personal, registered, or corporate investment accounts.

Other direct or indirect financial interests.

We may discuss securities that we currently own, previously owned, intend to purchase, intend to sell, or have never owned.

Discussing a stock does not necessarily mean BD Investing or its founder owns that stock.

Where required by applicable securities laws, we will clearly and prominently disclose relevant financial interests in connection with the specific security being discussed.

A general statement that we may own stocks is not a substitute for a required security-specific disclosure.

4. Personal Trading and Changes in Positions

BD Investing's founder and contributors may independently make investment decisions involving securities discussed in educational content.

Personal positions may change over time as a result of market conditions, portfolio management decisions, risk management, or changing investment opinions.

A position disclosed in an earlier video, livestream, article, or social media post may no longer be held when the content is viewed.

Where applicable law requires disclosure of a financial interest or conflict of interest, that disclosure will be made clearly and in a timely manner.

We will not knowingly use our content to manipulate securities prices, create misleading market activity, or conceal material conflicts of interest.

5. Personal Buy and Sell Disclosures

BD Investing may share information about its founder's personal investment activity, including purchases, sales, position adjustments, and portfolio changes.

These disclosures reflect personal investment decisions and are not instructions for members to copy or execute identical transactions.

Personal trades may involve different entry prices, position sizes, holding periods, financial circumstances, and risk tolerances.

Members should not assume that a disclosed trade remains open or that the same price or execution conditions are available.

Any paid personal trading disclosure service remains subject to applicable securities laws, including registration requirements where applicable.

6. Stock Videos, Social Media and Public Commentary

BD Investing publishes content on platforms that may include YouTube, Instagram, TikTok, X, Discord, and other media channels.

Content may feature individual stocks, ETFs, companies, industries, financial products, market trends, and economic developments.

A stock may be discussed because of its business model, news coverage, valuation, earnings, market activity, educational relevance, or other research considerations.

A company appearing in a video, thumbnail, caption, stock chart, or social media post does not automatically mean BD Investing owns, endorses, recommends, or is sponsored by that company.

We may express positive, negative, or neutral opinions about securities.

Opinions reflect the information and analysis available at the time of publication and may change without a separate public announcement.

Required position, compensation, and conflict disclosures will be provided in the relevant communication rather than relying solely on this general policy.

7. Sponsorships and Paid Partnerships

BD Investing may receive compensation from third-party companies for advertising, sponsorships, brand partnerships, promotional campaigns, educational collaborations, or other commercial arrangements.

Compensation may include:

Fixed sponsorship payments.

Payments for sponsored videos or posts.

Advertising or campaign fees.

Free products, services, or subscriptions.

Non-cash benefits or incentives.

Other financial or commercial consideration.

Sponsored content will be identified clearly where required by law.

A paid partnership does not automatically mean that BD Investing or its founder personally owns securities issued by the sponsoring company.

Where sponsorships create relevant financial interests or conflicts, we will disclose those relationships clearly, prominently, and in accordance with applicable requirements.

8. Affiliate Links, Referral Fees and Commissions

BD Investing may participate in affiliate or referral programs with financial platforms, brokerages, technology companies, investment product providers, and other businesses.

We may receive compensation when individuals use our links, register for services, open accounts, purchase products, or complete qualifying activities.

Compensation may be fixed, recurring, performance-based, or linked to qualifying referrals or customer activity.

Where required, we will disclose the existence and nature of these financial relationships near the relevant content or promotional link.

Affiliate compensation creates a potential conflict of interest because BD Investing may financially benefit from a viewer's decision to use a promoted service.

Viewers are encouraged to independently assess any product or service before registering or making a purchase.

9. Compensation From Securities Issuers

If BD Investing receives compensation or another benefit from a company or its representatives to promote that company's securities, the relationship will be evaluated under applicable securities laws.

Where legally required, disclosures will identify the relevant issuer, the nature of the promotional arrangement, the compensation or benefit received, and the party receiving it.

BD Investing will not knowingly conceal issuer-paid promotions or present paid securities promotions as independent, uncompensated research.

Any promotional arrangement requiring registration, additional disclosure, or other regulatory compliance must satisfy those requirements before the activity proceeds.

10. Conflicts of Interest

Potential conflicts of interest may arise when BD Investing, its founder, contributors, sponsors, or affiliates have financial or commercial interests connected to content being published.

Examples include:

Holding securities discussed positively or negatively.

Receiving compensation from a company discussed in content.

Receiving affiliate or referral commissions.

Holding options or other positions affected by changes in a security's price.

Receiving free products, services, or other benefits.

Maintaining commercial relationships with financial platforms.

We aim to identify, assess, disclose, and appropriately address material conflicts of interest.

Where a conflict cannot be appropriately managed or the activity cannot lawfully proceed, BD Investing may decline, modify, or discontinue the relevant activity.

11. No Guaranteed Investment Returns

BD Investing does not guarantee investment profits, trading success, portfolio growth, or specific financial outcomes.

All investing and trading involves risk, including the potential loss of some or all invested capital.

Options, leveraged investments, speculative securities, and other complex products may involve substantial risks, including losses exceeding the initial investment in certain circumstances.

Any price targets, forecasts, return estimates, or future scenarios are uncertain and should not be interpreted as guaranteed outcomes.

12. Portfolio Performance and Historical Results

BD Investing may publish personal portfolio values, investment returns, trading results, historical performance, or investment milestones.

These figures may reflect specific accounts, periods, strategies, or calculation methods and may not represent every account or transaction.

Where performance information is presented, we aim to provide sufficient context to avoid misleading comparisons.

Historical results may be affected by deposits, withdrawals, currency movements, dividends, fees, taxes, and the calculation method used.

Past performance does not guarantee future results.

Hypothetical returns, backtests, and simulations are not equivalent to verified live trading performance.

13. Market Research, Price Targets and Forecasts

Market research, stock analysis, valuation models, earnings expectations, economic projections, and price targets are based on assumptions and available information.

Actual results may differ significantly from forecasts.

Research may contain errors, outdated information, incomplete data, or assumptions that subsequently prove incorrect.

BD Investing does not guarantee that every published analysis will be updated when new information becomes available.

Viewers should verify important information through company filings, official disclosures, and other reliable sources.

14. Artificial Intelligence and Automated Tools

BD Investing may use or provide AI-powered research tools, analytical software, trading-related technology, or automated systems.

AI-generated outputs may be inaccurate, incomplete, outdated, or unsuitable for particular market conditions.

Backtests and simulated performance do not guarantee real-world results.

Unless expressly disclosed otherwise, these tools are intended for educational and analytical purposes.

BD Investing does not provide discretionary account management or copy trading services.

Users remain responsible for understanding the functionality, risks, and permissions of any tools they choose to use.

15. Third-Party Contributors and Community Commentary

BD Investing may feature guest speakers, moderators, independent contributors, community members, and third-party research.

Their views may differ from those of BD Investing or its founder.

Unless expressly stated otherwise, opinions expressed by third parties are their own.

Third-party contributors may hold financial interests in securities they discuss.

Applicable disclosure and securities law requirements remain relevant to their participation.

16. No Custody or Management of Customer Investments

BD Investing does not accept customer funds for the purpose of investing or trading on their behalf.

We do not take custody of customer brokerage accounts or investment assets.

We do not offer discretionary portfolio management, guaranteed investment programs, or copy trading services.

Members remain responsible for their own brokerage accounts, transactions, and investment decisions.

17. Market Manipulation and Misleading Promotions

BD Investing does not authorize the use of its content, services, or communities to engage in market manipulation, fraudulent trading activity, or misleading securities promotions.

Prohibited conduct includes deliberately spreading false information, coordinating deceptive promotional activity, and using undisclosed financial interests to mislead investors.

BD Investing may restrict community participation or remove content where reasonably necessary to address suspected misconduct.

18. Accuracy, Timing and Content Changes

Market information can change rapidly.

Content may become outdated after publication due to changes in stock prices, earnings results, economic conditions, company announcements, or personal investment positions.

BD Investing does not guarantee continuous monitoring or updating of previously published material.

Information should be evaluated in the context of its original publication date.

19. Independent Investment Decisions

All viewers, subscribers, and community members are responsible for making their own investment decisions.

Before purchasing or selling a security, individuals should consider their financial circumstances, investment objectives, risk tolerance, and available information.

Individuals seeking personalized investment advice should consult an appropriately registered financial professional.

20. Limitation of Liability

To the extent permitted by applicable law, BD Investing is not responsible for investment losses arising from independent decisions made in reliance on general educational content or market commentary.

Nothing in this policy excludes liability for fraud, misleading statements, violations of securities laws, or other liability that cannot legally be excluded.

This policy does not override any mandatory investor or consumer protection rights.

21. Regulatory Compliance

BD Investing intends to conduct its educational, marketing, sponsorship, and financial content activities in accordance with applicable Canadian laws and regulatory requirements.

These may include requirements administered by the Ontario Securities Commission, other members of the Canadian Securities Administrators, and the Canadian Investment Regulatory Organization where applicable.

This policy does not represent regulatory approval, endorsement, registration, or confirmation of compliance by any securities regulator.

22. Changes to This Policy

BD Investing may update this policy to reflect changes in its services, commercial relationships, regulatory obligations, or business practices.

Updated versions will be published on our website with the applicable effective date.

23. Contact Information

For questions about this Financial Disclaimer & Conflict of Interest Disclosure Policy, contact:

BD Investing
Legal Entity: BD investing & Marketing inc.
Website: https://bdinvesting.org
Email: [email protected]