Advice Disclaimer

Investment Advice Disclaimer

Effective Date: December 24, 2025
Last Updated: December 24, 2025
Version: 1.0

1. Educational Purpose Only

The Andreou Report (giannisandreou.com) provides educational content, market analysis, and courses about cryptocurrency, blockchain technology, and digital asset markets. All content is for educational and informational purposes only and does not constitute investment advice, financial advice, trading advice, or any other type of professional advice.

2. No Personalized Investment Advice

We do not provide personalized investment recommendations, portfolio management services, or advisory services tailored to your individual circumstances. Our content is directed at the general public and is not customized to any specific person's investment objectives, financial situation, risk tolerance, or particular needs.

No advisory, fiduciary, or professional-client relationship is created by accessing, reading, or using any content on this website or in our courses. We are not your financial advisors, and you should not rely on our content as a substitute for professional financial advice.

3. Cryptocurrency Investment Risks

WARNING: CRYPTOCURRENCY INVESTMENTS ARE HIGHLY SPECULATIVE AND VOLATILE.

Investing in cryptocurrencies, digital assets, and blockchain-related projects carries substantial risk, including but not limited to:

• Total Loss of Capital: You could lose some or all of your investment. Only invest money you can afford to lose completely.
• Extreme Volatility: Cryptocurrency prices can fluctuate dramatically in very short periods, leading to large and immediate financial losses.
• Regulatory Uncertainty: The regulatory framework for crypto-assets is rapidly evolving and may change without notice, potentially affecting the value and legality of your investments.
• Lack of Protection: Cryptocurrencies are not covered by investor compensation schemes, deposit guarantee schemes, or traditional financial protections.
• Technology Risks: Smart contract bugs, exchange hacks, wallet security failures, and blockchain vulnerabilities can result in permanent loss of assets.
• Liquidity Risks: Some crypto assets may have limited trading volumes, making it difficult to buy or sell at desired prices.
• Market Manipulation: Crypto markets may be subject to manipulation, fraud, and coordinated schemes that affect prices.

4. Past Performance Disclaimer

Past performance is not indicative of future results. Any historical returns, expected returns, or performance projections discussed in our content are not guarantees of future performance. Market conditions change constantly, and previous success does not predict future outcomes.

5. Do Your Own Research

Before making any investment decisions, you should:

• Conduct your own independent research and due diligence
• Consult with qualified financial advisors, tax professionals, and legal counsel
• Carefully consider your individual investment objectives, financial situation, and risk tolerance
• Read all available documentation, whitepapers, and official disclosures
• Understand the technology, team, and fundamentals of any project before investing

6. No Guarantees or Warranties

All content on The Andreou Report is provided "as is" without warranties of any kind, either express or implied, including but not limited to:

• Accuracy, completeness, or reliability of information
• Fitness for a particular purpose
• Non-infringement of third-party rights
• Merchantability or quality

While we strive to provide accurate and current information, we make no representations or warranties about the accuracy, reliability, completeness, or timeliness of any content. Information may contain errors, omissions, or become outdated.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, The Andreou Report, Giannis Andreou, and all associated parties shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from:

• Your use of or reliance on any content on this website or in our courses
• Any investment decisions you make based on information provided
• Any financial losses, damages, or claims resulting from cryptocurrency investments
• Errors, omissions, or inaccuracies in our content
• Interruptions, delays, or unavailability of our services
• Third-party actions, including exchange failures, regulatory actions, or market events

This limitation applies regardless of whether we have been advised of the possibility of such damages.

8. Indemnification

By using The Andreou Report, you agree to indemnify, defend, and hold harmless The Andreou Report, Giannis Andreou, and all associated parties from any claims, damages, losses, liabilities, costs, and expenses (including legal fees) arising from:

• Your use of our content or services
• Your investment decisions and trading activities
• Your violation of any laws or regulations
• Your violation of any third-party rights

9. Regulatory Status and Licensing

The Andreou Report is NOT:

• Registered with the U.S. Securities and Exchange Commission (SEC) as an investment adviser
• A member of the Financial Industry Regulatory Authority (FINRA)
• Licensed as a Financial Services Provider (FSP) with South Africa's Financial Sector Conduct Authority (FSCA)
• Registered with the UAE Securities and Commodities Authority (SCA)
• Licensed by the UAE Virtual Assets Regulatory Authority (VARA)
• Authorized by the Dubai Financial Services Authority (DFSA) or Abu Dhabi Global Market Financial Services Regulatory Authority (FSRA)
• Authorized under the EU's Markets in Financial Instruments Directive (MiFID II)
• Providing services requiring authorization under the EU's Markets in Crypto-Assets Regulation (MiCA)

We operate as a publisher of educational content and market analysis under applicable exemptions for general publication and educational materials.

10. Jurisdiction-Specific Notices

For United States Visitors:

Our content qualifies as general publication under the "publisher's exclusion" of the Investment Advisers Act of 1940, Section 202(a)(11)(D). We publish impersonal market analysis and educational content of general circulation, not personalized investment advice.

For European Union Visitors:

Our content does not constitute investment advice as defined under MiFID II. We provide general market information and educational materials, not personal recommendations based on individual circumstances. Crypto-assets mentioned are not covered by EU investor compensation schemes or deposit guarantee schemes under Directive 2014/49/EU.

For South African Visitors:

MANDATORY WARNING: Investing in crypto assets may result in the loss of capital.

Our content falls within the exemptions under Section 1(3)(a) of the Financial Advisory and Intermediary Services Act (FAIS). We provide objective information, analysis, and educational content without express or implied recommendations appropriate to particular investment objectives, financial situations, or needs of clients.

For UAE Visitors:

Our educational content explaining blockchain technology and cryptocurrency markets without promoting specific investments falls within the educational exemption under VARA Marketing Regulations 2024. We are not registered under the SCA Finfluencer licensing regime as we do not provide specific buy/sell/hold recommendations.

11. Third-Party Links and Affiliate Relationships

The Andreou Report may contain links to third-party websites, services, or products. We are not responsible for the content, accuracy, or practices of any third-party sites. Any transactions with third parties are solely between you and the third party.

Affiliate Disclosure: We may receive compensation for some links or mentions of products and services. This does not influence our analysis or educational content. Material connections are disclosed in accordance with FTC guidelines.

12. Market Data and Third-Party Information

Market data, prices, charts, and statistics are obtained from third-party sources we believe to be reliable. However, we cannot guarantee their accuracy, completeness, or timeliness. Real-time market data may be delayed or unavailable. Always verify important information with official sources.

13. Forward-Looking Statements

Our content may include forward-looking statements about market trends, project developments, or future events. These statements are based on current information and assumptions that may prove incorrect. Actual results may differ materially from any projections or expectations discussed.

14. No Promises of Results

We make no promises, guarantees, or representations regarding:

• Investment returns or profitability
• Learning outcomes from our courses
• Success in cryptocurrency trading or investing
• Future price movements of any asset
• Ability to achieve financial goals through our educational content

15. Course-Specific Disclaimer

Educational courses offered by The Andreou Report teach concepts, strategies, and analytical frameworks. They do not provide:

• Specific buy/sell recommendations
• Personalized investment strategies
• Portfolio management services
• Guaranteed trading profits
• Get-rich-quick schemes

Course content is current as of the recording date and may not reflect the latest market developments. Cryptocurrency markets evolve rapidly, and information can become outdated.

16. Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Changes become effective immediately upon posting. Your continued use of The Andreou Report after changes constitutes acceptance of the modified disclaimer. We will update the "Last Updated" date at the top of this page.

17. Severability

If any provision of this disclaimer is found to be invalid or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed, and the remaining provisions shall continue in full force and effect.

18. Contact Information

For questions about this disclaimer, please contact us through the contact information provided on our website.

Final Warning

CRYPTOCURRENCY INVESTMENTS ARE EXTREMELY RISKY. YOU COULD LOSE YOUR ENTIRE INVESTMENT. DO NOT INVEST MONEY YOU CANNOT AFFORD TO LOSE. ALWAYS DO YOUR OWN RESEARCH AND CONSULT QUALIFIED PROFESSIONALS BEFORE MAKING ANY INVESTMENT DECISIONS.

BY USING THE ANDREOU REPORT, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS DISCLAIMER.