Disclaimer

Updated: September 18, 2025

HumanomicsX Media, Disclaimer

Please Read Carefully

These disclaimers (“Disclaimer”) are between HumanomicsX Media and its successors (collectively, “Company”, “we”, “our”, and “us”) and you and your employees, agents, contractors and any other entity on whose behalf you access or use the Services (collectively, “you” and “your”), and govern your access to and/or use of our website located at https://humanomicsx.com and any other websites, products, or services that Company has now or acquires in the future, including without limitation any content, newsletters, downloads, audio recordings, videos, and/or any other materials (such websites, products and services are hereinafter collectively referred to as the “Services”). If you do not agree with this Disclaimer, you shall not use the Services.

YOU ACCEPT THESE TERMS BY USING THE SERVICES, YOU ACKNOWLEDGE AND AGREE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THESE TERMS, AND TO THE COLLECTION AND USE OF YOUR INFORMATION AS SET FORTH IN OUR PRIVACY NOTICE SET FORTH AT https://humanomicsx.com/privacy-policy/ (“PRIVACY NOTICE”), AS WELL AS ALL OTHER APPLICABLE RULES OR POLICIES, TERMS AND CONDITIONS, DISCLAIMER, COOKIES POLICY, REFUND POLICY OR AGREEMENTS THAT ARE OR MAY BE ESTABLISHED BY COMPANY FROM TIME TO TIME, AND THE FOREGOING SHALL BE INCORPORATED HEREIN BY REFERENCE. IF AN INDIVIDUAL IS AGREEING TO THESE TERMS ON BEHALF OF A LEGAL ENTITY, SUCH INDIVIDUAL REPRESENTS THAT THE INDIVIDUAL HAS THE LEGAL AUTHORITY TO BIND SUCH ENTITY. IF YOU DO NOT AGREE TO THESE TERMS, YOU SHALL NOT USE THE SERVICES.

ARBITRATION NOTICE: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION CLAUSE BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND COMPANY WILL BE RESOLVED BY MANDATORY BINDING ARBITRATION AND YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS-ACTION LAWSUIT AND/OR CLASS-WIDE ARBITRATION.

1. OVERVIEW

Company curates and creates comprehensive financial education content to provide insights on personal finance, investing strategies, economic analysis, and geopolitical developments affecting wealth building and financial decision-making. The Services include evergreen blog posts covering personal finance fundamentals, investment strategies, economic trends, and geopolitical commentary, alongside weekly newsletters analyzing market developments, policy shifts, global events, and other factors impacting personal wealth accumulation, including Federal Reserve actions, political decisions, global conflicts, company earnings reports, and financial statement analyses.

Company offers two primary service tiers: free content and premium services. The free tier provides access to blog posts and weekly newsletters with advertisements. Premium services include ad-free access and exclusive content, such as stock picks, investment recommendations, asset allocation strategies, portfolio rebalancing guidance, undervalued company analyses, comprehensive market research, and other advanced financial insights delivered through premium PDFs, newsletters, and research papers.

By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by all applicable terms, disclaimers, policies, and agreements established by Company, including without limitation the Privacy Notice, Terms & Conditions, Disclaimer, Cookies Policy, and Refund Policy. If you are accepting these terms on behalf of a legal entity, you represent that you have the authority to bind that entity. If you do not agree with these terms, you must not access or use the Services.

If you elect to sign up for premium services, you authorize Company to charge your selected payment method in advance or on a recurring basis. All fees are nonrefundable and exclusive of applicable taxes. Company reserves the right to refuse service, cancel subscriptions, modify content, or restrict access to Services at its sole discretion. You are responsible for complying with all applicable laws, securing necessary internet access, ensuring proper use by all users of your connection, and immediately reporting any unauthorized access or security breaches.

2. LEGAL NOTICE

By accessing and/or using our Services, you acknowledge that you have read, understood, and agree to be bound by our Privacy Policy, Terms and Conditions, Cookie Policy, Disclaimer, and Refund Policy (collectively, our "Legal Documents"), and you consent to any personal information we may obtain about you being collected, stored, and/or otherwise processed in accordance with all applicable Legal Documents.

3. PURPOSE OF CONTENT

The content provided through HumanomicsX Media, including but not limited to blog posts, newsletters, PDFs, research reports, and any other materials or communications made available through the Services (collectively, “Content”), is intended solely for educational and informational purposes. HumanomicsX Media (“Company”, “we”, “our”, or “us”) curates and creates such Content to provide insights on personal finance, investing strategies, economic trends, and geopolitical developments that may impact wealth building and financial decision-making.

The Content is not personalized financial, investment, tax, or legal advice, and no portion of the Content should be considered a recommendation or solicitation to buy, sell, or hold any security, asset, or investment product. Users (“you” or “your”) acknowledge that reliance on the Content is at your own risk and that you are responsible for conducting independent research, seeking professional advice as appropriate, and making all financial decisions in your sole discretion.

By accessing or using the Content, you agree and acknowledge that HumanomicsX Media does not guarantee the accuracy, completeness, timeliness, or applicability of the Content for your specific circumstances, and you accept all responsibility for any actions or decisions based on the Content.

4. ACCURACY & COMPLETENESS

HumanomicsX Media (“Company”, “we”, “our”, or “us”) makes reasonable efforts to provide Content that is current, accurate, and reliable. However, Company does not guarantee that the Content is free from errors, omissions, or outdated information.

You acknowledge that market conditions, economic factors, and financial data can change rapidly. Company does not assume responsibility for updating or correcting Content after publication. You are responsible for independently verifying any information before using it in making financial, investment, or business decisions.

5. RISK ACKNOWLEDGMENT

BY USING THE SERVICES, YOU UNDERSTAND AND ACCEPT THAT ALL FINANCIAL, INVESTMENT, AND ECONOMIC ACTIVITIES INVOLVE RISK. PAST PERFORMANCE, EXAMPLES, AND CASE STUDIES PROVIDED BY COMPANY ARE NOT GUARANTEES OF FUTURE RESULTS.

YOU ACKNOWLEDGE THAT ANY DECISIONS YOU MAKE BASED ON OUR CONTENT, WHETHER FREE OR PREMIUM, ARE MADE AT YOUR OWN RISK. COMPANY DOES NOT ASSUME RESPONSIBILITY FOR LOSSES, DAMAGES, OR OTHER NEGATIVE OUTCOMES THAT MAY RESULT FROM YOUR USE OF THE CONTENT OR RELIANCE ON ANY INFORMATION PROVIDED.

YOU AGREE TO EXERCISE INDEPENDENT JUDGMENT AND SEEK PROFESSIONAL ADVICE AS NEEDED BEFORE MAKING FINANCIAL OR INVESTMENT DECISIONS.

6. EARNINGS AND FINANCIAL RESULTS

ALL EXAMPLES, ILLUSTRATIONS, CASE STUDIES, AND DISCUSSIONS OF COMPANY, MARKET, OR INDIVIDUAL FINANCIAL RESULTS PROVIDED THROUGH THE SERVICES ARE FOR EDUCATIONAL AND ILLUSTRATIVE PURPOSES ONLY. THESE EXAMPLES DO NOT CONSTITUTE GUARANTEES, PROMISES, OR PREDICTIONS OF ACTUAL OR FUTURE FINANCIAL PERFORMANCE.

YOU UNDERSTAND THAT PAST OR SIMULATED PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. COMPANY DOES NOT WARRANT, GUARANTEE, OR ASSUME RESPONSIBILITY FOR THE ACCURACY, COMPLETENESS, OR OUTCOME OF ANY FINANCIAL DATA OR RESULTS PRESENTED.

YOU ARE SOLELY RESPONSIBLE FOR ANY DECISIONS MADE BASED ON SUCH INFORMATION, AND YOU SHOULD INDEPENDENTLY VERIFY DATA AND SEEK PROFESSIONAL ADVICE BEFORE TAKING ANY ACTION.

7. THIRD-PARTY CONTENT, LINKED SITES, THIRD-PARTY PRODUCTS

a. Third-Party Content. Company may provide access to content provided by third parties, including, without limitation, information, dialogue, opinions, stories, advice, statistical data, text, software, music, sound, photographs, graphics, video, messages, and other materials, whether publicly or privately posted to or emailed or otherwise transmitted through the Services (“Third-Party Content”). The third party from whom or which any such Third-Party Content originates is solely responsible for it and Company assumes no responsibility to verify, has no control or influence over, makes no representations regarding, and does not guarantee the accuracy, integrity, or quality of any Third-Party Content. Accordingly, Company does not control or endorse such Third-Party Content and has no liability of any kind to you or any third party for any Third-Party Content. Statements of opinion and commentary in Third-Party Content are those of the third party and not necessarily those of Company.

b. Linked Sites. Company may, from time to time, include hyperlinks (“Link(s)”) to other websites operated and maintained by third parties. Such Links are provided for reference and convenience only. Company does not control and is not responsible for the contents, availability, or policies of any website or application accessed via a Link. Company has made no attempt to verify any information contained in any such Links. Furthermore, Company is not a party to or responsible for any access, use, or transactions you may engage in with third parties, even if you learn of such parties from Company. If you click on Links, you do so at your own risk and you acknowledge and agree that Company is not liable for any claims and/or damage related thereto. We encourage you to be aware when leaving the Services and to read the terms and conditions and privacy policy of each Link that is visited. Company reserves the right to terminate any Link at any time in its sole and absolute discretion. Company disclaims all warranties, express and implied, as to the accuracy, validity, and legality and/or otherwise of any materials and/or information contained on such Links.

c. Third-Party Products. There may be third-party products, services, software, and/or social networks (collectively “Third-Party Products”) integrated into the Services. Please be aware that Company is not affiliated with any Third-Party Products or the companies or providers that own or control such Third-Party Products. You agree to release Company and such third-party providers from any liability related to your use of any Third-Party Products or any costs or charges related to such Third-Party Products. In order to use any Third-Party Products, you may be required to agree to that company’s terms and conditions and/or privacy policy. You agree to comply with the foregoing when using the Services. Where you decide to use such Third-Party Products, Company is not a party to any contracts created between you and the provider of such Third-Party Product. Company is not responsible or liable, indirectly or directly, for any damage or loss caused or alleged to be caused by or in connection with any Third-Party Products.

8. GOVERNING LAW & VENUE

These Disclaimer shall be governed by, construed, and enforced in accordance with the substantive laws of the State of Dubai, without regard to its conflict of laws principles. Subject to Section 18 above, the parties further agree that any cause of action arising under these Terms shall take place exclusively in the courts situated in Dubai, UAE, and the parties hereby submit to the venue of the courts situated therein. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

9. UPDATES TO DISCLAIMER

a. Changes. Company may update these Disclaimer in its sole discretion, at any time, in whole or in part. If Company makes changes and/or modifications that impact your use of and/or access to the Services, we will post notice of the change and/or modification and change the “Updated” date set forth above. You agree that your continued use of the Services following changes and/or modifications will constitute acceptance of such changes and/or modifications. We may also provide you with additional forms of notice as appropriate under the circumstances. If you do not agree to the changes, you shall not use the Services after the effective date of the changes and/or modifications. Please revisit these Disclaimer regularly to ensure that you stay informed of any changes and/or modifications.

b. Additional Disclaimer. Company also reserves the right to post, from time to time, additional rules of usage that apply to specific parts of the Services, which may be posted in the relevant portion of the Services. Your continued use of the Services constitutes your agreement to such additional rules.

10. LIMITATION OF LIABILITY

YOUR ACCESS TO AND USE OF THE SERVICES IS AT YOUR OWN RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, HUMANOMICSX MEDIA AND ITS REPRESENTATIVES SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR ACCESS TO OR USE OF THE SERVICES, YOUR INABILITY TO ACCESS THE SERVICES, OR THE CONTENT, DATA, OR LINKS PROVIDED THROUGH THE SERVICES. THIS INCLUDES, WITHOUT LIMITATION, DAMAGES RESULTING FROM LOSS OF USE, DATA, OR PROFITS, WHETHER OR NOT FORESEEABLE, REGARDLESS OF THE LEGAL THEORY OR FORM OF ACTION, INCLUDING CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY, STRICT LIABILITY, OR ANY OTHER THEORY.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE LIMITATIONS SET FORTH HEREIN MAY NOT APPLY TO YOU. IN SUCH CASES, LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

BY USING THE SERVICES, YOU AGREE TO RELEASE HUMANOMICSX MEDIA AND ITS REPRESENTATIVES FROM ANY AND ALL CLAIMS, DEMANDS, AND DAMAGES OF ANY KIND, WHETHER KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, DISCLOSED OR UNDISCLOSED, ARISING OUT OF OR IN ANY WAY RELATED TO YOUR USE OF THE SERVICES OR THE INFORMATION PROVIDED THEREIN.

FOR CALIFORNIA RESIDENTS: YOU HEREBY WAIVE THE PROVISIONS OF CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN, MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.” RESIDENTS OF OTHER JURISDICTIONS WITH SIMILAR STATUTES OR COMMON LAW PRINCIPLES WAIVE THOSE RIGHTS TO THE MAXIMUM EXTENT PERMITTED.

11. CONTACT US

If you would like to request additional information regarding these Disclaimers or if you have feedback about our Services, please contact us at hello@humanomicsx.com.