Risk Disclosure

1. Educational-Only Platform

Pips Learn is an educational community for sharing and discussing trading ideas. Nothing on this platform constitutes financial, investment, tax, or legal advice. We are not a broker or licensed financial service provider under the Financial Advisory and Intermediary Services Act (FAIS) or similar regimes.

2. High-Risk Instruments

Trading financial instruments (including but not limited to Forex, CFDs, futures, options, cryptocurrencies, and leveraged products) carries a high level of risk and may not be suitable for all investors. You could lose some or all of your capital. Leverage can amplify losses as well as gains. Only trade with money you can afford to lose.

3. Market Risks & Execution Risks

• Volatility, gaps, and slippage may cause orders to fill at worse prices.
• Liquidity can be poor during news, off-hours, or stress events.
• Latency, outages, and technical failures can delay or prevent execution.
• Use of third-party tools, indicators, or data may introduce errors or delays.

4. Hypothetical & Backtested Performance

Any performance figures, backtests, forward tests, or hypothetical results shared by users are illustrative only. They have inherent limitations and do not reflect real trading conditions (slippage, liquidity, psychology, costs). Past performance is not indicative of future results.

5. User-Generated Content

Posts and comments are the opinions of individual users. Pips Learn does not endorse, verify, or guarantee the accuracy or completeness of user content. You must independently verify information before acting on it.

6. No Personalized Advice

Educational discussions on Pips Learn are general and not tailored to your financial situation, risk tolerance, or objectives. For personalized advice, consult a licensed financial professional.

7. Conflicts of Interest & Position Disclosure

Users may hold positions in instruments discussed. A poster's interests may conflict with yours. Users are encouraged to disclose whether their trades are live or simulated and whether they currently hold a position.

8. Data, Charts & Price Feeds

Market data (quotes, charts, indicators) may be delayed, inaccurate, or interrupted. We do not guarantee data timeliness, accuracy, or availability. Do not rely solely on platform data to make trading decisions.

9. Costs & Taxes

Trading involves costs (spreads, commissions, financing/rollover, exchange fees) and may have tax implications. You are responsible for understanding and paying applicable fees and taxes.

10. Technology & Security

Despite reasonable safeguards, no system is 100% secure or available at all times. Outages, cyber incidents, and force-majeure events can occur. Pips Learn is not liable for losses due to such events.

11. Regulatory Notice (SA & Global)

• South Africa: Pips Learn operates as an educational platform and does not provide advice or intermediary services under FAIS. Users must not offer unlicensed advisory, paid signals, or portfolio management.
• International: Laws differ by country. You are responsible for complying with laws in your jurisdiction, including restrictions on solicitation, promotion, and derivatives trading.

12. Your Responsibilities

• Assess whether trading is appropriate for your experience and finances.
• Set risk limits, use protective stops, and size positions prudently.
• Independently verify information and do your own research.
• Seek licensed, professional advice where needed.

13. Limitation of Liability

To the fullest extent permitted by law, Pips Learn and its team are not liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising from reliance on platform content, tools, or interruptions in service.

14. Contact

Questions about this Risk Disclosure:
📩 pipsuniversity.academy@gmail.com