Disclaimer

Version 2.0 — 01 September 2026 

1. Who we are and what this document covers

This Disclaimer is issued by INVESTUDIO LTD, a private company limited by shares incorporated in the Republic of Cyprus under registration number HE 362494, with its registered office at 18 Efskiou Pefki, 3110 Limassol, Cyprus (“INVESTUDIO”, “we”, “us”, “our”). It applies to the website https://investud.io, including its Ukrainian-language version, and to all information, materials and publications made available on it (the “Website”).

2. Regulatory status — important notice

INVESTUDIO LTD is not authorised or regulated by the Cyprus Securities and Exchange Commission (CySEC) or by any other financial services regulator, and does not hold any licence to provide investment services, to manage or market collective investment undertakings, or to provide investment advice. Nothing on this Website is provided in the course of a regulated activity.

The information on the Website, including the pages describing corporate, hedge, family and endowment fund structures, is provided for general informational and educational purposes only and does not constitute the provision, offering or marketing of any regulated service or product.

3. No advice

All content on the Website is of a general nature and does not address the circumstances of any particular individual or entity. Nothing on the Website constitutes, or should be construed as, legal, tax, accounting, investment, financial or other professional advice. You should obtain advice from your own qualified professional advisers before taking, or refraining from taking, any action based on anything published on the Website.

4. No offer, solicitation or recommendation

Nothing on the Website constitutes a solicitation, inducement, recommendation, endorsement or offer by INVESTUDIO to buy or sell any securities, commodities, digital assets or other financial instruments, in any jurisdiction, including any jurisdiction in which such solicitation or offer would be unlawful.

5. Information accuracy and no reliance

The information and materials on the Website may be changed, supplemented or removed at any time without notice. Part of the information is derived from publicly available sources and materials published by companies or filed with governmental agencies, which we believe to be reliable but which we have not independently verified. We make no representation or warranty, express or implied, as to the fairness, accuracy, completeness or correctness of any information on the Website, and no reliance should be placed on it. You alone are responsible for evaluating the merits and risks associated with the use of any information on the Website and for any conclusions you draw from it, and we encourage you to make your own independent investigations.

6. Investment risk warnings

Investing involves risk. Investing in securities and other assets — including shares, bonds, exchange-traded funds, mutual funds, money market instruments and digital assets — involves the risk of loss, including the possible loss of the entire principal invested. Some high-risk strategies use leverage, which magnifies both gains and losses. Investing in foreign markets involves additional risks, including greater volatility, political, economic and currency risks, and differences in accounting standards. Digital assets are highly volatile and may be subject to limited or no regulatory protection.

Past performance is not a reliable indicator of future results. No assurance can be given that any system, indicator or signal will generate profits or avoid losses. Do not enter into any investment without fully understanding its risks, including the worst-case scenario.

Hypothetical or simulated performance has inherent limitations: it is prepared with the benefit of hindsight and does not reflect actual trading or the impact of market factors. Unless expressly stated otherwise, return examples on the Website are hypothetical or simulated. We make no representation that any investor will, or is likely to, achieve results similar to those shown.

7. Forward-looking statements

The Website may contain statements regarding future events, expectations, projections, estimates or market developments. Such forward-looking statements are inherently uncertain, are based on assumptions current at the date of publication, and actual outcomes may differ materially from those expressed or implied. We undertake no obligation to update any forward-looking statement.

8. Use of artificial intelligence

Certain analytical and informational materials on the Website may be prepared or supported with the use of artificial-intelligence tools, subject to human review. Such materials may nevertheless contain inaccuracies and are provided for general information only; they do not constitute advice of any kind.

9. Third-party content and links

The Website may contain links to third-party websites, services or social-media pages (including LinkedIn and Facebook) and may embed third-party content. Such links are provided for convenience only. We do not control, endorse or assume responsibility for the content, accuracy, availability or privacy practices of any third-party resource. Access to third-party resources is at your own risk and subject to their own terms.

10. Limitation of liability

To the maximum extent permitted by applicable law, INVESTUDIO, the companies of its group and their respective directors, officers and employees shall not be liable for any loss or damage arising out of or in connection with your access to, use of, or reliance on the Website or its content, or from any decision you make based on the information made available on the Website.

Nothing in this Disclaimer excludes or limits liability for: (a) death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) wilful misconduct or gross negligence; or (d) any other liability which cannot be excluded or limited under applicable law. If you are a consumer, nothing in this Disclaimer affects your mandatory statutory rights.

11. Governing law and jurisdiction

This Disclaimer and any non-contractual matters arising from the use of the Website are governed by the laws of the Republic of Cyprus, and the courts of the Republic of Cyprus shall have jurisdiction over any related dispute. If you access the Website as a consumer, you retain the protection of the mandatory provisions of the law of the country in which you habitually reside, and nothing in this section deprives you of the right to bring or defend proceedings in that country where applicable law so provides.

12. Relationship with other documents

This Disclaimer should be read together with our Privacy Policy, our Cookie Policy and our Terms of Use, which incorporate this Disclaimer and give it contractual effect between you and INVESTUDIO.

13. Changes to this Disclaimer

We may amend this Disclaimer from time to time. The current version, its number and the date of the last update are always shown on this page.