Risk Disclaimer

1. Not Investment Advice

Premiumly is an analytics and trade-tracking platform. Nothing on this website, within the Premiumly application, or in any communications from Premiumly constitutes investment advice, financial advice, trading advice, legal advice, or any other form of professional advice.

All content — including position health scores, probability of profit calculations, AI-generated insights, rolling recommendations, and exit signals — is provided for informational and educational purposes only. These tools are designed to help you organize and understand your existing trades, not to tell you what to trade.

2. Options Trading Risks

Options trading carries unique and significant risks, including but not limited to:

• Total loss of premium: Options can expire worthless, resulting in the loss of the entire premium paid.
• Assignment risk: Sellers of covered calls may have shares called away. Sellers of cash-secured puts may be obligated to purchase shares at the strike price regardless of the current market value.
• Leverage risk: Options control large amounts of underlying stock with relatively small capital, amplifying both gains and losses.
• Volatility risk: Sharp or unexpected moves in implied volatility can significantly affect the value of options positions.
• Liquidity risk: Some options contracts may have wide bid-ask spreads or limited liquidity, making it difficult to exit positions at favorable prices.
• Early assignment: American-style options may be exercised early, particularly around ex-dividend dates.
• Gap risk: Stocks may gap significantly at open due to earnings, news events, or macroeconomic factors.

3. The Wheel Strategy — Specific Risks

The Wheel Strategy (selling Cash-Secured Puts and Covered Calls systematically) is presented on this platform for educational purposes. While often described as a conservative income strategy, it carries material risks:

• If the underlying stock declines significantly, you may be assigned shares at a price far above market value, resulting in substantial unrealized losses.
• Premium income does not fully offset large drawdowns in the underlying stock.
• The strategy is not suitable for highly volatile, speculative, or thinly traded stocks.
• Past premium yield is not indicative of future yield.

4. AI-Generated Insights

Premiumly uses AI models to generate position insights, risk flags, and analytical commentary. These outputs:

• Are generated automatically and have not been reviewed by a licensed financial professional.
• May contain errors, hallucinations, or outdated information.
• Should not be used as the sole basis for any trading decision.
• Are not a substitute for your own research, due diligence, or professional financial advice.

5. Data Accuracy

Market data, options prices, implied volatility figures, and other financial data displayed on Premiumly are sourced from third-party providers. We do not guarantee the accuracy, completeness, timeliness, or reliability of any data shown. Always verify data independently through your broker before making any trading decision.

6. Past Performance

Any performance data, annualized return calculations, or historical results shown on this platform are for illustrative purposes only. Past performance is not indicative of future results. Hypothetical or simulated performance results have inherent limitations and may not reflect actual trading results.

7. No Fiduciary Relationship

Your use of Premiumly does not create a fiduciary, advisory, or client relationship between you and Premiumly. We have no duty to act in your financial interest. You are solely responsible for all investment and trading decisions.

8. Regulatory Notice

Premiumly is not a registered investment advisor, broker-dealer, or financial planner. We are not registered with the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or any other regulatory body. The platform is a software tool, not a financial service.

Options involve risk and are not suitable for all investors. Before trading options, please read the Options Disclosure Document (ODD): Characteristics and Risks of Standardized Options, available from the Chicago Board Options Exchange at cboe.com or from your broker.

9. Seek Professional Advice

We strongly encourage all users to consult with a qualified, licensed financial advisor, tax professional, or attorney before making any investment decisions. Everyone's financial situation, tax circumstances, and risk tolerance is different.

10. Limitation of Liability

In no event shall Premiumly be liable for any trading losses, financial damages, or investment losses arising from your use of or reliance on any information provided by the platform. See our Terms of Service for the full limitation of liability provisions.

Contact

Questions about this disclaimer? Email us at legal@premiumly.ai.