RISK DISCLOSURE STATEMENT

Investmentshk.com
Effective Date: 23 Feb 2026

1. Important Notice

This Risk Disclosure Statement applies to your use of Investmentshk.com (“Website”, “we”, “us”, “our”).

The Website provides portfolio tracking and calculation tools only. It does not provide investment advice or regulated financial services.

Before using the Website, you should carefully read and understand the risks described below.

If you do not understand any part of this statement, you should seek independent professional advice.

2. No Investment Advice

The Website:

  • Does not provide investment advice
  • Does not provide financial planning services
  • Does not provide asset management services
  • Is not licensed by the Securities and Futures Commission of Hong Kong
  • Does not recommend or endorse any securities or investments

All calculations and analytics are provided for informational and record-keeping purposes only.

You are solely responsible for your investment decisions.

3. Investment Risk

Investing involves risk. The value of investments may go up or down.

You may suffer partial or total loss of capital.

Past performance is not indicative of future performance.

Investments in different asset classes involve different levels of risk, including but not limited to:

  • Market risk
  • Credit risk
  • Interest rate risk
  • Liquidity risk
  • Currency risk
  • Inflation risk
  • Political and regulatory risk

You should carefully assess your own financial situation, risk tolerance, and investment objectives before making any investment decisions.

4. Accuracy of User-Entered Data

All portfolio data on the Website is based on information entered manually by users.

Risks include:

  • Incorrect transaction entries
  • Incorrect dividend records
  • Incorrect exchange rates
  • Omitted transactions
  • Data input errors

Performance calculations, portfolio allocation results, and income summaries depend entirely on the accuracy of user-entered data.

We do not verify, audit, or validate user-provided financial information.

Incorrect data input will produce incorrect performance calculations.

5. Calculation and Analytical Risk

The Website provides automated calculations including, but not limited to:

  • Total return
  • Unrealized and realized gains/losses
  • Dividend yield
  • Portfolio allocation
  • Currency conversion
  • Income summaries

These calculations:

  • May contain programming errors
  • May be based on simplified methodologies
  • May not reflect brokerage fees, taxes, slippage, or corporate actions
  • May not align with accounting or tax reporting standards

The Website does not guarantee the mathematical, financial, tax, or accounting accuracy of any calculation.

Users must independently verify results before relying on them for financial decisions.

6. Currency and Exchange Rate Risk

Where portfolios involve multiple currencies:

  • Exchange rate fluctuations may materially impact returns
  • Custom FX rates entered by users may not reflect actual market rates
  • Timing differences in FX conversions may affect performance results

Currency exposure may significantly increase investment risk.

7. Dividend and Income Risk

Dividend information recorded on the Website may:

  • Be incomplete
  • Exclude withholding taxes
  • Exclude transaction costs
  • Be subject to corporate changes

Dividend payments are not guaranteed.

Companies and funds may reduce, suspend, or eliminate dividends at any time.

8. System and Technology Risk

The Website operates via internet-based systems.

Risk include:

  • Service interruption
  • Server downtime
  • Data transmission delays
  • Cybersecurity threats
  • Unauthorized access
  • Data corruption

While reasonable security measures are implemented, no online system is completely secure.

Users assume the risks associated with internet-based services.

9. No Regulatory Protection

Because the Website does not provide regulated financial services:

  • Users are not protected under investor compensation schemes
  • The Website is not subject to regulatory supervision as a licensed intermediary
  • No regulatory authority guarantees the services provided

Users acknowledge and accept this risk.

10. Tax Risk

The Website does not provide tax advice.

Portfolio calculations may not reflect:

  • Tax liabilities
  • Capital gains tax
  • Dividend withholding tax
  • Stamp duty
  • Local or international tax regulations

Users should consult qualified tax professionals regarding tax matters.

11. Limitation of Liability

To the maximum extent permitted under the laws of Hong Kong:

Investmentshk.com shall not be liable for:

  • Any direct or indirect financial losses
  • Investment losses
  • Lost profits
  • Missed investment opportunities
  • Errors in performance calculations
  • Tax reporting inaccuracies
  • Currency conversion discrepancies
  • Data input errors

Use of the Website is entirely at your own risk.

12. Acknowledgment of Risk

By using the Website, you acknowledge that:

  • You understand the risks associated with investing
  • You understand the limitations of automated financial calculations
  • You accept responsibility for verifying all financial information
  • You assume all risks arising from use of the Website