Risk Disclosure Statement

Peakwood Capital — February 2025

Investing in financial markets involves substantial risks. This Risk Disclosure Statement is intended to help you understand some of the key risks and limitations associated with the educational content and Services provided by Peakwood Capital (“Peakwood Capital,” “we,” “us,” or “our”). By accessing or using our Services, you acknowledge that you have read, understood, and agree to this Risk Disclosure Statement.

1. No Investment Is Guaranteed

All financial markets carry uncertainty and risk. Investing may result in:

loss of principal (partial or total loss of the amount you invest);
rapid and significant fluctuations in the value of your investments;
periods of high volatility and drawdowns; and
complete loss of value in individual securities or strategies.

There are no guaranteed returns in investing. Any statement or example that may be interpreted as a “target,” “goal,” or “projection” is inherently uncertain and should not be viewed as a promise or guarantee of future results.

2. Past Performance Does Not Predict Future Results

Any references to historical performance, including:

charts, tables, or backtests;
illustrative returns or sample portfolios; or
performance of individual securities or strategies in the past

are provided for informational and educational purposes only. Past performance is not indicative of, and does not guarantee, future performance. Market conditions change, and strategies or securities that have performed well in the past may perform poorly in the future.

3. Educational Content Only – No Personalized Advice

Peakwood Capital provides general financial education and investment-related information. Our content is not tailored to your individual circumstances and does not take into account your:

financial situation;
investment objectives;
risk tolerance;
tax considerations; or
time horizon or personal constraints.

Accordingly, Peakwood Capital does not:

provide personalized investment advice;
recommend any specific security, portfolio, or strategy as suitable for you personally;
provide tax, legal, or accounting advice; or
monitor your individual investments or make trades on your behalf.

Any decisions you make based on our content are made solely by you. You should carefully evaluate any information we provide and consider seeking guidance from a licensed financial advisor, tax professional, or attorney before making financial decisions.

4. Market and Investment Risks

Investments in securities and financial markets are subject to a variety of risks, including, but not limited to:

Market Risk: The value of investments may fluctuate due to general market conditions.
Volatility Risk: Prices of securities can change rapidly and unpredictably.
Economic and Political Risk: Economic recessions, inflation, policy changes, or geopolitical events may negatively affect investments.
Interest Rate Risk: Changes in interest rates can impact stock, bond, and other asset values.
Liquidity Risk: Certain securities may be difficult or impossible to sell quickly at a desirable price.
Sector/Company-Specific Risk: Individual companies or sectors can face unique challenges that lead to sharp price declines.
Currency and Foreign Exposure Risk: For investments with international exposure, exchange rate fluctuations and foreign market risks may apply.

These and other risks can cause the value of your investments to decline, sometimes suddenly and significantly, and may result in partial or total loss of your invested capital.

5. Leverage, Derivatives, and Complex Products

Some investors use leverage, margin, options, or other derivative instruments, as well as complex products such as leveraged or inverse exchange-traded funds (ETFs). These products can magnify both gains and losses and may be suitable only for experienced investors who fully understand the risks.

Peakwood Capital’s educational content may discuss such instruments or products at times. Any such discussion is for informational and educational purposes only and does not constitute a recommendation that you use leverage, trade options, or invest in complex products. These strategies can lead to rapid and substantial losses, including losses in excess of your initial capital in the case of margin or certain derivatives.

6. Your Responsibility for Investment Decisions

By using our Services, you acknowledge and agree that:

you are solely responsible for researching and evaluating any investment decision you choose to make;
you will not rely solely on any single source of information – including Peakwood Capital – when making investment decisions;
you understand and accept all risks associated with investing; and
you are responsible for determining whether any investment, strategy, or approach is appropriate for your financial situation and risk tolerance.

You agree that you will not hold Peakwood Capital, or any of its owners, employees, contributors, or affiliates, liable for any losses, damages, or claims that may arise from your investment decisions, actions, or inactions.

7. Not a Broker, Dealer, or Registered Investment Advisor

Peakwood Capital is not:

a broker or dealer;
a registered investment adviser (RIA);
a financial planning firm; or
a fiduciary with respect to your investments.

We do not:

execute trades on your behalf;
manage investment accounts or portfolios for you;
monitor your positions or provide ongoing personalized advice; or
make representations that any particular investment is appropriate for your circumstances.

Any investing, trading, or allocation decisions you make are your own responsibility and are executed through third-party financial institutions or brokers that are not affiliated with Peakwood Capital.

8. No Guarantee of Accuracy, Completeness, or Timeliness

While we strive to provide high-quality, well-researched educational content, we cannot guarantee that any information we publish is:

accurate, complete, or up-to-date;
free from errors, omissions, or misstatements; or
suitable for your specific needs or circumstances.

Markets, company fundamentals, and economic conditions can change quickly. Data and opinions expressed in our content may become outdated without notice. We do not undertake any obligation to update or correct information, except as may be required by law.

9. Independent Advice Is Recommended

Peakwood Capital strongly recommends that you consult with qualified professionals before making any financial decisions. These may include:

a licensed investment advisor or financial planner;
a certified public accountant or tax advisor; and
a licensed attorney for legal matters.

Only a professional who understands your specific financial situation, objectives, and constraints can provide truly personalized advice.

10. Relationship to Our Other Legal Documents

This Risk Disclosure Statement is intended to complement, and should be read together with:

our Terms of Use; and
our Privacy Policy; and
our Disclosure Policy.

In the event of any inconsistency between this Risk Disclosure Statement and other disclosures provided in our Services, this Statement should be read in conjunction with those documents so that the overall risk picture is clear. Nothing in this Statement limits any disclaimers or limitations of liability set forth in our Terms of Use.

11. Changes to This Risk Disclosure Statement

We may update or revise this Risk Disclosure Statement from time to time. When we do, we will update the “Last Updated” date at the top of this page. We encourage you to review this Statement regularly to remain informed about the risks associated with investing and with using our Services.

12. Contact Information

If you have questions about this Risk Disclosure Statement or about our Services generally, you may contact us at:

Peakwood Capital
Email: support@peakwoodcapital.com

This Risk Disclosure Statement is provided for informational purposes only and does not constitute legal, tax, or investment advice. You remain responsible for your own financial decisions and for seeking advice from qualified professionals as needed.