Earnings Claims and Risk Disclosure

Last Updated: September 21, 2026

This disclosure applies to Invest with Matt LLC and all of its brands, programs, and channels, including Invest with Matt and Smart Money Income, and to its owners, officers, employees, contractors, affiliates, licensors, service providers, and agents (together, "Invest with Matt," "we," "us," or "our"). It applies to every product and communication we provide, including websites, videos, YouTube channels, social media, emails and newsletters, courses, rulebooks, calculators, trade alerts, smart money data alerts, Discord and Whop communities, live and recorded calls, onboarding calls, portfolio reviews, paper trading programs, and sales conversations.

Education Only, Not Advice

Invest with Matt LLC is an educational publisher. We are not a registered investment adviser, broker-dealer, or financial planner, and we do not provide personalized investment, tax, accounting, or legal advice. All content is general and impersonal and is provided for informational and educational purposes only. Any strategy, rule, example, alert, or discussion of a specific security is provided to illustrate concepts and is not a recommendation to buy, sell, or hold anything. This includes any conversation with Matt, including one-on-one calls and reviews of your existing holdings, which are educational exercises in applying our published rules. Consult qualified, licensed professionals before making any financial decision.

No Guarantees or Promises

We make no guarantee, promise, or representation that you will earn any income, achieve any return, avoid any loss, or obtain any particular result by using our content or strategies. Any phrase in our marketing that describes an outcome, such as income, consistency, getting paid to wait, confidence, or a lifetime of income, describes the goal of an educational process and is not a guarantee. Your results depend on many factors outside our control, including your capital, experience, judgment, discipline, time, brokerage terms, and market conditions. Investing and trading, including options trading, involves substantial risk, and you can lose money, including more than you expected.

Options and Strategy Risk

Selling cash-secured puts obligates you to buy shares at the strike price if assigned, even if the market price is far lower, and those shares may keep falling. Covered calls limit your upside. Options can expire worthless and may be illiquid. Position sizing rules, cash allocation rules, market and stage filters, checklists, and indicators reduce some risks and eliminate none. Quality companies can decline for long periods, and "leading" sectors can stop leading. Nothing in our content should be read as a prediction that any stock will recover, rise, or reach new highs.

Smart Money Data

Information about institutional holdings, corporate insider purchases, congressional trade disclosures, unusual options activity, and dark pool activity is drawn from public filings and third-party data and is presented as general information only. It is delayed, may be incomplete or inaccurate, and does not reveal intent. It is not a signal to trade, and copying any disclosed trade can result in loss. References to any public person, including members of Congress, are references to public records only and imply no affiliation, endorsement, or wrongdoing. We do not possess or share material non-public information.

Hypothetical, Paper, and Per-Trade Illustrations

Model portfolios, paper trading results, calculator outputs, and per-trade dollar illustrations at various account sizes are hypothetical. Hypothetical results have inherent limitations: they do not reflect actual trading, do not include commissions, fees, slippage, taxes, or liquidity constraints, and do not reflect the effect of real financial risk on decisions. No representation is made that any account will achieve results similar to those shown. A figure shown for one trade describes that trade only and must never be extrapolated into a monthly, annual, or portfolio return.

Actual Trades, Alerts, and Track Record

Disclosures of Matt's own trades, proof account updates, and past alerts are shared for transparency and education. Past performance does not indicate future results. Past alerts and calls shown in marketing are selected examples and are not a complete record of every alert issued; where a selection method is stated, it describes how the examples were chosen. Losing trades and unsuccessful alerts occur and are part of any track record. Matt may hold, buy, or sell any security discussed at any time.

Testimonials and Reviews

Testimonials, reviews, member interviews, and case studies reflect the individual experiences of the people who gave them and are not typical. Some reviews shown for Smart Money Income come from members of Invest with Matt, our other program, and are labeled as such. Results vary widely, many members do not achieve similar results, and some lose money. No testimonial is a promise or guarantee of your results.

Forward-Looking Statements

Our content may include statements about future markets, sectors, companies, or performance. Words such as anticipate, expect, believe, project, plan, target, and similar terms identify forward-looking statements. They are opinions based on assumptions, are not guarantees, and actual results may differ materially.

Program Fees Are Not an Investment

Fees paid for any program, membership, or service are payment for educational content and access. They are not an investment, are not deposited or traded on your behalf, and no return on those fees is promised or implied.

Your Responsibility

Use of any information, tool, alert, or strategy is at your own risk. You are solely responsible for your own research, your own due diligence, and every decision in your own accounts. We make no warranties, express or implied, about the effectiveness or accuracy of any content and are not responsible for errors or omissions.

Limitation of Liability

To the fullest extent permitted by law, Invest with Matt LLC is not liable for any trading or investment losses or for any indirect, incidental, special, or consequential damages, including lost income or profits. Our total liability will not exceed the amount you paid for the relevant service.

Contact

Invest with Matt LLC

418 Broadway STE Y

Albany, NY 12207

Email: contact@investingwithmatt.com