Disclosure & Disclaimer

Pearl Tech Inc. is currently operating a waitlist for our upcoming AI-powered wealth management platform. No financial services, automated investing, money transfers, or account management features are currently active. By joining our waitlist, you are expressing interest in being notified when our services become available. The descriptions, features, and capabilities discussed on this Site represent planned functionality and may change significantly before launch. Nothing on this Site should be construed as a promise, guarantee, or commitment regarding final product features, pricing, or availability.

Pearl Tech Inc. provides this Site exclusively for general informational, educational, and illustrative purposes. No content within the Site constitutes or shall be construed as financial, investment, legal, accounting, tax, or other professional advice, recommendation, or solicitation of any kind. Pearl Tech Inc. is not currently registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities authority, and it does not currently provide investment advisory services. Any future advisory services will be subject to appropriate regulatory registration and compliance. The Site's content—including descriptions of AI capabilities, automated wealth management features, portfolio illustrations, and projected outcomes—are purely illustrative and hypothetical. They are not intended to guide actual investment decisions and should not be relied upon as a substitute for personalized advice from a qualified, licensed professional.

Pearl's planned AI wealth management platform will employ artificial intelligence, machine learning models, and automated decision-making to help manage your finances through your own connected accounts. Users should understand the following limitations: AI models are trained on historical data and patterns that may not predict future market conditions or personal circumstances. Automated financial decisions, while designed to optimize outcomes, cannot guarantee any specific results. Algorithm performance is inherently limited by the quality and completeness of available data. AI systems may encounter edge cases, unusual market conditions, or personal situations they are not designed to handle optimally. Pearl Tech Inc. does not guarantee the accuracy, completeness, or reliability of any AI-generated analysis, recommendation, or automated action. All AI outputs should be reviewed and understood by users before being acted upon.

All investments involve risks, including, but not limited to: Market volatility and economic fluctuations that can cause rapid changes in asset values. Potential loss of principal—you may lose some or all of the money you invest. Interest rate risk, inflation risk, and currency risk. Risks specific to certain asset classes, sectors, or investment strategies. Liquidity risk—you may not be able to sell investments when you want to. Technology and operational risks associated with automated systems. Pearl does not warrant any specific outcomes or guarantee any return on investment. Any charts, projections, or performance illustrations displayed are hypothetical in nature and should not be considered predictive or reliable indicators of actual performance. Past performance does not guarantee future results. You acknowledge and accept full responsibility for evaluating any investment or financial decision and agree that you will not rely solely on Pearl's AI or automation for such decisions.

Use of this Site or joining the waitlist does not create, and shall not be construed as creating, any fiduciary, advisory, or client-professional relationship between you and Pearl Tech Inc. or its affiliates, officers, directors, employees, or agents. Pearl Tech Inc. expressly disclaims any fiduciary obligations or duties at this time. You remain solely responsible for any investment or financial decisions, and Pearl Tech Inc. disclaims any responsibility for their consequences. If and when Pearl Tech Inc. launches regulated financial services, appropriate disclosures regarding any fiduciary duties will be provided at that time.

Pearl's planned services will involve connecting to your existing financial accounts through secure, regulated third-party services (such as Plaid or similar providers). Users should understand: Pearl Tech Inc. does not directly access, store, or control your banking credentials. Account connections are facilitated through regulated third-party aggregation services. Pearl Tech Inc. is not responsible for the security, availability, or performance of third-party services. Users are responsible for reviewing and agreeing to the terms of any third-party services they connect. Any automated actions on your accounts (when available) will require explicit user authorization and will be subject to the terms and limitations of your financial institutions.

To the maximum extent permitted by applicable law, Pearl Tech Inc., its affiliates, and their respective officers, directors, employees, agents, licensors, and service providers ("Released Parties") disclaim all liability for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including, without limitation, loss of profits, data, or business opportunities, arising from or related to: Your access to, use of, or reliance on the Site or its content. Any information, projections, or illustrations provided on the Site. Delays, interruptions, or changes to planned services or features. Market movements, external events, or third-party interruptions. Errors, omissions, or inaccuracies in information. You agree to fully release, indemnify, defend, and hold harmless the Released Parties from and against any and all claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site.

Pearl Tech Inc. is committed to full compliance with all applicable financial regulations. Users should understand: Investment advisory services, if offered, will only be provided after appropriate SEC and/or state registration. Money movement and transfer features will comply with all applicable banking and money transmission regulations. The platform will implement required Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures before enabling financial transactions. Feature availability may vary by jurisdiction based on regulatory requirements. Pearl Tech Inc. reserves the right to modify, delay, or restrict service offerings based on regulatory requirements or guidance.

This Site and Pearl's planned services are intended solely for use by individuals located in the United States. Pearl Tech Inc. makes no representations that the Site or its content is appropriate or available for use in other jurisdictions. Users accessing this Site from outside the United States do so at their own initiative and are responsible for compliance with local laws.

This Site contains forward-looking statements regarding Pearl's planned features, capabilities, and services. These statements are based on current expectations and assumptions and are subject to risks, uncertainties, and changes that could cause actual results to differ materially. Forward-looking statements should not be relied upon as predictions of future performance or availability. Pearl Tech Inc. undertakes no obligation to update forward-looking statements to reflect changed circumstances.

This Disclosure & Disclaimer, and any dispute or claim arising therefrom, shall be governed by and construed in accordance with the laws of the State of Delaware, excluding its conflict-of-law principles. You agree that any legal action shall be subject to the exclusive jurisdiction of the state and federal courts located within the State of Delaware.