Best examples of financial disclaimer examples for investment advice

Short, practical examples of financial disclaimer examples for investment advice

Let’s start with short, realistic language you could actually drop into a website or newsletter today. These are not theoretical; they mirror how real firms and creators protect themselves.

General website investment disclaimer example

“The information on this website is for informational purposes only and does not constitute financial, investment, tax, or legal advice. Nothing on this site is a recommendation to buy or sell any security or to adopt any investment strategy. You should consult a licensed financial professional before making any investment decisions. Investing involves risk, including the possible loss of principal.”

This is one of the best examples of financial disclaimer examples for investment advice because it does four things at once: defines the content as informational, rejects any personalized advice role, pushes users to a licensed professional, and flags the reality of loss.

Newsletter or Substack‑style disclaimer example

“The views expressed in this newsletter are personal opinions and are for educational purposes only. I am not acting as your financial advisor. I do not know your individual financial situation, objectives, or risk tolerance. You are responsible for your own investment decisions. Past performance discussed here is not a guarantee of future results.”

Here, the example of a disclaimer leans into the personal‑opinion angle, which is common for solo creators and analysts.

Longer examples of financial disclaimer examples for investment advice (websites & apps)

For a firm, app, or larger media property, you usually need longer, more structured language. Instead of a numbered list, think in sections that flow logically.

Example of a full‑page investment disclaimer for a finance blog

“This website provides general financial information and commentary and is intended for a broad audience. The content is published in the United States and is not directed to any person in any country or jurisdiction where such distribution would be contrary to local law or regulation.

The content on this site does not take into account your particular investment objectives, financial situation, or needs and is not intended as individualized investment advice. You should consider whether any information or recommendation is suitable for your circumstances and strongly consider seeking advice from a registered investment adviser or other qualified financial professional.

All investments involve risk, including the risk of loss of principal. The value of investments and the income from them can go down as well as up, and investors may not get back the amount originally invested. Past performance is not indicative of, and does not guarantee, future results.

The publishers of this website make no representations or warranties as to the accuracy, completeness, or timeliness of any information, and accept no liability for any loss or damage arising from reliance on the information provided.

References to specific securities, investment strategies, or markets are for illustrative purposes only and do not constitute a solicitation, offer, or recommendation to buy or sell any security or to adopt any investment strategy.”

This is one of the best examples of financial disclaimer examples for investment advice for a general site: it touches jurisdiction, suitability, risk, performance, and liability.

Example of a mobile investing app disclaimer (non‑advisory)

“The information, tools, and market data provided in this app are for informational and educational purposes only and do not constitute investment advice, a recommendation, or an offer to buy or sell any security. [App Name] is not a fiduciary and does not provide personalized investment advice.

Any estimates, projections, or hypothetical performance shown are for illustrative purposes only and do not reflect actual investment results. Actual outcomes may differ materially.

Securities trading involves risk, including the potential for total loss of invested capital. Before making any investment decision, you should consider whether you understand how the product works and whether you can afford to take the risk of loss. Consider seeking advice from a registered investment professional.”

Notice how this example of a disclaimer fits the app context: tools and data are emphasized, and the non‑fiduciary status is explicit.

In 2024–2025, a huge amount of investment content lives on TikTok, Instagram, X, and YouTube. Regulators have made it clear: the format doesn’t exempt you from responsibility. Short, pinned disclaimers can help.

YouTube channel description disclaimer example

“Videos on this channel are for educational and entertainment purposes only and do not constitute financial, investment, or trading advice. I am not a licensed financial advisor or broker. Do not make investment decisions based solely on the information provided in these videos. Always conduct your own research and consult with a licensed financial professional before investing.

Some links in the description may be affiliate links, which means I may earn a commission if you click or make a purchase. This does not influence my opinions, but you should assume I have a financial interest in products and services mentioned.”

This example of a social media disclaimer folds in conflict‑of‑interest language—something regulators pay increasing attention to.

Short TikTok / Instagram bio disclaimer example

“Not financial advice. For education only. I don’t know your situation—talk to a licensed pro before investing.”

Is it perfect? No. But as a real example, it’s short enough to fit character limits and still signals that the creator is not your advisor.

Niche‑specific examples: crypto, AI tools, and newsletters

Regulators have been especially vocal about risk disclosures around crypto, complex products, and AI‑driven tools. Strong examples of financial disclaimer examples for investment advice in these areas can reduce misunderstandings.

Crypto and digital asset disclaimer example

“Content related to cryptocurrencies, tokens, and other digital assets is provided for informational and educational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any asset.

Digital assets are highly volatile and involve a high degree of risk, including the risk of total loss. They may not be regulated in your jurisdiction and may be subject to limited investor protections. You should carefully consider whether trading or holding digital assets is appropriate for your financial situation and risk tolerance and consider consulting a qualified financial professional.”

Given the volatility and regulatory uncertainty, this is one of the better real examples for anyone creating crypto content.

AI‑generated investment analysis disclaimer example

“Certain content, including market summaries, forecasts, and scenario analyses, may be generated or assisted by artificial intelligence tools. These outputs are based on historical data and predefined assumptions and may contain errors or omissions.

AI‑generated content is provided for informational purposes only and does not constitute investment advice, a recommendation, or a guarantee of future performance. You should independently verify any information and should not rely solely on AI‑generated content when making investment decisions.”

As AI tools spread across finance, this type of example of a disclaimer is becoming standard practice.

“This publication is a general circulation financial newsletter and is not tailored to the investment needs of any specific person. The information, opinions, and forecasts contained herein are based on sources believed to be reliable, but their accuracy and completeness cannot be guaranteed.

The publisher and its affiliates may have positions in securities or instruments discussed and may change such positions at any time without notice. Any references to past or projected performance are for illustrative purposes only and are not a guarantee of future results.

You are solely responsible for your investment decisions. Consider consulting with a registered investment adviser, tax professional, or attorney regarding your individual circumstances.”

This is one of the best examples of financial disclaimer examples for investment advice for paid content where conflicts of interest and expectations around “premium” analysis can be sensitive.

Key elements that show up in the best examples of financial disclaimer examples for investment advice

When you read through all these real examples, a pattern emerges. Strong disclaimers tend to:

Define the nature of the content: informational, educational, entertainment, or opinion.
Reject a personalized advice role: “I am not your advisor,” “does not take into account your objectives.”
Warn about risk and loss: especially loss of principal and volatility.
Clarify past performance limitations: “not indicative of future results.”
Disclose conflicts and compensation: affiliate links, sponsorships, positions in discussed securities.
Point users to licensed professionals: encourage consulting registered advisors, tax pros, or attorneys.

You’ll see these recurring phrases in many of the best examples of financial disclaimer examples for investment advice used by major firms and serious creators.

If you want to sanity‑check your language against regulatory expectations, it’s worth skimming:

The U.S. Securities and Exchange Commission’s guidance for investors: https://www.investor.gov
FINRA’s investor education resources on risks and disclosures: https://www.finra.org/investors
The UK Financial Conduct Authority’s information for consumers and firms: https://www.fca.org.uk

These aren’t templates, but they show what regulators care about.

How to adapt these examples of financial disclaimer examples for investment advice to your situation

You don’t want to copy‑paste blindly. The right wording depends on what you actually do.

If you run a personal finance blog that compares index funds and budgeting tools, your disclaimer should stress that you’re providing general education, not individualized portfolio advice, and that readers should consider their own circumstances or speak to a professional.

If you operate a registered investment advisory firm in the U.S., you’re under a fiduciary standard and specific regulatory rules. Your disclaimer can’t pretend you’re “not an advisor” when you clearly are. Instead, it should clarify the limits of your content versus your formal advisory engagement—what’s “general commentary” versus what’s advice provided under a signed agreement.

If you’re a fintech startup offering charts, backtests, and AI‑driven signals, you need clear examples of financial disclaimer examples for investment advice that say: the tools are informational, results are hypothetical, models have limitations, and nothing is guaranteed. You should also describe data sources and potential inaccuracies.

If you’re a creator on YouTube or TikTok, you’re balancing character limits and viewer attention. Use a short, persistent disclaimer in your bio or channel description, and a more detailed version on your website or link‑in‑bio page.

And if you’re anywhere near crypto, options, margin, or leveraged products, your language around risk needs to be very direct. Regulators have repeatedly warned that retail investors often underestimate these risks.

FAQ: common questions about examples of financial disclaimer examples for investment advice

Q: Can you give a simple example of a one‑sentence investment disclaimer?
A: A minimalist example of a disclaimer many creators use is: “This content is for informational purposes only and is not financial advice—consult a licensed professional before making investment decisions.” It’s not perfect, but it’s far better than nothing and fits tight spaces.

Q: Are these examples of financial disclaimer examples for investment advice legally sufficient on their own?
A: No single sentence—or even a long paragraph—guarantees legal protection. Courts and regulators look at the overall context: what you said, how you said it, what you actually do, and how reasonable investors would interpret your content. Disclaimers help set expectations, but they don’t override securities laws or licensing requirements.

Q: Do I need different examples for U.S. and non‑U.S. audiences?
A: Often, yes. Many firms include jurisdiction language, such as: “This content is intended for residents of the United States and is not directed to any person in any jurisdiction where such distribution would be contrary to local law.” If you have a global audience, consider separate pages or sections for different regions.

Q: Should I mention specific regulators in my disclaimer?
A: If you are actually registered with a regulator, it’s common to say so and to clarify what that registration does and does not mean. For example, U.S. investment advisers often reference registration with the SEC or state regulators but note that registration does not imply a certain level of skill. If you are not registered, do not imply that you are.

Q: Where should I put these examples of financial disclaimer examples for investment advice on my site or app?
A: At minimum, have a dedicated disclaimer or terms page linked in the footer, and add shorter, context‑specific snippets near high‑risk content: under blog posts with stock picks, in YouTube descriptions, in app onboarding screens, and near any performance charts. The point is that a reasonable user can’t miss it.

Final thoughts

Good disclaimers are not about scaring people; they’re about being honest about what you offer and what you don’t. The best examples of financial disclaimer examples for investment advice share that honesty: they speak plainly about risk, clarify your role, and push people toward informed, professional guidance when needed.

Use these real‑world style examples as starting points, but have a qualified attorney review anything before you rely on it. Laws and regulations change, your business will evolve, and your disclaimers should evolve with it.