Practical examples of financial website disclaimer examples that actually work

Real‑world examples of financial website disclaimer examples

Let’s start where most people actually need help: seeing how other sites phrase this stuff. The strongest examples of financial website disclaimer examples do three things at once:

• Tell users what the site does not provide (no personal advice, no guarantees).
• Flag conflicts of interest (affiliate links, referral fees, sponsored content).
• Explain risk in plain English, not just legal jargon.

Below are several types of real examples, with sample language you can adapt. Do not copy these word‑for‑word; instead, use them as a starting point and have a lawyer review any final text.

Example of an investment advice disclaimer for finance blogs

Personal finance blogs and YouTube‑style “money hacks” sites are everywhere. Many of them now publish very explicit investment disclaimers because regulators have been paying closer attention to online financial content.

Here’s a realistic example of financial website disclaimer language for a general investing blog:

Investment Disclaimer
The content on this website is for informational and educational purposes only and should not be considered investment, tax, or legal advice. We are not registered as investment advisers with the U.S. Securities and Exchange Commission (SEC) or any state securities authority. Any decisions you make based on the information on this site are your responsibility. You should consult a licensed financial professional before making any investment decisions.

Why this works:

• It clearly states the site is not providing individualized advice.
• It references registration status with the SEC, which is consistent with U.S. regulatory structure (sec.gov).
• It shifts responsibility for decisions back to the reader without sounding hostile.

If you publish stock picks, model portfolios, or crypto commentary, your own examples of financial website disclaimer examples should be even more explicit about risk and the lack of personalized advice.

Examples of financial website disclaimer examples for risk and performance

Financial sites love charts and backtests. Regulators, on the other hand, hate misleading performance claims. That’s why you see very similar risk and performance disclaimers across brokerages, robo‑advisors, and research tools.

A typical example of a performance disclaimer might read:

Performance Disclaimer
Past performance is not indicative of future results. Any historical returns, expected returns, or probability projections are hypothetical in nature and may not reflect actual future performance. Investing involves risk, including the possible loss of principal. You should not invest money you cannot afford to lose.

A stronger, more 2024‑appropriate version for a fintech analytics tool could add:

Backtested results are presented for informational purposes only and do not represent actual trading. Backtests have inherent limitations, including reliance on historical data and assumptions that may not hold in the future. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown.

These are some of the best examples of financial website disclaimer examples because they:

• Use the familiar phrase "past performance is not indicative of future results" (very common in SEC and FINRA guidance).
• Mention hypothetical and backtested results, which is a hot topic in 2024 guidance for digital advisors and algorithmic tools.
• Make the risk of losing money uncomfortably clear.

For reference on how regulators think about performance claims, you can review SEC investor education materials on investment risk at investor.gov.

Affiliate and referral disclosure: examples include blogs, comparison sites, and apps

If you earn money when users click a link or open an account, you need a clear affiliate or referral disclosure. The Federal Trade Commission (FTC) has updated its endorsement guidelines in recent years, and they expect conspicuous, plain‑English disclosures online (ftc.gov).

Here is a realistic example of financial website disclaimer language for an affiliate‑heavy credit card comparison site:

Affiliate Disclosure
Some of the offers on this site are from companies that compensate us. This compensation may affect how and where products appear on the site, including the order in which they appear. However, our opinions are our own, and we do not receive additional compensation for favorable reviews. We do not include every company or financial offer available in the marketplace.

And for a referral‑based investing app review site:

We may receive a commission when you open an account through links on our site. This does not cost you anything extra, and it does not influence the fees you pay to the provider. You should always review the provider’s terms and conditions directly before opening an account.

These examples of financial website disclaimer examples matter because they:

• Reveal how the site makes money.
• Admit that not all products are covered.
• Echo FTC expectations about clear and conspicuous disclosures.

If you’re using influencer marketing or social media, you should mirror this disclosure style in captions and profiles as well.

Examples of financial website disclaimer examples for “not a bank / no FDIC insurance”

Since 2023–2024, there has been much more regulatory attention on fintechs that sound like banks but aren’t actually banks or FDIC‑insured institutions. If you’re running a neobank, crypto platform, or stored‑value app, you should look carefully at how you describe safety and insurance.

A practical example of a non‑bank disclaimer:

Not a Bank / No FDIC Insurance
[Company Name] is a financial technology company, not a bank. Banking services may be provided by our partner banks, Members FDIC. Your funds held directly with [Company Name] are not FDIC‑insured. FDIC insurance, where applicable, only applies to funds held in eligible accounts at our partner banks and is subject to their terms and conditions.

For a crypto‑only platform, a stronger example of financial website disclaimer wording might be:

Cryptocurrency services provided by [Company Name]. [Company Name] is not a bank or insured depository institution. Digital assets are not legal tender and are not backed by any government. Digital asset holdings are not insured by the FDIC, SIPC, or any other public or private insurer.

The FDIC has published consumer guidance on what FDIC insurance does and does not cover, which is useful context when drafting this language (fdic.gov/resources/deposit-insurance).

Example of jurisdiction and regulatory status disclaimers

Many financial websites serve users across borders: U.S., U.K., EU, Asia, you name it. That creates a regulatory headache, and you’ll see some of the best examples of financial website disclaimer examples in this area.

A global investment platform might use wording like this:

Jurisdictional Restrictions
The information on this website is intended for residents of the United States only and is not intended for distribution to, or use by, any person in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by [Company Name] and may be dependent on your country of residence and applicable laws.

A U.S.‑registered investment adviser with foreign site traffic might add:

[Company Name] is registered as an investment adviser with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. This website does not constitute an offer or solicitation in any jurisdiction where we are not authorized to conduct investment advisory business.

That last sentence mirrors how many firms interpret SEC and state guidance on offers and solicitations.

Examples of financial website disclaimer examples for education‑only platforms

Plenty of sites try to walk the line between education and advice: think online courses on options trading, budgeting apps, or retirement planning calculators. In 2024–2025, regulators continue to watch how “education only” claims are used, especially when tools start to feel like recommendations.

A practical education‑only disclaimer might say:

Educational Use Only
The tools, calculators, and content provided on this website are for general educational purposes and are not tailored to the investment needs or financial circumstances of any specific person. Outputs from our tools are based on user‑provided inputs and assumptions that may not reflect actual future conditions. You should not rely on these tools as the sole basis for any financial decision.

A budgeting or debt‑payoff app could adapt this example of financial website disclaimer text:

Our projections and recommendations are generated using generalized models and may not account for all of your personal financial circumstances, including taxes, benefits, or unique contractual terms. We encourage you to review your situation with a qualified financial planner, tax professional, or attorney before acting on any information obtained through the app.

This kind of language helps reduce the risk that your calculators or “score” features are interpreted as personalized, fiduciary‑level advice.

Data, security, and third‑party links: modern examples include API‑driven apps

Financial sites in 2024 are deeply connected: open banking APIs, third‑party data aggregators, embedded brokerage, and more. Your disclaimer should reflect that you don’t control everything users see when they leave your domain or connect external accounts.

Here’s an example of financial website disclaimer language for third‑party links and data:

Third‑Party Data and Links
This website may display information obtained from third‑party sources believed to be reliable; however, we do not guarantee the accuracy, timeliness, or completeness of any third‑party data. Links to third‑party websites are provided for your convenience and do not constitute an endorsement of the content, products, or services offered on those sites. We are not responsible for the security or privacy practices of any third‑party websites.

A more app‑specific example might add:

When you connect external financial accounts, you authorize us and our service providers to access and transmit your financial information from third‑party financial institutions. We do not control and are not responsible for errors, outages, or security incidents at those institutions.

For broader context on cybersecurity and consumer data risk, the U.S. Cybersecurity and Infrastructure Security Agency offers useful guidance at cisa.gov.

Pulling it together: how to use these examples of financial website disclaimer examples

By now you’ve seen several flavors of language you can adapt:

• Investment advice and performance disclaimers.
• Affiliate, referral, and compensation disclosures.
• Non‑bank and insurance‑related disclaimers.
• Jurisdiction and registration statements.
• Education‑only and tool‑output disclaimers.
• Third‑party data, links, and security disclaimers.

The smartest way to use these examples of financial website disclaimer examples is not to copy them blindly, but to map them to specific risks in your own business model. A small personal finance blog that earns a bit of affiliate income needs very different emphasis than a crypto trading platform or a registered investment adviser.

A practical workflow looks like this:

• List the ways your site might mislead users if they made assumptions ("I thought this was FDIC‑insured,” “I thought this was personalized advice,” “I thought returns were guaranteed").
• Match each risk to one of the example categories above.
• Draft a short, plain‑English paragraph for each risk, inspired by the examples of financial website disclaimer examples in this article.
• Have a qualified attorney review the full disclaimer, your Terms of Use, and any scattered disclosures (like banner notes or footers) for consistency.

The trend for 2024–2025 is clear: regulators expect plain language, not just dense legal text. If your financial website disclaimer reads like something only a securities lawyer could understand, it probably isn’t doing its job with real users—or with regulators.

FAQ: examples and best practices for financial website disclaimers

Q1: What are some common examples of financial website disclaimer examples I should consider including?
Common examples include: an investment advice disclaimer, a performance and risk disclaimer, an affiliate or referral disclosure, a non‑bank / no‑FDIC‑insurance notice (if applicable), a jurisdiction and regulatory status statement, a third‑party data and links disclaimer, and an education‑only disclaimer for tools and calculators.

Q2: Can I just copy an example of a financial website disclaimer from a big bank’s site?
You can study how large institutions phrase their disclaimers, but copying them word‑for‑word is a bad idea. Their language reflects their specific licenses, regulators, and product set. Use these examples of financial website disclaimer examples as inspiration, then tailor them to your own business with legal counsel.

Q3: Are short footer disclaimers enough for high‑risk products like options or crypto?
Probably not. Higher‑risk products usually call for layered disclosures: a general site‑wide disclaimer, product‑specific risk disclosures, and in some cases point‑of‑sale warnings before a user completes a trade. Look at how brokerages handle options and margin trading for examples of more detailed risk language.

Q4: How often should I update my financial website disclaimers?
Review them at least annually, and any time you launch a new product, change your revenue model, or expand into a new jurisdiction. Regulatory expectations, especially around digital assets and online advertising, have been shifting quickly in 2023–2025. Out‑of‑date disclaimers are almost as risky as no disclaimers.

Q5: Where should I place my disclaimers so users actually see them?
At minimum, include a dedicated “Disclaimers” or “Legal” page linked in your footer, plus short, context‑specific disclosures near key content: above or below investment commentary, next to affiliate links, inside onboarding flows, and on any page that references returns or safety. The best examples of financial website disclaimer examples don’t hide the fine print—they surface it where decisions are made.