Disclaimer

Last Updated: September 2026

1. General Information

Equity Lounge GmbH ("Equity Lounge", "we", "us" or "our") operates a social investing and financial information platform that enables users to discuss investments, participate in communities ("Lounges"), share content and, where available, connect brokerage accounts on a read-only basis.

The information and content available through Equity Lounge are provided for informational, educational and community purposes only.

Nothing on Equity Lounge should be interpreted as investment, financial, legal, tax or accounting advice.

2. Not Investment Advice

Equity Lounge is not a broker, investment adviser, bank, portfolio manager, exchange, custodian or financial institution.

Equity Lounge does not recommend that you buy, sell or hold any particular security, financial instrument or investment.

Nothing made available through the Platform constitutes:

  • Investment advice
  • Personal financial advice
  • A personal recommendation
  • Legal, accounting or tax advice
  • An offer to buy or sell a security
  • A solicitation to enter into an investment
  • An endorsement of a security, company, strategy or investment
  • A guarantee of investment performance

Information appearing on Equity Lounge should not be relied upon as the sole basis for any investment decision.

3. Your Investment Decisions

Investing involves risk.

The value of investments may rise or fall, and you may lose some or all of the money you invest.

Past performance is not a guarantee or reliable indicator of future performance.

You are responsible for:

  • Conducting your own research
  • Evaluating information independently
  • Understanding the investments you make
  • Assessing your own financial circumstances and risk tolerance
  • Making your own investment decisions

Where appropriate, you should seek advice from a suitably qualified financial, legal, accounting or tax professional.

Equity Lounge is not responsible for investment decisions made as a result of information or content encountered through the Platform, except to the extent liability cannot legally be excluded.

4. User Content

Equity Lounge allows users to create and share content, including:

  • Posts
  • Comments
  • Messages
  • Portfolio disclosures
  • Investment opinions
  • Images
  • Charts
  • Links
  • Profile information
  • Other community content

This content is created by individual users and does not represent the views, recommendations or opinions of Equity Lounge.

Equity Lounge does not pre-approve or independently verify every statement made by users.

User Content may be:

  • Incorrect
  • Incomplete
  • Outdated
  • Biased
  • Speculative
  • Misleading
  • Inappropriate
  • Unlawful

The presence of content on Equity Lounge does not mean that Equity Lounge has reviewed, verified, approved or endorsed it.

You should independently evaluate information before relying upon it.

5. Portfolio Information and Verified Holdings

Equity Lounge may allow users to connect supported brokerage accounts through SnapTrade.

These connections are read-only.

Through the connection, Equity Lounge may receive information relating to a user's:

  • Securities and holdings
  • Number of shares held
  • Portfolio value

Equity Lounge cannot use this connection to:

  • Buy securities
  • Sell securities
  • Place trades or orders
  • Transfer funds
  • Deposit funds
  • Withdraw funds
  • Manage a user's brokerage account

Connected portfolio information may help demonstrate that a user holds or has exposure to a particular security.

However, a connected or displayed holding does not mean that Equity Lounge verifies, endorses or approves anything that user says about the investment.

Portfolio information should also not be interpreted as proof that:

  • A user's investment thesis is correct
  • A user is a professional investor
  • A user has particular financial expertise
  • An investment is suitable for you
  • A security will perform in a particular way
  • Another user should make the same investment

6. Accuracy of Brokerage Information

Portfolio information displayed through Equity Lounge depends on information supplied through SnapTrade and connected brokerage providers.

Equity Lounge does not guarantee that connected portfolio information is always accurate, complete, current or available.

There may be delays, errors, interruptions or inconsistencies in information received from third-party services.

Your broker or financial institution should be treated as the authoritative source for your actual holdings, balances and account information.

7. Market Data

Equity Lounge may display market prices, company information, financial information, news or other market-related data supplied by third parties, including Finnhub.

Market data may be delayed, incomplete, unavailable or inaccurate.

Equity Lounge does not guarantee that market information displayed through the Platform is real-time, complete or error-free.

Market information is provided for informational purposes only and should not be relied upon as an official price quotation or as the sole basis for an investment decision.

8. Community Discussions and Sentiment

Equity Lounge may display discussions, activity, rankings, sentiment, popular content or other information based on activity within the community.

Community popularity or sentiment does not indicate that an investment is appropriate, safe or likely to increase in value.

A large number of users discussing, holding or expressing a positive or negative opinion about a security should not be interpreted as an investment recommendation from Equity Lounge.

Community information may reflect subjective opinions, short-term sentiment or incomplete information.

9. User Profiles and Privacy

Users control certain information they choose to disclose through Equity Lounge.

Users may, depending on available settings:

  • Maintain a private profile
  • Limit their discoverability
  • Control portfolio information displayed to others
  • Choose what information they publish through posts, comments and their profile

The fact that information appears on a user's profile does not mean Equity Lounge independently verifies all information provided by that user.

10. Third-Party Services

Equity Lounge relies on third-party services for certain functionality, including services such as:

  • SnapTrade for brokerage connectivity
  • Finnhub for market data
  • Cloudflare for infrastructure, performance and/or security services

Third-party services operate independently and may be governed by their own terms and privacy policies.

Equity Lounge does not control and cannot guarantee the accuracy, availability, security, performance or continued operation of third-party services.

The Platform may also contain links to third-party websites or services.

A link or integration does not constitute an endorsement by Equity Lounge.

You access third-party websites and services at your own discretion and subject to their applicable terms.

11. Platform Availability

Equity Lounge aims to provide a reliable service but does not guarantee that the Platform will always be available, uninterrupted or error-free.

The Platform or individual features may occasionally be unavailable because of:

  • Maintenance
  • Software updates
  • Technical problems
  • Network failures
  • Third-party service interruptions
  • Security incidents
  • Events outside our reasonable control

Information may occasionally be delayed, lost, incorrectly displayed or temporarily unavailable.

12. No Warranty

To the maximum extent permitted by applicable law, Equity Lounge and the information and functionality available through the Platform are provided on an "as is" and "as available" basis.

Equity Lounge does not guarantee the accuracy, completeness, reliability, availability or suitability of information or content available through the Platform.

We do not guarantee any particular investment, financial or other outcome from using Equity Lounge.

Nothing in this Disclaimer excludes warranties or rights that cannot legally be excluded.

13. Limitation of Liability

To the maximum extent permitted by applicable law, Equity Lounge GmbH and its directors, officers, employees and representatives are not liable for indirect, incidental, special or consequential losses arising from or relating to your use of Equity Lounge.

This includes, where legally permissible, losses arising from:

  • Investment decisions or investment performance
  • Reliance on User Content
  • Portfolio information
  • Market data
  • Community discussions or sentiment
  • Communications with other users
  • Third-party services or integrations
  • External links
  • Platform interruptions or technical failures
  • Loss of data
  • Unauthorised activity outside Equity Lounge's reasonable control

Equity Lounge does not exclude or limit liability where doing so would be prohibited by applicable law.

14. No Endorsement

The appearance of a user, company, security, investment, creator, financial institution, brokerage provider or other third party on Equity Lounge does not constitute an endorsement or recommendation by Equity Lounge.

Likewise, verification of a portfolio holding indicates only that portfolio information has been received through the relevant connected service. It does not represent verification of a user's knowledge, credibility, investment performance or opinions.

15. Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes to Equity Lounge, its functionality, applicable laws or other relevant circumstances.

The current version will be made available through the Platform and will display the date on which it was last updated.

16. Contact

If you have questions about this Disclaimer, please contact:

Equity Lounge GmbH

Email: info@equitylounge.app