Important disclosures

Global Predictions Inc ("Global Predictions") offers services, including PortfolioPilot that are designed to help you make informed decisions about your financial future. globalpredictions.com and portfoliopilot.com will be referred to as the "Sites". This disclosure statement provides important information about the scope and limitations of our services & Sites, risks of investing, and our commitment to safeguarding your privacy and information. Please take the time to read and understand these disclosures before using our services.

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Firm disclosure documents as required by SEC:

• Form CRS
• Form 2A
• Form 2B - Reid Hartman (CCO)
• Form 2B - Alexander Harmsen (CEO)
• Personal Information Disclosure

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1. General disclosure. Nothing on our Sites should be construed as a solicitation or offer, or recommendation, to buy or sell any security. Registration does not imply a certain level of skill or training. Investing involves risk. Past performance is not a guarantee or indicative of future returns. The value of your investment will fluctuate, and you may gain or lose money. All charts, figures, and graphs are for illustrative purposes only. There can be no assurance that a hypothetical, or actual performance shown on the Sites will lead to the expected results shown or perform in any predictable manner.

2. Services. Our services range from financial planning to investment recommendations, including offering advice on the selection and management of securities, including stocks, bonds, mutual funds, and ETFs. We also assist with portfolio diversification and risk management. Please note, our advice is based on our understanding of market trends and general economic conditions; it does not guarantee any specific investment performance.

3. Past performance: Past performance information might be shared to provide insight into our investment strategies and decision-making process. However, past performance does not guarantee future results. Investment values will fluctuate as market conditions change. It is important to understand that all investment strategies, including those employed by our firm, could lead to the loss of your invested capital.

4. Portfolio analysis and Recommendations. The Portfolio Analysis, Portfolio Score, and Personalized Recommendations are intended to provide insight based on the net worth you have aggregated in the PortfolioPilot product and other information you have provided. Because there is no way to know all information about your finances or your personal situation, analyses may be incomplete or inaccurate. All insight provided represents a courtesy extended to you for educational purpose and you should not rely on this information as the primary basis of your investment, financial, or tax planning decisions. You should consult your legal or tax professional regarding your specific situation. Comparative analysis, including portfolio simulations and draft portfolios, is intended to illustrate hypothetical performance of various allocation strategies based on a long-term historical asset class performance and is not meant to imply actual performance or results. Some of the analysis does not include taxes or fees, which can have a material impact. It is not possible to invest without incurring expenses, which will lower the actual return.

5. Risks. Investments inherently carry risk, including the potential loss of all invested capital. This can occur as a result of numerous factors including, but not limited to, market volatility, specific investment selection, and global economic conditions. While our team and portfolio management system uses a variety of strategies to manage risk, we cannot guarantee any specific investment results or that you will not experience loss in your investment account(s).

6. Simulations. The calculations in the Simulations tool are based solely on information provided by the user, data based on the accounts that users have aggregated in the PortfolioPilot product, historical market returns, and the assumptions shown or selected. Because there is no way to know all information about your finances or your personal situation, analysis may be incomplete or inaccurate. All insight provided represents a courtesy extended to you for illustrative purposes only and you should not rely on this information as the primary basis of your investment, financial, or tax planning decisions. No representations, warranties, or guarantees are made as to the accuracy of any estimates or calculations. Global Predictions is not liable for any damages or costs of any type arising out of or in any way connected with your use of these simulations. The information provided in Simulations does not serve, either directly or indirectly, as legal, financial, or tax advice and you should always consult a qualified professional legal, financial, and tax advisor for your specific situation.

7. Privacy Policy. Your privacy is our top priority. We are committed to maintaining the confidentiality, integrity, and security of your personal information. We have developed strict policies and procedures to protect your information, including limiting access to such information to those employees who need it to provide services to you. Our privacy policy is available to all clients and potential clients here; please review it to understand how we gather, use, and secure your information.

8. Accuracy of information. We strive to provide accurate, current, and comprehensive financial information and analysis. However, there may be situations where information is incomplete, outdated, or contains typographical errors. We cannot warrant the accuracy or completeness of any information, including financial market data, research, or investment analysis. Please corroborate any information received through our platform before making investment decisions.

9. Tax and Tax-loss Harvesting. Global Predictions, Inc. does not assert in any way that the tax outcomes illustrated as part of its tax-loss harvesting tool, through PortfolioPilot, will be realized or that PortfolioPilot's tax-loss harvesting suggestions will result in any specific tax outcome. The tax implications of the tax-loss harvesting strategies are intricate and uncertain and may be questioned by the IRS. The information regarding this activity was not structured to be used, and it should not be used, by any client to evade penalties or interest. Clients should consult with their personal tax advisors regarding the tax implications of using the PortfolioPilot tax-loss harvesting tool, according to their individual situations. Clients and their personal tax advisors bear the responsibility for how the transactions performed in an account are reported to the IRS or any other tax authority on the client's personal tax returns. Global Predictions Inc takes no responsibility for the tax implications to any client of any transaction. We are not tax experts. Clients should seek advice from qualified legal or tax professionals, such as tax attorneys or CPAs, regarding their specific circumstance.

10. Electronic communication. Emails, chats, and other forms of electronic communication, while generally reliable, are not always secure or error-free. Messages may be lost, delayed, intercepted, or received by unintended recipients. Although we take precautions to safeguard your information, we cannot be responsible for losses or damage resulting from communication failures, including those due to technical failures or cybersecurity breaches.

For questions or additional information, please contact support@globalpredictions.com.
These Disclosures were last updated on August 21, 2023.