⚠ IMPORTANT: This platform does not provide financial advice. All content is for informational and educational purposes only.

Risk Disclaimer & Disclosure

Last updated: May 2026

Not Financial Advice

The 4 Horsemen is an AI-powered research and thesis validation tool. All content generated by this platform is for informational and educational purposes only and does not constitute financial advice, investment advice, trading advice, tax advice, or any other form of regulated financial service.

Nothing on this platform should be construed as a personal recommendation to buy, sell, or hold any investment, security, or asset.

Regulatory Status

🇬🇧 United Kingdom

The 4 Horsemen is not authorised or regulated by the Financial Conduct Authority (FCA). It is not a regulated financial adviser and does not hold any FCA permissions or authorisations under the Financial Services and Markets Act 2000.

🇺🇸 United States

The 4 Horsemen is not registered as an investment adviser under the Investment Advisers Act of 1940 with the U.S. Securities and Exchange Commission (SEC) or any state securities regulatory authority.

🇪🇺 European Union

The 4 Horsemen does not hold authorisation under MiFID II (Markets in Financial Instruments Directive) or any equivalent EU directive. It does not provide regulated investment services to EU persons.

AI-Generated Content

All analysis, reports, and research are generated by artificial intelligence (Large Language Models). AI systems can produce errors, inaccurate data, and biased outputs. Always independently verify any figures, data, or analysis before relying on it.

The 4 Horsemen makes no warranty, express or implied, as to the accuracy, completeness, or timeliness of any AI-generated content.

Past Performance

Past performance of any investment, security, sector, or market is not indicative of future results. All investments carry risk. The value of investments can go down as well as up and you may receive back less than you invest.

Your Responsibility

You are solely responsible for your own investment decisions. Before making any investment decision:

  • • Conduct your own independent due diligence
  • • Consider your personal financial circumstances, objectives, and risk tolerance
  • • Consult a qualified financial adviser authorised by the FCA (UK), registered with the SEC (US), or authorised under MiFID II (EU)

Portfolio Builder — Special Notice

⚠ The Portfolio Builder feature requires additional caution.

The Portfolio Builder generates an illustrative allocation across a set of tickers using AI. Because it produces specific percentage allocations against named securities, it may superficially resemble a personal investment recommendation. It is not. It is an AI-generated educational exercise only.

The Portfolio Builder does not constitute a personal recommendation within the meaning of:

  • • UK (FCA): Article 53 of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, or COBS 9 of the FCA Handbook
  • • US (SEC): The Investment Advisers Act of 1940 or any state investment adviser statute
  • • EU (MiFID II): Article 25 or Annex I, Section A(4) of Directive 2014/65/EU

The allocation percentages shown are illustrative only. They are derived solely from the user's own previously generated AI debate reports and reflect no knowledge of the user's actual financial position, investment objectives, tax situation, or personal circumstances.

You should not directly replicate any Portfolio Builder output. Before acting on any analysis, consult a qualified financial adviser authorised by the FCA (UK), registered with the SEC (US), or authorised under MiFID II (EU) who can account for your personal circumstances.

The Portfolio Builder is designed as a stress-testing and scenario-modelling tool to help users think structurally about diversification. It is not designed to, and cannot, replace regulated investment advice.

Limitation of Liability

To the maximum extent permitted by applicable law, The 4 Horsemen and its operators shall not be liable for any losses, damages, or expenses of any kind arising from reliance on any content generated by or displayed on this platform, including any investment or trading losses.

Jurisdiction Notice

Users accessing this platform from outside the United Kingdom should be aware that content may not comply with the laws or regulations of their specific jurisdiction. It is your responsibility to ensure your use of this platform complies with applicable local laws and regulations.

Legal review notice: This disclaimer has been drafted for informational purposes. If you are launching this platform commercially, you should obtain independent legal advice from a qualified solicitor familiar with UK financial services law, US securities law, and EU financial regulation.