Website & platform disclaimer

1. Introduction

1. This is the Money Loaf’s  Website and Platform Disclaimer (“TML”, “we”, “us” or “our”). 

2. This Website and Platform Disclaimer is to be read together with our Terms of Use and forms part of the terms of use of our Website and Platform.

3. Capitalised terms used but not defined in this Disclaimer shall have the meanings set forth in our Terms of Use.

4. By continuing to use this Website and Platform, you acknowledge and accept the risks involved in options trading and agree to use the information provided at your own discretion.

5. If you do not agree with this Disclaimer, you must terminate your Account with us, cease use of our Services and leave the Website and Platform immediately. 

6. The headings are for convenience only and shall not affect the interpretation of this Disclaimer.

7. Unless the context otherwise requires or permits, references to the singular number shall include references to the plural number and vice versa; references to natural persons shall include bodies corporate and vice versa; and words denoting any gender shall include all genders.

2. Contents For Information & Education Only – Not A Replacement For Professional Advice

1. The contents of this Website and our subscription-based Platform are provided to you for information and education only, and should not be used as a basis for making any specific investment, business or commercial decisions. 

2. The Money Loaf is a personal account of my own journey towards FIRE — Financial Independence, Retire Early — through the powerful (and often misunderstood) world of options trading. Options trading is not for everyone and carry financial risks. I am not a financial advisor, and neither am I certified to offer you financial advice or options trade recommendations. 

3. The Money Loaf makes no guarantees regarding financial outcomes, accuracy of calculations, or the achievement of any specific results, including but not limited to financial independence. There is no guarantee that you will earn any money using the Products, Services, techniques, methods, materials, knowledge and/or information shared on the Website and/or Platform. All Products, Services, methods, materials, knowledge and/or information are not to be interpreted as a promise, representation or guarantee of earnings/profits.

4. Accordingly, the information set out on this Website, Platform and/or on any of the other products or Services provided by us should not be construed as professional financial advice or an offer or solicitation for the subscription, purchase or sale of any stock, security, options or any investment products: 

1. The information contained on this Website and/or Platform will feature positions from within my own options trading portfolio and are a reflection of my trading goals, risk tolerance and time horizon, which may differ from your preferences. Please note that no guarantees are made as to any trade activity within any time period. If conditions are not right for me, I will not engage in any trades; 

2. The Community within the Platform is for educational and exchange of information purposes only– what is being shared is a strategy that works for my own trading goals, risk tolerance and time horizon. Yours may be different;  

3. The Money Loaf does not offer recommendations for you to buy or sell stocks or options. All stocks or options mentioned are not recommendations, but examples of either options that are part of my portfolio or examples that are used to explain trading positions; and

4. You are strongly advised to conduct your own due dilligence and/or consult a professional financial advisor if you need to before making any financial decisions stemming from or relating to the contents of this Website, Platform or any of the other products or Services made available to you by us.

3. Options Trading Carry Risks

1. Options are complex financial instruments with intricate strategies, terminology, and market factors that require significant knowledge and experience to navigate:

1. Accordingly, no warranty whatsoever is given and no liability whatsoever is accepted for any loss arising whether directly or indirectly as a result of you acting based on any information set out herein; 

2. Investments are subject to investment risks including the possible loss of the principal amount invested. These risks in options trading include but are not limited to factors such as: market volatility, time decay, market’s perception of future volatility, leverage and loss magnification, limited duration for the profitability of options, complexity of options pricing and strategy risks, and assignment risks. Thoroughly understanding options and managing these risks is crucial for investors to make informed decisions and effectively utilise options as part of their investment portfolio;

3. Past performance figures as well as any projection or forecast used on our Website, Platform and/or social media accounts are not necessarily indicative of future or likely performance of any options. The information contained in these pages are not intended to provide and/or replace professional advice and should not be relied upon in that regard; and

4. The information set out on this Website and/or Platform also does not have any regard to your specific investment objective, risk tolerance, financial situation and/or any of your particular needs. You may wish to seek advice from a financial adviser before investing in any of the options mentioned. In the event that you choose not to seek advice from a financial adviser, you should conduct your own due diligence and consider whether options trading is suitable for you.

4. Our Disclaimers & Exclusions of Liability

1. By using and accessing this Website and/or Platform, you agree that:

1. Website and/or Platform. The information set out herein and use of our Website and/or Platform are on an “as is” basis without any representations or any kind of warranties, whether expressed or implied by law: 

1. The Money Loaf disclaims to the fullest extent permitted by law all express, implied and statutory warranties, including without limitation, the warranties as to functionality, operability, accessibility, accuracy, correctness, reliability, updatedness, timeliness, satisfactory quality, merchantability, fitness for a particular purpose, and non-infringement of proprietary rights;

2. Without limiting the foregoing, we do not warrant that our Services, functions contained in or access to the Website and/or Platform or other content will be timely, uninterrupted or error-free without omission, that defects will be corrected, or that the Website and/or Platform or its contents are free of infection by computer viruses and/or other harmful or corrupting code, programme, macro and such other unauthorized software, or that the download, installation or use of any product suggested by us or content of the Website and/or Platform in or with any computer will not affect the functionality or performance of the computer; and 

3. We are not responsible or liable for the deletion or failure to store any content maintained or posted by or through the Website and/or Platform or any transmission error, faulty or unreliable internet connection or website downtime.

2. Third-Party websites. The Website and/or Platform may contain links to other websites which are not maintained by us. Similarly, other websites may contain links to our Website: 

1. We have no control over such sites and resources, and you acknowledge and agree that we are not responsible for the availability or contents of those websites and we shall not be liable for any damages or injury arising from the availability or contents of those websites; and

2. Any links to other websites are provided as a convenience to you as a user of our Website and/or Platform, and does not imply our endorsement of the linked website or association with their operators. We disclaim all responsibility and liability, direct or indirect, for any damage or losses (including any virus, spyware, malware, errors or damaging materials contained in the linked sites) caused or alleged to be caused by or in connection with the use or reliance on any such content available on or through any such site or resource, which are accessed and used at your own risks.

3. Exclusion of liability. To the maximum extent permitted under applicable law and without prejudice to any other rights we may have, you acknowledge and agree that The Money Loaf, our agents, contractors and/or permitted assigns are not liable to you for: 

1. Any direct, indirect, consequential, incidental, special or punitive losses suffered by you or any third party, whether arising based on a claim in contract, tort (including negligence), breach of statutory duty or otherwise, arising from or in connection with your access and/or use (or inability to access or use) the Website, Platform and/or our Services;

2. Any inaccuracies contained in the information set out on our Website, Platform and/or Services; 

3. Any failure to receive or delay in receiving information contained on our Website, Platform and/or Services;

4. Any unauthorised use of the Website, Platform and/or Services and/or access to the Platform and/or Services;

5. Any act of omission of any telecommunications carriers, internet service or any other service providers;

6. The exercise of any of our rights;

7. Any loss of revenue, profit or anticipated profits; and/or

8. Any event or circumstance beyond our control.

4. Your indemnities to us. To the maximum extent permitted under applicable law and without prejudice to any other rights we may have, you shall indemnify, and shall keep indemnified, us, our agents, contractors and/or permitted assigns against any losses, including expenses and legal or other professional fees for disputing or defending any action, claim or proceeding, which we may incur or sustain (directly or indirectly) or which may be made against us in any jurisdiction as a result of or in connection with or arising out of: 

1. Your use of the Website, Platform and/or our Services; and

2. Our operation of the Website, Platform and/or the provision of our Services; 

save where such losses are directly caused by us, our agents, contractors and/or permitted assigns’ own gross negligence or wilful default.

2. Any advertisements, announcements of financial gain and/or social media posts made by us are for information only and does not constitute investment and/or trading advice or recommendation and are a reflection of my trading goals, risk tolerance and time horizon at the material time, without regard to the specific objectives, financial situation or needs of any particular person who may receive these information. By viewing our advertisements, announcements of financial gains and/or social media posts and accessing our Website, Platform and/or Services, you accept that the value of your trades and investments, and the income from them can go down as well as up and you risk losing your initial investment amount. Past performance is not necessarily indicative or guarantees the future performance of any option and/or stock.

3. The contents of this Website and Platform, including this Disclaimer, are subject to change and may be modified, deleted or replaced from time to time and at any time. 

4. Options trading offers income opportunities but involves complexities and risks that necessitate thorough understanding, prudent risk management, and strategic planning to navigate successfully in the markets. Traders should assess their risk tolerance and employ disciplined approaches to mitigate potential losses and optimise their options trading endeavours.

Last Updated: 25 October 2025