Important Disclaimers

The following disclosures apply to Tapa Private Wealth Inc. ("TPW," "we," "us," or "our"), a Florida-registered investment adviser, a Commodity Futures Trading Commission (CFTC)-registered Commodity Trading Advisor, and a member of the National Futures Association (NFA). They apply to TPW's public content and general communications, including this website, blogs, newsletters, general emails, webinars, videos, social-media profiles, social-media bios, social-media posts, comments, messages, and other public materials (collectively, the "Content"). Advice and services provided under an applicable written client engagement are governed by that engagement and its disclosures.

Research-Led Commentary and Professional Capabilities; Not Personalized Advice

TPW provides research-led market commentary and information about its services. The findings highlight financial developments, connections, risks, and tradeoffs and demonstrate TPW's judgment and professional capabilities in investment management, risk management, financial planning, and tax matters. TPW provides the context needed to understand a finding without teaching investment methods or disclosing proprietary research methods or intended investment responses.

The Content is not intended to, and should not, be relied upon as personalized accounting, legal, tax, insurance, investment, financial planning, or other professional advice. Nothing in the Content constitutes a recommendation, offer, or solicitation to buy, sell, hold, or trade any security, asset, fund, product, or strategy, or to adopt any investment, tax, legal, or other strategy. The Content may describe TPW's services and invite prospective clients to contact TPW. Services are offered only where lawful and require the applicable written engagement.

The Content does not consider your financial circumstances, investment objectives, experience, risk tolerance, tax situation, or particular needs. You should not rely on the Content as the sole basis for any investment, financial, tax, or legal decision. Consult a qualified professional about suitability and tax consequences before acting on it.

For visitors who are not advisory clients of TPW, TPW is not acting in a fiduciary capacity with respect to your use of the Content, this website, or any TPW social-media account.

No Advisory Relationship Until Formal Engagement

Viewing or using this website, subscribing to or interacting with TPW's Content, accessing or following TPW social-media accounts, "liking," commenting on, sharing, tagging, or messaging TPW, or contacting TPW by any other means does not create an advisory-client, tax-client, or any other professional relationship with TPW.

An advisory relationship with TPW is established only when both of the following have occurred:

• You and TPW have signed the applicable Investment Advisory Agreement, Commodity Trading Advisory Agreement, or other written service agreement accepted by TPW.
• All required onboarding steps for that service have been completed, which may include opening and funding an account with an appropriate custodian or account provider.

Until these steps are completed, all communications from TPW should be considered general in nature and not tailored to your personal circumstances.

Relationship to Advisory Services and Governing Documents

The scope of any investment advisory, commodity trading advisory, or planning services TPW provides to a client—including services, fees, risks, and other important terms—is governed by the applicable written agreement and disclosures. Investment advisory services are described in TPW’s Form ADV and Investment Advisory Agreement; commodity trading advisory programs are described separately in the applicable CTA Disclosure Document and Commodity Trading Advisory Agreement.

Nothing on this website or in any other general Content amends, supersedes, or expands the terms of those written agreements or regulatory documents. In the event of any conflict between the Content and a client’s written agreements or regulatory documents, the written agreements and regulatory documents will control.

Limitations of Services and Reliance on Client Information

TPW’s advisory and planning recommendations are based on information provided by clients and on other information that TPW believes to be reliable. TPW does not audit or independently verify client-provided information and has no obligation to do so.

Clients are responsible for providing accurate and complete information and for promptly notifying TPW of any material changes to their financial situation, investment objectives, risk tolerance, tax status, or other relevant circumstances. Recommendations may be inaccurate, incomplete, or inappropriate if client information is incomplete, inaccurate, or not updated in a timely manner.

Registration and Geographic Limitations

Tapa Private Wealth Inc. is an investment adviser registered in Florida. TPW is also registered with the CFTC as a Commodity Trading Advisor and is an NFA member. Registration and membership do not imply regulatory approval, endorsement, or any particular level of skill, training, or expertise.

TPW’s advisory services are offered only in jurisdictions where TPW is appropriately registered or qualifies for an exemption from registration, in accordance with applicable laws and regulations.

Service Availability and Geographic Restrictions

The owner of this website is based in the United States, and this website and the Content are intended primarily for persons residing in the United States. TPW services and products may not be available in all jurisdictions and are offered only where they may be lawfully offered.

If you access this website or Content from outside the United States, you do so on your own initiative and at your own risk. You are responsible for understanding and complying with any local laws or restrictions that may apply to you.

No Offer or Solicitation

Nothing on this website or in any TPW Content should be construed as an offer to sell, or a solicitation of an offer to buy, any security, investment product, advisory service, or other product or service in any jurisdiction where such offer, solicitation, purchase, or sale would be unlawful or not permitted.

Investment advisory and commodity trading advisory services are offered under their respective disclosures and applicable written agreements, and only to persons in jurisdictions where those services may be lawfully offered. Individuals who are not residents of the United States should consult with their legal or financial advisers regarding whether TPW’s services and products may be lawfully offered or sold in their jurisdiction.

Investment Risks and Benchmark Limitations

All investments involve risk, including the possible loss of principal. Different types of investments involve varying degrees of risk and may not be suitable for all investors. There is no assurance that any particular investment, strategy, or allocation will be profitable, suitable, or successful in achieving any particular goal or objective.

Futures and options on futures involve substantial risk, can produce losses exceeding the amount initially committed, and are not appropriate for every investor.

Past performance is not indicative of, and does not guarantee, future results. Investment returns and principal values will fluctuate, and investors may experience gains or losses.

For investments exposed to foreign currencies, changes in exchange rates may reduce an investment’s value, returns, or income.

You cannot invest directly in an index. Index and benchmark returns do not reflect the impact of advisory fees, trading costs, taxes, or other expenses, all of which would reduce actual returns. Index or benchmark composition may differ materially from TPW client portfolios.

Digital Assets and Other Non-Traditional Investments

Digital assets (such as cryptocurrencies and tokens), derivatives, options, short selling, margin, leveraged strategies, concentrated positions, illiquid investments, and other non-traditional investments involve unique and heightened risks, which may include:

• Extreme price volatility and potential for total loss
• Limited liquidity and wide bid-ask spreads
• Regulatory uncertainty, changes, or enforcement actions
• Technology, operational, and cybersecurity risks
• Forks, protocol changes, and other structural events
• Counterparty and custody risks, including potential loss of access to assets

These investments may be unsuitable for many investors and should be considered only after careful evaluation of your objectives, risk tolerance, liquidity needs, tax profile, and time horizon.

Hypothetical, Back-Tested, or Simulated Results

If TPW presents hypothetical, back-tested, or simulated performance results, such results have important inherent limitations. They do not reflect actual trading in client accounts and may rely on assumptions, models, or back-looking data that cannot fully account for the impact of market, economic, or other factors on actual investment decisions.

Hypothetical, back-tested, or simulated results are provided for illustrative purposes only. No representation is made that any account will or is likely to achieve results similar to those shown. Actual results may differ materially from any illustrations.

Information Sources, Accuracy, and Changes

TPW believes that the information and data used in the Content are obtained from sources believed to be reliable; however, TPW does not guarantee the accuracy, adequacy, completeness, or timeliness of such information. Information and views reflect circumstances as of publication and may change without notice. Interpretations and statements about possible future developments are uncertain and may prove incorrect.

TPW has no obligation to update or revise any Content to reflect subsequent events, changes in circumstances, or new information. Your use of this website and the Content is at your own risk.

Public Content does not assess your circumstances and should not be your sole basis for financial decisions. Nothing in these disclaimers waives rights or remedies under applicable law or limits TPW’s duties under a written client engagement.

Third-Party Data, Tools, Links, Endorsements, and Testimonials

The Content may reference or incorporate third-party information, market data, tools, websites, comments, posts, or other third-party content. Such third-party data, tools, information, and content are provided "as is," for convenience only, and are not guaranteed as to accuracy, completeness, or timeliness. TPW does not control and is not responsible for the content, security, or policies of any third-party websites or platforms.

Links to third-party sites, references to third-party content, and TPW interactions with third-party content, including "likes," "follows," "shares," tags, comments, or links, do not automatically constitute an endorsement, approval, recommendation, or adoption by TPW of any person, entity, security, product, service, statement, or opinion. Any accompanying TPW statements should be considered in their full context.

Comments, replies, messages, posts, and other content provided by third parties are their own and do not necessarily reflect the views of TPW. Their presence alone does not mean TPW endorses or adopts them. TPW may remove comments or restrict users at its discretion, including for spam, promotions, inappropriate, offensive, or misleading content, in accordance with its Social Media Community Guidelines and applicable laws.

Testimonials, endorsements, ratings, or reviews, if any, referencing TPW are considered advertisements under applicable laws and regulations. Important disclosures, including whether compensation, conflicts of interest, or other material relationships exist, should be reviewed together with any such statements.

Tax and Legal Considerations

TPW provides proactive strategic tax planning and related services only pursuant to a separate, written tax engagement letter that defines the scope of services, deliverables, and fees. TPW does not provide legal advice.

Unless provided under such a separate tax engagement, any tax-related information in the Content is general in nature and is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of (i) avoiding tax penalties or (ii) promoting, marketing, or recommending any transaction, arrangement, or strategy.

Users and clients should consult their own qualified tax and legal advisers regarding their specific circumstances before implementing any strategy discussed by TPW.

Social-Media Content

TPW's public social-media content and general interactions, including posts, comments, "likes," "follows," "shares," general messages, tags, profile text, bios, and similar interactions, provide research-led market commentary and information about TPW's services. They are not individualized investment, tax, legal, accounting, or financial planning advice.

Social-media content is inherently limited in scope and may not include all relevant disclosures, risks, or information that may be available on this website, in TPW's regulatory documents, or in TPW's written client agreements.

Viewing, accessing, following, "liking," commenting on, sharing, tagging, or messaging a TPW social-media account does not create an advisory-client, tax-client, or any other professional relationship with TPW.

Sources and Copyright

TPW strives to verify information but does not guarantee its accuracy or completeness. Third-party materials are used with permission or where permitted by law, including fair use. Please send copyright concerns to info@tapaprivatewealth.com. TPW will review and address them.

Communications, Chat, and Messaging

General inquiries and public-facing communications with TPW—including telephone calls, voicemails, emails, text messages, and any chat, messaging, or similar tools (including AI-assisted chat) available on or through this website or linked platforms (collectively, “Communications”)—are provided for convenience and general informational purposes only. These general Communications do not constitute personalized advice, do not create an advisory or tax-client relationship, and should not be relied upon as the primary basis for any financial, investment, or tax decision. This limitation does not apply to advice or services TPW provides under an applicable written client engagement.

TPW may record, monitor, or retain Communications in accordance with firm policies and applicable legal and regulatory requirements, including for compliance, supervision, recordkeeping, training, and quality-control purposes. Users should not transmit sensitive personal information (such as account numbers, Social Security numbers, or other confidential data) via chat, text message, email, or other unsecured channels.

General Communications do not constitute personalized investment, tax, accounting, or financial planning advice. Advice provided to clients is governed by the scope and terms of the applicable written engagement. TPW does not provide legal advice.

Third-party names and trademarks belong to their respective owners. References for identification do not, by themselves, imply affiliation or endorsement.

Use of TPW Content

Use of TPW’s website, videos, and other public content is subject to the applicable Terms of Use. Please review the current Privacy Policy and any disclaimers and disclosures accompanying the content or service.

For restrictions on creating or using digital replicas of any TPW employee’s likeness or voice, see TPW Employee Likenesses, Avatars, and Voices in our Terms of Use. Report suspected misuse to info@tapaprivatewealth.com.

Related Policies and Disclosures

By accessing or otherwise engaging with TPW Content, you acknowledge and accept these Important Disclaimers, as well as TPW's Website Terms of Use, Privacy Policy, and Social Media Community Guidelines, as they may be updated from time to time.

For important information about TPW, please visit the TPW Legal Hub:

• Firm Disclosures: https://www.tapaprivatewealth.com/legal/disclosures
• Privacy Policy: https://www.tapaprivatewealth.com/legal/privacy-policy
• Terms of Use: https://www.tapaprivatewealth.com/legal/terms-of-use
• Social Media Community Guidelines: https://www.tapaprivatewealth.com/legal/social-media-community-guidelines