Master the Art of Strategic Investment with Robin Hood

Last Updated: December 2025

1. Information We Collect

When you join our investment community, we may collect the following information:

• Contact information (name, email address, phone number)
• Communication preferences
• Usage data and analytics
• Device and browser information

2. How We Use Your Information

We use your information to:

• Provide access to our investment community and educational resources
• Send weekly learning sessions and market updates
• Improve our services and user experience
• Communicate important announcements
• Comply with legal obligations

3. Information Sharing

We do not sell your personal information. We may share information with:

• Service providers who assist in operating our community
• Legal authorities when required by law
• Third parties with your explicit consent

4. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, or misuse.

5. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion of your data
• Opt-out of marketing communications
• Withdraw consent at any time

6. Cookies

We use cookies and similar technologies to enhance your experience, analyze usage patterns, and personalize content.

7. Contact Us

For privacy-related inquiries, please contact us at: privacy@carlislecapital.com

Last Updated: December 2025

1. Acceptance of Terms

By joining our investment community, you agree to these Terms of Service. If you do not agree, please do not use our services.

2. Community Membership

• Membership is free and available to individuals 18 years or older
• You are responsible for maintaining the confidentiality of your account
• You agree to provide accurate and current information
• We reserve the right to terminate accounts that violate our policies

3. Educational Content

All content provided, including investment guides, weekly sessions, and market updates, is for educational purposes only and does not constitute financial advice.

4. User Conduct

Members must:

• Treat other community members with respect
• Not engage in harassment, spam, or illegal activities
• Not share confidential community content publicly
• Comply with all applicable laws and regulations

5. Intellectual Property

All content, including the 3V Framework, guides, and educational materials, are proprietary to Carlisle Capital Management and protected by copyright laws.

6. Disclaimer of Warranties

Services are provided "as is" without warranties of any kind. We do not guarantee uninterrupted access or error-free services.

7. Limitation of Liability

Carlisle Capital Management and Robin Hood shall not be liable for any investment losses, damages, or consequences resulting from participation in our community.

8. Modifications

We reserve the right to modify these terms at any time. Continued use constitutes acceptance of updated terms.

9. Governing Law

These terms are governed by the laws of the United States and the State of Delaware.

10. Contact

For questions about these terms, contact: legal@carlislecapital.com

IMPORTANT: Please Read Carefully

Not Financial Advice

The information provided by Carlisle Capital Management and Robin Hood through this community is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice.

No Investment Recommendations

Any discussion of securities, investment strategies, or market analysis should not be construed as a recommendation to buy, sell, or hold any particular security or investment product.

Past Performance

Past performance, including the historical returns and achievements mentioned (such as 90.3% alpha returns or 15.3x returns), is not indicative of future results. Investment returns can and do vary, and you may lose money.

Individual Circumstances

Every investor's situation is unique. Before making any investment decisions, you should:

• Conduct your own thorough research
• Consider your financial situation, goals, and risk tolerance
• Consult with qualified financial advisors
• Review all relevant documentation

No Guarantee of Results

We make no guarantees or promises regarding investment performance, returns, or outcomes. All investments carry risk, including the potential loss of principal.

Independent Decision Making

You are solely responsible for your investment decisions. Neither Carlisle Capital Management nor Robin Hood will be liable for any losses or damages resulting from your investment choices.

Professional Advice

This community does not replace the need for professional financial advice tailored to your specific circumstances. Always consult with licensed financial professionals before making investment decisions.

Regulatory Status

This community is not a registered investment advisory service. Robin Hood's personal investment activities and Carlisle Capital Management's operations are separate from this educational community.

Forward-Looking Statements

Any forward-looking statements or projections are based on current expectations and involve risks and uncertainties. Actual results may differ materially.

By joining this community, you acknowledge that you understand and accept these disclaimers.

⚠️ INVESTMENT RISKS - IMPORTANT NOTICE

General Investment Risks

All investments involve risk, including the potential loss of principal. You should carefully consider the following risks before making any investment decisions:

Market Risk

• Stock prices can fluctuate widely due to market conditions
• Economic downturns can significantly impact investment values
• Global events can cause unexpected market volatility
• Bull markets do not last forever, and corrections are inevitable

Technology Sector Risks

Investments in technology and disruptive innovation stocks carry additional risks:

• Higher volatility compared to traditional sectors
• Rapid technological changes can make companies obsolete
• Regulatory uncertainties, especially for emerging technologies
• Intense competition and market disruption
• High valuations that may not be sustainable

Growth Stock Risks

• Growth stocks are more volatile than value stocks
• Higher sensitivity to interest rate changes
• Profitability may be delayed or uncertain
• Premium valuations can lead to significant declines if growth slows

Global Macro Risks

• Geopolitical tensions can impact global markets
• Currency fluctuations affect international investments
• Policy changes can have widespread market effects
• Economic cycles vary across different regions

Leverage and Derivatives Risks

If you use leverage or derivative instruments:

• Losses can exceed your initial investment
• Margin calls may force liquidation at unfavorable prices
• Complexity increases risk of misunderstanding
• Not suitable for all investors

Liquidity Risk

• Some investments may be difficult to sell quickly
• During market stress, liquidity can disappear rapidly
• Forced selling can result in substantial losses

Concentration Risk

• Concentrated positions increase portfolio volatility
• Lack of diversification amplifies losses
• Sector-specific risks can have outsized impact

Information Risk

• Information shared in the community may be incomplete or incorrect
• Market conditions change rapidly
• Historical patterns may not repeat
• Analysis can be wrong or based on faulty assumptions

Emotional Risk

• Fear and greed can lead to poor decisions
• FOMO (fear of missing out) can cause overextension
• Panic selling often locks in losses
• Overconfidence can lead to excessive risk-taking

⚠️ Critical Reminders

• Only invest what you can afford to lose
• Diversification is essential to risk management
• Have an emergency fund before investing
• Don't invest borrowed money in risky assets
• Maintain a long-term perspective
• Regularly review and rebalance your portfolio
• Seek professional advice for your specific situation

By proceeding, you acknowledge that you understand these risks and accept full responsibility for your investment decisions.