Effective Date: May 2026
Overview
This Disclaimer applies to all content published on https://truecapitaltalk.com and delivered through the True Capital Talk newsletter, including the Inflation Calculator. True Capital Talk is operated by TerraTrance Technologies, LLC (referred to here as “we,” “us,” or “our”). This Disclaimer is part of, and incorporated by reference into, the True Capital Talk Terms & Conditions. By accessing the site, by subscribing to the newsletter, by using the Inflation Calculator, or by otherwise using the Services, you acknowledge that you have read, understood, and accepted this Disclaimer.
1. Editorial and Informational Purpose Only
All content published on True Capital Talk, including articles, headlines, summaries, price predictions, market commentary, cryptocurrency and digital-asset coverage, the Inflation Calculator, embedded media, newsletter content, and any other communication delivered under our brand, is provided for general editorial, educational, and informational purposes only. It is journalism — not advice. It is not tailored to any individual reader’s circumstances, objectives, financial situation, tax position, or needs.
2. Financial Content — Important Notices
2.1 No Investment Advice
TRUE CAPITAL TALK DOES NOT PROVIDE INVESTMENT ADVICE. NOTHING ON THE SITE OR IN OUR NEWSLETTER, INCLUDING THE INFLATION CALCULATOR OR ANY MARKET-RELATED ARTICLE, CONSTITUTES (A) PERSONALIZED INVESTMENT ADVICE, (B) A RECOMMENDATION TO BUY, SELL, OR HOLD ANY SECURITY, CRYPTOCURRENCY, DIGITAL ASSET, FOREIGN-EXCHANGE PAIR, DERIVATIVE, OR OTHER FINANCIAL INSTRUMENT, (C) FINANCIAL PLANNING, (D) TAX ADVICE, (E) LEGAL ADVICE, (F) BROKERAGE OR DEALER SERVICES, OR (G) AN OFFER OR SOLICITATION TO BUY OR SELL ANY SECURITY OR OTHER FINANCIAL PRODUCT.
2.2 Not a Registered Investment Adviser, Broker-Dealer, or Financial Institution
Neither TerraTrance Technologies, LLC nor True Capital Talk is registered with the United States Securities and Exchange Commission (SEC) as an investment adviser, with the Financial Industry Regulatory Authority (FINRA) as a broker-dealer, with the Commodity Futures Trading Commission (CFTC), with any state securities regulator in any of those capacities, or with any equivalent foreign regulator. We do not act as a fiduciary for any reader, subscriber, or other party, and we owe no fiduciary duty in connection with any content we publish.
2.3 Consult a Licensed Professional
Before making any decision about investments, financial planning, taxes, or related matters, consult a licensed financial adviser, broker-dealer, certified financial planner, certified public accountant, or attorney who is qualified to advise you, who knows your circumstances, and who can take regulatory responsibility for the advice given. Never disregard professional advice, or delay in seeking it, because of something you read on True Capital Talk.
2.4 No Guarantees and Past Performance
We make no guarantees, representations, or warranties about the accuracy, completeness, timeliness, or usefulness of any financial information published on True Capital Talk. Markets move. Information goes out of date. Estimates are estimates. Past performance, whether of an individual stock, an index, a fund, an asset class, a strategy, a cryptocurrency, a token, or any other reference, is not indicative of future results and is not a guarantee of any future return.
2.5 All Investing Involves Risk
All investing involves risk, including the risk of loss of some or all of the capital you commit. Different asset classes, strategies, and instruments carry different and sometimes severe risks, including market risk, liquidity risk, credit risk, currency risk, geopolitical risk, regulatory risk, operational risk, and others. You should not invest money you cannot afford to lose, and you should not rely on any single source — including True Capital Talk — as the basis for an investment decision.
2.6 High-Risk Instruments
Some of the content on True Capital Talk relates to instruments that carry significantly elevated risk. These include but are not limited to options (such as puts and calls), futures, forex (foreign exchange — for example coverage of currency pairs such as USD/ZAR, USD/JPY, and others), contracts for difference (CFDs), margin trading, perpetuals, leveraged tokens, and any strategy that uses leverage. Losses on these instruments can exceed the amount initially committed. Most retail traders who use these instruments lose money. Information about these instruments on our site is for general education and reporting only and is not a recommendation to use any of them.
2.7 Inflation Calculator
The Inflation Calculator on True Capital Talk is provided as an educational and reference tool. It estimates the equivalent value of a dollar amount across years using historical consumer-price-index data. The calculator’s outputs are general approximations and are not personalized advice, financial planning, retirement planning, or any kind of recommendation. Inflation indices have known limitations: they reflect a basket of goods that may not match your individual spending pattern, they are revised over time, and they do not predict future inflation. Use the calculator’s output as a rough reference point only and consult a qualified professional for any decision that turns on inflation or purchasing-power assumptions.
3. Forward-Looking Statements
Much of our coverage — particularly in the cryptocurrency and stock-prediction categories — includes forward-looking statements. These are predictions, projections, scenarios, price targets, “price prediction” articles, technical-analysis chart calls, and other expressions of opinion about what may happen in markets. They are inherently uncertain. Actual results may differ materially from any prediction we publish. Markets can remain irrational longer than commentators can remain confident. Forward-looking statements should be treated as one input among many, not as a forecast you can rely on. The fact that an article is written in the form of a price prediction does not mean the predicted outcome is likely to occur, and it does not mean we have any special insight into the future direction of the asset.
4. Cryptocurrency and Digital Assets
Cryptocurrency and digital-asset coverage forms a substantial part of our editorial output. Cryptocurrencies and other digital assets carry distinct risks that go beyond those of traditional securities. If our coverage discusses any cryptocurrency, decentralized finance (“DeFi”) protocol, layer-2 network, token, stablecoin, perpetual contract, leveraged token, or other digital-asset product, you should be aware of the following:
- Extreme price volatility. Prices can change by very large amounts in very short periods, including outside normal market hours.
- Regulatory uncertainty. The legal and regulatory treatment of digital assets is evolving in the United States and abroad. Developments — including SEC and CFTC enforcement actions, court rulings, executive orders, and new legislation — can change the value, the legality, or the practical accessibility of any given digital asset overnight.
- Risk of total loss. It is possible to lose the entire amount committed to a digital asset, whether through a price decline, an exchange failure, a smart-contract exploit, a private-key compromise, a rug pull, a depeg of a stablecoin, or other causes.
- Exchange and custodial risk. Centralized exchanges have failed, been hacked, frozen withdrawals, or been subject to enforcement action. Custodial arrangements may not protect customer assets. Self-custody requires technical competence and exposes you to private-key loss.
- Smart-contract and protocol risk. DeFi protocols, bridges, oracles, and smart contracts are software and can contain bugs, design flaws, and exploitable vulnerabilities. Bridge hacks and oracle manipulation have resulted in nine-figure losses.
- Leverage and perpetuals risk. Perpetual contracts, leveraged tokens, and similar instruments can be liquidated when the price moves against the position by a relatively small amount. Liquidation can result in the loss of the entire position regardless of where the underlying asset trades minutes later.
- No federal deposit-style protection. Digital assets are not insured by the FDIC, the SIPC, or any equivalent program. There is no government-backed safety net for digital-asset holdings.
- Tax obligations. Trading and holding digital assets has tax consequences that are complex, jurisdiction-specific, and change over time. Consult a qualified tax professional.
- Liquidity risk. Many digital assets have limited liquidity. The price you can actually exit at may differ materially from the quoted price, especially during periods of stress or for low-cap tokens.
4.1 No Recommendation
Coverage of a cryptocurrency, token, protocol, or any other digital asset on True Capital Talk is not a recommendation to buy, sell, hold, stake, lend, or otherwise transact in that asset. The fact that we cover a token reflects general market relevance and reader interest, not editorial endorsement.
4.2 Third-Party Market Data
Where True Capital Talk displays prices, charts, market-cap figures, or similar data for cryptocurrencies or other instruments, that data is supplied by third-party providers and may be delayed, incomplete, or inaccurate. Do not place trades, transfer assets, or take any other transaction-related decision on the basis of data displayed on our site. Verify any price-sensitive information through your exchange, broker, wallet provider, or another authoritative source before acting.
5. Political and Opinion Content
True Capital Talk publishes political coverage and opinion pieces alongside reporting. Where content is opinion, commentary, or analysis, we identify it as such or the framing of the piece makes its character clear. Opinion content reflects the views of the named editor or contributor at the time of publication and is not a statement of fact, a prediction, or an endorsement of a candidate, party, policy, or position by TerraTrance Technologies, LLC. True Capital Talk does not coordinate with, endorse, oppose, or expressly advocate the election or defeat of any candidate for public office.
6. Affiliate, Advertising, and Material-Connection Disclosure
Under the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 C.F.R. Part 255), we are required to disclose material connections that could affect how readers evaluate the content we publish.
True Capital Talk is monetized through advertising and through partnerships with third-party companies whose offers are featured on the site or in our newsletter. We receive financial compensation from these advertising partners. The compensation can take several forms, including advertising fees, affiliate commissions paid when a reader takes a specified action with a partner, sponsored-content fees, and revenue-sharing arrangements. These constitute material connections under the FTC’s guides.
These material connections can influence which partners are featured, the frequency with which their offers appear, and how prominently they are placed. They do not direct our editorial coverage, which is selected and edited by the editorial team based on what we believe is most useful and relevant to readers. We aim to keep editorial and advertising distinct, and to label sponsored content where the line is not obvious.
When you click through from True Capital Talk to a third-party offer, the destination is not part of our site. The destination’s terms, privacy policies, and accuracy of representations are governed by that third party, not by us. Verify offers, terms, prices, and availability with the partner directly before transacting.
7. No Professional Licensure or Fiduciary Duty
We are not licensed as investment advisers, broker-dealers, financial planners, accountants, attorneys, digital-asset exchanges, or in any equivalent regulated capacity. None of our editors, writers, or contributors is acting in a licensed-professional capacity when contributing to True Capital Talk, even where their personal credentials or background touch on the subject. We owe no fiduciary duty to readers or subscribers and we do not act in your interest in the legal sense the term implies.
8. Information May Become Outdated
Markets, regulation, technology, political circumstances, and the underlying smart-contract code of digital assets all change. Information published on True Capital Talk reflects circumstances at the time of publication. We are not obligated to update articles or other content as facts evolve, and we do not represent that older content remains accurate. If you are making a decision that turns on a fact, verify the fact against a current authoritative source before acting.
9. Third-Party Content and Links
Our coverage references and links to third-party sources, websites, services, products, exchanges, wallets, and tools. We do not control these third parties and we are not responsible for the accuracy, completeness, availability, security, or content of any third-party material. Our reference to or link to a third party is not an endorsement of that third party.
10. Geographic Scope
True Capital Talk is published from the United States and is intended primarily for US readers. Our compliance posture is calibrated to United States law, including the rules and guidance of the FTC, the SEC, FINRA, the CFTC, the CAN-SPAM Act, and applicable state-level rules on advertising and consumer protection. Visitors from outside the United States access the site at their own risk and are responsible for compliance with the laws of their own jurisdiction. The legal and regulatory environment in another country may differ materially from the framework that governs us.
11. Privacy
TerraTrance Technologies, LLC is not a “covered entity” under the Health Insurance Portability and Accountability Act (HIPAA), is not a “financial institution” subject to the Gramm-Leach-Bliley Act (GLBA), and does not provide any service that would make it one. The handling of personal information collected through True Capital Talk is governed by our Privacy Policy. Do not transmit sensitive personal information — health information, financial-account credentials, government-issued identification numbers, private keys, seed phrases, exchange API keys, and similar — to True Capital Talk except as expressly required for a service we provide.
12. Modifications to This Disclaimer
We may update this Disclaimer to reflect changes in our coverage, our partnerships, applicable law, or the legal and regulatory environment. Updates take effect when posted to the site. The “Effective Date” at the top of this Disclaimer identifies the most recent revision. Continued use of the Services after an update indicates acceptance of the updated Disclaimer.
13. Severability
If any provision of this Disclaimer is held invalid or unenforceable, the remaining provisions remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.
14. Contact
Questions about this Disclaimer can be sent to:
TerraTrance Technologies, LLC
200 Broadway Blvd NE, Albuquerque, NM 87102
Email: support@truecapitaltalk.com