Disclaimer

Summary

Cowlpane publishes financial news aggregations for informational purposes only. We are not regulated by BaFin or any financial authority. Nothing on this site is investment advice. You may lose money investing or trading. Always consult a qualified, regulated financial adviser before making any financial decision.

1. Not Investment Advice

All content published on Cowlpane — including articles, summaries, market data, analysis, and any newsletter — is for informational and educational purposes only. It does not constitute, and must not be construed as, investment advice, financial advice, trading advice, legal advice, or any other form of regulated advice within the meaning of:

• Directive 2014/65/EU (MiFID II)
• Wertpapierhandelsgesetz (WpHG — German Securities Trading Act)
• Kapitalanlagegesetzbuch (KAGB)
• Any other applicable financial services regulation

No content on this site constitutes a personalised investment recommendation. Cowlpane does not know your financial situation, risk tolerance, or investment objectives.

2. Not Regulated by BaFin

Cowlpane is operated as an independent news aggregator. It is not registered with, authorised by, or supervised by the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), the European Securities and Markets Authority (ESMA), or any other financial regulatory authority. We do not hold any licence to provide investment services or investment advice.

3. Investment Risk

All investments carry risk. The value of investments can go down as well as up, and you may lose some or all of your capital. Past performance is not indicative of future results.

Cryptocurrency and digital assets are highly speculative instruments subject to extreme price volatility. Their value can fall to zero. They are not covered by any deposit protection scheme.

CFDs (contracts for difference), leveraged products, and derivatives carry additional risk. The majority of retail investor accounts lose money when trading CFDs. Make sure you understand how these products work and whether you can afford to take the risk of losing your money.

4. No Warranty on Accuracy

Cowlpane aggregates and summarises content from third-party news sources using automated processes. While we make reasonable efforts to ensure accuracy, we make no warranty, express or implied, as to the completeness, accuracy, timeliness, or fitness for any particular purpose of any content published on this site. Market data, prices, and statistics shown are for reference only and may be delayed or inaccurate.

5. Sponsored and Affiliate Links

Cowlpane displays sponsored partner cards for third-party service providers (currently Abacus.AI and root seven consulting). These are commercial relationships, not editorial endorsements. Cowlpane may receive compensation for clicks or sign-ups via these links, at no additional cost to you. Sponsored cards are labelled "Sponsored" and carry rel="noopener sponsored" in accordance with Google's guidelines.

The inclusion of any company as a sponsored partner does not constitute a recommendation of that company's products or services. You should independently review the provider's terms before engaging with them.

6. Newsletter

The Cowlpane newsletter delivers daily summaries of publicly available financial news and market information. It does not provide personalised investment recommendations, trading signals, or regulated financial advice. Content is selected and summarised by automated processes and does not reflect any professional financial analysis.

7. Seek Professional Advice

Before making any investment or trading decision, you should seek independent advice from a financial adviser who is authorised and regulated in your jurisdiction. In Germany, regulated advisers are listed in the BaFin register at bafin.de.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Cowlpane and its operator (Thomas Jeric) shall not be liable for any loss or damage, direct or indirect, arising from reliance on any content published on this site. This includes, without limitation, any trading losses, investment losses, or consequential damages.