Legal
Disclaimer
Important: OutsmartMoney.ai is a non-commercial website for education and entertainment only. It is not financial advice. We are not financial advisers and we are not authorised or regulated by the Financial Conduct Authority. Your capital is at risk.
The short version
The disclaimer in plain English
This summary restates the disclaimer below in everyday language. If the two ever seem to differ, the full disclaimer is the one that counts.
- Not advice
- We aren't financial advisers and aren't authorised or regulated by the FCA. Nothing here is a recommendation to buy or sell anything.
- Investing is risky
- Values can fall as well as rise, you may get back less than you put in, and past performance is not a reliable guide to the future.
- Data isn't guaranteed
- Prices and figures come from third parties and can be delayed, incomplete or wrong. AI summaries are machine-written and can contain mistakes.
- Get regulated advice
- For decisions about your own money, speak to an independent adviser authorised by the FCA, who can take your circumstances into account.
1. Education and entertainment only
OutsmartMoney.ai is a non-commercial educational project run by David Bryan under InnovatingTech, the name for his personal projects (not a company). Contact: info@outsmartmoney.ai
All content, including articles, research, charts, calculators, trend scores, AI-written summaries, daily wraps and the Crypto Bargains and Momentum Scanner tools with their zone labels, is published in good faith for general education and entertainment. It does not take account of your personal circumstances, objectives or attitude to risk.
2. Not financial advice, and not regulated
Nothing on the site is financial, investment, tax or legal advice. We are not financial advisers, and neither the site nor David Bryan is authorised or regulated by the Financial Conduct Authority (FCA). You should not rely on anything on the site when making an investment decision.
3. No recommendation or offer
Nothing on the site is a recommendation, solicitation or offer to buy, sell or hold any investment, cryptoasset or financial product. Mentions of particular shares, funds, coins or indices are for illustration and education only.
4. Investment risk
The value of investments, and any income from them, can fall as well as rise, and you may get back less than you invest. Past performance is not a reliable indicator of future results. Scenarios, projections or illustrations in our research are based on stated assumptions, are not forecasts and may not happen.
5. Cryptoassets
Important information
Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong.
Cryptoassets are largely unregulated in the UK, so you are unlikely to have access to the Financial Ombudsman Service or the Financial Services Compensation Scheme if something goes wrong. Educational information only, not financial advice. Read our disclaimer.
Cryptoasset prices can move sharply in either direction over very short periods. See the FCA's guide to crypto basics for more on the risks.
6. Data sources and accuracy
The data on the site comes from third parties. We do not warrant that it is complete, accurate or up to date, and it may be delayed, interrupted or wrong. If a source fails, we keep showing its last good value with the time it was collected. Current sources, as used in the site's code:
| Data | Source |
|---|---|
| US shares, ETFs and the Nasdaq-100 | Nasdaq, with Yahoo Finance as a fallback. US share prices can be up to 15 minutes delayed while the market is open. |
| S&P 500, Dow Jones, FTSE 100, gold, oil and currencies | Yahoo Finance where available. If Yahoo Finance is unavailable these rows are hidden, except gold, which falls back to the CoinGecko price of PAX Gold. |
| Crypto prices | CoinGecko, with DeFiLlama and Binance as fallbacks. |
| Crypto price history | Kraken and CoinGecko. |
| Crypto Fear & Greed index | alternative.me. |
| Economic data | US Bureau of Labor Statistics (US CPI), Federal Reserve H.6 (M2 money supply), Federal Reserve Bank of New York (effective federal funds rate), US Treasury (Treasury yields), Office for National Statistics (UK CPI), Bank of England (Bank Rate) and the European Central Bank (reference exchange rates). |
| News headlines | RSS feeds from CNBC, MarketWatch, BBC Business, CoinDesk, the Federal Reserve and the Bank of England. |
| Crypto Bargains: prices, market totals and coin search | CoinGecko (coin markets, global market figures and search). The Bitcoin block height behind the halving countdown comes from mempool.space. |
| Crypto Bargains: sentiment and derivatives | The Fear & Greed index from alternative.me, and funding rates and open interest from OKX. |
| Crypto Bargains: daily price history for RSI and charts | Binance first, then Kraken, with CoinGecko as the last fallback. |
| Crypto Bargains: project health | Public activity on each project's GitHub repositories. |
| Momentum Scanner: US share movers and charts | Nasdaq's screener for the list of movers, with Yahoo Finance as the fallback. Intraday charts come from Yahoo Finance first, with Nasdaq as the fallback. |
| Momentum Scanner: news and catalysts | Google News RSS headlines, SEC EDGAR filings and Nasdaq trading halts. |
| Momentum Scanner: crypto pairs | Binance and Coinbase public market data. While the page is open your browser streams prices from both exchanges directly; the scheduled scan uses their public APIs. |
7. AI summaries and trend scores
- AI summaries
- Market summaries, asset notes and daily wraps are written automatically by an AI model (Anthropic's Claude, or an OpenAI model if we switch provider) from the data above. We check the figures in each draft against our data before publishing, but AI-written text can still be wrong, out of date or misleading.
- Trend scores
- Trend scores are calculated by fixed rules from past prices; they describe what has happened and do not predict future prices.
8. Zone labels and cycle targets in the tools
Crypto Bargains places each coin in one of five zones: Deep discount, Discount, Mild discount, Fair value or Expensive. Each describes the coin's price against its own usual range at the same point in earlier cycles. The Momentum Scanner marks each mover Passes checks, Mixed or Fails checks, depending on how many of its published checks the move meets.
The tools used trading words such as "buy zone" when they moved onto this site on 10 October 2026, and we changed them on 12 October 2026 to plain descriptions of price and checks. Either way, what sits behind each label is a model working through the public data in section 6, using rules we publish in full on the Crypto Bargains methodology and how the scanner works pages.
So a zone only tells you how a coin or share looked against those rules at the last refresh: how far below its all-time high it was, how fearful the market was, what funding rates were doing, or how many of the scanner's checks it passed.
It knows nothing about you or what else you hold, and two coins in the same zone can carry very different risks, which is why we don't treat a label as a personal recommendation and would ask you not to either.
Cycle targets need a note of their own. The low, base and high values are illustrative scenarios worked out from how prices behaved in earlier crypto cycles, each shown with its assumption beside it, for example a coin getting back a set share of its previous high.
There have only been a handful of those cycles, the latest of which saw Bitcoin peak at $126,080 on 6 October 2025, and that is far too few to say the next one will follow the same path, so we read the targets as a picture of past behaviour rather than a forecast.
The scanner's entry, stop and target levels are simpler. They are arithmetic from the rules and risk amount you set, there for practice and record-keeping, and neither tool can place an order or connect to a trading account.
9. Get independent, regulated advice
Before making any investment decision, consider seeking advice from an independent financial adviser who is authorised by the FCA. You can check whether a firm or adviser is authorised on the FCA Register.
10. Contact
Questions about this disclaimer: info@outsmartmoney.ai or the contact page.
On this page
Questions about this disclaimer
info@outsmartmoney.aiDisclaimer questions
Is a high trend score a reason to buy?
No. The score adds up how a price has behaved over the past few months, whether it sits above its moving averages, how far it moved last month, its RSI and how far it is below its high, and labels anything at 65 or above Uptrend. A high number only means the run so far has been strong. Strong runs can carry on or reverse and the score cannot tell which, so we would never treat it as a reason to buy, and section 7 explains why.
Why does the site talk about beating inflation if it is not advice?
Because the research describes what has happened to money over a long period, which is a different thing from telling anyone what to do with theirs. The Illusion of Wealth series lines up a century of returns against the growth of the US money supply and shows why cash has lost ground. It can't weigh up your timescale, your other savings or how you would cope with a loss, and those are the first things a regulated adviser would ask about.
Does "Deep discount" or "Passes checks" mean I should buy?
No, and we'd be worried if anyone read it that way. The label is the band a coin's zone score falls into at the last refresh or, on the scanner, a summary of how many of the published checks a mover passed, and neither knows anything about your savings, your timescale or how a loss would affect you. The labels are short because they are quick to read. The catch is that a coin can reach Deep discount largely by falling a very long way, 90% or more below its high, and plenty of coins that fell that far in earlier cycles never came back. Section 8 explains how the zones and cycle targets are built, and the methodology pages go through every rule.
What if a price on the site is wrong or out of date?
It can happen. Our prices pass through outside providers before they reach us, US share prices can be up to 15 minutes behind, and when a source fails we keep showing its last good figure with the time it was collected. Always check a price with your broker before you trade on it, and if something looks wrong, tell us through the contact page with the page address and roughly when you saw it.