Legal & Disclaimer

By accessing or using the website, reports, scores, or data provided by DistressSignal, you acknowledge and agree to be bound by the terms, conditions, and disclaimers set forth below.

1. Academic Modeling & Predictive Scoring

The Danger Scores and Risk Levels (Critical, Medium, Safe) published by DistressSignal are outputs of mathematical algorithms trained on historical corporate filing datasets. They represent statistical default probabilities over a 12-month forward horizon and do not reflect subjective human opinions, ratings, or qualitative audits of the companies evaluated.

2. No Investment Advice

DistressSignal is not a registered investment advisor, broker-dealer, or financial analyst. The content of this website:

• Does not constitute financial, investment, legal, tax, or reorganization advice.
• Should not be construed as a recommendation to buy, sell, hold, short, or otherwise trade any security, debt obligation, or financial instrument.
• Must not be used as the sole or primary basis for any investment decisions.

We strongly recommend consulting with a licensed financial professional or investment advisor before committing capital to distressed security positions or credit instruments.

3. Accuracy of Data

While we strive to ensure the input data (primarily SEC 10-K and 10-Q filing figures) is extracted accurately, financial databases may contain errors. DistressSignal does not guarantee the completeness, timeliness, or accuracy of the underlying data or the resulting predictive outputs. All reports are provided on an “as-is” and “as-available” basis.

4. Limitation of Liability

In no event shall DistressSignal, its parent entity, its developers, or its data providers be liable for any direct, indirect, special, incidental, or consequential damages (including, without limitation, investment losses, loss of profits, business interruption, or legal expenses) arising out of the use, inability to use, or reliance upon the information provided on this website.