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Disclaimers — Standard copy blocks for site, Decoder, articles, and emails

Purpose: This document provides the canonical disclaimer copy that must appear in specific places throughout GoldIRADecoder. Use the exact wording. Do not paraphrase without legal review.

Audience: Sunday's Claude Code session, future content writers, future legal review.

1. The Master Disclaimer (long form — for /disclaimers page)

Not financial, investment, legal, or tax advice.

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GoldIRADecoder is a fee-transparency analysis tool. We are not a Registered Investment Adviser, broker-dealer, Certified Financial Planner, or tax advisor. The information we provide — including Decoder analyses, company reviews, recommended alternatives, fee classifications, and the PDF Buyer's Guide — is general in nature and is not tailored to your specific financial situation, risk tolerance, retirement goals, or tax position.

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The Decoder analyzes fees, not investments. The Decoder reads the fees in your quote and compares them against published industry benchmarks. It does not analyze whether gold or any other precious metal is appropriate for your retirement portfolio. It does not predict future gold prices. It does not recommend an allocation percentage. For any of those questions, consult a fee-only fiduciary financial advisor.

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Investment in precious metals involves risk. Precious metals prices fluctuate. Past performance does not guarantee future results. You may lose money on a precious metals investment, including via fee drag, market price decline, or both. Precious metals investments are not FDIC-insured.

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Our analysis is based on publicly available data. Industry benchmark ranges are sourced quarterly from BBB, Trustpilot, SEC EDGAR filings, CNBC, Money.com, Consumer Affairs, RareMetalBlog, and each company's own published fee disclosures. Where exact fees are not published, we use ranges from aggregated customer reports. The data may be incomplete, out of date, or imperfect. Verify fees directly with any company before signing.

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The Decoder uses AI. The fee extraction step is performed by Anthropic's Claude AI model. AI extraction is probabilistic — it may misread a fee, miss a fee, or incorrectly identify a company. You are responsible for verifying the extracted information against your actual quote before relying on the analysis.

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Recommendations are by fit, not by payout. We earn affiliate commissions from some — not all — of the companies we recommend. We recommend by fit and transparency, never by payout. See our Affiliate Disclosure for full details. We will never recommend a company that is the same as the one being analyzed in your Decoder result, and we will never recommend a company on our internal blacklist (currently: Red Rock Secured, due to active SEC enforcement action).

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Consult a fee-only fiduciary advisor before making retirement-account decisions. A fee-only fiduciary has a legal obligation to act in your best interest and is paid by you (not by commissions). At the investment sizes typical of Gold IRAs, a one-time $150–300 consultation is small compared to the long-term cost of a wrong decision.

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GoldIRADecoder is not affiliated with any IRA company. We are an independent analysis tool.

2. The Inline Disclaimer (short form — for Decoder result pages, article footers)

Not financial advice. GoldIRADecoder is a fee analyzer, not a Registered Investment Adviser. The analysis above is based on publicly available benchmark data and may be incomplete or out of date. Verify all fees directly with the company before signing. For personalized investment advice, consult a fee-only fiduciary advisor. Full disclaimers.

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3. The Footer Disclaimer (compact — for site-wide footer)

Not financial advice. GoldIRADecoder provides fee analysis and educational content. This is not personalized investment advice. Consult a fee-only fiduciary advisor for advice specific to your situation. We may earn affiliate commission when you sign up with a recommended partner — see our Affiliate Disclosure. Reviewed by Niko Polydorou. Full disclaimers.

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4. The Email Footer Disclaimer (for transactional + marketing emails)

This email contains general educational information about Gold IRA fees and is not personalized investment advice. GoldIRADecoder is not a Registered Investment Adviser. We may earn commission if you sign up with a recommended partner. Full disclaimers · Affiliate disclosure · Unsubscribe

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5. The AI-Powered Decoder Disclaimer (for Decoder result pages)

AI-assisted analysis. The fee extraction in your Decoder result is performed by Anthropic's Claude AI model based on the text or image you submitted. The benchmark data and fairness thresholds are human-curated by GoldIRADecoder. AI extraction is probabilistic — please verify the extracted fees against your actual quote before acting on the analysis. If a fee was mis-extracted, email methodology@goldiradecoder.com with your Quote ID.

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6. The Affiliate Inline Notice (adjacent to every affiliate CTA)

Three approved variants, choose by context:

6a. Standard (Decoder result alternatives)

We may earn a commission if you sign up with [Company]. We recommend by fit, not payout. How we make money.

6b. Compact (article body, in-line)

(Affiliate link — how this works.)

6c. PDF Guide CTA

Free with email signup. We may match you with one Gold IRA partner of your choice — only the one you select. We do not sell lists. Privacy policy.

7. The TCPA Consent Block (for the lead capture form)

This is the EXACT consent UI for the lead capture form. Do not modify wording without legal review.

``` ☐ I'd like to be matched with [SELECTED PARTNER COMPANY]

By checking this box, I consent to be contacted by [SELECTED PARTNER COMPANY] (and only this specific company) by phone or text regarding a Gold IRA quote. I understand:

• This consent is NOT a condition of receiving the free PDF guide • Consent can be revoked anytime by emailing privacy@goldiradecoder.com • Standard message and data rates may apply • [SELECTED PARTNER COMPANY]'s privacy policy applies to their use of my information, available at [PARTNER PRIVACY POLICY URL]

GoldIRADecoder will not share my contact with any other company. ```

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8. The Methodology Inline Notice (for Decoder result + recommendations)

Our 5-year cost projection uses each company's documented spread range — Augusta on the low end (5%), Goldco using the spread quoted to you. Industry benchmark ranges come from public sources updated quarterly. Full methodology.

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9. The Red Rock Secured Case Study Disclaimer (for that specific page only)

Every claim on this page about Red Rock Secured LLC is sourced to public SEC filings and is a matter of public record. The May 2023 SEC complaint, the 2024 settlement, and the disgorgement payment are documented in the linked SEC litigation release. We feature this case study to illustrate what predatory precious-metals pricing looks like, not to imply that other companies in our database engage in similar conduct.

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10. Implementation checklist for Sunday's Claude Code session

When wiring these into the Next.js site, ensure:

Operator: Niko Polydorou Contact: hello@goldiradecoder.com