Disclaimer page header for Pips Journal showing legal documents, a balance scale with gold bars, and caution symbols representing trading risks.
Please read our full disclaimer and risk warning before following any gold analysis or trading signals on Pips Journal.

Effective Date: January 19, 2026
Last Updated: January 19, 2026

Please read this Disclaimer carefully before using pipsjournal.tech website or any services provided by Muhammad Usman Ali (PipsJournal). By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer.

1. Educational Purpose Only

1.1 Nature of Content

All content provided on pipsjournal.tech, including but not limited to:

  • Daily gold analysis
  • Weekly gold analysis
  • Market forecasts and predictions
  • Technical analysis and charts
  • Trading strategies and setups
  • Risk management guidance
  • Forex calculator tools
  • WhatsApp communications
  • Email correspondence

Is provided for educational and informational purposes only.

1.2 Not Financial Advice

PipsJournal does not provide:

  • Investment advice
  • Financial planning services
  • Portfolio management
  • Broker recommendations
  • Trading signals (we provide analysis, not signals)
  • Personalized investment recommendations
  • Tax advice
  • Legal advice

We are not:

  • Licensed financial advisors
  • Registered investment advisors
  • Certified financial planners
  • Licensed brokers or dealers
  • Fiduciary advisors
  • Tax professionals
  • Legal professionals

2. High Risk Warning

2.1 Substantial Risk of Loss

WARNING: Trading forex, gold (XAU/USD), silver (XAG/USD), Bitcoin, and other financial instruments involves substantial risk of loss and is not suitable for all investors.

You could lose:

  • Your entire investment
  • More than your initial deposit (with leveraged products)
  • Money you cannot afford to lose

2.2 Leverage Risks

Leveraged trading can work against you as well as for you:

  • Small market movements can result in large losses
  • Margin calls can force position closure at unfavorable prices
  • Losses can exceed initial deposits
  • High volatility in precious metals amplifies both gains and losses

2.3 Volatility Risks

Gold, silver, and Bitcoin markets experience:

  • Rapid price movements (100+ pips in minutes)
  • Gap openings after weekend or holiday closures
  • Flash crashes during low liquidity periods
  • Extreme volatility during geopolitical events
  • Unpredictable reactions to economic data releases

2.4 Specific Market Risks

Gold & Silver:

  • Affected by Federal Reserve policy changes
  • Geopolitical tensions create unpredictable spikes
  • Central bank interventions can reverse trends suddenly
  • Supply and demand imbalances cause extended moves

Bitcoin & Cryptocurrencies:

  • Extreme volatility (20%+ daily moves possible)
  • Regulatory uncertainty affecting prices
  • Exchange security risks
  • Liquidity risks during market stress
  • Lack of regulatory protection

Forex Pairs:

  • Central bank surprise decisions
  • Political events causing currency crashes
  • Interest rate differentials changing rapidly
  • Correlation breakdown during crises

3. No Guarantees or Promises

3.1 Past Performance

Past performance does not guarantee future results.

  • Historical analysis shown on pipsjournal.tech reflects past market behavior only
  • Previous profitable trades do not predict future profitable trades
  • Market conditions change constantly
  • What worked before may fail in future

3.2 No Profit Guarantees

We make no representations or guarantees regarding:

  • Profitability of any trading strategy
  • Accuracy of analysis or forecasts
  • Success rate of trade setups
  • Win/loss ratios
  • Drawdown periods
  • Recovery from losses

3.3 Accuracy of Information

While we strive for accuracy, we cannot guarantee:

  • 100% accuracy of market analysis
  • Correctness of all data and statistics
  • Timeliness of information (markets move fast)
  • Absence of errors or omissions
  • Reliability of third-party sources cited

Markets are unpredictable. Analysis can be wrong. Forecasts can fail. This is normal nature of financial markets.

4. Personal Responsibility

4.1 Your Decisions, Your Risk

You are solely responsible for:

  • All trading decisions you make
  • Proper position sizing for your account
  • Setting appropriate stop losses
  • Managing your risk tolerance
  • Determining suitability of trades for your situation
  • Understanding instruments you trade
  • Verifying all information independently
  • Seeking professional advice when needed

4.2 Independent Verification

You must:

  • Conduct own research before trading
  • Verify all analysis and data independently
  • Understand risks fully before risking capital
  • Not rely solely on PipsJournal content
  • Consult licensed professionals for advice
  • Make informed decisions based on multiple sources

4.3 Suitability Assessment

You must determine if trading is suitable for you based on:

  • Financial situation and resources
  • Risk tolerance and experience
  • Investment objectives
  • Time commitment available
  • Psychological ability to handle losses
  • Understanding of leverage and margin

Trading is not suitable for:

  • People who cannot afford to lose money
  • Those with low risk tolerance
  • Individuals lacking trading knowledge
  • Anyone needing guaranteed income
  • People with insufficient capital ($500+ minimum recommended)
  • Those unable to control emotions during losses

5. No Professional Relationship

5.1 Educational Relationship Only

Using pipsjournal.tech does not create:

  • Financial advisor-client relationship
  • Fiduciary duty on our part
  • Professional services agreement
  • Obligation to provide personalized advice
  • Guarantee of support or availability
  • Any form of partnership or agency

5.2 No Ongoing Obligation

PipsJournal has no obligation to:

  • Continue providing analysis or content
  • Update past analysis or forecasts
  • Monitor your trading results
  • Alert you to changing market conditions
  • Provide customer support beyond goodwill
  • Respond to all communications

We provide free educational content as goodwill service. We reserve right to discontinue at any time without notice.

6. Third-Party Content and Links

PipsJournal may contain links to third-party websites including:

  • News sources (Guardian, Reuters, Bloomberg, etc.)
  • Data providers (Atlanta Fed, Bureau of Economic Analysis)
  • Broker platforms
  • Analysis sites (FOREX.com, MarketPulse, etc.)

We are not responsible for:

  • Content on third-party websites
  • Accuracy of external information
  • Privacy practices of other sites
  • Security of linked platforms
  • Services or products offered by third parties
  • Any losses from using external sites

Clicking external links is at your own risk.

6.2 Tool and Calculator Disclaimers

Free calculators provided on pipsjournal.tech:

  • Are educational tools only
  • May contain errors or inaccuracies
  • Should not be solely relied upon
  • Require verification before using results
  • Do not guarantee trading success
  • Are provided “as is” without warranty

Always double-check calculations manually or with multiple tools.

7. Technical Disclaimer

7.1 Website Availability

We do not guarantee:

  • Continuous website availability
  • Error-free operation
  • Virus-free content
  • Compatibility with all devices
  • Uninterrupted access to content
  • Data security during transmission

7.2 Data Accuracy

Market data and analysis may be:

  • Delayed or not real-time
  • Subject to errors or omissions
  • Outdated due to fast-moving markets
  • Based on incomplete information
  • Affected by data provider issues

Always verify with real-time sources before trading.

8. Specific Disclaimers

8.1 Gold & Silver Analysis

Daily and weekly gold analysis provided reflects:

  • Personal opinion of Muhammad Usman Ali
  • One possible interpretation of market conditions
  • Educational perspective, not trading advice
  • Analysis subject to rapid change as markets evolve

Gold and silver trading involves high risk:

  • Geopolitical events cause unpredictable spikes
  • Federal Reserve policy changes affect prices dramatically
  • Central bank buying/selling creates volatility
  • 100+ pip moves common within hours
  • Weekend gaps can bypass stop losses

8.2 Federal Reserve and Economic Analysis

Commentary on Federal Reserve policy, economic data, and central bank activities:

  • Reflects educational discussion, not prediction
  • Based on publicly available information
  • Subject to interpretation and error
  • Cannot predict policy changes accurately
  • Does not constitute economic or political advice

8.3 Forecast and Target Disclaimers

Price targets, forecasts, and projections mentioned:

  • Are theoretical based on technical analysis
  • Do not guarantee price will reach these levels
  • Can be invalidated by market conditions rapidly
  • Should not be treated as certainties
  • Require confirmation before acting upon

Markets can and do behave irrationally.

8.4 Big Target Philosophy

Our emphasis on 200-250 pip minimum targets:

  • Reflects trading philosophy, not guarantee
  • Requires appropriate risk management
  • May not suit all trading styles
  • Does not guarantee profitability
  • Requires psychological ability to hold positions
  • May result in more stop losses initially

Different approaches work for different traders.

8.5 Psychology and Timeline Guidance

Statements about 3-4 year learning timeline:

  • Based on general observation, not universal rule
  • Some traders succeed faster, many take longer
  • Individual results vary dramatically
  • No guarantee of success even after years
  • Requires consistent effort and discipline

Trading success is not guaranteed for anyone.

9. Limitation of Liability

9.1 No Liability for Losses

To maximum extent permitted by law, PipsJournal and Muhammad Usman Ali shall not be liable for:

  • Trading losses of any amount
  • Missed opportunities or profits
  • Inaccurate analysis or forecasts
  • Technical issues or website downtime
  • Errors in calculators or tools
  • Decisions based on our content
  • Indirect, consequential, or punitive damages
  • Loss of data or business interruption
  • Any damages arising from use of our services

9.2 Use at Own Risk

You acknowledge and agree that:

  • You use pipsjournal.tech entirely at your own risk
  • All content is provided “as is” without warranties
  • We make no guarantees of any kind
  • You will not hold us liable for any losses
  • You accept full responsibility for trading decisions

9.3 Maximum Liability

In jurisdictions not allowing full limitation of liability, our maximum liability to you for any claims shall not exceed $0 (zero dollars).

10. Regulatory Compliance

10.1 Not Regulated Activity

PipsJournal operates as educational service and is not:

  • Registered with any financial regulatory authority
  • Subject to financial services regulation
  • Operating as investment advisor requiring registration
  • Providing services requiring licensing

10.2 Jurisdiction-Specific Regulations

Users are responsible for:

  • Complying with local laws and regulations
  • Determining if trading is legal in their jurisdiction
  • Ensuring they meet age requirements (18+ or jurisdiction minimum)
  • Following tax reporting obligations
  • Understanding local consumer protection laws

Different countries have different rules. Trading may be restricted or prohibited in certain jurisdictions. Verify legality before trading.

10.3 Pakistan-Specific Notice

For users in Pakistan:

  • Forex and CFD trading may be subject to regulations
  • Currency controls may apply
  • Tax implications should be verified with tax professional
  • Banking regulations may restrict fund transfers
  • Users should verify legality with local authorities

We are not responsible for your regulatory compliance.

11. Changes to Disclaimer

11.1 Right to Modify

PipsJournal reserves right to modify this Disclaimer at any time without prior notice.

Changes become effective:

  • Immediately upon posting to website
  • Without requirement to notify users individually
  • Whether or not you review updated version

11.2 Your Responsibility

You are responsible for:

  • Reviewing Disclaimer periodically
  • Checking “Last Updated” date
  • Understanding current terms
  • Discontinuing use if you disagree with changes

Continued use after changes constitutes acceptance.

12. Contact for Questions

If you have questions about this Disclaimer:

Email: admin@pipsjournal.tech
WhatsApp: +923408747609

Note: Contact does not create professional relationship or obligation to respond. Questions answered on goodwill basis only.

13. Severability

If any provision of this Disclaimer is found invalid or unenforceable:

  • Remaining provisions continue in full force
  • Invalid provision shall be modified to achieve intent
  • Severability does not affect overall enforceability

14. Entire Agreement

This Disclaimer, together with:

  • Terms and Conditions
  • Privacy Policy
  • About Us page

Constitutes entire agreement regarding use of pipsjournal.tech and supersedes all prior agreements or understandings.

15. Acknowledgment

By using pipsjournal.tech, you acknowledge that:

  1. You have read and understood this entire Disclaimer
  2. You accept all risks associated with trading
  3. You will not hold PipsJournal liable for any losses
  4. You understand trading involves substantial risk
  5. You are solely responsible for your trading decisions
  6. You will seek professional advice when appropriate
  7. You understand no guarantees or promises are made
  8. You agree to all limitations of liability stated herein
  9. You will verify all information independently
  10. You accept that past performance does not guarantee future results

TRADING INVOLVES SUBSTANTIAL RISK OF LOSS. ONLY TRADE WITH MONEY YOU CAN AFFORD TO LOSE COMPLETELY.

Last Updated: January 19, 2026
Effective Date: January 19, 2026
Version: 1.0

© 2021-2026 PipsJournal. All rights reserved.

For full legal terms, also review: