Financial Disclaimer

Last updated: October 29, 2026

This Financial Disclaimer applies to the articles, videos, examples, indicators, downloadable resources and tools provided by Temel Academy at temel.org. The website is operated by Goksel Temel.

General Education, Not Personalized Advice

Our content is intended for general information and education. It is not personalized investment, trading, financial, tax or legal advice. It does not consider your financial circumstances, objectives, experience or ability to bear losses. References to an asset, market, strategy or provider are not an instruction or recommendation for you to buy, sell, hold or trade.

Reading our content, using a tool or contacting us does not create an adviser-client relationship. Consider independent professional advice appropriate to your circumstances before making financial decisions.

Risk of Loss

Investing and trading involve uncertainty and can result in the loss of some or all of your capital. Leverage can amplify losses as well as gains. Cryptocurrency and other digital-asset markets may involve substantial volatility, liquidity constraints, custody risks and technology failures. A stablecoin’s target value is not a guarantee that its market price or redemption arrangements will always remain stable.

Historical and Hypothetical Results

Historical performance cannot reliably predict future results. Backtests and simulations are hypothetical exercises rather than records of actual trades executed with real money. They show what a set of rules might have produced under selected historical conditions and assumptions.

Backtesting results depend on the data source, date range, instruments, timeframe and strategy settings. Commissions, spreads, slippage, liquidity, order execution, funding costs and taxes may be omitted or modeled imperfectly. Hindsight, overfitting, survivorship bias and selection of favorable periods can make a strategy appear more effective than it would be in live trading. Real trading also involves financial and emotional pressures that a simulation cannot reproduce.

For further background, see the SEC investor bulletin on performance claims. This reference is educational and does not imply endorsement of Temel Academy.

Indicators, Examples and Temel Backtest Lab

Indicators can produce delayed, conflicting or false signals. Charts, trade examples and strategy settings are illustrations, not promises of profitability. No indicator or combination of indicators removes market risk.

Temel Backtest Lab is a research and learning resource. Its output should be interpreted alongside the assumptions, platform settings and data used. Review how the tool works, test settings carefully and verify results independently. We do not guarantee any particular return, win rate or live execution outcome.

Market Information and External Providers

Prices, economic releases, regulations, platform features and availability can change after publication. Information may be delayed, incomplete or contain errors. Check important facts against original sources and current provider documentation. Links to brokers, exchanges, platforms or other services do not guarantee their safety, suitability, regulatory status or performance.

Advertising, Affiliate Links and Conflicts

Temel Academy may receive revenue from advertising or commissions when readers purchase or register through affiliate links. Such relationships can create a commercial interest and should be considered when evaluating content. Sponsorship or an affiliate relationship does not make a product suitable for your circumstances. Review the provider’s terms, fees and risks independently. Our Editorial Policy explains our approach to commercial disclosures and content standards.

Your Decisions and Applicable Rights

You are responsible for your own research, risk management and financial decisions. This disclaimer does not exclude liability that cannot lawfully be excluded or remove any mandatory rights you have under applicable law. It should be read together with our Terms of Use and Privacy Policy.

Questions and Corrections

For questions about this disclaimer or to report an error, contact info@temel.org. Please include the relevant page address and the information you believe needs correction.