Disclaimer
1. Not Investment Advice
LiquidityDesk is a research and analysis platform, not a licensed financial adviser, broker-dealer, or investment adviser. No content on this Platform — including bond scores, AI commentary, portfolio analysis, yield calculations, cash flow projections, or valuation indicators — constitutes investment advice or a recommendation to buy, sell, or hold any security. All outputs are for informational and research purposes only. Always seek independent professional financial advice before making any investment decision.
2. AI-Generated Content
Significant portions of the Platform's analysis are produced by large language models (Google Gemini 2.5 Flash; Anthropic Claude). AI outputs may contain errors, omissions, or hallucinations. AI commentary reflects the model's interpretation of data supplied to it at the time of the request and does not represent the views of any licensed investment professional. The Platform does not verify AI-generated analysis for factual accuracy. You should independently verify all AI outputs before acting on them.
3. Data Accuracy and Currency
Bond data is sourced from ETF holdings files published by BlackRock, yield curve data from the US Treasury Department, and FX rates from Yahoo Finance. Data is updated periodically rather than in real time. Prices, yields, credit ratings, and redemption terms displayed may not reflect current market conditions. The Platform makes no representation as to the accuracy, completeness, or fitness for purpose of any data displayed.
4. LD Score
The LD Score is a proprietary composite metric designed to rank bonds on a relative-value basis within structurally similar peer groups. It is a screening aid only — not a predictive model, a credit opinion, or a guarantee of future performance. It does not account for liquidity, bid-offer spreads, execution costs, tax treatment, individual investor risk tolerance, or regulatory suitability.
5. Cash Flow Projections and Return Simulations
All cash flow schedules, projected returns, yield-to-maturity figures, and portfolio simulations are illustrative calculations based on stated assumptions (e.g. no default, no early redemption, reinvestment at the same rate). Actual outcomes will differ. Past performance and modelled results are not indicative of future returns.
6. No Warranty
The Platform is provided "as is" without warranty of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. The operator does not warrant that the Platform will be uninterrupted, error-free, or free of harmful components.
7. Jurisdiction
This Platform is not directed at persons in any jurisdiction where its use would be contrary to applicable law or regulation, or where the operator is not authorised to provide such a service. It is your sole responsibility to ensure your use of the Platform complies with the laws and regulations applicable in your jurisdiction, including any rules governing the receipt of financial information or research.