Disclaimer

Last updated: October 2026

Informational Purpose Only

The Market Health Index application ("MHI") is designed to provide a general, data-driven overview of current financial market conditions. The index scores, segment breakdowns, regime classifications, trend indicators, segment outlooks, and AI-generated market reports presented in the App are informational tools — they are not investment recommendations or signals to buy or sell. Where the App describes possible developments over the coming weeks (see "Segment Outlook" below), the description is based on historical patterns and is not a prediction or guarantee of future market performance.

Not Financial Advice

Nothing in this application should be interpreted as financial, investment, legal, or tax advice. Market Health Index is not operated by a licensed financial advisor, broker, or investment professional. The App does not take into account your individual financial situation, goals, or risk tolerance. Any financial decisions you make based on content from this App are made at your own risk.

Data Accuracy

MHI aggregates data from publicly available third-party financial data sources. While we strive to present accurate and timely information, we cannot guarantee that all data is complete, current, or free from errors. Data may be delayed or temporarily unavailable. The index calculations are based on a proprietary methodology and are inherently approximate.

AI-Generated Content

The daily market reports, segment explanations, and segment outlook texts in MHI are generated using AI language models. They are automated summaries intended to contextualise market data and are subject to the same limitations as other AI-generated content, including possible errors. They should not be treated as authoritative analysis or relied upon as the sole basis for any financial decision.

Segment Outlook

For some market segments, the App shows an outlook for roughly the next two weeks ("Where we might go next"). The percentages show how often, in the past, the segment's score fell, stayed roughly unchanged, or rose over a similar period when it started from a similar level. They describe historical patterns only — markets can and often do behave differently from the past, so these figures are neither a forecast of what will happen nor a guarantee. The accompanying AI-written text names scheduled data releases and other factors that could move the segment as a whole. For some segments, the outlook is shown as text only. The outlook never concerns any individual security or other financial instrument and is not a recommendation to take any action.

Past Performance

Historical index scores, trends, and market data presented in the App reflect past market conditions only. Past performance is not indicative of future results. Financial markets are inherently unpredictable and subject to rapid change.

Limitation of Liability

To the fullest extent permitted by law, Market Health Index accepts no liability for any financial loss, damage, or other consequences arising from the use of or reliance on information provided by this application.