Terms of Use
1. Publisher, Regulation, and Responsibility
Joseph & Daniel Advisory ("JDA") is a company incorporated in Abidjan, Republic of Côte d'Ivoire, authorized and regulated by the Financial Markets Authority of the West African Monetary Union (AMF-UMOA) for the conduct of its financial services activities.
As part of its activities, JDA publishes and makes available to its clients analytical reports, research notes, newsletters, and other financial publications. These documents are prepared by Joseph & Daniel Advisory's Research & Analysis department.
2. Purpose of the Information Disseminated
This platform is intended solely for informational purposes.
The information, analyses, commentary, opinions, and publications it contains do not constitute investment advice, legal, tax, accounting, or financial advice, nor a personalized recommendation of any kind.
Analyses produced by the Research & Analysis department are prepared without regard to any individual investor's investment objectives, financial situation, or particular needs.
Accordingly, each user remains solely responsible for evaluating the investments or strategies presented and must determine, independently or with the assistance of their own advisors, their suitability in light of their personal situation, objectives, and risk tolerance.
3. Accuracy of Information
Information disseminated on this platform is derived from transactions, statistical data, publicly available information, and other sources that Joseph & Daniel Advisory considers reliable.
However, JDA does not guarantee the accuracy, completeness, or timeliness of the information disseminated, and it should not be regarded as such.
Any market rumors mentioned originate from external sources and do not constitute established facts nor the expression of Joseph & Daniel Advisory's official opinions.
JDA is under no obligation to update, correct, or revise published documents when information, opinions, estimates, or forecasts become inaccurate or change over time.
In accordance with applicable regulations, the opinions expressed faithfully reflect the personal analyses of the relevant analysts at the time of publication and may be changed without notice.
Analyst compensation is not tied to any specific recommendation, opinion, or conclusion contained in published reports.
No communication, written or oral, from Joseph & Daniel Advisory shall be construed as a guarantee or assurance regarding the future performance or results of any investment.
4. Recipients and Distribution Restrictions
4.1 No information published on this platform constitutes an offer, solicitation, invitation to invest, recommendation to buy or sell financial instruments, or the provision of investment advice.
4.2 The platform is intended for professional and retail clients, in accordance with applicable regulations. The products and services mentioned are offered only to persons whom Joseph & Daniel Advisory considers eligible under applicable regulatory requirements. Any person who does not meet these criteria should not rely on the information disseminated.
4.3 Documents available on this platform may only be distributed in jurisdictions where such distribution is permitted under applicable regulations. Persons accessing these documents are responsible for verifying that they are authorized to consult them and agree to comply with all legal or regulatory restrictions applicable in their country of residence.
4.4 Clients remain entirely free to subscribe to the research services offered by Joseph & Daniel Advisory. They acknowledge making their investment decisions independently and confirm that they do not regard any communication, written or oral, from JDA as a personalized investment recommendation.
4.5 Professional clients agree to share all or part of the research services only with their affiliated companies or their own clients, under terms agreed with Joseph & Daniel Advisory.
Retail clients agree not to reproduce, share, distribute, or communicate, in whole or in part, the content of the research services to third parties, except with the prior written authorization of Joseph & Daniel Advisory.
5. Risk Warning
5.1 Prices, valuations, price targets, estimates, and forecasts are provided for indicative purposes only. They are based on assumptions that may be affected by numerous economic, financial, monetary, regulatory, or political factors, including changes in interest rates, exchange rates, defaults, or early repayments.
5.2 All investment carries a risk of capital loss. The value of financial instruments and the income derived from them may rise or fall and vary significantly depending on market conditions.
5.3 Past performance is not indicative of future performance. Opinions, valuations, projections, and price targets are estimates based on information available at the time they were prepared. They do not constitute facts and cannot guarantee that anticipated results will be achieved. Future performance may differ materially from the estimates presented.
5.4 Documents disseminated on this platform are not intended to present, in an exhaustive manner, all direct or indirect risks that may be associated with the investments or strategies discussed.
6. Conflicts of Interest
6.1 As part of its activities, Joseph & Daniel Advisory may provide various financial and investment services. Its executives, employees, or representatives may hold or take positions in financial instruments covered by published analyses, including positions that may be contrary to the opinions expressed.
6.2 Joseph & Daniel Advisory may maintain or seek commercial, advisory, financial engineering, or other business relationships with issuers mentioned in its publications and may receive compensation in connection therewith.
6.3 Published analyses may not reflect information held by other departments of Joseph & Daniel Advisory, including teams responsible for financial engineering activities or other regulated activities.
7. Disclaimer of Warranty
To the fullest extent permitted by applicable regulations, Joseph & Daniel Advisory disclaims all warranties, express or implied, regarding the information disseminated on this platform. This includes, without limitation, warranties as to accuracy, completeness, timeliness, quality, merchantability, fitness for a particular purpose, or non-infringement of third-party rights.
8. Limitation of Liability
To the extent permitted by law, Joseph & Daniel Advisory shall not be liable for any direct, indirect, incidental, special, consequential damages, or financial loss resulting from the use or inability to use the information or documents published on this platform. This limitation covers, in particular, loss of revenue, profits, opportunities, clientele, or reputation, business interruption, errors, omissions, technical failures, computer viruses, or any other IT malfunction, even if Joseph & Daniel Advisory has been advised of the possibility of such damages. Nothing herein shall exclude any liability that cannot be excluded under applicable regulations.
9. Copyright and Confidentiality
All content disseminated on this platform, including reports, analyses, studies, charts, tables, texts, logos, and other elements, is protected by copyright with all rights reserved, and the information is private and confidential for your personal use only.
Except with the prior written authorization of Joseph & Daniel Advisory, this content may not be reproduced, copied, distributed, published, transmitted, modified, or incorporated, in whole or in part, into any other document or medium, by any means whatsoever.
The information communicated is confidential and is intended solely for the personal or professional use of the authorized recipient.
