Earnings & Legal Disclaimer
EARNINGS & LEGAL DISCLAIMER
Hybrid Finance
(A trademark of Hybrid International Group Ltd)
Last updated: 26/07/2026
1. PURPOSE OF THIS DISCLAIMER
This Disclaimer governs the use of the website, platform, social media channels, communities, training rooms, educational channels, materials, and any other content or service provided by Hybrid Finance ("the Service") by any user, prospect, or client ("the User").
By accessing, browsing, registering, requesting information, or otherwise using the Service, the User declares to have read, understood, and unconditionally accepted this Disclaimer in its entirety, together with the Terms and Conditions, the Privacy Policy, and the Cookie Policy.
If the User does not accept any provision of this Disclaimer, they must immediately cease using the Service.
2. EDUCATIONAL NATURE OF THE SERVICE – NO FINANCIAL ADVICE
2.1 All content provided by Hybrid Finance — including, by way of example and not limitation, the website, funnels, members-only areas, communities, training rooms, educational channels (Hybrid Setup Forex, Hybrid Setup Gold, Hybrid Speculative Portfolio), Telegram channels, social media (Telegram, Instagram, YouTube, TikTok, and others), private one-to-one calls, coaching sessions with Fabio Spallone or other tutors, weekly live sessions, recorded courses, written materials, PDFs, reports, setup-history dashboards (including the public Notion page), and any other communication — is intended exclusively for educational, informational, and didactic purposes.
2.2 Nothing communicated by Hybrid Finance, in any form or through any channel, constitutes:
– financial advice or investment advice as defined by applicable law;
– personalized recommendations on financial instruments, portfolios, or trading strategies;
– management or administration of third-party assets or accounts;
– copy trading, social trading, signal-following execution, or any form of automated or assisted order execution on behalf of the User;
– solicitation, promotion, placement, or distribution of regulated financial products or services;
– offers to buy, sell, or trade any financial instrument;
– intermediation, mediation, or brokerage of financial products.
2.3 Hybrid International Group Ltd is NOT:
– a financial advisor;
– an authorized investment firm;
– a registered consultant under any financial regulator (including but not limited to CONSOB, OAM, OCF in Italy; the FCA in the United Kingdom; the SEC or FINRA in the United States; ESMA, BaFin, AMF, CySEC, or other national authorities);
– a broker, intermediary, or counterparty in any financial transaction.
2.4 Every operational decision made by the User is taken in complete autonomy and personal responsibility. It is the User who autonomously chooses the company or broker with which to operate, and Hybrid is not involved in that choice or in the related conditions. The User is encouraged, where appropriate, to consult a licensed financial advisor or qualified professional in their country of residence before engaging in any investment or trading activity.
3. LIVE SESSIONS, TRADE SETUPS, AND COACHING – EDUCATIONAL FRAMEWORK
3.1 Weekly Live Sessions
The weekly live sessions provided by Hybrid Finance are strictly educational. They are designed to:
– analyze general market conditions and contexts;
– explain operational concepts, strategies, and methodologies;
– present case studies and post-trade analyses for didactic purposes;
– update students on ongoing research and market views.
Live sessions do not provide instructions to "buy now," "sell now," or any equivalent direct operational command. The opinions and views expressed during live sessions reflect the personal perspective of the speaker (including Fabio Spallone or other tutors) and are shared exclusively for learning purposes. Students are explicitly discouraged from blindly replicating any operation discussed, as each individual has different financial goals, risk tolerance, and personal circumstances.
3.2 Trade Setups (Hybrid Setup Forex, Hybrid Setup Gold, Hybrid Speculative Portfolio)
Hybrid Finance shares trade setups within private channels accessible exclusively to enrolled students. These channels include:
– Hybrid Setup Forex (currency pairs);
– Hybrid Setup Gold (precious metals, primarily gold);
– Hybrid Speculative Portfolio (stock indices and other speculative instruments, including CFDs on cryptocurrencies — access requirements are indicated in the relevant offer).
The trade setups, while including indicative entry levels, stop-loss levels, and multiple take-profit levels (TP1, TP2, TP3), are strictly educational tools designed to teach operational maneuvers such as margin management, position scaling, partial closing, and trade management. Each setup is shared with the explicit understanding that:
– the User is free to follow it or ignore it entirely;
– position sizing is at the sole discretion of the User, based on personal risk tolerance and money management;
– the multiple take-profits serve a didactic function (illustrating different operational maneuvers) and not a guaranteed profit target;
– past setups and their results do not guarantee that future setups will produce similar outcomes.
A specific disclaimer reminding students of the educational nature of the setups and of their personal responsibility is published in the pinned rules of each channel.
3.3 One-to-One Coaching
Private coaching sessions (including those held by Fabio Spallone, Chief Analyst, or other Hybrid tutors) are strictly educational. They are designed to analyze the student's existing trading approach, identify operational mistakes, refine methodology, and support the student's growth as a trader.
Coaching sessions never provide buy/sell instructions, personalized investment advice, or trade execution support. The student remains the sole decision-maker.
3.4 Setup History (Notion Dashboard)
Hybrid Finance maintains a publicly accessible Notion dashboard that records the history of the trade setups shared in the educational channels, primarily measured in risk-reward ratio (RR) terms, and updated on an ongoing basis. This dashboard:
– is intended solely for educational and transparency purposes;
– reflects the didactic history of published setups, not the actual trading performance of any client account;
– does not represent typical client results, as actual outcomes depend on each individual's money management, position sizing, execution, broker conditions, and personal decisions;
– is independently verifiable by cross-referencing the timestamps and content of the setups published in the educational channels;
– does not constitute a track record of returns achievable on real trading accounts.
The User acknowledges that a positive RR history on the Notion dashboard does not translate into guaranteed profits on any individual trading account.
4. NO GUARANTEE OF EARNINGS, PROFITS, OR RESULTS
4.1 Hybrid Finance does not, in any form or through any channel, guarantee:
– profits, returns, or earnings of any kind;
– specific or replicable trading results;
– the achievement of any financial, economic, or personal objective;
– a minimum return on investment (ROI);
– a specific win rate or performance level;
– the success of any trade, strategy, or methodology.
4.2 Any examples, testimonials, interviews, success stories, account statements, screenshots, figures, RR statistics, or similar content displayed on the website, social media, public Telegram channels, the Hybrid Feedback channel, YouTube videos, Trustpilot reviews, or any other informational or promotional source are shared for illustrative purposes only, represent individual and non-typical experiences, and do not represent typical or replicable results.
4.3 Past performance is not a guarantee of future results. Outcomes vary significantly depending on numerous factors, including but not limited to: trading experience, available capital, discipline, emotional control, money management, position sizing, broker conditions, market volatility, news events, execution timing, and personal decisions.
4.4 Hybrid Finance explicitly states that a significant majority of retail investors lose money when trading leveraged financial instruments. The User accepts this risk as inherent to trading activity. This statement is provided as a risk warning, not as an inducement.
4.5 No communication issued by Hybrid Finance — whether in marketing materials, sales calls, live sessions, social media, or any other channel — may be interpreted as a promise of profit, an inducement to invest, or a guarantee of any specific result.
5. TRADING RISKS AND LOSS OF CAPITAL
5.1 Trading financial instruments — including leveraged instruments such as contracts for difference (CFDs) on currency pairs, precious metals, commodities, stock indices, and cryptocurrencies — involves a high level of risk and may result in the partial or total loss of the capital invested.
5.2 The use of leverage substantially amplifies both potential gains and potential losses. The User is fully aware that:
– losses can exceed initial expectations;
– adverse market movements can occur rapidly and without warning;
– no strategy, system, methodology, or trade setup can eliminate market risk;
– liquidity, slippage, and execution issues may impact actual trading outcomes;
– emotional decisions and lack of discipline are common causes of losses.
5.3 The User undertakes to:
– use only capital they can afford to lose;
– never use funds intended for essential expenses, debts, mortgages, or financial obligations;
– assess their financial situation, experience, and risk tolerance honestly before trading;
– understand the specific characteristics, risks, and conditions of each instrument and of the broker they choose;
– never rely on any educational content, setup, or analysis as a guarantee of profit.
5.4 Hybrid Finance assumes no liability for any loss of capital, missed profit, opportunity cost, or financial damage suffered by the User as a result of trading activity, regardless of whether such activity was inspired by, related to, or independent of any educational content provided.
6. ACCESS METHODS, BROKER CHOICE, AND COMPENSATION
6.1 Alternative and Independent Access Methods
The User may access Hybrid Finance services, at their sole discretion and personal responsibility, through either of the following alternative methods, or a combination of them:
a) through their own trading account with a Partner Broker — the User autonomously opens (or already holds) a personal trading account with a Partner Broker and makes a deposit, gaining access to specific Hybrid services without any direct payment to Hybrid;
b) by directly purchasing Hybrid subscription services (Hybrid Lab, Hybrid Signals, Hybrid Ecosystem), as described in the Terms and Conditions, without any obligation to open a broker account and with no access to additional-capital accounts.
6.2 Broker Due Diligence and Free Choice
Partner Brokers are independent third parties, established in different jurisdictions and subject to different regulatory regimes. The level of regulatory protection available to clients — including, where applicable, investor compensation schemes, client fund segregation rules, and complaint or recourse mechanisms — varies according to the broker and the jurisdiction in which it operates.
The User acknowledges and accepts that:
– the choice of broker is entirely autonomous and made by the User on the basis of their own preferences and evaluations;
– before opening an account or making any deposit, the User must review the broker's terms and conditions, verify the broker's regulatory status and the protections actually available, and verify that opening and using the account is lawful in their country of residence;
– Hybrid Finance does not recommend, endorse, or pressure the User toward any specific broker; Hybrid limits its role to presenting the available options and providing factual information about Partner Brokers;
– the User is fully and exclusively responsible for the choice of broker and for its consequences.
6.3 Hybrid's Compensation from Brokers
Hybrid Finance receives a one-time commission from the Partner Broker for each new client introduced, paid by the broker as a commercial partnership fee. Such compensation:
– is paid at no additional cost to the User;
– is not deducted from the User's trading account, profits, or capital;
– is not based on the User's trading volumes (no rebates per lot or volume-based commissions);
– does not influence the educational content, methodology, or guidance provided by Hybrid.
This disclosure is provided for transparency regarding any potential conflict of interest.
6.4 No Regulatory Advisory or Brokerage Role
Hybrid Finance is NOT registered as a financial advisor, broker, intermediary, or mediator with any financial regulator. The User acknowledges that Hybrid's role is limited to educational services and the provision of factual information about third-party brokers.
6.5 Verification of Local Compliance
The User declares that they are solely responsible for verifying that:
– the use of Hybrid Finance services is permitted in their country of residence;
– the opening and use of an account with the chosen broker is lawful under the regulations applicable to them;
– they comply with any tax, reporting, or declaration obligations arising from their trading activity.
Hybrid Finance offers its services internationally, with the exception of jurisdictions where the activity is prohibited or restricted, including but not limited to the United States and the United Kingdom, and any other country where access may not be permitted at Hybrid's discretion.
7. RELATIONSHIP WITH THIRD-PARTY BROKERS – NO LIABILITY
7.1 For any trading activity, the User uses third-party brokers that are legally and operationally independent from Hybrid International Group Ltd. The contractual relationship regarding the trading account is exclusively between the User and the broker.
7.2 Hybrid Finance:
– does not hold User funds at any time;
– does not have access to User trading accounts (no investor password, no API access, no account credentials);
– does not manage capital, positions, or trading activity on behalf of the User;
– does not execute orders, trades, or operations for the User.
7.3 Hybrid Finance assumes no liability for, including but not limited to:
– technical or operational malfunctions of the broker (platform downtime, execution errors, slippage, requotes);
– changes to broker conditions (spreads, commissions, swap rates, available instruments, account features);
– delays, blocks, or refusals of withdrawals;
– account freezes, suspensions, KYC/AML procedures, or compliance investigations conducted by the broker;
– insolvency, default, bankruptcy, regulatory action against, or service interruption of the broker;
– losses resulting from broker-side execution issues;
– changes in the broker's terms and conditions, capital allocation programs, or related rules;
– the regulatory status of the broker in the User's country of residence;
– any commercial communication, promise, or representation made by the broker to the User, including but not limited to representations regarding payout speeds, account upgrades, or promotional conditions.
7.4 Should any broker terminate the partnership with Hybrid, modify its services, suspend operations, or otherwise become unavailable, Hybrid is under no obligation to replace the broker, restore equivalent services, or compensate the User in any form, without prejudice to the continuation of Hybrid educational services as set out in the Terms and Conditions.
8. HYBRID ALLOCATION – SPECIFIC DISCLAIMER
8.1 The programs referred to as "Hybrid Allocation" are provided exclusively by third-party Partner Brokers, not by Hybrid Finance.
8.2 Under these programs:
– the User opens a personal trading account with the Partner Broker and trades with their own capital, retaining 100% of the profits generated on their personal account under the broker's terms;
– if the User autonomously reaches specific performance criteria set by the Partner Broker (assessed through evaluation phases with no entry fee and no paid challenge), the Partner Broker may grant access to an additional-capital account, allocated and owned by the broker itself;
– where granted, the additional-capital account replicates automatically and proportionally the operations carried out by the User on their personal account, and the User receives a share of the profits generated on that additional-capital account, as defined by the broker's program;
– the User's personal capital is never used to fund the additional-capital account: such capital is provided entirely by the broker;
– the amounts of additional capital, profit-split percentages, maximum drawdown limits, evaluation criteria, payout schedules, and all other operational rules are set unilaterally by the Partner Broker, are communicated by the broker, and may be modified, suspended, or terminated by the broker at any time; Hybrid has no obligation to give notice of such changes.
8.3 Hybrid Finance does not:
– provide, hold, or own the capital allocated under the programs;
– receive any share of the profit split retained by the broker on the additional-capital accounts;
– guarantee access to additional capital;
– guarantee the amount of capital that may be allocated;
– guarantee the continuation of the programs over time;
– guarantee specific drawdown rules, profit splits, or operational conditions;
– guarantee payouts, withdrawal speeds, or any specific financial outcome.
8.4 The User acknowledges that:
– reaching the broker's performance criteria involves no payment to Hybrid; failure to meet the broker's criteria does not entitle the User to any refund, compensation, or alternative service from Hybrid;
– losing access to an additional-capital account under the broker's rules (for example, by exceeding the maximum drawdown set by the broker) results in the loss of access to that account, but not of the capital held in the User's personal account, which remains in the User's personal account under the broker's terms;
– the User assumes full responsibility for understanding and complying with the broker's rules, which are communicated directly by the broker.
9. PUBLIC COMMUNICATIONS AND TESTIMONIALS
9.1 Hybrid Finance shares testimonials, interviews, success stories, and student feedback through various channels, including but not limited to:
– the Hybrid Finance website;
– social media accounts (YouTube, Instagram, Telegram, TikTok, and others, in multiple languages);
– the public Hybrid Feedback Telegram channel (available in multiple languages);
– the public Trustpilot profile.
9.2 All such testimonials and materials:
– are shared voluntarily and spontaneously by clients who wish to share their personal experience with Hybrid Finance, in the awareness that their contribution may be published on Hybrid's public channels;
– are for illustrative purposes only and represent individual, non-typical experiences that do not reflect typical or average results;
– do not constitute promises of similar results for any other User.
9.3 Any person whose testimonial, interview, or feedback has been published may request its removal at any time by contacting Hybrid at the official contacts below; Hybrid will proceed with removal from its own channels within a reasonable time.
9.4 No testimonial, interview, or success story should be interpreted by the User as a guarantee, promise, or reasonable expectation of similar personal results. The User acknowledges that outcomes are highly individual and depend on factors fully under the User's responsibility.
10. PUBLIC VS. PRIVATE CHANNELS – IMPORTANT DISTINCTION
10.1 Public Channels
Hybrid Finance maintains certain channels accessible to the general public, including:
– the website and landing pages;
– public social media accounts;
– the Hybrid Feedback Telegram channel (where student feedback is shared);
– public YouTube content;
– the public Trustpilot page.
These channels are intended to provide value, share educational content, illustrate the Hybrid methodology, and present feedback from clients. They do NOT contain operational trade setups.
10.2 Private Channels (Students Only)
The operational educational channels — Hybrid Setup Forex, Hybrid Setup Gold, and Hybrid Speculative Portfolio (which includes CFDs on cryptocurrencies) — are accessible exclusively to enrolled students who have been granted access through one of the access methods described in Section 6.
These private channels contain trade setups for educational purposes only, accompanied by pinned rules confirming the educational and non-binding nature of all content.
10.3 The User acknowledges that public channels do not constitute, and should never be interpreted as, financial advice or trading recommendations. The User further acknowledges that the trade setups shared in private channels are not personalized advice and require independent evaluation by the User before any trading decision.
11. HYBRID EXCELLENCE COMMERCIAL GUARANTEE
11.1 The Hybrid Excellence Guarantee is a voluntary commercial guarantee offered by Hybrid Finance under the conditions specified in the official Terms and Conditions.
11.2 This guarantee:
– does NOT constitute a guarantee of profit, return, or financial result;
– does NOT reduce or eliminate the risks associated with trading;
– does NOT entitle the User to any refund of broker deposits, trading losses, or capital;
– relates exclusively to a commercial bonus of €1,000, payable under specific verifiable conditions defined in the Terms and Conditions and subject to a maximum of €1,000 per User.
11.3 Any application of the guarantee is subject to verification procedures, comparative analysis, and conditions described in the Terms and Conditions, which prevail over any other commercial communication.
12. AFFILIATION PROGRAM
12.1 Hybrid Finance operates an Affiliation Program through which existing satisfied clients may refer new prospects and receive a one-time commission for each successfully enrolled client.
12.2 The Affiliation Program is not structured as a multi-level marketing (MLM), network marketing, or pyramid scheme. There are no recurring commissions, no downline structures, and no compensation tied to recruitment chains.
12.3 Affiliates are bound by separate terms and are required to comply with all applicable advertising, consumer protection, and financial communication laws in their jurisdiction. Affiliates act as independent third parties: Hybrid is not responsible for unauthorized statements made by affiliates.
13. INTELLECTUAL PROPERTY
13.1 All content provided by Hybrid Finance — including videos, texts, slides, recordings, software, trademarks, logos, graphics, training materials, reports, and community content — is the exclusive property of Hybrid International Group Ltd or its licensors.
13.2 Unauthorized reproduction, distribution, resale, sharing, or use of any Hybrid content for purposes other than personal educational use is strictly prohibited and subject to the remedies and legal actions specified in the Terms and Conditions.
14. GENERAL LIMITATION OF LIABILITY
14.1 To the maximum extent permitted by applicable law, Hybrid International Group Ltd, its directors, officers, employees, collaborators, partners, affiliates, and tutors shall not be liable for:
– direct, indirect, incidental, consequential, special, or punitive damages;
– loss of profits, loss of earnings, missed gains, or opportunity costs;
– loss of capital, trading losses, or financial damages of any kind;
– loss of data, business interruption, or reputational damage;
– damages arising from the User's operational decisions, choice of broker, choice of access method, or choice of trading instruments;
– damages arising from the misinterpretation, misuse, or unauthorized use of educational content;
– technical malfunctions, interruptions, or unavailability of third-party services (including brokers, payment processors, hosting providers, communication platforms);
– actions, omissions, or decisions of any third party (including Partner Brokers).
14.2 Nothing in this Disclaimer shall limit or exclude liability where such limitation or exclusion is prohibited by mandatory applicable law, including liability for fraud and mandatory consumer protection rights under the User's country of residence.
15. INDEMNIFICATION
The User agrees to indemnify and hold harmless Hybrid International Group Ltd, its representatives, collaborators, partners, affiliates, and tutors from any claim, damage, liability, cost, or expense (including legal fees) arising from:
– the User's violation of this Disclaimer or the Terms and Conditions;
– the User's misuse of the Service or its content;
– the User's trading decisions and their consequences;
– the User's choice of broker and any related claim or dispute;
– false, misleading, or fraudulent statements made by the User to Hybrid or to third parties;
– third-party complaints, actions, or disputes attributable to the User's conduct.
16. CONSUMER RIGHTS
This Disclaimer does not limit the mandatory rights granted to the User as a consumer under the laws of their country of residence. Where mandatory consumer protection provisions provide stronger protections than those set out herein, those mandatory provisions shall prevail. The 14-day right of withdrawal (money-back) on paid subscriptions is set out in Art. 7.4 of the Terms and Conditions.
17. MODIFICATIONS TO THIS DISCLAIMER
Hybrid Finance reserves the right to modify this Disclaimer at any time, at its sole discretion. Updates will be published on the website with an indication of the new effective date. Continued use of the Service after publication constitutes acceptance of the updated Disclaimer. The User is encouraged to review this Disclaimer periodically.
18. GOVERNING LAW AND JURISDICTION
18.1 This Disclaimer is governed by the laws of England and Wales, except where mandatory consumer protection laws of the User's country of residence apply.
18.2 Without prejudice to the consumer's right to bring proceedings before the courts of their country of residence (where applicable under mandatory consumer protection rules), any dispute arising from or relating to this Disclaimer shall be subject to the jurisdiction of the Courts of London (England & Wales).
19. FINAL ACKNOWLEDGMENT
By accessing, browsing, registering, requesting information, or otherwise using the Service, the User explicitly acknowledges and confirms that:
– they have read, understood, and accepted this Disclaimer in its entirety;
– they understand that Hybrid Finance provides exclusively educational and informational services;
– they understand that Hybrid Finance does not provide financial advice, account management, copy trading, or any regulated financial service;
– they understand the risks associated with trading, including the possibility of total loss of capital;
– they assume full and exclusive responsibility for their trading decisions, choice of broker, choice of access method, and any consequence arising therefrom;
– they understand that past performance does not guarantee future results;
– they have autonomously verified that the use of Hybrid Finance services and of the chosen broker is lawful in their country of residence;
– no Hybrid representative has ever guaranteed any specific result, profit, or outcome;
– they have been informed of the available access methods (through their own trading account with a Partner Broker, or through the direct purchase of subscription services, or a combination of both) and have selected their preferred option in full autonomy.
20. OFFICIAL CONTACTS
Hybrid International Group Ltd
Registered Office: Suite 3, 115 London Road, Morden, SM4 5HP, England (Company Number 14892072)
Administrative Office: Praça Marquês de Pombal 14, 1250-162 Lisbon, Portugal
Email: info@hybridfinanceinternational.com
Only contacts and channels expressly listed above, together with the official channels indicated in Art. 18 of the Terms and Conditions, are considered official. Communications received from other sources cannot be considered binding for Hybrid.
Last updated: 26/07/2026
