Financial Disclaimer

Read this page before relying on anything you see inside Vantis Terminal. It applies to every surface — the market heatmap, the dividend screener, the IPO dossier, the stock pages, the AI-generated takes, the operator chat, the compound calculator, the news feed, every export.

Not investment advice

Nothing in Vantis Terminal is investment advice or a personalised recommendation. We are not a licensed financial advisor, broker, dealer, fund manager, fiduciary, or registered representative of any regulated entity. We are a software product that helps you organise your own research and track your own positions. Any action you take based on what you read, hear, or see here is entirely your own decision.

AI-generated content

Several surfaces — including AI takes, Ask Vantis, thesis checks, operator chat, screening notes, education explainers, and ticker briefs — are generated by large language models. AI systems hallucinate. They mis-attribute quotes, fabricate numbers, miss context, and confidently produce wrong answers. Treat every AI-generated paragraph as a draft for your review, never as a vetted fact.

Past performance

Backtests, historical returns, dividend-growth charts, compound-calculator projections, and any other forward-looking figure on this site are illustrative. Past performance is not indicative of future results. A stock that compounded at 30% for ten years can lose 80% in the next twelve months. A T-bill auction that cleared at 24% last quarter can clear at 6% next quarter. Compound calculators assume your contributions, returns, and tax rates are constant; reality is none of those things.

You are responsible for your decisions

You — not us — bear all risk and all responsibility for any investment, divestment, hold, hedge, allocation, or rebalance you carry out based on what you read here. We strongly encourage you to:

• Confirm any number that matters with the issuer's primary source (NGX disclosures, company prospectus, CBN press releases, audited financial statements).
• Talk to a SEC Nigeria registered investment advisor or a qualified accountant before acting on anything material.
• Never invest money you cannot afford to lose, and never allocate to a single position more than you can stomach going to zero.

No regulator registration

Vantis Terminal is not registered with the Securities and Exchange Commission of Nigeria, the Nigerian Exchange (NGX), the Financial Industry Regulatory Authority of the US (FINRA), the US Securities and Exchange Commission (SEC), or any other regulator. The product is software. It does not handle, hold, or custody any client money or securities.

Data sources and accuracy

We pull market data from EODHD, the NGX's public price list, the FMDQ daily yield publications, and similar third-party feeds. These feeds may be delayed, incomplete, or inaccurate, particularly for NGX intraday quotes (~15-minute delay), small-cap stocks, or thinly-traded securities. We do not guarantee the accuracy, completeness, or timeliness of any data point shown in the product. Verify anything that influences a real-money decision against the primary source.

Tax estimates

Any tax computations the product performs — capital gains estimates, dividend withholding, T-bill yield comparisons net of tax — are illustrative only. Nigerian tax law changes, your circumstances are unique, and tax software is not a substitute for a tax professional. Consult a chartered tax practitioner before filing.

Fixed income and yields

Treasury bills, dividends, money-market fund yields, eurobond coupons, and any other fixed-income figure shown in the product are subject to the issuer's terms (CBN auction outcomes, company board declarations, fund manager actions, sovereign coupon schedules). The issuer is not Vantis Terminal. We do not guarantee that any quoted yield will materialise.

Conflicts of interest

The operator of this Service may, from time to time, hold positions in securities mentioned in the product. Treat any editorial mention of a specific ticker as if the author owned it; assume nothing about whether they do.

Updates to this disclaimer

We may update this disclaimer as the product changes or as the regulatory environment shifts. Material changes will be flagged on the home page or by email. The effective date above always reflects the current version.

Contact

Questions — [email protected]. For the full picture, also read the Terms and Privacy Policy.