Investment Disclaimer

Clear Finance AI is a data aggregation and research platform. Nothing on this Platform — including deal scores, redemption probability estimates, interest rate data, property valuations, or any other content — constitutes investment advice, financial advice, legal advice, tax advice, or any other form of professional advice.

The Platform is designed to help you research publicly available tax lien data more efficiently. All investment decisions are solely your own.

Tax lien certificates are speculative financial instruments. Unlike bank deposits or government bonds, they carry significant risks that can result in partial or total loss of capital. Before investing, you should understand:

• Redemption is not guaranteed. Property owners may not redeem their lien. If a lien is not redeemed, you may need to initiate a tax deed proceeding, which is a lengthy and costly legal process.
• Property condition is unknown. The underlying property may be damaged, contaminated, structurally unsound, or have title issues that render it difficult or impossible to sell.
• Superior liens may exist. Federal tax liens, IRS liens, or other superior encumbrances can take priority and reduce or eliminate your recovery.
• Auction competition affects yield. In competitive bidding, interest rates can be bid down significantly from statutory maximums.
• Liquidity is limited. Tax lien certificates are illiquid. There is no established secondary market and you may not be able to exit your position.
• Legal complexity. Foreclosure of a tax lien requires legal proceedings that vary by county and may require hiring an attorney.

The “Clear Score” and redemption probability percentage displayed for each lien are generated by an AI model trained on historical public records data. These scores:

• Are algorithmic estimates, not guarantees of outcome.
• Are based on limited publicly available data and may not reflect all relevant factors.
• Do not account for property condition, title defects, environmental issues, or legal complications.
• May contain errors resulting from data quality issues in source records.
• Should not be the sole basis for any investment decision.

A high deal score indicates that historical patterns associated with that lien profile have correlated with favorable outcomes — it does not mean the lien will perform as expected.

Any historical data, case studies, examples, or implied performance information on this Platform is provided for illustrative purposes only. Past redemption rates, yields, or outcomes are not indicative of future results.

Market conditions, legislative changes, economic downturns, rising interest rates, and local real estate market shifts can all materially affect the performance of tax lien investments in ways that historical data cannot predict.

Lien data is scraped from publicly available Florida county tax collector records. Despite reasonable efforts to maintain accuracy:

• Records may contain errors inherited from the original government source.
• Data may be delayed by hours or days from the time records were last updated.
• Liens may have been redeemed, cancelled, or transferred after data collection.
• Assessed values are county appraisal estimates and may differ significantly from market value.
• Auction dates and terms are subject to change by the county without notice.

You must independently verify all information directly with the relevant county tax collector before bidding on or purchasing any lien certificate.

Clear Finance AI does not act as your fiduciary, investment advisor, broker-dealer, or registered investment advisor. We have no duty to act in your best financial interest and are not registered with the SEC, FINRA, or any state securities regulator.

Before making any tax lien investment, we strongly recommend consulting with:

• A licensed financial advisor or registered investment advisor (RIA) familiar with alternative investments.
• A real estate attorney licensed in Florida who can advise on the foreclosure process and title issues.
• A CPA or tax professional regarding the tax treatment of lien income and proceeds.
• The relevant county tax collector to verify lien status, payment procedures, and upcoming auction rules.

In no event shall Clear Finance AI, LLC, its officers, directors, employees, or data providers be liable for any investment losses, lost profits, or consequential damages arising from your reliance on any information provided by this Platform.

You acknowledge that you have read and understood this disclaimer and that you are solely responsible for all investment decisions made using information from this Platform.

Tax lien certificates are regulated instruments in Florida under Florida Statutes Chapter 197. Requirements, procedures, and redemption periods vary by county. It is your responsibility to familiarize yourself with applicable Florida law and the specific rules of each county in which you invest.

Questions about this disclaimer? Contact us at legal@clearfinanceai.com