Disclaimer & Risk Warning
📑 Contents
1. Educational Purpose Only
RiskCalcPro ("the Website", "we", "us", "our") provides free online calculators and educational content related to financial markets, including foreign exchange (forex), cryptocurrencies, stocks, futures, and other financial instruments. All content, calculators, articles, and tools provided on this Website are for general educational and informational purposes only.
The use of any calculator or tool on this Website does not create a fiduciary, advisory, brokerage, or any other professional relationship between you and RiskCalcPro.
2. Not Financial Advice — Important Notice
Nothing on this Website constitutes:
- Investment advice, recommendation, or solicitation to buy or sell any financial instrument
- Personalised financial planning or portfolio management advice
- Tax, legal, or accounting advice
- An offer or invitation to participate in any specific investment product
- A guarantee of any specific outcome, return, or profit
You should always consult a licensed financial advisor, certified investment advisor (IC License), broker, or qualified professional before making any investment, trading, or financial decision. Each person's financial situation, risk tolerance, and goals are different — what works for one trader may be entirely unsuitable for another.
3. Thai Law Compliance Statement
RiskCalcPro is not licensed as an investment advisor, securities dealer, fund manager, or any other regulated entity by the Securities and Exchange Commission of Thailand (SEC Thailand) or the Bank of Thailand (BOT). We do not provide personalised investment recommendations as defined under Section 4 of the Securities and Exchange Act.
We are not registered as a digital asset business operator, digital asset broker, digital asset dealer, or ICO portal under the Digital Asset Business Decree. Our cryptocurrency calculators are computational tools only — they do not constitute solicitation, offering, or advice for any digital asset.
This Website does not facilitate, accept, or process any financial transactions. We are a non-transactional informational service.
Users are responsible for their own use of this Website in accordance with Thai computer crime laws. Misuse, hacking attempts, or distributing false information using our tools is strictly prohibited.
If you are accessing this Website from Thailand, you acknowledge that you understand the regulatory environment and are using our tools at your own discretion and risk. For specific Thai investment advice, please consult an SEC-licensed Investment Consultant (IC) or Investment Planner (IP).
4. Risk Warning — High-Risk Financial Instruments
⚠️ Trading and investing in financial markets carries a substantial risk of loss and is not suitable for every investor. You should be aware of the following:
Forex Trading Risk
Foreign exchange trading is highly leveraged and can result in losses that exceed your initial deposit. According to studies by major regulators (ESMA, ASIC, FCA), between 70–85% of retail forex traders lose money. Currency markets can move rapidly due to geopolitical events, central bank decisions, and economic data.
Cryptocurrency Trading Risk
Cryptocurrencies are extremely volatile and largely unregulated in many jurisdictions. Prices can drop 50% or more within hours. Risks include but are not limited to: total loss of capital, exchange hacks, regulatory crackdowns, smart contract bugs, market manipulation, liquidity crises, and counterparty risk.
Per the Thai SEC's repeated warnings, cryptocurrencies are not legal tender in Thailand and are not protected by the Securities Investor Protection Fund.
Leverage & Margin Risk
Trading with leverage amplifies both gains and losses. You can lose more than your initial investment. Liquidation can occur instantly during market gaps or flash crashes. Always understand your maximum potential loss before opening any leveraged position.
Stock Market Risk
Stock prices can decline due to company-specific issues, sector downturns, recessions, or systemic market crises. Past performance is not indicative of future results. Diversification reduces but does not eliminate risk.
Only trade or invest with capital you can afford to lose entirely. If you are uncertain, consult a licensed professional or do not trade.
5. Accuracy & Reliability
While we make reasonable efforts to ensure that calculations are accurate and formulas are correctly implemented:
- We make no representation or warranty of any kind, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of any calculator output, market data shown, or content on this Website
- Market prices and data displayed (if any) may be delayed, indicative only, or supplied by third parties — they should not be relied upon for actual trading decisions
- Calculation results depend entirely on the inputs you provide; garbage in, garbage out
- You should always independently verify any calculation before acting upon it
If you discover an error in any calculator, please contact us so we can investigate.
Tax Calculation Tools — Special Notice
⚠️ ข้อควรระวังพิเศษสำหรับเครื่องคำนวณภาษี: เครื่องคำนวณภาษีหุ้นและ Crypto บนเว็บไซต์นี้ใช้สูตรคำนวณทั่วไปเท่านั้น ไม่ใช่การตีความกฎหมายภาษีอากร ผลลัพธ์ที่ได้ไม่ใช่คำวินิจฉัยทางภาษี และ ไม่ควรใช้ยื่นแบบภาษีโดยไม่ตรวจสอบกับกรมสรรพากร (Revenue Department) หรือนักบัญชีที่ได้รับใบอนุญาตก่อน กฎหมายภาษีอาจเปลี่ยนแปลงและมีข้อยกเว้นเฉพาะกรณีที่ต้องพิจารณาเป็นราย ๆ ไป
Tax calculators on this site use general formulas only. Results are not tax advice and should not be used to file tax returns without independent verification with the Thailand Revenue Department or a licensed tax professional. Tax laws are subject to change.
6. Limitation of Liability
To the maximum extent permitted by applicable law (including Thailand's Civil and Commercial Code), in no event shall RiskCalcPro, its operators, owners, employees, agents, partners, or affiliates be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to:
- Loss of profits, revenue, or income
- Trading losses or missed gains
- Liquidation, margin calls, or forced position closures
- Loss of data, business, goodwill, or reputation
- Cost of substitute services
- Tax penalties or compliance costs
...arising out of or in connection with your access to, use of, inability to use, or reliance on this Website, its calculators, or any content, even if we have been advised of the possibility of such damages.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.
7. Third-Party Content & Links
This Website may contain links to third-party websites, services, or advertisements (including Google AdSense). We have no control over and accept no responsibility for the content, privacy policies, or practices of any third-party sites. The inclusion of any link does not imply our endorsement.
8. Governing Law & Jurisdiction
This Disclaimer is governed by the laws of the Kingdom of Thailand, without regard to conflict of law principles. Any dispute arising from your use of this Website shall be subject to the exclusive jurisdiction of the competent courts of Bangkok, Thailand.
If any provision of this Disclaimer is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
9. Changes to This Disclaimer
We may update this Disclaimer at any time without prior notice. The "Last updated" date at the top reflects the most recent version. Your continued use of the Website after changes constitutes acceptance.
10. Contact
For questions about this Disclaimer, please contact us here or email work.kornravit@gmail.com.
By using RiskCalcPro, you acknowledge that you have read, understood, and agreed to this Disclaimer in its entirety. If you do not agree, please do not use this Website.