Risk Disclosure

Harvard Gold Group, Inc., ("Harvard Gold Group") is a provider of precious metals, coins, and related products ("Products"). Harvard Gold Group does not act as an exchange, brokerage firm, or financial advisor, and does not offer investment, tax, or legal advice regarding the suitability of the Products. Investing in precious metals entails risks, and the valuation of precious metals is influenced by various factors, including but not limited to supply and demand dynamics, economic and monetary policies, and political events. The impact of these events on the value of precious metals cannot be accurately predicted, and as a result, prices and values may fluctuate over time. Harvard Gold Group makes no representations or guarantees concerning the future performance of any purchase, including the potential appreciation of the Products. It is important to consider precious metals as a long-term investment, and buyers should be prepared and willing to hold the Products for a minimum of three to five years to maximize potential gains. Therefore, individuals should avoid allocating capital to precious metals unless they can hold the metals for this specified time period. Additionally, precious metals are not suitable for individuals seeking current income. Harvard Gold Group suggests that precious metals and coins may be appropriate for five to twenty percent of an individual's portfolio, but the determination of the suitable percentage should be based on the individual's financial goals and circumstances. The decision to purchase or sell precious metals should be made independently by the individual buyer after conducting thorough research and analysis of their own financial needs and circumstances, and after obtaining appropriate independent financial or tax advice.

Harvard Gold Group's representatives are not licensed financial advisors, and no fiduciary relationship is established between the representatives and customers of Harvard Gold Group. The representatives are commissioned salespersons whose commissions are partially influenced by the type and quantity of metal they sell, with numismatic, semi-numismatic, and premium items carrying higher commissions and profit margins. The representatives are not authorized to provide investment, tax, or legal advice concerning the Products. Individuals interested in including precious metals in their IRA or other retirement accounts should consult with a qualified tax professional to assess any potential tax consequences before proceeding with the investment.

The statements included in this risk disclosure are intended for informational purposes only and should not be construed as investment advice regarding the suitability of any specific form of investment. Any performance data provided are based on past performance alone and do not guarantee or predict future performance or results. Harvard Gold Group does not warrant or guarantee the accuracy of the information contained herein, which may have changed due to recent financial data or events.

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