DIY FinanceGeneral membership does not by itself create an investment-advisory, brokerage, banking, lending, insurance, money-transmission, fiduciary, or other regulated financial relationship.
If DIY Finance or an affiliate offers a regulated service in the future, enrollment may require separate agreements, disclosures, consents, identity verification, risk or suitability information, investment-profile information, regulatory documents, professional standards, and other obligations appropriate to that service.
A future investment-advisory relationship may include a standalone investment-profile questionnaire addressing objectives, time horizon, liquidity needs, investment experience, risk tolerance, risk capacity, restrictions, and other relevant circumstances. Any mapping from that profile to a model portfolio must use an approved methodology and applicable advisory/compliance controls.
The terms governing a regulated service will control with respect to that service where they conflict with the general Membership Agreement.