Earnings & Legal Disclaimer
EARNINGS & LEGAL DISCLAIMER
Hybrid Finance
(A trademark of Hybrid International Group Ltd)
Last updated: 30/04/2026
1. Purpose of this Disclaimer
This Disclaimer governs the use of the website, platform, social media channels, communities, training rooms, signal channels, materials, and any other content or service provided by Hybrid Finance ("the Service") by any user, prospect, or client ("the User").
By accessing, browsing, registering, requesting information, or otherwise using the Service, the User declares to have read, understood, and unconditionally accepted this Disclaimer in its entirety, together with the Terms and Conditions, the Privacy Policy, and the Cookie Policy.
If the User does not accept any provision of this Disclaimer, they must immediately cease using the Service.
2. Educational Nature of the Service – No Financial Advice
2.1 All content provided by Hybrid Finance — including, by way of example and not limitation, the website, funnels, members-only areas, communities, training rooms, signal channels (Hybrid Setup Forex, Hybrid Setup Gold, Hybrid Speculative Portfolio), Telegram channels, social media (Telegram, Instagram, YouTube, TikTok, and others), private one-to-one calls, coaching sessions with Fabio Spallone, weekly live sessions, recorded courses, written materials, PDFs, reports, performance tracking dashboards (including the public Notion page), and any other communication — is intended exclusively for educational, informational, and didactic purposes.
2.2 Nothing communicated by Hybrid Finance, in any form or through any channel, constitutes:
financial advice or investment advice as defined by applicable law;
personalized recommendations on financial instruments, portfolios, or trading strategies;
management or administration of third-party assets or accounts;
copy trading, social trading, signal-following execution, or any form of automated or assisted order execution on behalf of the User;
solicitation, promotion, placement, or distribution of regulated financial products or services;
offers to buy, sell, or trade any financial instrument;
intermediation, mediation, or brokerage of financial products.
2.3 Hybrid International Group Ltd is NOT:
a financial advisor;
an authorized investment firm;
a registered consultant under any financial regulator (including but not limited to CONSOB, OAM, OCF in Italy; FCA in the United Kingdom; SEC or FINRA in the United States; ESMA, BaFin, AMF, CySEC, or other national authorities);
a broker, intermediary, or counterparty in any financial transaction.
2.4 Every operational decision made by the User is taken in complete autonomy and personal responsibility. The User is encouraged, where appropriate, to consult a licensed financial advisor or qualified professional in their country of residence before engaging in any investment or trading activity.
3. Live Sessions, Trade Setups, and Coaching – Educational Framework
3.1 Weekly Live Sessions
The weekly live sessions provided by Hybrid Finance are strictly educational. They are designed to:
analyze general market conditions and contexts;
explain operational concepts, strategies, and methodologies;
present case studies and post-trade analyses for didactic purposes;
update students on ongoing research and market views.
Live sessions do not provide instructions to "buy now," "sell now," or any equivalent direct operational command. The opinions and views expressed during live sessions reflect the personal perspective of the speaker (including Fabio Spallone or other tutors) and are shared exclusively for learning purposes. Students are explicitly discouraged from blindly replicating any operation discussed, as each individual has different financial goals, risk tolerance, and personal circumstances.
3.2 Trade Setups (Hybrid Setup Forex, Hybrid Setup Gold, Hybrid Speculative Portfolio)
Hybrid Finance shares trade setups within private channels accessible exclusively to enrolled students. These channels include:
Hybrid Setup Forex (Forex pairs);
Hybrid Setup Gold (precious metals, primarily gold);
Hybrid Speculative Portfolio (indices and, occasionally, cryptocurrencies — accessible only to students with a minimum trading capital of €3,000).
The trade setups, while including indicative entry levels, stop-loss levels, and multiple take-profit levels (TP1, TP2, TP3), are strictly educational tools designed to teach operational maneuvers such as margin management, position scaling, partial closing, and trade management. Each setup is shared with the explicit understanding that:
the User is free to follow it or ignore it entirely;
position sizing is at the sole discretion of the User, based on personal risk tolerance and money management;
the multiple take-profits serve a didactic function (illustrating different operational maneuvers) and not a guaranteed profit target;
past setups and their results do not guarantee future setups will produce similar outcomes.
A specific disclaimer reminding students of the educational nature of the setups and of their personal responsibility is published in the pinned rules of each channel and is republished daily before any new setup is shared.
3.3 One-to-One Coaching
Private coaching sessions (including those held by Fabio Spallone, Chief Analyst, or other Hybrid tutors) are strictly educational. They are designed to analyze the student's existing trading approach, identify operational mistakes, refine methodology, and support the student's growth as a trader.
Coaching sessions never provide buy/sell instructions, personalized investment advice, or trade execution support. The student remains the sole decision-maker.
3.4 Performance Tracking (Notion Dashboard)
Hybrid Finance maintains a publicly accessible Notion dashboard that tracks the historical results of trade setups shared in the educational channels, primarily measured in risk-reward ratio (RR) terms. This dashboard:
is intended solely for educational and transparency purposes;
reflects didactic outcomes, not the actual trading performance of any client account;
does not represent typical client results, as actual outcomes depend on each individual's money management, position sizing, execution, broker conditions, and personal decisions;
is verifiable by cross-referencing the timestamps and content of setups published in the educational Telegram channels;
does not constitute a track record of returns achievable on real trading accounts.
The User acknowledges that a positive RR record on the Notion dashboard does not translate into guaranteed profits on any individual trading account.
4. No Guarantee of Earnings, Profits, or Results
4.1 Hybrid Finance does not, in any form or through any channel, guarantee:
profits, returns, or earnings of any kind;
specific or replicable trading results;
the achievement of any financial, economic, or personal objective;
a minimum return on investment (ROI);
a specific win rate or performance level;
the success of any trade, strategy, or methodology.
4.2 Any examples, testimonials, interviews, success stories, account statements, screenshots, payout proofs, performance figures, RR statistics, or content displayed on the website, social media, advertising materials, public Telegram channels, the Hybrid Feedback channel, YouTube videos, Trustpilot reviews, or any other promotional or informational source are intended for illustrative purposes only and do not represent typical results.
4.3 Past performance is not a guarantee of future results. Outcomes vary significantly depending on numerous factors, including but not limited to: trading experience, available capital, discipline, emotional control, money management, position sizing, broker conditions, market volatility, news events, execution timing, and personal decisions.
4.4 Hybrid Finance explicitly states that a significant percentage of retail traders incur losses when trading leveraged financial instruments — statistically estimated at over 70%, frequently quoted at 70–80%. The User accepts this risk as inherent to trading activity.
4.5 No communication issued by Hybrid Finance — whether in marketing materials, sales calls, live sessions, social media, or any other channel — may be interpreted as a promise of profit, an inducement to invest, or a guarantee of any specific result.
5. Trading Risks and Loss of Capital
5.1 Trading financial instruments — including but not limited to CFDs, Forex, indices, commodities, stocks, ETFs, and cryptocurrencies — and especially trading with leverage, involves a high level of risk and may result in the partial or total loss of the capital invested.
5.2 The use of high leverage (such as 1:100, 1:500, or higher), often available through offshore brokers chosen autonomously by the User, substantially amplifies both potential gains and potential losses. The User is fully aware that:
losses can exceed initial expectations;
adverse market movements can occur rapidly and without warning;
no strategy, system, methodology, or trade setup can eliminate market risk;
liquidity, slippage, and execution issues may impact actual trading outcomes;
emotional decisions and lack of discipline are common causes of losses.
5.3 The User undertakes to:
use only capital they can afford to lose;
never use funds intended for essential expenses, debts, mortgages, or financial obligations;
assess their financial situation, experience, and risk tolerance honestly before trading;
understand the specific risks of each instrument and broker chosen;
never rely on any educational content, setup, or analysis as a guarantee of profit.
5.4 Hybrid Finance assumes no liability for any loss of capital, missed profit, opportunity cost, or financial damage suffered by the User as a result of trading activity, regardless of whether such activity was inspired by, related to, or independent of any educational content provided.
6. Broker Selection and User's Free Choice
6.1 Three Independent Access Methods
The User is free to access Hybrid Finance services through any of the following alternative methods, at their sole discretion and personal responsibility:
a) Opening a trading account with a third-party Partner Broker and making a deposit (zero-direct-cost access to Hybrid services);
b) Direct purchase of Hybrid subscriptions (Hybrid Lab, Hybrid Signals, Hybrid Ecosystem, with prices ranging approximately from €397 to €1,197 for shorter durations and other tiers for 36-month plans), without any obligation to open a broker account;
c) A combination of both methods.
6.2 Choice of Broker — Regulated vs. Offshore
Hybrid Finance presents the User with a list of options of partner brokers — both regulated entities (subject to oversight by financial authorities such as FCA, CySEC, BaFin, ASIC) and offshore entities (operating under jurisdictions with less stringent regulatory frameworks).
The User acknowledges and accepts that:
the choice of broker is entirely autonomous and is made by the User based on personal preferences (e.g., desired leverage, available trading instruments, account features, deposit/withdrawal conditions);
offshore brokers may offer higher leverage (e.g., 1:100, 1:500, or higher) compared to regulated brokers, but also typically lack the consumer protections offered by regulated jurisdictions, including but not limited to: investor compensation schemes, segregation of funds guarantees, regulatory recourse mechanisms, and ombudsman services;
the User is fully and exclusively responsible for the choice of broker, including the consequences of choosing an offshore broker without regulatory protections;
Hybrid Finance does not recommend, endorse, or pressure the User toward any specific broker. Hybrid limits its role to presenting the available options and providing factual information about partner brokers.
6.3 Hybrid's Compensation from Brokers
Hybrid Finance may receive a one-time commission from Partner Brokers for each new client introduced, paid by the broker as a commercial partnership fee. Such compensation:
is paid at no additional cost to the User;
is not deducted from the User's trading account, profits, or capital;
is not based on the User's trading volumes (no rebates per lot or volume-based commissions), in order to ensure that the User receives the best available trading conditions;
does not influence the educational content, methodology, or guidance provided by Hybrid.
6.4 No Regulatory Advisory or Brokerage Role
Hybrid Finance is NOT registered as a financial advisor, broker, intermediary, or mediator with any financial regulator. The User acknowledges that Hybrid's role is limited to educational services and the provision of factual information about third-party brokers.
6.5 Verification of Local Compliance
The User declares that they are solely responsible for verifying that:
the use of Hybrid Finance services is permitted in their country of residence;
the opening and use of an account with the chosen broker (whether regulated or offshore) is lawful under the regulations applicable to them;
they comply with any tax, reporting, or declaration obligations arising from their trading activity.
Hybrid Finance offers its services internationally, with the exception of jurisdictions where the activity is prohibited or restricted, including but not limited to the United States and the United Kingdom, and any other country where access may not be permitted at Hybrid's discretion.
7. Relationship with Third-Party Brokers – No Liability
7.1 For any trading activity, the User uses third-party brokers that are legally and operationally independent from Hybrid International Group Ltd. The contractual relationship regarding the trading account is exclusively between the User and the broker.
7.2 Hybrid Finance:
does not hold User funds at any time;
does not have access to User trading accounts (no investor password, no API access, no account credentials);
does not manage capital, positions, or trading activity on behalf of the User;
does not execute orders, trades, or operations for the User.
7.3 Hybrid Finance assumes no liability for, including but not limited to:
technical or operational malfunctions of the broker (platform downtime, execution errors, slippage, requotes);
changes to broker conditions (spreads, leverage, commissions, swap rates, available instruments);
delays, blocks, or refusals of withdrawals;
account freezes, suspensions, KYC/AML procedures, or compliance investigations conducted by the broker;
insolvency, default, bankruptcy, regulatory action against, or service interruption of the broker;
losses resulting from broker-side execution issues;
changes in the broker's terms and conditions, capital allocation programs, or funded account rules;
the regulatory status of the broker in the User's country of residence.
Any commercial communication, promise, or representation made by the broker to the User, including but not limited to representations regarding payout speeds, leverage availability, account upgrades, or promotional conditions
7.4 Should any broker terminate the partnership with Hybrid, modify its services, suspend operations, or otherwise become unavailable, Hybrid is under no obligation to replace the broker, restore equivalent services, or compensate the User in any form.
8. Hybrid Allocation / Funded Accounts – Specific Disclaimer
8.1 The Hybrid Allocation program (also referred to as "Hybrid Funded Accounts" or "capital up to €1,000,000") is a service provided exclusively by third-party Partner Brokers, not by Hybrid Finance.
8.2 Under this program:
the User opens a personal trading account with the Partner Broker and trades with their own capital;
if the User demonstrates specific competencies (assessed via a free challenge with no entry fee), the Partner Broker may grant access to additional capital ("funded account") allocated and owned by the broker itself;
the User trades on the broker-owned funded account and receives a percentage of the profits generated (profit split currently ranging from 40% to 90% depending on the program and broker rules);
the User's personal capital is never used to fund the funded account: the additional capital is provided entirely by the broker;
as of the date of this Disclaimer (30/04/2026), the maximum drawdown allowed on funded accounts is approximately 7%, but this and other operational rules are subject to change at any time by the broker, without prior notice from Hybrid.
8.3 Hybrid Finance does not:
provide, hold, or own the capital allocated under the program;
guarantee access to additional capital;
guarantee the amount of capital that may be allocated;
guarantee the continuation of the program over time;
guarantee specific drawdown rules, profit splits, or operational conditions;
guarantee payouts, withdrawal speeds, or any specific financial outcome.
8.4 All rules, conditions, criteria, drawdown limits, profit splits, payout schedules, and operational requirements are set unilaterally by the Partner Broker and may be modified, suspended, or terminated at any time without Hybrid's involvement or responsibility.
8.5 The User acknowledges that:
failure to pass the challenge does not entitle the User to any refund, compensation, or alternative service from Hybrid;
exceeding the drawdown limit results in the loss of access to the funded account (but not of the User's personal capital, which remains in the User's personal account);
the User assumes full responsibility for understanding and complying with the broker's rules, which are communicated directly by the broker.
9. Public Communications, Testimonials, and Marketing Materials
9.1 Hybrid Finance shares public testimonials, interviews, success stories, account statements, payout screenshots, bank transfer proofs, and student feedback through various channels, including but not limited to:
the Hybrid Finance website;
social media accounts (YouTube, Instagram, Telegram, TikTok, and others, in multiple languages);
the public Hybrid Feedback Telegram channel (available in multiple languages);
the public Trustpilot profile;
advertising campaigns (Meta Ads, Google Ads, and others).
9.2 All such testimonials and materials:
are for illustrative purposes only and do not represent typical or average results;
are shared voluntarily by clients who wish to share their personal experience with Hybrid Finance;
are accompanied by visible disclaimers in the materials themselves, on the channels where they are published, and in the linked Terms and Conditions and Disclaimer pages;
do not constitute promises of similar results for any other User.
9.3 Clients featured in testimonials confirm — at the time of recording or sharing — their consent to the publication of their content for the purpose of sharing their experience. Hybrid Finance retains the right to use such materials in promotional and informational contexts, in accordance with applicable privacy law and the Privacy Policy.
9.4 No testimonial, interview, or success story should be interpreted by the User as a guarantee, promise, or reasonable expectation of similar personal results. The User acknowledges that outcomes are highly individual and depend on factors fully under the User's responsibility.
10. Public vs. Private Channels – Important Distinction
10.1 Public channels
Hybrid Finance maintains certain channels accessible to the general public, including:
the website and landing pages;
public social media accounts;
the Hybrid Feedback Telegram channel (where student results are shared);
public YouTube content;
the public Trustpilot page.
These channels are intended to provide value, share educational content, illustrate the Hybrid methodology, and present feedback from clients. They do NOT contain operational trade setups or signals.
10.2 Private channels (students only)
The operational educational channels — Hybrid Setup Forex, Hybrid Setup Gold, and Hybrid Speculative Portfolio — are accessible exclusively to enrolled students who have been granted access through one of the access methods described in Section 6.
These private channels contain trade setups for educational purposes only, accompanied by daily disclaimers and pinned rules confirming the educational and non-binding nature of all content.
10.3 The User acknowledges that public channels do not constitute, and should never be interpreted as, financial advice or trading recommendations. The User further acknowledges that the trade setups shared in private channels are not personalized advice and require independent evaluation by the User before any trading decision.
11. Hybrid Excellence Commercial Guarantee
11.1 The Hybrid Excellence Guarantee is a voluntary commercial guarantee offered by Hybrid Finance under the conditions specified in the official Terms and Conditions.
11.2 This guarantee:
does NOT constitute a guarantee of profit, return, or financial result;
does NOT reduce or eliminate the risks associated with trading;
does NOT entitle the User to any refund of broker deposits, trading losses, or capital;
relates exclusively to a commercial bonus of up to €1,000 payable under specific verifiable conditions defined in the Terms and Conditions.
11.3 Any application of the guarantee is subject to verification procedures, comparative analysis, and conditions described in the Terms and Conditions, which prevail over any other commercial communication.
12. Affiliation Program
12.1 Hybrid Finance operates an Affiliation Program through which existing satisfied clients may refer new prospects and receive a one-time commission for each successfully enrolled client.
12.2 The Affiliation Program is not structured as a multi-level marketing (MLM), network marketing, or pyramid scheme. There are no recurring commissions, no downline structures, and no compensation tied to recruitment chains.
12.3 Affiliates are bound by separate terms and conditions and are required to comply with all applicable advertising, consumer protection, and financial communication laws in their jurisdiction.
13. Cryptocurrency – Specific Notice
13.1 Hybrid Finance does NOT operate a dedicated cryptocurrency advisory service. Educational content related to cryptocurrencies is limited and:
does NOT include personalized recommendations on which cryptocurrencies to buy, sell, or hold;
does NOT promote, endorse, or recommend any specific cryptocurrency exchange, wallet, or platform;
is included occasionally within the Hybrid Speculative Portfolio channel (private, students-only) for educational and contextual purposes, alongside indices and other instruments.
13.2 The User acknowledges that cryptocurrency trading carries additional risks, including but not limited to: extreme volatility, regulatory uncertainty, exchange insolvency, custody risks, and irreversible transactions. The User assumes full responsibility for any cryptocurrency-related decisions.
14. Intellectual Property
14.1 All content provided by Hybrid Finance — including videos, texts, slides, recordings, software, trademarks, logos, graphics, training materials, reports, and community content — is the exclusive property of Hybrid International Group Ltd or its licensors.
14.2 Unauthorized reproduction, distribution, resale, sharing, or use of any Hybrid content for purposes other than personal educational use is strictly prohibited and subject to the contractual penalties and legal actions specified in the Terms and Conditions.
15. General Limitation of Liability
15.1 To the maximum extent permitted by applicable law, Hybrid International Group Ltd, its directors, officers, employees, collaborators, partners, affiliates, and tutors shall not be liable for:
direct, indirect, incidental, consequential, special, or punitive damages;
loss of profits, loss of earnings, missed gains, or opportunity costs;
loss of capital, trading losses, or financial damages of any kind;
loss of data, business interruption, or reputational damage;
damages arising from the User's operational decisions, choice of broker, choice of access method, or choice of trading instruments;
damages arising from the misinterpretation, misuse, or unauthorized use of educational content;
technical malfunctions, interruptions, or unavailability of third-party services (including brokers, payment processors, hosting providers, communication platforms);
actions, omissions, or decisions of any third party (including Partner Brokers).
15.2 Nothing in this Disclaimer shall limit or exclude liability where such limitation or exclusion is prohibited by mandatory applicable law, including mandatory consumer protection rights under the User's country of residence.
16. Indemnification
The User agrees to indemnify and hold harmless Hybrid International Group Ltd, its representatives, collaborators, partners, affiliates, and tutors from any claim, damage, liability, cost, or expense (including legal fees) arising from:
the User's violation of this Disclaimer or the Terms and Conditions;
the User's misuse of the Service or its content;
the User's trading decisions and their consequences;
the User's choice of broker and any related claim or dispute;
false, misleading, or fraudulent statements made by the User to Hybrid or to third parties;
third-party complaints, actions, or disputes attributable to the User's conduct.
17. Consumer Rights
This Disclaimer does not limit the mandatory rights granted to the User as a consumer under the laws of their country of residence. Where mandatory consumer protection provisions provide stronger protections than those set out herein, those mandatory provisions shall prevail.
18. Modifications to this Disclaimer
Hybrid Finance reserves the right to modify this Disclaimer at any time, at its sole discretion. Updates will be published on the website with an indication of the new effective date. Continued use of the Service after publication constitutes acceptance of the updated Disclaimer. The User is encouraged to review this Disclaimer periodically.
19. Governing Law and Jurisdiction
19.1 This Disclaimer is governed by the laws of England and Wales, except where mandatory consumer protection laws of the User's country of residence apply.
19.2 Without prejudice to the consumer's right to bring proceedings before the courts of their country of residence (where applicable under mandatory consumer protection rules), any dispute arising from or relating to this Disclaimer shall be subject to the jurisdiction of the Courts of London (England & Wales).
20. Final Acknowledgment
By accessing, browsing, registering, requesting information, or otherwise using the Service, the User explicitly acknowledges and confirms that:
they have read, understood, and accepted this Disclaimer in its entirety;
they understand that Hybrid Finance provides exclusively educational and informational services;
they understand that Hybrid Finance does not provide financial advice, account management, copy trading, or any regulated financial service;
they understand the risks associated with trading, including the possibility of total loss of capital;
they assume full and exclusive responsibility for their trading decisions, choice of broker, choice of access method, and any consequence arising therefrom;
they understand that past performance does not guarantee future results;
they have autonomously verified that the use of Hybrid Finance services and the chosen broker is lawful in their country of residence;
no Hybrid representative has ever guaranteed any specific result, profit, or outcome.
the User has been informed of the three available access methods (Partner Broker, Direct Subscription, Alternative Broker with 1:30 leverage) and has selected their preferred option in full autonomy
21. Official Contacts
Hybrid International Group Ltd
Registered Office: 16 Stirling Road, Office 2C, London, W3 8DJ, England
Administrative Office: Praça Marquês de Pombal 14, 1250-162 Lisbon, Portugal
📧 Email: info@hybridfinanceinternational.com
Only contacts and channels expressly listed above are considered official. Communications received from other sources cannot be considered binding for Hybrid.
Last updated: 30/04/2026
