Disclaimer

Effective date: June 3, 2026

This page explains what HoneyJuny is, what it isn’t, and the limits of what you should rely on it for. By using this site, you accept the terms below.

1. Not investment advice

Everything on this blog — every article, every chart, every reference to a specific stock, ETF, sector, or strategy — is opinion and educational content only. It is not investment, legal, tax, or financial advice.

The author is not a licensed financial advisor, registered investment adviser, broker-dealer, or representative of any regulated financial entity. The author does not hold the CFA designation, the CFP designation, the Series 7, the Korean Investment Advisor license, or any equivalent professional credential.

What you do with the information here is entirely your own decision and your own responsibility.

2. No personalized recommendations

Nothing on this site is tailored to your specific financial situation, goals, risk tolerance, or jurisdiction. Articles describe markets, sectors, strategies, and historical patterns in general terms. They do not account for:

  • Your income, assets, or liabilities
  • Your tax situation
  • Your investment time horizon
  • Your risk tolerance
  • Local laws, taxes, or regulations that apply to you
  • Currency exposure relevant to your home jurisdiction

Before making any investment decision, consult a qualified financial advisor who is licensed in your jurisdiction and familiar with your specific circumstances.

3. No guarantee of accuracy

I make a real effort to source information from primary materials — DART filings, KRX press releases, Financial Services Commission announcements, academic papers, and reputable financial publications. Where I cite numbers, I try to include the source and date.

That said:

  • Markets move fast. Numbers and policies referenced in articles may be outdated by the time you read them.
  • I make mistakes. Despite review, factual errors can slip through.
  • Sources themselves can be wrong, incomplete, or revised after publication.
  • Translations from Korean-language sources may contain nuance errors.

Always verify critical information against primary sources before acting on it. I will correct factual errors when notified, but I cannot guarantee that every article is error-free at any given moment.

4. Past performance, future results

Articles often reference historical data, backtests, or market patterns. These references are illustrative, not predictive.

  • Past performance does not guarantee future results.
  • Backtested strategies often fail in live trading due to costs, slippage, regime change, and overfitting.
  • Patterns that held in one decade may not hold in the next.
  • Specific stocks that performed well in the past may not perform well in the future.

Treat any historical reference as a way of understanding context, not as a forecast.

5. Forward-looking statements

Some articles include statements about what may happen in the future — what a policy might lead to, how a market might react, where a sector might be headed. These are speculation, not prediction.

Forward-looking statements depend on assumptions that may turn out to be wrong, and they involve risks and uncertainties that cannot be fully anticipated. Do not rely on them as fact.

6. Currency, tax, and jurisdiction

Most articles on this site reference Korean equities, the Korean won (KRW), the Korean Exchange (KRX), and Korean regulatory bodies. The legal, tax, and trading implications of any topic discussed depend heavily on your country of residence.

  • Korean tax law differs significantly from US, EU, and other tax systems.
  • Foreign investor access to KRX requires specific accounts and registrations in some jurisdictions.
  • Currency conversion costs and FX risks are real and not always discussed in detail in individual posts.
  • Some Korean securities (such as certain STOs or restricted listings) may be unavailable to foreign retail investors.

Always confirm with a qualified local advisor whether and how a topic applies to you.

7. Affiliate and revenue disclosure

This blog is supported by Google AdSense advertising revenue. The author does not receive payment for mentioning specific stocks, ETFs, brokerages, or services. No content on this site has been sponsored, paid, or directed by any third party. If a name appears in an article, it appears because it is relevant to the topic — not because of compensation.

8. External links

Articles may link to external sites including academic papers, regulator publications, news outlets, financial data providers, and YouTube videos. I do not control these external sites and cannot guarantee the accuracy, safety, or continued availability of their content.

9. No liability

To the maximum extent permitted by law, the author of this site disclaims all liability for any loss, damage, or harm — direct, indirect, incidental, or consequential — arising from your use of the information published here, including but not limited to:

  • Investment losses
  • Tax penalties
  • Decisions based on outdated or incorrect information
  • Reliance on forward-looking statements that did not come true
  • Failure to follow up with a qualified advisor

You use this site entirely at your own risk.

10. Changes to this disclaimer

This disclaimer may be updated to reflect changes in the law, the site’s content, or the author’s circumstances. The effective date at the top of this page will be updated when changes are made. Continued use after a change constitutes acceptance of the updated terms.

11. Questions

Questions about this disclaimer can be sent through the Contact page. Note that the author cannot answer questions that would require personalized financial advice.

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