Pending counsel review.
Income Factory is a software product operated by Bandwidth Productions Inc. It is not a registered investment adviser, broker-dealer, or securities firm, and it is not registered with or licensed by the SEC, FINRA, or any state securities regulator. We do not provide personalized investment advice, manage assets, custody money or securities, or execute trades. Nothing we provide is tailored to your individual financial situation, objectives, or risk tolerance. The analysis Income Factory generates is educational and informational only; you make all of your own trading decisions and place any trades yourself at your own broker. [COUNSEL — Q1/Q2: confirms the "not an RIA/BD" posture against the analysis framing.]
Covered call strategies involve real risk, including the risk of losing money. Selling covered calls caps the upside on your shares, can result in your shares being sold (assigned) at the strike price, and does not protect against a decline in the underlying stock beyond the premium collected. Options are not suitable for every investor. Before acting on anything Income Factory shows you, read our full Risk Disclaimers and consider consulting a licensed financial professional. [COUNSEL — confirm this cross-reference framing satisfies the disclosures/risk-disclaimers relationship.]
Income Factory relies on third-party services to function. Market data — including stock prices and options data — is sourced from Polygon.io and may be delayed, incomplete, or inaccurate; see "Market Data Latency & Accuracy" in our Risk Disclaimers. We use Brevo for email delivery and third-party cloud infrastructure for hosting. We do not guarantee the accuracy, completeness, or timeliness of any third-party data, and we are not responsible for errors or interruptions originating from these providers.
Income Factory does not currently have affiliate relationships with any broker, custodian, fund, or financial product, and we do not receive commissions, referral fees, or other compensation for directing you to any broker or product. Our only revenue is the subscription fee you pay us directly. If this changes, we will update this disclosure and tell you.
Income Factory charges a flat monthly subscription and does not earn more when you trade more, trade larger, or choose any particular strategy. We do not custody your assets, we do not earn a percentage of your assets or returns, and we have no financial interest in which trades you place or whether you place any at all. The strategy level you select (Conservative, Moderate, Aggressive) does not change what we are paid. [COUNSEL — confirm whether the "most portfolios earn the most income on Moderate" framing, surfaced elsewhere in the product, needs a conflicts note here. Ties to Q3.]
We may update these Disclosures from time to time as our product, data sources, or business relationships change. When we make a material change, we will revise the "last updated" date at the top of this page. Your continued use of Income Factory after an update means you accept the revised Disclosures.