What this tool is — and is not.

The analyses produced are informational and educational. They do not constitute investment advice, nor a personalised recommendation to buy, sell or hold any asset. No user profile, objective or financial situation is taken into account.

For any real decision, consult a licensed professional (a financial adviser regulated in your jurisdiction).

OplynQ is a decision-support copilot: it provides analyses, probabilities and scenarios — you decide. No buttons and no buy / sell signals. Real-money investing remains gated (explicit validation and authorisation).

Investing carries a risk of capital loss, up to the entirety of the amounts committed. Market volatility — particularly in crypto-assets and forex — can be high.

Past performance does not predict future performance. No result shown here is a promise of gain.

The product applies one guiding principle: risk before return. Model outputs are probabilistic, never certain, evaluated out of sample (walk-forward), and presented with their uncertainty. When no statistical edge is established, the system says so explicitly rather than inventing a signal.

Acknowledged limits: risk measures (VaR, Monte-Carlo) rely on simplifying assumptions (often normality of returns, while real tails are fatter); the available history is finite and may not cover certain market regimes; indicators are computed point-in-time to avoid look-ahead bias, but no model predicts the future reliably.

Market and macroeconomic data come from third-party providers, used within their free offerings / non-commercial terms: Yahoo Finance (via yfinance), CoinGecko, Alpha Vantage, Finnhub (real-time prices) and FRED (macro series from the Federal Reserve Bank of St. Louis).

These data are provided “as is” and may contain errors, delays or gaps. The quality pipeline validates them and flags anomalies without ever filling them in artificially. Cited trademarks and rights belong to their respective owners; please respect each provider's terms of use.

Without an account, OplynQ collects no personal data: the portfolio you import is processed in your browser and is not sent to our servers (only the asset symbols are queried to fetch their prices). No tracking cookies, no ads.

With an account, we collect the strict minimum needed to operate the service: your email address and chosen name (legal basis: performance of the contract), the portfolio you choose to save, and your conversations with the copilot (feature delivery). This data is never sold or shared for advertising, and is kept only while the account exists. You may request access, rectification, or the complete deletion of your account and its data by writing to the publisher's contact address; deletion is carried out within 30 days.

Technical processors (hosting and operation only): Supabase (database, EU), Render (API, EU), Vercel (site), Resend (account emails), Google (only if you choose Google sign-in), DeepInfra (processing of messages sent to the copilot — never your raw statement). Technical observability (Sentry) is configured without personal data (send_default_pii = False).

The user remains solely responsible for the use made of these analyses and for any investment decisions. The authors decline all liability for losses resulting from the use of this tool.