# Disclaimer

**Last updated: 14 August 2026**

## Who this is

I'm Nick Rygiel. This site and my YouTube channel are personal, and they are
owned by **Rygiel Holdings LLC**, my own company.

**They are not associated with Protocol Wealth LLC.** I am a principal of that
firm, which is a registered investment adviser, but it does not produce, review,
sponsor, or pay for anything I publish here. Nothing here is done on its behalf.

## Not advice

**Everything I publish is for general education and information only.**

Nothing here is investment, tax, legal, or accounting advice, an offer or
solicitation to buy or sell anything, or a recommendation of any security or
strategy. Reading or watching creates **no client, advisory, or fiduciary
relationship** of any kind.

**If I mention a company, security, product, or strategy, it is an example** -
used to explain how something works, why something is built the way it is, or
what happened historically. It is not a recommendation, an endorsement, or a
suggestion that it is suitable for you. **Nothing I publish takes your
circumstances into account**, because I don't know them. Only you do - and if you
want advice that does, hire someone to give it.

**I may hold positions** in companies or assets discussed, and I may change them
at any time without notice.

**On whose opinions these are:** see the AI section below - the narration in my
videos is generated and is not me speaking. Where I state a view in my own words,
it is mine alone and may change.

## On my use of AI - please read this one

**The narration and the voices in my videos are AI-generated. That is not me
speaking.**

I choose the subject and I choose the source material. The hosts you hear are
synthetic, and the words they say are generated from those sources - **they are
not my personal statements**, and you should treat them as a reading of the
material rather than as my opinion.

I also use AI for research, drafting, editing and artwork.

**What is mine: the choice of topic, the choice of sources, and the decision to
publish.** Where a video contains realistic synthetic voice or video I flag it
with the platform's own disclosure tools as well as here.

**If something matters to you, go to the sources.** They are the thing worth
trusting; the narration is a way of getting through them.

## Accuracy, and what happens when I'm wrong

I try to be accurate and I will get things wrong anyway. Nothing here is
guaranteed to be correct, current, or complete, and I may change or remove things
without notice.

**Where I get something materially wrong, I would rather correct it visibly than
quietly.** Corrections go on the thing that was wrong.

## Third parties

Links and mentions are not endorsements. I don't control other people's sites and
I'm not responsible for what's on them.

## Comments

I don't give advice in comments, replies, or messages - including in answer to a
direct question. It isn't reticence; it's that I can't responsibly advise
someone whose situation I don't know, in a comment box.

## Contact

**nick@rygiel.family**