Disclosures

Last updated: 2026-07-26

This is the page where we tell you the things that are easy to leave out. If anything anywhere else on this site seems to conflict with this page, this page is what we mean.

1. Where our registration stands

Ohey Inc has filed a Form ADV with the SEC and is working to complete registration as an internet investment adviser. Registration is NOT yet effective. Until it is, nothing Ohey publishes is investment advice.

Some detail, so you are not relying on a summary:

• We filed our Form ADV on 2026-01-05. The filing carries SEC File No. 801-135267 and CRD No. 340093.
• The SEC reviewed the filing and sent us a letter asking for changes to it. We are working through those items and intend to file an amendment. That is a normal part of the process, and it is not finished.
• A filing number is proof that we filed something. It is not a registration, it is not an approval, and it is not a licence. Please do not read it as one.
• You can look Ohey Inc up yourself on the SEC's public adviser search. We would rather you check than take our word for it.

Until registration is effective and you have signed a written advisory agreement with us, you are not our advisory client, we owe you no fiduciary duty, and everything here is educational and informational only.

2. You can lose money

Investing puts your money at risk. You can lose money, including all of the money you put in. That is true of every portfolio described anywhere on this site, and it is true of the safest looking one.

Some specific ways it goes wrong:

• Markets fall, sometimes for a long time, and sometimes right after you buy.
• A single company can fail. A portfolio spread across many names lowers that risk but never removes it.
• Some portfolios can include short positions, where a rising price costs you money and the loss is not capped in the way a normal purchase is. Short selling is not for everyone, and your broker must permit it.
• Trading has costs: commissions, the spread between the buying and selling price, borrowing costs on a short, and tax. Costs are certain. Everything else is not.
• You may not be able to buy or sell at the price you expected, especially in a fast or thin market.
• Being out of the market has a risk of its own, which is that you fall behind inflation.

Nobody at Ohey can promise you an outcome, and nobody at Ohey will try to. If you cannot afford to lose the money, do not put it at risk.

3. Anything we discuss is hypothetical or paper, and is not a client track record

We publish no figures on this site. Where we describe how a strategy behaves, in any document, in any post, in any conversation, treat it as hypothetical or as paper trading. It is not a record of client money.

• Hypothetical means a study. A study of how a set of rules would have behaved in the past is prepared with the benefit of hindsight. It carries no financial risk, it did not have to be lived through, and it cannot capture everything a real account faces, including costs, taxes, being unable to get a fill, and your own nerve.
• Paper means simulated orders. Paper trading places no real money and takes no real risk. A paper order is always filled. A real order is not.
• No client track record exists. We have no clients under an advisory agreement, because our registration is not effective. Nothing you see is what a client of ours experienced.
• The past does not tell you what will happen next. A strategy that behaved one way before can behave differently, and worse, in the future.

4. Software alone selects the portfolio

Your questionnaire answers go into a fixed set of rules, and those rules pick ONE of a finite set of pre built model portfolios. It is one hundred percent software. No human at Ohey looks at your file and picks or adjusts anything for you. People at Ohey build and maintain the models for everyone, not for any one person.

What follows from that, honestly:

• The software knows only what you typed. It does not know your debts, your job, your family, your tax position, your other accounts, or how you will feel in a bad month.
• If your answers are inaccurate or out of date, the portfolio you are shown may be wrong for you. Keep them current.
• The mapping is a starting point built from general rules, not a financial plan and not a substitute for a professional who knows your whole situation.
• You place every order yourself, at your own broker. We hold no money, take no discretion, and execute nothing.

5. A portfolio can be withdrawn or substituted

Every portfolio on the shelf has to pass our own internal certification before it is offered to anyone. That check is ours, it is not a regulatory approval, and passing it is not a promise about the future.

If a portfolio fails that check, or stops passing it, we take it off the shelf. When that happens to a portfolio your profile would otherwise point to, the software maps you to the closest one that is still certified, and tells you that is what it did. We would rather show you a substitute and say so than serve something we do not stand behind.

At least one portfolio is defined in our documentation but is not currently offered for exactly this reason. It has not passed certification. We are not saying when or whether that will change, and nothing on this site should be read as suggesting it is about to.

6. Conflicts of interest

Every firm has conflicts. The useful question is which ones, and whether the firm will name them without being asked. Here is our list.

Conflicts we have removed by design

Conflicts we still have, named plainly

• We are paid by subscription, and that is our only revenue. A subscription business wants you to subscribe and to stay. That gives us a reason to make the product look attractive. Our answer is to publish no figures, to say plainly when something did not work, and to build the price tiers so that no tier can ever unlock a portfolio your stated risk answers do not permit.
• We decide which portfolios go on the shelf. We also decide what passes our own certification. That is our judgement, it is not independent, and you should treat it as our opinion rather than as a verified fact.
• Capacity. A concentrated portfolio can only absorb so much money before the crowd starts working against the people in it. Selling more subscriptions is good for us and, past a point, bad for subscribers. We track this and we will limit or close a portfolio rather than pretend the ceiling is not there.
• Personal holdings. People at Ohey invest their own money and may hold, buy, or sell a security that also appears in a portfolio we publish. We publish portfolios in advance and on a fixed schedule, and nobody at Ohey is paid based on which portfolio you are shown. We will keep this disclosed rather than claim it never happens.
• The tiers. Higher priced tiers show more of the product. A tier can restrict what you see. A tier can never loosen a suitability limit, and paying us more never unlocks a portfolio that your stated tolerance for loss rules out.

7. How we publish

We publish a portfolio the evening before it would be acted on, with a timestamp applied at the time of publication. The record is append only. We do not edit a published portfolio afterwards, and we do not quietly delete one. When we retire something, the retirement is published too.

This is a discipline we impose on ourselves so that a reader can check us. It is not a guarantee of anything, and it is not audited by anyone outside the firm.

8. Data from other sources

We use market data from third parties. It can be delayed, incomplete, or wrong, and a data problem can change what a portfolio looks like. We check what we can, and we will tell you when something looked wrong. Do not treat any figure on a screen as a price you can get.

9. Fees and checkout

Checkout is closed. Nobody can subscribe and nobody can pay us today. See the Pricing page for the tiers we intend to offer and for what a place on the list does and does not mean.

10. How to raise a complaint

If something we did was wrong, unclear, or unfair, tell us. We would rather hear it than not.

1. Write to us at [email protected] with the word "complaint" in the subject line. Tell us what happened, when, and what you would like us to do about it.
2. We will acknowledge it within five business days and give you a substantive answer within thirty days. If we need longer, we will tell you why and when to expect an answer.
3. We keep a record of every complaint and how it was resolved, as an investment adviser is expected to.
4. If you are not satisfied, you can take it further. You may contact the SEC through its investor complaint service at sec.gov, or your state securities regulator, or your state attorney general. Nothing in our terms stops you, and we will not treat you worse for doing it.

If your complaint is about your money or your account, remember that we never hold either. That is a matter for your broker, and we will help you work out who to contact.

Ohey Inc has filed a Form ADV with the SEC and is working to complete registration as an internet investment adviser. Registration is NOT yet effective. Until it is, nothing Ohey publishes is investment advice. Investing puts your money at risk and you can lose money, including all of the money you put in.