Investment Disclaimer

BlackForce Skill Capitalization investments are earnings share agreements, not equity investments, debt instruments, securities, or regulated financial products in the traditional sense. They are contractual arrangements between investors and learners, facilitated by BlackForce Technology Limited.

Earnings share agreements grant investors a right to receive a defined percentage of a learner's future income for a specified period, subject to the terms, conditions, and protections outlined in the individual agreement. They do not grant investors any ownership, equity, voting rights, or decision-making authority over the learner, their career, or their personal choices.

The classification and regulatory treatment of earnings share agreements may vary by jurisdiction. BlackForce does not warrant that these instruments are classified as securities, investments, or regulated financial products in any specific jurisdiction. Regulatory classification may change over time.

Nothing on this website, in BlackForce marketing materials, in conversations with BlackForce representatives, or in any BlackForce documentation constitutes financial, investment, legal, or tax advice.

All information provided by BlackForce regarding projected returns, salary ranges, employment rates, market demand, and career trajectories are forward-looking estimates based on available data and historical outcomes. These estimates are provided for informational purposes only and should not be relied upon as guarantees or promises of future performance.

BlackForce strongly recommends that all prospective investors consult with qualified, independent financial advisors, legal counsel, and tax professionals before making any investment decision. Your financial advisor should assess whether skill-backed investments are appropriate for your individual circumstances, risk tolerance, and investment objectives.

BlackForce does not guarantee any specific rate of return, income level, employment outcome, or financial result from any investment in the Skill Capitalization Platform.

Historical employment rates, salary data, and graduate outcomes from previous BlackForce cohorts are provided as context only and do not predict or guarantee future results. Market conditions, industry demand, economic factors, and individual learner performance are all variables that affect outcomes.

Investors may receive less than their original investment. In scenarios where a learner does not achieve employment above the income threshold, changes career paths, experiences prolonged unemployment, or otherwise does not generate qualifying income, earnings share payments may be minimal, delayed, or absent entirely.

All BlackForce earnings share agreements include mandatory learner protection mechanisms. These protections are non-negotiable and take precedence over investor return expectations:

Income Threshold Protection: No earnings share payments are due when a learner's income is below the defined minimum threshold. This threshold is set at a level designed to ensure learners can meet their basic living costs before any earnings share obligations apply.

Maximum Payment Cap: Total cumulative earnings share payments are capped at a defined maximum amount. Once this cap is reached, the agreement terminates regardless of the remaining duration.

Duration Limit: All agreements have a maximum duration (typically 24 to 60 months from first qualifying employment). When the duration expires, the agreement terminates regardless of whether the payment cap has been reached.

Hardship Clause: Learners experiencing documented financial hardship, serious illness, disability, or other qualifying circumstances may apply for payment pauses, reductions, or modifications.

Early Buyout: Learners may terminate their agreement early by paying a defined buyout amount at any time during the agreement period.

These protections may result in investors receiving less than projected returns. BlackForce considers these protections essential to the ethical integrity and long-term sustainability of the model.

Skill-backed investments through BlackForce are intended for investors who understand and accept the risks disclosed in this document and the accompanying Risk Disclosure statement.

These investments are not suitable for investors who require guaranteed returns, capital preservation, regular income, or liquidity. Investors should have sufficient financial resources to bear the potential loss of their entire investment without material impact on their financial circumstances.

BlackForce reserves the right to assess investor suitability and may decline investment from individuals or entities that it determines are not appropriate participants in the Skill Capitalization Platform.

This website and associated materials may contain forward-looking statements regarding BlackForce's plans, objectives, expectations, and intentions. These statements are identified by words such as 'projected', 'expected', 'anticipated', 'planned', 'estimated', 'target', and similar expressions.

Forward-looking statements are based on current expectations and assumptions that are subject to risks, uncertainties, and changes. Actual results may differ materially from those expressed or implied. BlackForce undertakes no obligation to update forward-looking statements to reflect changed circumstances.

Specific forward-looking statements that should not be relied upon as guarantees include: projected salary ranges for graduates, expected employment rates, anticipated market demand for specific skills, platform development timelines, and projected investor returns.

This website may reference third-party data, research, market reports, salary surveys, and industry statistics. BlackForce does not control, verify, or guarantee the accuracy, completeness, or timeliness of third-party information.

References to third-party companies, platforms, certifications (including Salesforce, HubSpot, ServiceNow, AWS, Microsoft Azure, and others) are for descriptive purposes only. BlackForce is not affiliated with, endorsed by, or officially partnered with these organisations unless explicitly stated.

Certification pass rates, employment outcomes, and salary data cited on this website may reflect historical results that are not guaranteed to be replicated in future cohorts.

To the maximum extent permitted by applicable law, BlackForce Technology Limited, its directors, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to investment decisions made in connection with the Skill Capitalization Platform.

This limitation applies to losses arising from: investment returns that are lower than expected, learner non-performance, changes in market conditions, regulatory changes, platform disruptions, data inaccuracies, and any other factors affecting investment outcomes.

Nothing in this disclaimer excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud or fraudulent misrepresentation.

This disclaimer and all matters arising from or related to BlackForce's Skill Capitalization Platform shall be governed by and construed in accordance with the laws of England and Wales.

Any disputes arising from or in connection with this disclaimer or the Skill Capitalization Platform shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless otherwise agreed in writing or required by applicable law.

For investors and learners in other jurisdictions, local consumer protection laws and mandatory regulations may apply in addition to or instead of the above. BlackForce complies with applicable local laws in all jurisdictions where it operates.

BlackForce reserves the right to update, modify, or replace this disclaimer at any time. Material changes will be communicated through the website and, where appropriate, directly to affected investors.

Continued participation in the Skill Capitalization Platform following publication of changes constitutes acceptance of the updated terms. The date of the most recent revision is displayed at the top of this page.

This disclaimer was last updated in February 2026.