Important Disclosures

Please read these important disclosures carefully before using our website or services.

Regulatory Filings

Our Form ADV Part 2A (Disclosure Brochure) contains detailed information regarding our services, fees, and business practices. A copy is available upon request and will be provided to all prospective clients before any advisory relationship begins. Fees are negotiable and will be clearly outlined in a written Investment Advisory Agreement and described in the Form ADV Part 2A.

Additional information about Aliya Financial LLC (CRD #340264) is available on the Investment Adviser Public Disclosure website at adviserinfo.sec.gov.

A copy of our Form CRS (Client Relationship Summary) is available below:

Investment Risks

Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's portfolio.

All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions, or withdrawals may materially alter the performance and results of your portfolio.

Cross-Border Investment Risks

Cross-border investing between the United States and Israel involves additional risks including:

• Currency Exchange Rate Fluctuations: Changes in USD/ILS exchange rates can significantly impact investment returns and purchasing power.
• Political and Economic Instability: International investments may be affected by political events, economic conditions, and government policies in multiple countries.
• Regulatory Differences: Different securities regulations, accounting standards, and investor protections apply in different countries.
• Tax Implications: Cross-border investments may have complex tax consequences in multiple jurisdictions. Consult with a qualified tax professional.
• Liquidity Risks: International securities may be less liquid than U.S. securities and may be more difficult to sell.
• Information Access: Less information may be publicly available about foreign companies and markets.

Educational Information Regarding Alternative Investments

Alternative investments involve substantial risk including limited liquidity, valuation uncertainty, lack of transparency, and potential conflicts of interest. These investments are not suitable for all investors.

This website may contain educational information regarding alternative investments, including derivatives, options, hedge funds, private equity, real estate partnerships, and other complex strategies. These investments involve substantial risk and may not be suitable for all investors. Alternative investments may:

• Limited Liquidity: Be highly illiquid with limited or no ability to sell or redeem investments
• Leverage Risk: Involve leverage, which can magnify both gains and losses
• Valuation Uncertainty: Lack transparent pricing and may be difficult to value accurately
• Limited Oversight: Have limited regulatory oversight compared to traditional investments
• Conflicts of Interest: May involve potential conflicts between the sponsor, manager, and investors
• Accredited Investor Requirements: Require meeting specific accredited investor qualifications
• Complex Tax Treatment: Have complex tax consequences that may vary by jurisdiction
• Lack of Transparency: Provide limited disclosure about holdings, performance, and fees
• High Fees: Often involve higher fees than traditional investments

Educational content regarding alternative investments is provided for general awareness only. Alternative investments are generally only suitable for sophisticated investors who fully understand the risks and can afford to lose their entire investment. Any future discussions in this category, if offered, would be limited to eligible investors under applicable law. Aliya Financial does not offer, sell, or recommend specific alternative investment products at this time.

No Guarantees

Aliya Financial does not guarantee any specific level of performance, investment returns, or outcomes. All investments carry risk of loss. Any projections, forecasts, or hypothetical scenarios presented are for illustrative purposes only and should not be considered guarantees of future performance.

Educational Information Only

Information on this website is for educational purposes only and does not constitute:

• Investment advice or recommendations
• Legal advice
• Tax advice
• An offer to sell or solicitation to buy securities
• A comprehensive analysis of any investment or strategy

Personalized investment advice is provided after a client enters into a written advisory agreement with Aliya Financial.

No Advisory Relationship Created

Use of this website, submission of contact forms, or participation in educational tools (such as readiness quizzes) does not create an advisory relationship with Aliya Financial. An advisory relationship is only created through execution of a written advisory agreement.

Privacy

Please review our Privacy Policy for information about how we collect, use, and protect your personal information.

We protect non-public personal information in accordance with the Gramm-Leach-Bliley Act and applicable state regulations. We are committed to maintaining the confidentiality and security of client information and will provide our Privacy Notice to all clients upon establishment of an advisory relationship.

Cybersecurity Notice: Aliya Financial maintains written cybersecurity policies and procedures designed to protect non-public personal information. In the event of a data incident involving non-public personal information, the firm will provide notifications as required by applicable law and regulation.

Questions or Complaints

For questions about our services or to file a complaint, please contact:

You may also contact the New Jersey Bureau of Securities: