3 years is absolutely nothing in stock market terms. Check in a decade.
Also you should really just invest in a super broad index fund instead of your specific tech and healthcare and stuff.
If you had only invested in a broad stock wide index fund, your 15k would be 17k right now. A total market index fund minimises risk nicely.
Sounds like the person who wrote the TOS was all over the place. Likely it’s AI generated.
Loops is currently a one man operation and I imagine TOS was the last thing they were worried about.