DISCLAIMER

This Disclaimer applies to all content, products, services, and materials made available through this website and its related platforms (collectively, the "Website" or the "Product"). By accessing or using the Website in any manner, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer in addition to the General Terms and Conditions and Privacy Policy published on the Website.

Educational Purposes Only

1.1. All content, information, materials, tools, resources, communications, and products made available on or through the Website, including but not limited to text, videos, audio, charts, examples, case studies, templates, and community discussions (collectively, the "Content"), are provided strictly and exclusively for educational purposes only.

1.2. The Product is defined and offered as an educational service. Any demonstrations, explanations, or illustrative examples of financial concepts, strategies, methods, or tools are intended solely to support learning and general understanding and shall not be interpreted as individualized advice or as a solicitation to undertake any particular financial, investment, business, or tax action.

No Professional, Financial, Investment, or Tax Advice

2.1. The Website owner, the Creator, and any affiliates, employees, contractors, licensors, or partners (collectively, the "Provider") do not provide professional financial, investment, legal, accounting, or tax advice through the Website or the Product.

2.2. Nothing contained in or accessible through the Website or the Product constitutes:

personalized financial advice;

investment advice or a recommendation to buy, sell, or hold any security, asset, financial instrument, or product;

tax advice or guidance on optimizing tax positions;

legal or regulatory advice regarding compliance, licensing, or structuring;

any other professional advice regulated under applicable laws.

2.3. Any references to financial markets, historical performance, hypothetical scenarios, strategies, instruments, portfolios, or income opportunities are illustrative and educational in nature and are not to be relied upon as the basis for any real-world financial decision.

2.4. You understand and agree that no communication, whether written, verbal, or otherwise, from the Provider, whether via the Website, email, messaging tools, contact forms, community areas, or any other channels, shall be construed as professional financial, investment, or tax advice.

No Offer, Recommendation, or Solicitation

3.1. The Content does not constitute and shall not be construed as:

an offer or solicitation to buy, sell, or subscribe to any securities, financial products, or services;

a recommendation or endorsement of any specific financial product, service, institution, platform, strategy, or investment;

an invitation to engage in any form of regulated financial activity.

3.2. Any views, opinions, examples, or statements expressed in the Content (including those from guest contributors or users) are general in nature, may be subjective, may not be suitable for your particular circumstances, and may not be complete or up to date.

No Reliance; Independent Judgment Required

4.1. You acknowledge and agree that any use of the Content and any decisions you make based on such Content are made entirely at your own risk and discretion. You are solely responsible for independently evaluating the advantages, disadvantages, risks, and suitability of any financial or business decision before acting.

4.2. You must not rely on the Content as a substitute for professional advice tailored to your individual financial situation, risk tolerance, investment objectives, tax position, or legal obligations.

4.3. The Provider makes no representation, warranty, or guarantee, express or implied, that any information provided is accurate, complete, reliable, current, suitable, or appropriate for your specific circumstances or that following any concepts or methods discussed will achieve any particular result, outcome, or return.

Consultation with Qualified Professionals

5.1. Before making any financial, investment, business, tax, or legal decisions, you are strongly advised to consult with appropriately qualified and licensed professionals, which may include, as applicable:

a licensed financial adviser or planner;

a registered investment adviser;

a qualified accountant or tax professional;

a licensed attorney or legal adviser;

any other relevant professional regulated under the laws applicable to you.

5.2. You acknowledge that only such qualified professionals can assess your individual situation and provide advice that takes into account your specific financial position, regulatory environment, personal objectives, and risk profile.

No Liability for Financial Decisions, Losses, or Outcomes

6.1. To the maximum extent permitted by applicable law, the Provider assumes absolutely no liability of any kind for any financial decisions, actions, inactions, investments, trades, strategies, business activities, or other conduct that you undertake or refrain from undertaking, in whole or in part, based on your access to or use of the Website, the Product, or the Content.

6.2. Without limiting the generality of the foregoing, the Provider shall not be liable for any form of loss, damage, or adverse outcome, whether direct, indirect, incidental, consequential, special, punitive, exemplary, or otherwise, including but not limited to:

loss of capital, loss of profits, loss of revenue, or loss of income;

trading or investment losses;

business interruption or loss of business opportunities;

loss of data or corruption of data;

tax liabilities, penalties, or interest;

regulatory, legal, or compliance consequences;

reputational damage;

arising out of or in any way connected with:

your access to, use of, or reliance upon the Website, Product, or Content;

your inability to access or use the Website or Product at any time;

any errors, omissions, inaccuracies, or delays in the Content;

any third-party content, services, or links accessed through the Website.

6.3. You expressly agree that you, and you alone, bear the entire responsibility and risk for any and all financial or business outcomes that may result, directly or indirectly, from your use of the Website, Product, or Content.

6.4. Any limitation of liability provisions in the General Terms and Conditions, including but not limited to limitations concerning the Product, user content, and third-party actions, are hereby incorporated by reference and shall apply fully to all financial decisions and outcomes associated with your use of the Website.

No Guarantees of Results or Performance

7.1. Past performance, hypothetical scenarios, simulated results, or back-tested examples discussed or illustrated in the Content are not indicative of, and do not guarantee, future results or performance.

7.2. The Provider does not guarantee, promise, or warrant that:

you will achieve any particular earnings, savings, profits, returns, or financial outcomes;

any specific method, strategy, or approach discussed in the Content will be successful or appropriate for you;

the information provided will remain accurate, up to date, or free from error at all times.

7.3. Any forward-looking statements, projections, or expectations referred to in the Content are inherently uncertain and subject to numerous risks, variables, and assumptions that may be beyond the control of the Provider. Actual results may differ materially from such statements, projections, or expectations.

User Responsibility and Assumption of Risk

8.1. By using the Website, you acknowledge and agree that:

you are solely responsible for your own financial and business decisions;

you will conduct your own independent research and due diligence;

you will not treat any Content as a recommendation or directive to engage in any particular transaction or strategy;

you fully understand and accept that financial and investment activities involve substantial risk of loss, including the possible loss of your entire investment or capital.

8.2. You further agree to indemnify, defend, and hold harmless the Provider from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in any way related to:

your use of or reliance on the Website, Product, or Content;

your violation of this Disclaimer or the General Terms and Conditions;

your violation of any applicable law, regulation, or third-party right.

Third-Party Content and Links

9.1. The Website may, from time to time, contain references, links, integrations, or access to third‑party resources, platforms, services, or content that may include financial or investment information. Such external resources are not under the control of the Provider.

9.2. The inclusion of any such third‑party references or links is for convenience and educational purposes only and does not imply any endorsement, recommendation, guarantee, or responsibility on the part of the Provider regarding the accuracy, completeness, legality, or suitability of such third‑party information or services.

9.3. You access and use all third‑party content and services solely at your own risk, and any financial or business decisions arising therefrom are subject fully to the disclaimers and limitations of liability set out herein.

Relationship to General Terms and Conditions

10.1. This Financial Disclaimer supplements and should be read together with the Website’s General Terms and Conditions, including, without limitation, the sections concerning limitation of liability, intellectual property, use of the Product, and warranties.

10.2. In the event of any conflict or inconsistency between this Financial Disclaimer and other provisions of the General Terms and Conditions regarding the nature of the Content and limitation of liability for financial decisions, losses, or outcomes, the most restrictive and liability‑limiting provision shall apply to the fullest extent permitted by applicable law.

Jurisdictional Limitations

11.1. The availability of the Website, Product, or Content in any particular jurisdiction does not constitute an offer or solicitation to provide or perform any financial, investment, or advisory services where such activities would be unlawful or require registration, licensing, or authorization that the Provider does not hold.

11.2. You are solely responsible for ensuring that your use of the Website, Product, and Content complies with all laws, regulations, and rules applicable in your jurisdiction, including any requirements relating to financial activities, investment advice, or tax reporting.

Acceptance of Disclaimer

12.1. By accessing or using the Website, Product, or Content in any manner, you:

confirm that you have read, understood, and agreed to this Financial Disclaimer;

acknowledge that the Content is provided for educational purposes only;

agree that you will not hold the Provider responsible or liable for any financial decisions, losses, or outcomes arising from your use of or reliance on the Website, Product, or Content;

agree to consult with qualified professionals before making any financial, investment, business, or tax commitments.

12.2. If you do not agree with any part of this Financial Disclaimer, you must immediately discontinue use of the Website, Product, and Content.