Disclaimer

Important Notice

Please read this disclaimer carefully before using the services provided by assetclarity ("we," "us," or "our"). By accessing or using our website at assetclarity.online and any related educational programs, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.

Educational Purpose Only

All content, materials, courses, and information provided on this website and through our educational programs are for general educational and informational purposes only. The information is not intended to be, and should not be construed as, professional financial advice, investment advice, tax advice, legal advice, or any other type of professional advice.

We are an educational platform that provides information about financial literacy concepts, including budgeting, saving, investing principles, and money management. We do not provide personalized financial planning, investment management, or professional financial advisory services.

No Financial Advice

The content on this website does not constitute financial advice. We are not licensed financial advisors, certified financial planners, investment advisors, accountants, or tax professionals. The information provided is general in nature and is not tailored to your specific financial situation, goals, or needs.

You should always:

• Consult with qualified financial professionals before making any financial decisions
• Seek advice from licensed advisors regarding your specific circumstances
• Conduct your own research and due diligence
• Consider your own financial situation, risk tolerance, and objectives

No Guarantees or Promises

We make absolutely no guarantees, promises, or warranties regarding:

• Financial outcomes or results from using our educational materials
• Investment returns or performance
• Earnings, income, or profit potential
• Debt reduction or credit score improvement
• Achievement of any specific financial goals
• Future financial success or security

Any financial decisions you make based on information from our educational programs are made at your own risk. Your individual results will vary and depend on numerous factors including but not limited to: your financial situation, knowledge, skills, effort, dedication, market conditions, economic factors, and circumstances beyond our control.

No Results Guaranteed

We expressly disclaim any representation or warranty that you will achieve any particular result from our educational programs. Past performance, examples, case studies, or testimonials (if any) do not guarantee future results. Every individual's financial situation is unique, and results vary significantly from person to person.

Financial education may help you make more informed decisions, but it does not guarantee improved financial outcomes. Success depends on many factors, including your personal circumstances, the effort you put into applying what you learn, external economic conditions, and numerous other variables beyond our control or prediction.

Investment and Market Risks

Any educational content regarding investing, investment concepts, or financial markets is for informational purposes only. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Investment markets are subject to volatility and can go up or down.

We do not recommend specific investments, securities, or investment strategies. Any examples or discussions of investments are for educational illustration purposes only and should not be interpreted as recommendations or endorsements.

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, completeness, reliability, or timeliness of any content on our website or in our educational materials.

Financial laws, regulations, tax rules, and market conditions change frequently. Information that was accurate at the time of creation may become outdated. We are not obligated to update content to reflect changes, though we may do so at our discretion.

You should verify any information before relying on it for financial decisions.

Third-Party Information

Our website or educational materials may reference or link to third-party websites, resources, tools, or services. We do not endorse, control, or assume responsibility for any third-party content. Any reliance on third-party information is at your own risk.

Links to third-party sites are provided for convenience only and do not constitute an endorsement or recommendation of those sites or their content.

Personal Responsibility

You acknowledge and agree that:

• You are solely responsible for your financial decisions and actions
• You will conduct your own due diligence before making financial decisions
• You will seek professional advice appropriate to your circumstances
• You understand that financial education does not replace professional financial advice
• You accept full responsibility for the results of your financial decisions
• You will not hold us liable for any financial losses or adverse outcomes

No Professional Relationship

Use of our website or participation in our educational programs does not create a professional advisor-client relationship, fiduciary relationship, or any other professional relationship between you and assetclarity, its owners, employees, or affiliates.

We are not acting as your financial advisor, investment advisor, tax advisor, legal advisor, or in any other professional capacity.

Limitation of Liability

To the fullest extent permitted by law, assetclarity and its owners, officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to:

• Your use of or inability to use our website or educational programs
• Any information, content, or materials on our website
• Any financial decisions you make based on our educational content
• Any financial losses, lost profits, or lost opportunities
• Any errors, omissions, or inaccuracies in our content
• Any unauthorized access to or use of our servers or your information

This limitation applies even if we have been advised of the possibility of such damages.

Canadian Context

While our educational content is designed for a Canadian audience and may reference Canadian financial institutions, tax laws, or regulations, this does not constitute advice specific to Canadian law or regulations. Tax laws and financial regulations are complex and subject to change. Always consult with Canadian-licensed professionals for advice specific to Canadian law.

No Medical or Health Claims

We do not make any medical, health, or therapeutic claims. Financial stress is a common concern, but we do not claim that our educational programs will cure, treat, or prevent any medical or mental health conditions. If you are experiencing stress or anxiety related to financial matters, please consult with appropriate healthcare professionals.

External Factors

Your financial outcomes are influenced by numerous external factors beyond our control, including but not limited to: economic conditions, interest rates, inflation, employment markets, government policies, tax laws, market volatility, technological changes, and personal circumstances.

We cannot predict or control these external factors and make no representations about future economic or market conditions.

Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Any changes will be effective immediately upon posting to the website. Your continued use of the website after changes are posted constitutes your acceptance of the modified disclaimer.

It is your responsibility to review this disclaimer periodically for updates.

Governing Law

This disclaimer is governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Severability

If any provision of this disclaimer is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely matches the intent of the original provision.

Entire Agreement

This disclaimer, together with our Terms and Conditions and Privacy Policy, constitutes the entire agreement between you and assetclarity regarding your use of our website and educational services.

Acknowledgment

By using our website and educational services, you acknowledge that you have read this disclaimer, understand it, and agree to be bound by its terms. You acknowledge that you are using our services at your own risk and that you are solely responsible for any financial decisions you make.