Disclaimer

1. Education, not advice

Everything on this website and in the programmes is general financial education. It is not personal financial advice, investment advice, tax advice, accounting advice, legal advice, insurance advice, credit advice or debt counselling, and it must not be relied on as any of those.

We do not know your full circumstances, obligations, dependants, tax position or risk capacity. Nothing here is tailored to you, even where it is discussed in a private session, because a discussion is not a regulated advisory relationship.

2. No regulated status

[[LEGAL ENTITY NAME]] is not authorised or regulated as a financial adviser, investment firm, credit broker, insurance intermediary or debt adviser in [[COUNTRY]] or elsewhere, unless expressly stated here: [[STATE ANY AUTHORISATION OR REGISTRATION YOU DO HOLD, OR WRITE "none"]]. We do not hold client money, we do not manage assets, and we never ask for access to your accounts.

3. No guarantee of results

We do not promise or guarantee any income, saving, client, employment outcome or investment return. Figures used in the materials are illustrative examples chosen to teach a method, and typical ranges for income routes are observations, not forecasts.

Results depend on factors outside our control, including your skill, the hours you put in, your market, your local economy, your existing obligations and simple chance. Two people doing identical work can get very different outcomes.

4. Testimonials

Statements from past students describe their own experience. They are not typical, not verified as representative, and not a prediction of what will happen for you. Selection bias applies: people who complete a course are more likely to comment than people who leave it.

5. Investment risk

Investing involves risk, including the loss of the amount invested. Past performance does not indicate future results. Values can fall as well as rise. Where the programmes discuss investing, they cover general principles — diversification, cost, time horizon and behaviour — and never recommend a specific product, security, fund, platform or digital asset. Speak to a licensed professional in your country before investing.

6. Tax and law are local

Tax rules, consumer credit law, employment status rules and business registration requirements differ by country and change frequently. Nothing here is a statement of the law where you live. Confirm anything that affects your obligations with your tax authority or a qualified local professional.

7. Third-party platforms and tools

Where a platform, marketplace or tool is mentioned, it is for illustration. We receive no commission, referral fee or other payment from any of them. We do not endorse them, do not control their fees or terms, and are not responsible for your dealings with them.

8. Accuracy and currency of information

Materials are reviewed before each cohort, but fees, platform rules and market conditions change without notice. We do not warrant that all information is complete or current at the moment you read it.

9. Your responsibility

You are solely responsible for your financial decisions and their consequences. Check anything material independently before acting. If a decision is significant, take professional advice from someone qualified and regulated in your jurisdiction.

10. Fraud warning

We will never contact you first offering an investment, never ask you to send money outside the published course prices, never ask for account credentials or verification codes, and never ask you to keep a payment secret from your bank or your family. If someone does any of these using our name, treat it as fraud and tell us at [[EMAIL ADDRESS]].

11. If you are in financial difficulty

If you are behind on essential payments or facing enforcement action, a course is not the right first step. Free, specialist debt advice exists in most countries and is a better use of your next hour. We would rather tell you that than take your money.