Important Disclaimers & Legal Information

The information provided on caluntharix.com is for general informational purposes only and should not be considered as personalized financial advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind about the completeness or accuracy of the information contained herein.

Every individual's financial situation is unique, and what works for one person may not be suitable for another. The consultation services we provide are designed to offer general guidance and should not replace professional financial advice tailored to your specific circumstances.

Financial markets, regulations, and economic conditions change rapidly. While we make reasonable efforts to keep our information current and accurate, some content may become outdated between updates. Market conditions can affect the relevance of general financial guidance.

We recommend verifying any information with current market data and consulting with licensed financial professionals before making significant financial decisions. Our consultation services aim to provide current insights, but individual research remains important.

To the fullest extent permitted by Canadian law, caluntharix and its affiliates disclaim liability for:

• Any financial losses resulting from the use of information or services provided through our platform
• Decisions made based on general guidance provided during consultation sessions
• Technical issues or interruptions that may affect service delivery
• Third-party content or external links referenced in our materials or consultations

caluntharix provides general financial planning consultations and analytical reviews. We do not provide specific investment advice, manage client funds, or offer regulated investment management services. Our consultations focus on discussing approaches to financial planning and resource allocation strategies.

All financial decisions remain solely your responsibility. We encourage consulting with licensed financial advisors, tax professionals, or legal counsel for matters requiring specialized expertise or regulatory compliance.

Individual results may vary significantly based on personal circumstances, market conditions, and implementation of discussed strategies.

Success in financial planning depends on numerous factors including personal discipline, market conditions, economic changes, and individual circumstances. We cannot guarantee specific outcomes or results from our consultation services.

Testimonials or examples shared represent individual experiences and should not be considered typical or expected results. Your experience may differ significantly from others based on your unique situation and external factors.

Our website and consultation materials may reference third-party websites, tools, or resources for informational purposes. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of these external sources.

Third-party links are provided for convenience only. Users access external content at their own risk and should review the terms and privacy policies of any third-party sites they visit.

Our consultation services provide general guidance and analytical reviews. For matters requiring specialized expertise, we strongly recommend consulting with appropriate licensed professionals including:

Different situations may require different types of professional guidance. Our consultations can help you understand when specialized professional advice may be beneficial for your circumstances.

• Licensed financial advisors for regulated investment advice and comprehensive financial planning
• Certified tax professionals for tax planning and compliance matters
• Legal counsel for estate planning, trust structures, and regulatory compliance issues

The following legal framework governs our services and this disclaimer:

Users agree to indemnify and hold harmless caluntharix, its employees, and affiliates from any claims, losses, or damages resulting from misuse of our services, violation of terms, or decisions made based on general guidance provided during consultations.

We reserve the right to update this disclaimer as our services evolve or as required by changes in applicable law. Material changes will be communicated through our website and consultation communications.

Continued use of our services after disclaimer updates constitutes acceptance of the revised terms. We encourage periodic review of this disclaimer to stay informed of any changes.

For questions about this disclaimer or our service limitations, please contact us using the information provided below.