Important Disclaimers and Risk Notices

General Information Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as personalised financial advice. All content is subject to change without notice and may not be suitable for your specific circumstances. Results may vary based on individual situations, market conditions, and personal financial goals.

This disclaimer applies to all information, services, and communications provided through our website, consultations, and related materials. By accessing our services, you acknowledge understanding these limitations and agree to use the information responsibly.

No Substitute for Professional Consultation

The content on this website does not constitute formal financial advice and should not replace personalised consultations with qualified professionals. Our subscription service provides analytical reviews and discussions, not specific recommendations for financial products or strategies.

Always seek independent professional advice before making significant financial decisions. Consider your personal circumstances, risk tolerance, and long-term objectives when evaluating any financial planning approaches discussed during our consultations.

Information Accuracy and Currency

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content. Financial markets, regulations, and economic conditions change frequently, potentially affecting the relevance of information provided.

• • Market data and financial information may be delayed or approximate
• • Regulatory changes may affect the applicability of certain strategies
• • Economic conditions can impact the relevance of analytical reviews
• • Individual circumstances may render general information unsuitable

Limitation of Liability

Our liability is limited to the fullest extent permitted by UK law. We exclude liability for various types of damages that may arise from your use of our services or reliance on information provided.

External Links and Third-Party Content

Our website may contain links to external websites and third-party resources for informational purposes. We do not endorse or take responsibility for the content, accuracy, or practices of these external sites.

Visiting external links is at your own risk. We recommend reviewing the terms and privacy policies of any third-party websites before providing personal information or making financial decisions based on their content.

Financial Planning Risk Disclosure

Financial planning and wealth management involve inherent risks that cannot be eliminated. Our consultations and analytical reviews are designed to help you understand these risks, but cannot guarantee specific outcomes or eliminate potential losses.

• • Market volatility can significantly impact the value of assets and planning strategies
• • Economic conditions may affect the performance of financial plans and resource allocation
• • Regulatory changes can impact the effectiveness of certain planning approaches
• • Personal circumstances may change, affecting the suitability of previously discussed strategies

Results and Outcome Disclaimer

Individual results may vary significantly

The effectiveness of financial planning strategies depends on numerous factors including market conditions, personal circumstances, implementation consistency, and economic environment. We cannot guarantee specific outcomes or results from our consultations and analytical reviews.

Client Testimonials and Case Studies

Any testimonials or case studies presented represent individual experiences and may not be typical of all clients. Results achieved by other clients do not guarantee similar outcomes for your specific situation. All testimonials are genuine but may not reflect the experience of all subscribers.

Errors and Omissions

Despite our commitment to accuracy, our website and consultation materials may contain errors, omissions, or outdated information. We reserve the right to correct any errors and update information without prior notice.

If you identify any errors or have concerns about information accuracy, please contact us promptly so we can address the issue and provide clarification where necessary.

User Indemnification

By using our services, you agree to indemnify and hold harmless Thalovarenqi, its officers, employees, and agents from any claims, losses, or damages arising from your use of our services, violation of these terms, or decisions made based on our consultations.

Governing Law and Jurisdiction

These disclaimers and your use of our services are governed by the laws of England and Wales. Any disputes arising from our services will be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability of Terms

If any provision of these disclaimers is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be replaced with an enforceable provision that most closely reflects our original intent.

Changes to Disclaimers

We reserve the right to modify these disclaimers at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our services after changes indicates acceptance of the updated disclaimers.

Contact Information for Disclaimer Questions

If you have questions about these disclaimers or need clarification about our services, please contact us using the information below.

Last Updated: August 15, 2025