Disclaimer

Finance Sugarfree Ltd is registered under the laws of the Republic of Cyprus under registration number HE 476071 (the “Company”).

The content provided on the Company’s website, platforms, and in its educational courses and materials, and in any paid consultations and question-and-answer sessions, (collectively, the “Content”) is intended solely for general educational and informational purposes about personal finance and long-term investing. The Content does not constitute investment advice, financial advice, tax advice, or legal advice, and you should not treat any of it as such. It does not constitute a personal recommendation, nor an offer, solicitation, or inducement to buy, sell, or hold any security, fund, financial instrument, or other asset.

The Company is an educational provider. It is not a regulated investment firm, does not provide individual or personalised investment advisory services, and does not manage or hold client money or assets.

No advisory, fiduciary, agency, or client relationship is created between you and the Company by your access to or use of the Content, including your attendance at or participation in any consultation or session.

Investing involves risk, including the possible loss of the capital invested. The value of investments can go down as well as up. Past performance is not a reliable indicator of, and does not guarantee, future results. The Company does not promise or guarantee any specific return, profit, or outcome from the use of the Content.

Any examples, case studies, model portfolios, allocations, calculations, or specific securities, funds, or instruments referred to in the Content are hypothetical and illustrative only. They are used to explain general principles, do not reflect any actual portfolio, and must not be understood as a recommendation to buy, sell, or hold any particular asset.

Each person should conduct their own independent research and assessment of their financial situation, objectives, and risk tolerance, and should obtain independent professional advice from a licensed adviser before making any financial decision. Any decision you make based on the Content is made at your own risk and remains your sole responsibility.

The Content is provided “as is”. The Company strives to ensure that the information is accurate and up to date but does not warrant its completeness or accuracy, and the Content may be changed or updated at any time without notice. To the maximum extent permitted by law, the Company accepts no liability for any loss or damage of any kind arising directly or indirectly from the use of, or reliance on, the Content.

Any references or links to third-party websites, products, or services are provided for convenience only and do not constitute an endorsement, guarantee, warranty, or recommendation by the Company. You should carry out your own verification and analysis before relying on any third-party information or service.

All content published and distributed by the Company is intended solely for educational purposes. It does not constitute:

(a) financial, investment, tax, or legal advice;

(b) an offer or solicitation to buy or sell any financial instrument; or

(c) a recommendation, endorsement, or sponsorship of any security, company, or fund.

This Disclaimer and any matter arising out of or in connection with the Content are governed by the laws of the Republic of Cyprus. The Content is not directed at, or intended for distribution to or use by, any person in any jurisdiction where such distribution or use would be contrary to applicable law or regulation; in particular, the Content is not directed at US persons.