Financial Disclaimer

All content on Asset Buddy, including but not limited to:

• Educational courses and lessons
• Financial calculators and tools
• Blog posts and articles
• Community discussions and forums
• Webinars and video content

is provided for educational and informational purposes only. This content is designed to help you learn about general financial concepts and should not be construed as specific advice tailored to your individual circumstances.

Asset Buddy does not provide personalized financial advice. We do not:

• Analyze your specific financial situation
• Recommend specific investments or securities
• Provide tax, legal, or accounting advice
• Manage your investment portfolio
• Act as your fiduciary or financial advisor

Any decisions you make based on the information provided on our platform are made at your own discretion and risk.

You should be aware that:

• Market Risk: Investment values can go up or down due to market conditions
• Inflation Risk: Your purchasing power may decrease over time
• Liquidity Risk: Some investments may be difficult to sell quickly
• Credit Risk: Bond issuers may default on their obligations
• Currency Risk: Foreign investments may be affected by exchange rate fluctuations

Before making any investment decisions, you should carefully consider your:

• Financial goals and objectives
• Risk tolerance and investment horizon
• Overall financial situation
• Need for diversification

You should seek advice from:

• Certified Financial Planners (CFP®): For comprehensive financial planning
• Registered Investment Advisors (RIA): For investment advice and portfolio management
• Certified Public Accountants (CPA): For tax-related matters
• Estate Planning Attorneys: For estate and trust planning
• Insurance Professionals: For insurance and risk management needs

These professionals can provide personalized advice based on your specific financial situation, goals, and risk tolerance.

Asset Buddy makes no representations or warranties about:

• The accuracy or completeness of our educational content
• The potential performance of any investment strategies discussed
• Your ability to achieve specific financial goals
• The timeliness or reliability of market data

While we strive to provide accurate and up-to-date information, financial markets and regulations are constantly changing. We cannot guarantee that our content reflects the most current developments.

Our platform may include content from third parties or links to external websites. Asset Buddy:

• Does not endorse or guarantee the accuracy of third-party content
• Is not responsible for the content or practices of external websites
• Does not control third-party privacy policies or terms of service
• Recommends reviewing the terms and policies of any third-party services

To the maximum extent permitted by law, Asset Buddy and its officers, directors, employees, and affiliates shall not be liable for:

• Any financial losses resulting from investment decisions
• Damages arising from the use of our platform or content
• Lost profits, revenue, or business opportunities
• Indirect, incidental, or consequential damages
• Errors or omissions in our educational content

Asset Buddy operates as an educational platform and is not:

• Registered with the Securities and Exchange Commission (SEC)
• A member of the Financial Industry Regulatory Authority (FINRA)
• Licensed to provide investment advice in any jurisdiction
• Subject to the fiduciary standards that apply to registered advisors

If you are seeking regulated financial advice, please consult with properly licensed and registered financial professionals in your jurisdiction.

Asset Buddy's content is primarily focused on U.S. financial markets and regulations. If you are located outside the United States:

• Our content may not be applicable to your local laws and regulations
• Investment options and strategies may differ in your country
• Tax implications may vary significantly
• Regulatory requirements may be different

We recommend consulting with local financial professionals who understand your country's specific financial system and regulations.

If you have any questions about this Financial Disclaimer, please contact us: