Important Disclaimers and Terms of Use

General Information Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as personalized financial advice. All content is subject to change without notice and may not reflect current market conditions or regulatory requirements.

This disclaimer applies to all content, services, and communications provided through our website, consultations, and related materials.

Information Accuracy and Completeness

While we strive to provide accurate and up-to-date information, we cannot guarantee the completeness or accuracy of all content presented. Market conditions change rapidly, and information may become outdated.

• • All financial figures and examples are for illustrative purposes only
• • Market data and statistics are subject to revision and may not reflect real-time conditions
• • Regulatory information is current as of the publication date but may change

Limitation of Liability

To the fullest extent permitted by Canadian law, calypharionos.com and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our services or information.

Professional Advisory Relationship

Our subscription service provides general financial planning discussions and analytical reviews. This does not constitute a formal advisory relationship or personalized recommendations for specific financial products.

External Links and Third-Party Content

Our website may contain links to external websites and third-party resources for additional information and convenience.

We are not responsible for the content, accuracy, or availability of external websites and do not endorse third-party services or products unless explicitly stated.

No Warranties or Guarantees

All information and services are provided on an "as-is" basis without warranties of any kind, either express or implied.

We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement of third-party rights.

Results and Outcomes Disclaimer

Individual results may vary based on personal circumstances, market conditions, and implementation of discussed concepts

We make no guarantees regarding specific financial outcomes, performance improvements, or success rates from using our consultation services.

User Indemnification

Users agree to indemnify and hold harmless calypharionos.com from any claims, damages, or expenses arising from their use of our services or violation of these terms.

Jurisdiction and Governing Law

These disclaimers and terms are governed by Canadian federal and provincial laws.

Users outside Canada use our services at their own risk and must comply with local laws and regulations.

Modifications to Disclaimers

We reserve the right to modify these disclaimers at any time. Changes become effective immediately upon posting to our website. Continued use constitutes acceptance of modified terms.

Severability Clause

If any portion of these disclaimers is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Questions About These Disclaimers

If you have questions about these disclaimers or need clarification on any terms, please contact us using the information below.