Terms and Conditions
Last Updated: October 28, 2024
1. Introduction
Welcome to FONDATIONS ("we," "our,", “The website” or "us"). These Terms and Conditions govern your access to and use of our educational content, courses, and materials related to stock market and real estate investing.
2. Educational Purpose Only
2.1 Not Professional Financial Advice
The content provided through our website, courses, and materials is for educational and informational purposes only. We do not provide personalized financial advice, investment recommendations, tax guidance, or insurance consulting services.
2.2 No Professional Licensing
We explicitly acknowledge and inform you that:
- We are not licensed financial advisors
- We are not registered investment managers
- We are not certified tax consultants
- We are not licensed insurance advisors
- We are not certified financial planners
- We do not hold any professional licenses related to financial services
3. Risk Disclosure
3.1 Investment Risks
All investments carry risk, including:
- Potential loss of principal
- Market volatility
- Economic risks
- Property value fluctuations
- Changes in regulatory environment
3.2 No Guarantees
We do not guarantee:
- Any specific investment returns
- Success in stock market or real estate investing
- Accuracy of market analysis or predictions
- Future performance based on historical data
- Income or profit from following our educational materials
4. User Responsibilities
4.1 Due Diligence
Users must:
- Conduct their own research
- Verify all information independently
- Consult licensed professionals before making investment decisions
- Understand local laws and regulations
- Consider their personal financial situation
4.2 Professional Consultation
Users are strongly encouraged to consult with:
- Licensed financial advisors
- Tax professionals
- Legal counsel
- Real estate professionals
- Other relevant experts
5. Content Usage
5.1 Educational Materials
All content provided is:
- For general education only
- Based on personal experience and research
- Not tailored to individual circumstances
- Subject to change without notice
5.2 No Client Relationship
Purchasing or accessing our courses does not:
- Create a client-advisor relationship
- Constitute professional services
- Replace professional financial advice
- Establish any fiduciary relationship
6. Disclaimer of Liability
6.1 Limited Liability
We shall not be liable for:
- Investment losses or gains
- Financial decisions made by users
- Market conditions or changes
- Real estate transaction outcomes
- Tax consequences
6.2 User Acknowledgment
By using our services, you acknowledge that:
- You are responsible for your own investment decisions
- You understand the risks involved
- You will not rely solely on our educational materials
- You will seek professional advice when needed
7. Intellectual Property
All content, materials, and courses are protected by copyright and may not be reproduced, distributed, or used for commercial purposes without explicit written permission.
8. Jurisdiction
These terms shall be governed by and construed in accordance with the laws of Germany, without regard to its conflict of law provisions.
9. Updates to Terms
We reserve the right to modify these Terms and Conditions at any time. Users will be notified of any changes through our website.
10. Contact Information
For questions about these Terms and Conditions, please contact us at hagaisd@gmail.com.
11. Acknowledgment
By accessing our website and purchasing our courses, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.