Educational Purpose Only

All content provided through our platform—including articles, programs, courses, videos, and supplementary materials—is designed to educate and motivate individuals interested in understanding investment principles and financial concepts. This content does not constitute professional financial advice, investment recommendations, or guarantees of financial outcomes.

Investment decisions carry inherent risks. Past performance discussed in our educational materials does not indicate future results. Each individual's financial situation is unique, and what works for one person may not be suitable for another.

No Professional Advisory Relationship

Participation in Flruftex programs does not create a professional advisory relationship between you and Flruftex, its instructors, or affiliated parties. We are not financial advisors, investment counselors, tax professionals, or legal experts. Our role is strictly educational.

Information Accuracy and Currency

While we make reasonable efforts to provide accurate and current information, the financial landscape changes rapidly. Market conditions, regulations, tax laws, and investment products evolve constantly. Information presented in our materials may become outdated or may not reflect the most recent developments.

We cannot guarantee that all information provided is complete, accurate, or applicable to your situation. Users are responsible for verifying any information before acting upon it.

No Guarantees or Promises

Flruftex makes no guarantees, warranties, or promises regarding:

• Specific financial returns or investment performance
• Achievement of particular financial goals or outcomes
• Success rates in implementing concepts taught in our programs
• Elimination of financial risk through application of our materials
• Suitability of any investment strategy for your circumstances

Learning about investment motivation and financial concepts may help you make more informed decisions, but outcomes depend on numerous factors beyond our control, including market conditions, personal discipline, individual circumstances, and timing.

Limitation of Liability

To the fullest extent permitted by applicable law, Flruftex, its directors, employees, instructors, partners, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Use or inability to use our website or educational materials
• Financial decisions made based on content provided through our platform
• Investment losses or missed opportunities
• Errors, omissions, or inaccuracies in our content
• Unauthorized access to or alteration of your data
• Any other matter relating to our services

Third-Party Content and Links

Our platform may contain references to third-party websites, resources, or tools. These references are provided for convenience and informational purposes only. We do not endorse, control, or assume responsibility for the content, accuracy, or practices of any third-party sites or services.

Accessing third-party resources is at your own risk. You should review the terms and policies of any external sites you visit.

Belgium Context

While Flruftex operates from Belgium and our programs may reference the European market context, our educational content addresses general investment motivation principles applicable across different jurisdictions. Specific regulations, tax implications, and investment options vary significantly by country.

Belgian residents should be aware that financial regulations specific to Belgium may differ from examples used in our international educational content. Always verify local regulatory requirements before making financial decisions.

Personal Responsibility

You acknowledge that you are solely responsible for your financial decisions and their consequences. Our educational materials are tools to support your learning journey, not substitutes for professional advice or personal due diligence.

We encourage you to approach all investment opportunities with appropriate skepticism, conduct thorough research, and never invest more than you can afford to lose.

Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time to reflect changes in our services, legal requirements, or best practices. Material changes will be noted with an updated "Last Updated" date. Your continued use of our platform after changes are posted constitutes acceptance of the modified disclaimer.