1 Educational Purpose Only

All creative budgeting materials, courses, and resources provided by kelmoraqenix are intended solely for educational purposes. Our content is designed to share knowledge, techniques, and strategies that may assist individuals in developing their financial planning skills.

Users are encouraged to consult with qualified financial advisors, accountants, or other licensed professionals before making significant financial decisions based on information learned through our educational programs.

2 No Guarantees or Warranties

kelmoraqenix makes no representations, warranties, or guarantees regarding the accuracy, completeness, or reliability of the educational content provided. While we strive to maintain current and accurate information, financial markets and regulations change frequently.

• We do not guarantee specific financial results or outcomes
• Individual results may vary significantly based on personal circumstances
• Past performance or examples shared do not predict future results
• Market conditions and regulations may affect the applicability of strategies

All educational materials are provided "as is" without warranty of any kind, either express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose.

3 Limitation of Liability

kelmoraqenix, its directors, employees, contractors, and affiliated parties shall not be held liable for any direct, indirect, incidental, special, or consequential damages arising from the use of our educational materials or participation in our programs.

This includes, but is not limited to, financial losses, missed opportunities, business interruption, or any other damages that may result from applying techniques or strategies learned through our educational content.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to all users. In such cases, kelmoraqenix's liability shall be limited to the maximum extent permitted by applicable law.

4 Information Accuracy and Currency

While kelmoraqenix endeavours to provide accurate and up-to-date educational content, we cannot guarantee that all information remains current or applicable to every individual situation. Financial regulations, tax laws, and market conditions change regularly.

Users should verify information independently and consider seeking updated advice from current professional sources. kelmoraqenix reserves the right to modify, update, or remove content without prior notice as circumstances require.

Any references to specific financial products, services, or institutions are for educational purposes only and do not constitute endorsements or recommendations for use by participants.

5 Professional Advice Limitations

kelmoraqenix does not provide personalised financial advice, tax planning services, or investment recommendations. Our educational content presents general concepts and strategies that may not be suitable for every individual's circumstances.

• We strongly recommend consulting qualified professionals for personal financial planning
• Tax implications vary significantly based on individual circumstances
• Investment decisions should consider personal risk tolerance and objectives
• Legal and regulatory requirements may affect strategy implementation

Participants should not rely solely on educational content for making financial decisions and should seek appropriate professional guidance tailored to their specific situation and goals.

6 External Links and Resources

Our educational materials may include references to external websites, tools, or resources for additional learning opportunities. kelmoraqenix is not responsible for the content, accuracy, or availability of external resources.

Links to external sites are provided for convenience and educational enhancement only. Users access external resources at their own discretion and risk. kelmoraqenix does not endorse or guarantee the quality, accuracy, or suitability of external content.

7 Compliance and Regulatory Considerations

Users are responsible for ensuring that any financial strategies or techniques learned through kelmoraqenix's educational programs comply with applicable laws and regulations in their jurisdiction.

Financial regulations vary by location and change frequently. What may be appropriate or legal in one jurisdiction may not be suitable or permissible in another. Users should verify compliance requirements with appropriate regulatory bodies or legal professionals.

kelmoraqenix operates as an educational organisation and does not hold financial services licenses. Our role is limited to providing general educational content rather than regulated financial advice or services.