Educational Purpose Only

All content provided on meravox.vip, including but not limited to articles, guides, courses, videos, webinars, and downloadable resources, is designed to educate users about investment fundamentals and financial literacy concepts. This material should not be construed as personalized financial advice, professional investment recommendations, or a suggestion to engage in any specific financial transaction.

We present information based on widely accepted investment principles and educational frameworks. However, every individual's financial situation is unique. What works as a general concept may not apply to your specific circumstances, risk tolerance, or financial goals.

No Financial Advice Relationship

Nothing on our platform creates an advisor-client relationship between you and Meravox or any of our instructors, contributors, or affiliates. We don't provide individualized financial planning, tax guidance, or investment advice tailored to your personal situation.

Before making any financial decisions, you should consult with qualified professionals who can evaluate your complete financial picture. This includes licensed financial advisors, certified accountants, tax professionals, and legal counsel as appropriate for your needs.

Accuracy and Currency of Information

While we make reasonable efforts to ensure our educational content reflects current information and widely accepted principles, the financial landscape changes constantly. Laws, regulations, market conditions, and best practices evolve over time.

We cannot guarantee that all information remains completely current at the time you access it. Some materials may reference historical data, case studies, or examples that reflect conditions at a specific point in time. You're responsible for verifying the current applicability of any information before acting on it.

No Guarantees or Warranties

Our educational content is provided "as is" without any express or implied warranties of any kind, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Guarantees that the information is error-free, complete, or up-to-date
• Assurances that using our materials will result in specific outcomes
• Promises regarding investment performance or financial results
• Warranties that our content meets your individual requirements

We don't warrant that our website will operate without interruption or that it's free from viruses or other harmful components. You assume all responsibility for your use of our platform and content.

Limitation of Liability

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

• Your use or inability to use our educational materials or website
• Financial decisions made based on information from our content
• Errors, omissions, or inaccuracies in our educational resources
• Unauthorized access to or alteration of your data or communications
• Any third-party content or conduct on our platform
• Loss of profits, data, or business opportunities

This limitation applies whether claims are based on warranty, contract, tort, or any other legal theory, and even if we've been advised of the possibility of such damages.

Investment Risks

Investing involves risk, including the potential loss of principal. Our educational content may discuss various investment vehicles, strategies, and concepts. Understanding these topics doesn't eliminate the inherent risks associated with investing.

Key Risk Considerations:

Market volatility can result in significant fluctuations in investment values. Economic conditions, geopolitical events, interest rate changes, and countless other factors influence financial markets in ways that are difficult or impossible to predict.

Different investment types carry different risk profiles. What's appropriate for one person may be entirely unsuitable for another based on factors like age, income, financial obligations, time horizon, and personal risk tolerance.

Third-Party Content and Links

Our educational materials may reference or link to third-party websites, resources, or tools for supplemental information. We don't control these external resources and aren't responsible for their content, accuracy, availability, or practices.

Including a reference or link doesn't imply our endorsement of that resource, nor does it suggest that the third party endorses Meravox. You access third-party resources at your own risk and should review their terms and privacy policies.

Regional and Jurisdictional Considerations

While Meravox operates from Canada and our content primarily reflects Canadian contexts, investment principles and financial concepts often have broader applicability. However, financial regulations, tax treatment, and available investment vehicles vary significantly by jurisdiction.

If you're accessing our content from outside Canada, you're responsible for determining whether our educational materials comply with local laws and regulations in your area. Some concepts discussed may not be available or appropriate in your jurisdiction.

Changes to Educational Content

We reserve the right to modify, update, or discontinue any aspect of our educational content, courses, or website at any time without prior notice. This includes the right to correct errors, update outdated information, or remove materials that no longer meet our educational standards.

We may also update this disclaimer periodically to reflect changes in our practices or legal requirements. Continued use of our platform after such changes constitutes acceptance of the updated terms.

User Responsibility

You acknowledge that education is a starting point, not a complete solution. Building financial literacy requires ongoing learning, practical experience, and adaptation to changing circumstances. Our materials provide foundational knowledge, but applying that knowledge wisely requires careful consideration of your unique situation.

You're responsible for evaluating the suitability of any concepts, strategies, or information presented in our content before implementation. This includes conducting additional research, seeking professional guidance, and considering how general principles apply to your specific circumstances.

No Endorsement of Outcomes

Success stories, case studies, or examples shared in our educational content are for illustrative purposes only. They don't represent typical results, and individual outcomes vary widely based on countless factors including market timing, personal circumstances, effort level, and external conditions beyond anyone's control.

We don't promise or guarantee that completing our courses or following our educational materials will result in financial gains, investment success, or any particular outcome. Education provides tools and knowledge, but results depend on how you apply that knowledge within your unique context.