Disclaimer

1. Educational Purpose Only

All content, materials, and resources provided by Pephron are designed to educate individuals about emotional investing concepts and financial psychology. Our materials explore the psychological aspects of investment decision-making and do not constitute financial advice, investment recommendations, or professional guidance.

The emotional investing framework we teach is an educational approach to understanding how emotions influence financial decisions. It should not be interpreted as a guarantee of investment success or financial outcomes.

2. No Financial or Investment Advice

Pephron does not provide financial planning services, investment advice, or recommendations regarding specific securities, investment products, or financial strategies. Our educational content is not a substitute for professional financial advice tailored to your individual circumstances.

We are not registered financial advisors, investment advisors, or brokers. Nothing on our website or in our materials should be construed as an offer to sell, solicitation to buy, or recommendation for any financial product or service.

3. Information Accuracy and "As Is" Provision

While we make reasonable efforts to ensure the accuracy and currency of information presented, Pephron provides all content on an "as is" and "as available" basis. We make no representations or warranties of any kind regarding:

• The completeness, accuracy, reliability, or timeliness of any information or materials
• The suitability of our educational content for your specific situation or goals
• The results you may achieve by applying concepts learned through our materials
• The continuous availability or error-free operation of our website and services

Financial markets, regulations, and best practices change constantly. Information that was accurate at the time of publication may become outdated. We reserve the right to modify, update, or remove content without prior notice.

4. Limitation of Liability

4.1 No Guarantee of Results

Pephron makes no guarantees, representations, or warranties regarding any specific outcomes, results, or benefits you may experience from using our educational materials. Individual results depend on numerous factors including personal circumstances, market conditions, and how concepts are applied.

4.2 Financial Loss Disclaimer

4.3 Exclusion of Damages

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

• Your use of or inability to use our website, materials, or services
• Any errors, omissions, or inaccuracies in our content
• Financial decisions made based on information found in our materials
• Any unauthorized access to or alteration of your data
• Statements or conduct of any third party referenced in our content

This limitation applies even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of these limitations may not apply to you.

5. Third-Party Content and Links

Our website and materials may contain references to or links to third-party websites, resources, or content. These are provided for educational convenience only. Pephron does not endorse, control, or assume responsibility for any third-party content, websites, products, or services.

We make no representations regarding the accuracy, legality, or appropriateness of third-party content. Your interactions with third-party sites are at your own risk and subject to their terms and conditions.

6. Personal Responsibility

By using Pephron's educational resources, you acknowledge that you are solely responsible for your own financial decisions and their consequences. We encourage you to:

• Conduct your own independent research and due diligence
• Seek professional advice appropriate to your circumstances
• Carefully consider your risk tolerance and financial situation
• Make decisions based on comprehensive information from multiple sources
• Understand that past performance does not indicate future results

You agree not to hold Pephron responsible for any consequences arising from your application of educational concepts or principles learned through our materials.

7. Jurisdictional Considerations

Pephron operates from Ireland and our educational content is designed primarily for an Irish and European audience. Financial regulations, investment rules, and legal requirements vary significantly by jurisdiction.

If you access our materials from outside Ireland, you are responsible for ensuring compliance with local laws and regulations in your jurisdiction. Some content may not be applicable or appropriate for your location.

8. No Professional Relationship

Accessing our website, using our educational materials, or engaging with our content does not create a professional advisory relationship, fiduciary duty, or any form of contractual obligation beyond the educational services explicitly agreed upon.

Any information you share or questions you ask through our platforms are not confidential unless specifically covered under a separate written agreement. We are not responsible for maintaining confidentiality of unsolicited communications.

9. Changes to This Disclaimer

Pephron reserves the right to modify, update, or replace this disclaimer at any time without prior notice. Changes become effective immediately upon posting to our website. Your continued use of our website and materials after changes constitutes acceptance of the updated disclaimer.

We recommend reviewing this disclaimer periodically to stay informed of any updates. The "Last Updated" date at the top of this page indicates when the most recent changes were made.

10. Intellectual Property

All content, materials, trademarks, and intellectual property on the Pephron website remain the exclusive property of Pephron. Educational materials are provided for personal, non-commercial learning purposes only.

You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission. Unauthorized use may violate copyright, trademark, and other applicable laws.