Legal Disclaimer

Educational Purpose Only

All content provided by Ciralent is strictly for educational and informational purposes. Our materials are designed to help individuals understand basic concepts related to stock markets, investing principles, and financial literacy.

What Our Content Is

• General educational information about stock market concepts and terminology
• Historical examples and case studies for learning purposes
• Explanations of investment principles and market mechanisms
• Foundational knowledge to support informed decision-making

What Our Content Is NOT

• Personalized financial advice tailored to your specific situation
• Recommendations to purchase or sell specific securities
• Guarantees of investment performance or returns
• A substitute for professional financial planning services

Investment Risks and Considerations

Investing in stocks, bonds, and other securities involves substantial risk, including the potential loss of principal. Past performance of any investment or strategy does not guarantee future results.

Before making any investment decisions, you should conduct your own research, consider your financial situation, and consult with qualified financial professionals who can provide personalized advice based on your individual needs.

Accuracy and Completeness

While we strive to provide accurate and up-to-date educational content, Ciralent makes no representations or warranties regarding the accuracy, completeness, or timeliness of any information presented.

Information Limitations

Financial markets change constantly. Regulations evolve. Tax laws get updated. What's accurate today might not be tomorrow. We do our best to keep content current, but some lag is inevitable.

Educational materials may contain simplified explanations to make complex concepts more accessible. These simplifications, while useful for learning, may not capture every nuance or exception that exists in real-world applications.

Third-Party Information

Some of our content may reference or link to third-party sources for additional context or information. We don't control these external sources and can't guarantee their accuracy or reliability. Any reliance on third-party information is at your own risk.

Limitation of Liability

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

• Your use of or inability to use our educational materials or website
• Any investment decisions made based on information learned through our platform
• Errors, omissions, or inaccuracies in our content
• Financial losses incurred from investment activities
• Interruptions or technical issues with our platform
• Unauthorized access to or alteration of your data

This includes situations where we've been advised of the possibility of such damages. Some jurisdictions don't allow limitation of liability for certain types of damages, so these limitations may not apply to you in all cases.

Forward-Looking Statements

Our educational content may occasionally include discussions of potential market trends, economic scenarios, or hypothetical situations to illustrate concepts. These are educational tools, not predictions.

Any forward-looking statements are based on current information available at the time of creation and involve risks and uncertainties. Actual results may differ materially from any scenarios discussed. We have no obligation to update forward-looking statements as new information becomes available.

Regulatory Compliance

Ciralent is an educational platform and is not registered as an investment advisor, broker-dealer, or financial planner with any Canadian or international regulatory authority. We do not provide regulated financial services.

If you're seeking personalized investment advice or financial planning services, you should consult with a licensed professional who is registered with appropriate regulatory bodies such as the Canadian Investment Regulatory Organization (CIRO) or provincial securities commissions.

Modifications to This Disclaimer

Ciralent reserves the right to modify this disclaimer at any time. Changes will be effective immediately upon posting to our website. Your continued use of our platform after changes are posted constitutes acceptance of the modified disclaimer.

We recommend reviewing this disclaimer periodically to stay informed of any updates. Material changes will be noted with an updated effective date at the top of this page.