Important Financial Disclaimer

General Information Disclaimer

The content provided on this website is for general informational purposes only and does not constitute professional financial advice. All information regarding investment strategies, portfolio management, asset allocation, and retirement planning is intended for educational purposes and should not be considered as personalized financial recommendations.

Results may vary based on individual circumstances, market conditions, and investment decisions. Past performance does not guarantee future results.

Information Accuracy and Currency

While we strive to provide accurate and up-to-date information about wealth management, budget planning, and financial strategies, we cannot guarantee the completeness or accuracy of all content. Market conditions, regulatory changes, and economic factors can affect the relevance of financial information.

Investment and Financial Risk Disclaimer

All investment decisions carry inherent risks, including the potential loss of principal. Our financial planning subscription service provides guidance on risk management, diversification, and long-term planning strategies, but cannot eliminate investment risks entirely.

• Investment values may fluctuate significantly based on market volatility and economic conditions
• Tax implications vary by individual circumstances and current South African tax regulations
• Financial goals and outcomes depend on consistent implementation of recommended strategies

Limitation of Liability

Kilvenqahub and its representatives shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of our financial planning services, investment recommendations, or wealth management guidance.

This includes but is not limited to losses from investment decisions, portfolio performance, or reliance on provided financial analysis and planning tools.

Third-Party Resources and Links

Our website may reference external financial institutions, investment platforms, or regulatory bodies. We do not endorse or guarantee the services, products, or information provided by these third parties.

Users access external resources at their own risk and should conduct independent research.

Professional Financial Consultation

While our subscription service provides comprehensive financial planning tools and guidance, it does not replace the need for personalized professional advice in complex financial situations.

No Warranties or Guarantees

Kilvenqahub provides financial planning services and investment guidance "as is" without warranties of any kind, express or implied, regarding investment performance, financial outcomes, or service availability.

We disclaim all warranties including merchantability, fitness for a particular purpose, and non-infringement of intellectual property rights.

Financial Results and Performance Disclaimer

Individual financial results depend on numerous factors including market conditions, personal financial discipline, implementation consistency, and economic circumstances beyond our control.

User Indemnification

Users agree to indemnify and hold harmless Kilvenqahub from any claims, damages, or losses arising from their use of our financial planning services, investment decisions made based on our guidance, or violations of applicable financial regulations.

Changes to Disclaimer

This disclaimer may be updated periodically to reflect changes in our services, regulatory requirements, or market conditions. Continued use of our financial planning subscription constitutes acceptance of any modifications.

Disclaimer Questions and Concerns

For questions regarding this disclaimer or our financial planning services, please contact us using the information below:

Last Updated: June 6, 2025