Legal Disclaimer

General Information Disclaimer

The information provided on Mindula (mindula.com) is for educational and informational purposes only. Nothing contained on this website constitutes professional financial advice, investment recommendations, or guidance tailored to your specific financial situation.

Mindula provides financial forecasting tools and educational content designed to help users understand financial planning concepts. However, we strongly recommend consulting with qualified financial professionals before making any significant financial decisions based on the information or tools provided through our platform.

All financial projections, calculations, and forecasts generated through our platform are estimates based on the data you provide and standard financial modeling principles. These projections should not be considered guarantees of future financial performance or outcomes.

No Professional Advice

Mindula does not provide personalized financial, investment, tax, legal, or accounting advice. Our platform offers general educational tools and information that may not be suitable for your specific circumstances.

Before making any financial decisions, you should consult with appropriately qualified professionals who can assess your individual situation and provide advice tailored to your specific needs and circumstances.

• We do not act as financial advisors, investment counselors, or fiduciaries
• Our tools and content are not substitutes for professional financial planning
• Individual results may vary significantly from projections or examples shown
• Past performance or hypothetical examples do not guarantee future results

Accuracy and "As Is" Provision

While we strive to ensure the accuracy and reliability of information on our platform, Mindula makes no representations or warranties regarding the completeness, accuracy, or reliability of any information, tools, or services provided.

All information and services are provided "as is" without warranty of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Financial markets, regulations, and economic conditions change frequently. Information that was accurate at the time of publication may become outdated or incorrect due to changing circumstances beyond our control.

Limitation of Liability

To the fullest extent permitted by applicable law, Mindula, its directors, employees, partners, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our platform or reliance on our information.

This includes, but is not limited to, damages for loss of profits, revenue, data, or other intangible losses resulting from:

• Your use or inability to use our services
• Any financial decisions made based on our tools or information
• Unauthorized access to or alteration of your data
• Any errors, omissions, or inaccuracies in our content
• System downtime or technical difficulties

Our total liability to you for all claims arising from or related to our services shall not exceed the amount you paid to Mindula in the twelve months preceding the claim.

Investment and Financial Risk Disclaimer

All investments and financial decisions carry inherent risks. You may lose money when implementing any financial strategy or making investment decisions, even those based on careful planning and analysis.

Mindula's forecasting tools and educational content cannot account for all possible market conditions, economic factors, or personal circumstances that may affect your financial outcomes. Market volatility, inflation, regulatory changes, and unforeseen events can significantly impact financial projections.

Historical data and hypothetical scenarios used in our tools and examples do not guarantee similar future results. Economic conditions, market performance, and regulatory environments change over time and may differ significantly from historical patterns.

User Responsibility

By using Mindula's services, you acknowledge that you are solely responsible for evaluating the accuracy, completeness, and usefulness of any information or tools provided. You use our services at your own risk.

You agree to make independent judgments regarding any financial decisions and to seek appropriate professional advice when needed. You understand that your financial situation is unique and that generic tools and information may not be suitable for your specific circumstances.

You are responsible for ensuring that your use of our platform complies with applicable laws and regulations in your jurisdiction.

Third-Party Content and Links

Our platform may contain links to third-party websites or reference third-party content for educational purposes. Mindula does not endorse, control, or assume responsibility for any third-party content, websites, or services.

Any reliance on third-party information or services is at your own risk. We encourage you to review the terms of service and privacy policies of any third-party sites you visit.

Modifications and Updates

Mindula reserves the right to modify, update, or discontinue any aspect of our services at any time without prior notice. We may also update this disclaimer periodically to reflect changes in our services or legal requirements.

Continued use of our platform after any modifications constitutes acceptance of the updated terms and disclaimers.