1. General Disclaimer

2. Investment Disclaimer

2.1 No Investment Advice

The information provided on this website and through our services is for informational and educational purposes only. It does not constitute:

• Investment advice or recommendations
• Financial planning advice
• Tax advice
• Legal advice
• An offer to buy or sell any security

2.2 Investment Risks

Investors should be aware of the following risks:

• Market Risk: The value of investments can go down as well as up
• Liquidity Risk: Some investments may be difficult to sell quickly
• Currency Risk: Exchange rate fluctuations can affect returns
• Political Risk: Changes in government policy can impact investments
• Regulatory Risk: Changes in laws and regulations can affect investments

2.3 Professional Advice

We strongly recommend that you:

• Consult with qualified financial advisors before making investment decisions
• Conduct your own research and due diligence
• Consider your personal financial situation and risk tolerance
• Understand the specific risks associated with any investment

3. Financial Services Disclaimer

3.1 Regulatory Compliance

GIFAM operates in compliance with applicable financial services regulations. However, the specific regulatory requirements may vary by jurisdiction.

3.2 Service Limitations

• Our services are not suitable for all investors
• We do not guarantee specific investment returns
• Investment decisions remain the responsibility of the client
• We are not responsible for investment losses

3.3 Tax and Legal Considerations

Tax laws and regulations vary by jurisdiction and may change over time. We recommend consulting with qualified tax and legal professionals regarding your specific situation.

4. Website and Content Disclaimer

4.1 Information Accuracy

While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding:

• The accuracy, completeness, or reliability of website content
• The availability or uninterrupted access to our website
• The absence of errors, viruses, or other harmful components
• The compatibility of our website with your device or browser

4.2 Third-Party Content

Our website may contain links to third-party websites, content, or services. We:

• Do not endorse or control third-party content
• Are not responsible for the accuracy or reliability of third-party information
• Do not guarantee the security of third-party websites
• Recommend reviewing third-party privacy policies and terms

4.3 Website Availability

We reserve the right to modify, suspend, or discontinue our website or any part thereof at any time without notice. We are not liable for any damages resulting from website unavailability.

5. Limitation of Liability

5.1 Scope of Limitation

This limitation of liability applies to damages arising from:

• Use of our website or services
• Investment decisions or losses
• Reliance on information provided
• Website errors or technical issues
• Third-party actions or content
• Data loss or security breaches

5.2 Exceptions

This limitation does not apply to:

• Intentional misconduct or fraud
• Gross negligence
• Violations of applicable law
• Personal injury or death

6. Indemnification

By using our website or services, you agree to indemnify and hold harmless GIFAM, its officers, directors, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of our website or services
• Your violation of these terms
• Your violation of any applicable law or regulation
• Your infringement of any third-party rights

7. Jurisdiction and Governing Law

7.1 Applicable Law

This disclaimer and your use of our website and services are governed by the laws of the jurisdiction in which GIFAM operates, without regard to conflict of law principles.

7.2 Jurisdiction

Any disputes arising from this disclaimer or your use of our services shall be subject to the exclusive jurisdiction of the courts in our primary business location.

7.3 International Users

If you access our website or services from outside our primary jurisdiction, you are responsible for compliance with local laws and regulations.

8. Severability

If any provision of this legal disclaimer is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

9. Changes to This Disclaimer

We reserve the right to modify or update this legal disclaimer at any time. Changes will be effective immediately upon posting on our website. Your continued use of our website or services after any changes constitutes acceptance of the updated disclaimer.