Important Disclaimers and Legal Information

General Disclaimer

The information provided on this website is for general informational purposes only and should not be considered as professional financial advice tailored to your specific circumstances. While we strive to provide accurate and current information, we make no representations or warranties regarding the completeness, accuracy, reliability, or suitability of any information contained herein.

All financial decisions should be made after careful consideration of your personal financial situation, risk tolerance, and consultation with qualified professionals. The content on this website does not constitute a recommendation to engage in any particular financial strategy or course of action.

Limitation of Liability

To the fullest extent permitted by applicable law, baltheroniva and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from or related to your use of this website or our services, including but not limited to:

• Any errors, omissions, or inaccuracies in the content provided
• Loss of profits, revenue, or business opportunities
• Personal injury or property damage resulting from website access or use
• Unauthorized access to or alteration of your transmissions or data

Information Accuracy and Updates

While we endeavour to keep the information on this website current and accurate, we cannot guarantee that all information is complete, accurate, or up-to-date at all times. Financial markets, regulations, and economic conditions change frequently, and information that was accurate at the time of publication may become outdated.

We reserve the right to modify, update, or remove any content on this website without prior notice. Users are encouraged to verify any information before making financial decisions and to consult with qualified professionals for advice specific to their circumstances.

Professional Advice Disclaimer

The content on this website is not intended to replace professional financial advice from qualified advisers. Our consultation services provide general guidance and analytical reviews, but do not constitute formal financial advice as defined by UK financial services regulations.

Before making any significant financial decisions, we strongly recommend consulting with licensed financial advisers, tax professionals, legal counsel, or other qualified experts who can provide advice tailored to your specific situation and jurisdiction.

Third-Party Links and Resources

This website may contain links to third-party websites, resources, or services that are not owned or controlled by baltheroniva. We provide these links for your convenience and do not endorse, monitor, or assume responsibility for the content, privacy policies, or practices of any third-party sites.

Your use of third-party websites is at your own risk, and we encourage you to review the terms and conditions and privacy policies of any external sites you visit. We are not liable for any damages or losses arising from your use of third-party resources.

Results and Outcome Disclaimer

Financial planning outcomes vary significantly based on individual circumstances, market conditions, personal commitment to recommendations, and numerous other factors beyond our control. We cannot guarantee specific results, improvements in financial position, or achievement of particular financial goals through our consultation services.

User Indemnification

By using this website and our services, you agree to indemnify and hold harmless baltheroniva, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from your use of our website or services, your violation of these terms, or your violation of any rights of others.

Governing Law and Jurisdiction

These disclaimers and your use of this website are governed by the laws of England and Wales, United Kingdom. Any disputes arising from or relating to this website or our services shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Severability of Terms

If any provision of this disclaimer is found to be unenforceable or invalid by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remainder of this disclaimer shall remain in full force and effect.

Modifications to Disclaimers

We reserve the right to modify these disclaimers at any time without prior notice. Changes will be effective immediately upon posting to this website. Your continued use of our website and services after any modifications constitutes acceptance of the updated disclaimers.

Contact Information for Legal Matters

If you have questions or concerns regarding these disclaimers or any legal matters related to our website and services, please contact us using the information below:

Acceptance of Disclaimers

By accessing and using this website, you acknowledge that you have read, understood, and agree to be bound by these disclaimers. If you do not agree with any part of these disclaimers, please discontinue use of our website and services immediately.