Important Disclaimers
Past performance does not guarantee future results.
All financial decisions involve risk and may result in loss of capital.
General Information Disclaimer
The information provided on this website is for general informational purposes only and should not be considered as professional financial advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind about the completeness, accuracy, or reliability of any information contained herein.
Get to know the important disclaimers that govern your use of our services. These statements protect both you and phanthorien by clearly outlining the scope and limitations of our financial consultation services.
Information Accuracy and Currency
We endeavor to keep all information current and accurate. However, financial markets, regulations, and circumstances change rapidly. Information presented may not reflect the most recent developments or may contain technical inaccuracies or typographical errors.
- Market conditions and financial regulations change frequently and without notice
- Third-party data sources may contain errors or delays in reporting
- Historical data and examples are provided for illustrative purposes only
Limitation of Liability
Our liability is limited to the maximum extent permitted by Canadian law. We cannot be held responsible for decisions made based on information provided through our consultations or website.
In no event shall phanthorien, its directors, employees, or affiliates be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your access to or use of our services, even if we have been advised of the possibility of such damages.
We specifically disclaim any liability for actions taken or not taken based on the content of our consultations, website, or any communication from our team members.
Financial Consultation Disclaimer
Our financial planning consultations are designed to provide general guidance and analytical insights. We do not provide specific investment recommendations, tax advice, or legal counsel. All financial decisions remain your responsibility and should be made in consultation with appropriate licensed professionals.
Important Financial Warnings
- All financial planning involves inherent risks and uncertainties
- Economic conditions can significantly impact financial outcomes
- Individual circumstances vary and affect financial planning results
Professional Advice Recommendation
Before making significant financial decisions, we strongly recommend consulting with qualified professionals who can address your specific circumstances and jurisdictional requirements.
Tax Planning
Consult with a qualified tax professional for advice specific to your tax situation
Legal Matters
Seek legal counsel for estate planning and other legal financial matters
External Links and Third-Party Content
Our website may contain links to third-party websites or reference external resources. We do not control these external sites and cannot be responsible for their content, accuracy, or privacy practices.
Links to external websites do not constitute endorsement of their content, products, or services
Results and Outcome Disclaimer
Financial planning outcomes depend on numerous factors including market conditions, personal circumstances, implementation consistency, and external economic factors. We cannot guarantee specific results or outcomes from our consultation services.
Individual results may vary based on personal circumstances and market conditions.
Jurisdiction and Governing Law
These disclaimers and your use of our services are governed by the laws of Canada and the province where our services are rendered.
Canadian Law Application
All aspects of our service relationship are subject to Canadian federal and provincial laws
Provincial regulations may impose additional requirements or limitations
Canadian financial regulations and consumer protection laws apply
Dispute resolution follows Canadian legal procedures and precedents
Currency references are in Canadian dollars unless otherwise specified
User Indemnification
By using our services, you agree to indemnify and hold harmless phanthorien and its representatives from any claims, damages, or expenses arising from your use of our services or your violation of these disclaimers.
Changes to Disclaimers
We reserve the right to modify these disclaimers at any time. Changes become effective immediately upon posting. Your continued use of our services constitutes acceptance of any modifications.
Contact Information for Disclaimer Questions
If you have questions about these disclaimers or need clarification about our service limitations, please contact us using the information below.
Last Updated: August 27, 2025
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