Legal Disclaimer

General Disclaimer and Limitation of Liability

balenquirosav operates as an educational platform focused on financial scenario modeling and analysis. The information, tools, software, and educational materials provided through our website at balenquirosav.com are intended solely for educational and informational purposes. Users access and use these materials at their own discretion and assume full responsibility for any decisions made based on the content provided.

balenquirosav, its officers, directors, employees, affiliates, and agents expressly disclaim all liability for any direct, indirect, incidental, consequential, special, or exemplary damages arising from or in connection with the use of our platform, educational materials, or scenario modeling tools. This includes, but is not limited to, damages for loss of profits, business interruption, loss of data, or other pecuniary losses.

Educational Purpose and Information Accuracy

All scenario modeling exercises, financial calculations, market analyses, and educational content are provided strictly for learning purposes. These materials are designed to help users understand financial concepts, modeling techniques, and analytical approaches. They should not be construed as financial advice, investment recommendations, or professional consultation.

While we strive to maintain accurate and current information, balenquirosav makes no representations or warranties regarding the completeness, accuracy, reliability, or timeliness of any content. Financial markets, regulations, and economic conditions change rapidly, and information that was accurate at the time of publication may become outdated or incorrect.

Professional Advice Limitations

balenquirosav does not provide personalized financial advice, investment counsel, tax guidance, or legal recommendations. Our educational platform is not a substitute for consultation with qualified professionals including certified financial planners, investment advisors, accountants, or attorneys. Users are strongly encouraged to seek appropriate professional advice before making any financial decisions.

The scenario modeling results generated through our platform should not be interpreted as predictions, forecasts, or guarantees of future performance. Past performance data used in educational examples does not indicate or guarantee future results. All investments and financial decisions involve risk, including the potential loss of principal.

Platform Usage and Technical Disclaimers

balenquirosav provides its educational platform and scenario modeling tools "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties including merchantability, fitness for a particular purpose, non-infringement, and those arising from course of dealing or usage of trade.

• We do not guarantee uninterrupted or error-free operation of our platform
• Technical issues, server downtime, or software bugs may affect user experience
• User-generated content and calculations may contain errors or inaccuracies
• Third-party integrations or data sources may experience interruptions
• Platform features and functionality may change without prior notice

Regulatory and Compliance Information

balenquirosav operates as an educational technology company and is not registered as an investment advisor, broker-dealer, or financial services provider. Our scenario modeling tools and educational content are not subject to regulatory oversight by financial services authorities. Users should be aware that educational platforms operate under different regulatory frameworks than licensed financial service providers.

This disclaimer is governed by the laws of Manitoba, Canada, and any disputes arising from the use of our platform will be subject to the exclusive jurisdiction of the courts in Manitoba. Users accessing our platform from other jurisdictions do so at their own initiative and are responsible for compliance with local laws and regulations.