Legal Disclaimer

Educational Purpose Statement

The spreadsheet financial management materials, tutorials, and resources provided by talorivenqus are intended solely for educational purposes. All content, including templates, guides, and instructional materials, should not be considered as professional financial advice, investment recommendations, or personalized financial planning services.

Users must understand that learning financial management through spreadsheets requires personal judgment and consideration of individual circumstances. The educational content provided does not replace consultation with qualified financial advisors, accountants, or other licensed professionals.

Limitation of Liability

talorivenqus, its owners, employees, contractors, and affiliates shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of our educational platform, materials, or services. This includes, but is not limited to, financial losses, business interruptions, or data loss that may result from applying techniques learned through our educational resources.

• Financial decisions made using skills learned through talorivenqus's educational materials are solely the user's responsibility
• talorivenqus does not guarantee specific outcomes or results from using our educational resources
• Users assume full responsibility for the accuracy and appropriateness of financial calculations and decisions
• talorivenqus's liability is limited to the amount paid for access to educational materials, if any

Information Accuracy and "As Is" Provision

While talorivenqus strives to provide accurate and up-to-date educational content, we make no warranties or representations regarding the completeness, accuracy, or reliability of the information presented. All educational materials are provided on an "as is" basis without warranties of any kind, either express or implied.

Financial regulations, tax laws, and best practices may change over time. Users are responsible for verifying the current applicability of any information or techniques learned through our educational platform. talorivenqus reserves the right to update, modify, or remove content without prior notice.

Professional Advice Limitations

talorivenqus and its instructors are not licensed financial advisors, certified public accountants, or investment professionals unless explicitly stated otherwise. The educational content provided should not be construed as professional financial, legal, tax, or investment advice. Our role is limited to providing educational resources about spreadsheet-based financial management techniques.

For complex financial situations, tax planning, investment strategies, or legal compliance matters, users must consult with appropriate licensed professionals. talorivenqus's educational materials cannot replace the personalized guidance that qualified professionals provide based on individual circumstances.

User Responsibility and Risk Acknowledgment

By accessing and using talorivenqus's educational platform, users acknowledge that they understand the limitations of our educational materials and accept full responsibility for their financial decisions. Users recognize that financial management involves inherent risks and that no educational program can eliminate these risks entirely.

• Users must exercise their own judgment when applying learned techniques to personal or business finances
• talorivenqus cannot predict or control the outcomes of users' financial decisions
• Educational content may not be suitable for all financial situations or jurisdictions
• Users should adapt learned techniques to comply with applicable laws and regulations in their jurisdiction

Third-Party Content and External Links

talorivenqus's educational platform may reference or link to third-party websites, tools, or resources for additional learning opportunities. These references do not constitute endorsements, and talorivenqus is not responsible for the content, accuracy, or reliability of external resources. Users access third-party content at their own risk and should review the terms and privacy policies of external sites.

Any third-party spreadsheet templates, add-ins, or software mentioned in our educational materials are provided for informational purposes only. Users should evaluate the security, compatibility, and suitability of external tools before use.

Jurisdictional Considerations

talorivenqus operates from Canada, and our educational content may reflect Canadian financial practices and terminology. However, users from other jurisdictions may access our educational materials. Users are responsible for determining whether the techniques and approaches taught are appropriate and compliant with their local laws, regulations, and accounting standards.

Financial reporting requirements, tax calculations, and regulatory compliance vary significantly between jurisdictions. Users must adapt the educational content to meet their specific legal and regulatory requirements.