Educational Purpose Only

All content, materials, courses, and resources provided through Optimech Zen are strictly for educational and informational purposes. The information presented on this website, in our programs, and through any associated materials should not be interpreted as financial advice, investment recommendations, or professional consulting services.

Our learning programs about regular investing strategies are designed to help you understand concepts and develop your own analytical skills. We provide frameworks and educational tools, but the application of this knowledge remains your personal responsibility.

No Financial Advice Provided

Optimech Zen does not provide personalized financial advice, investment recommendations, or portfolio management services. We are an educational platform focused on teaching principles of regular investing and financial literacy.

• We do not assess your individual financial situation or recommend specific investment products
• Our content does not constitute professional financial planning or wealth management
• Case studies and examples used in our materials are for illustrative purposes only
• Past performance examples do not guarantee future results in any capacity

Before making any financial decisions, you should consult with qualified financial advisors, tax professionals, or legal experts who can evaluate your specific circumstances.

Information Accuracy and "As Is" Provision

While we make reasonable efforts to ensure the accuracy and currency of information presented through our educational platform, financial markets and regulations change constantly. All materials are provided on an "as is" and "as available" basis without warranties of any kind.

We do not warrant or guarantee that:

• The information will be completely accurate, reliable, or current at the time you access it
• The educational materials will meet your specific learning needs or expectations
• Any errors in content will be corrected immediately upon discovery
• The website or learning platform will be available without interruption or technical issues

Financial markets involve complexity that cannot be fully captured in educational content. The real-world application of investing principles requires ongoing learning and adaptation to changing conditions.

Limitation of Liability

To the fullest extent permitted by applicable Canadian law, Optimech Zen, its instructors, employees, and affiliated parties shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

• Your use of or inability to use our educational materials and platform
• Investment or financial decisions made based on information from our courses
• Any errors, omissions, or inaccuracies in the educational content we provide
• Unauthorized access to or alteration of your learning account or personal data
• Technical failures, interruptions, or delays in service delivery

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental damages. In such cases, our liability shall be limited to the maximum extent permitted by law.

Investment Risks and Market Volatility

Investing in financial markets inherently involves risk of loss. Even regular investing strategies, which our educational programs discuss, cannot eliminate market risk or guarantee positive returns.

You should be aware that:

• All investments carry risk, and you may lose some or all of your invested capital
• Market conditions can change rapidly and unpredictably
• Historical performance does not predict future results
• Economic factors beyond anyone's control can impact investment outcomes
• Regular investing strategies do not guarantee profits or protect against losses during market downturns

Our educational content explores these risks as part of financial literacy, but understanding risk conceptually differs from experiencing actual financial loss. Never invest money you cannot afford to lose.

No Guaranteed Outcomes

We do not make any guarantees or promises regarding:

• Financial returns or investment performance you might achieve
• Career advancement or employment opportunities resulting from our programs
• Specific learning outcomes or skill acquisition timelines
• Your ability to successfully apply concepts taught in our courses

Individual results depend on numerous factors including your existing knowledge, dedication to learning, market conditions, personal financial situation, and decisions you make independently of our educational content.

Testimonials or success stories, if shared, represent individual experiences and should not be considered typical or guaranteed results for other learners.

Third-Party Content and Links

Our educational platform may reference or link to third-party websites, resources, or tools for supplementary learning purposes. These external resources are not under our control, and we do not endorse or assume responsibility for their content, accuracy, privacy practices, or availability.

When you access third-party resources through links from our platform, you do so at your own risk. We recommend reviewing the terms of service and privacy policies of any external websites you visit.

Regulatory Compliance Notice

Optimech Zen operates as an educational service provider in Canada. We are not a registered investment advisor, financial planner, securities dealer, or any other type of regulated financial services provider under Canadian securities legislation.

Our educational content is designed to improve financial literacy and does not require regulatory registration as an investment advice service. However, if your circumstances require professional financial guidance, you should seek services from appropriately licensed professionals.

Changes to Disclaimer

We reserve the right to modify this disclaimer at any time to reflect changes in our educational offerings, legal requirements, or business practices. Material changes will be posted on this page with an updated effective date.

Your continued use of our educational platform after any modifications indicates your acceptance of the updated disclaimer terms. We encourage you to review this page periodically.