Educational Purpose Only

All content, courses, webinars, tutorials, articles, and materials provided by Jokm Dyvolth are designed exclusively for educational purposes. Our investment analysis basics programs teach fundamental concepts, analytical frameworks, and research methodologies.

These materials do not constitute financial advice, investment recommendations, or professional counsel of any kind. We do not provide personalized investment guidance, portfolio management services, or specific security recommendations to individual participants.

Our educational content focuses on teaching analytical skills and conceptual understanding. Students and participants should not interpret any examples, case studies, or hypothetical scenarios presented in our materials as recommendations to buy, sell, or hold any particular investment.

No Guaranteed Results

Jokm Dyvolth makes no guarantees, warranties, or promises regarding specific outcomes from participating in our educational programs. Investment markets are inherently unpredictable, and past performance examples used in teaching contexts do not indicate future results.

• We cannot guarantee that students will achieve any particular level of financial success or investment performance
• Individual results depend on numerous factors beyond our control, including market conditions, personal circumstances, and individual decision-making
• Examples and case studies presented in educational materials represent historical scenarios and should not be viewed as typical or expected outcomes
• Learning outcomes vary significantly based on participant engagement, prior knowledge, and external factors

Anyone making investment decisions based on knowledge gained through our programs does so at their own risk and should consult qualified financial professionals before making significant financial commitments.

Information Accuracy and "As Is" Provision

While Jokm Dyvolth strives to provide accurate and current educational content, we cannot guarantee the completeness, accuracy, or timeliness of all information presented in our materials.

Content Updates and Changes

Financial markets, regulations, and analytical methods evolve continuously. Information that was accurate at the time of creation may become outdated. We periodically update our educational materials, but there may be delays between market developments and content revisions.

"As Is" Basis

All educational content, website features, and program materials are provided "as is" without warranties of any kind, either expressed or implied. This includes but is not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Professional Advice

Jokm Dyvolth provides educational instruction in investment analysis fundamentals. We are not licensed financial advisors, registered investment advisors, certified financial planners, accountants, or legal professionals unless specifically stated otherwise for individual instructors.

What We Don't Provide

• Personalized financial planning or investment advice tailored to individual circumstances
• Tax preparation services or specific tax advice (tax implications mentioned in courses are general educational examples only)
• Legal counsel regarding investment structures, contracts, or regulatory compliance
• Portfolio management or securities trading services
• Insurance advice or product recommendations

Seek Qualified Professionals

Before making significant financial decisions, participants should consult with appropriately licensed and qualified professionals who can assess their specific situation, including financial advisors, tax professionals, attorneys, and other specialists as needed.

The analytical frameworks and concepts taught in our programs are educational tools. Their application to real-world situations requires careful consideration of individual circumstances and often benefits from professional guidance.

Third-Party Content and External Links

Our educational materials may reference or link to third-party websites, resources, tools, or content for supplementary learning purposes. Jokm Dyvolth does not control, endorse, or assume responsibility for any third-party content, websites, or services.

External links are provided solely as educational references. We do not guarantee the accuracy, relevance, timeliness, or completeness of information found on linked sites. Access to third-party resources is at the user's own risk.

Limitation of Liability

To the maximum extent permitted by applicable law, Jokm Dyvolth, its instructors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Use of or inability to use our educational materials, website, or services
• Investment decisions made based on knowledge gained through our programs
• Errors, omissions, or inaccuracies in educational content
• Unauthorized access to or alteration of user data
• Technical failures, interruptions, or security breaches
• Any other matter relating to our educational services or website

This limitation applies regardless of the legal theory on which claims are based and even if Jokm Dyvolth has been advised of the possibility of such damages.

Belgium Jurisdiction and Compliance

Jokm Dyvolth operates from Belgium and our services are subject to Belgian law. Our educational programs are designed to teach general investment analysis principles applicable across various markets and jurisdictions.

However, specific regulatory requirements, tax laws, and investment regulations vary significantly by country and region. Content in our courses may not reflect the particular legal or regulatory environment applicable to all participants.

Participants from jurisdictions outside Belgium should verify the applicability of concepts taught in our programs to their local regulatory environment and should seek advice from professionals familiar with their specific jurisdiction.

Changes to This Disclaimer

Jokm Dyvolth reserves the right to modify, update, or replace this disclaimer at any time without prior notice. Material changes will be noted with an updated "Last Updated" date at the top of this document.

Continued use of our website, educational materials, or services following any changes constitutes acceptance of the revised disclaimer. We encourage participants to review this disclaimer periodically to stay informed about how we are protecting the educational nature of our services and clarifying limitations.

Contact Information Regarding This Disclaimer

If you have questions about this disclaimer, need clarification regarding the scope of our educational services, or require additional information about limitations and legal considerations, please contact us at:

Jokm Dyvolth
Rue Patenier(NR) 40
5000 Namur, Belgium
Email: [email protected]
Phone: +3250334736