Legal Disclaimer

All content, courses, materials, and resources provided by Dreno Fveno are intended strictly for educational purposes. Our programs focus on helping individuals understand and work through common psychological barriers related to investment decisions.

The information we share represents educational viewpoints and learning frameworks. Nothing we provide should be interpreted as professional financial advice, investment recommendations, or guarantees about future financial outcomes.

Dreno Fveno makes no representations or warranties about the completeness, accuracy, or reliability of any content. Educational materials are provided "as is" without warranties of any kind, either express or implied.

This specifically includes:

• No warranty that our educational content will meet your specific needs or expectations
• No guarantee of particular results, outcomes, or financial improvements
• No assurance that learning materials will be error-free or uninterrupted
• No commitment that information will always remain current or updated
• No warranty regarding the suitability of content for your personal situation

Individual experiences vary significantly. What works for one person may not work for another due to differences in circumstances, background, risk tolerance, and countless other factors.

While we make reasonable efforts to provide accurate and current educational content, financial markets and investment landscapes change constantly. Information that was accurate when created may become outdated or less relevant over time.

We cannot guarantee that all information remains completely current, complete, or applicable to your specific situation. Financial regulations, market conditions, and investment vehicles evolve regularly.

Users should independently verify any information before making decisions. What we teach represents general educational concepts rather than specific, time-sensitive advice. The responsibility for verifying information accuracy rests with the user.

Dreno Fveno is an educational organization. We are not licensed financial advisors, investment professionals, tax consultants, or legal experts. Our content should never replace consultation with qualified professionals.

You should seek professional advice for:

• Specific investment decisions tailored to your financial situation
• Tax implications of investment choices and strategies
• Legal questions related to financial planning or estate matters
• Regulatory compliance issues in your jurisdiction
• Complex financial planning requiring personalized analysis
• Mental health concerns that may require therapeutic intervention

Our educational approach addresses psychological and emotional aspects of investment decision-making. This does not substitute for professional financial planning, therapy, or medical advice when addressing anxiety or fear-based issues.

All investments carry inherent risks. Past performance never guarantees future results. Market values fluctuate, and you may lose money on any investment regardless of how well-prepared or educated you become.

Learning about investment psychology and overcoming fears does not eliminate market risk, economic uncertainty, or the possibility of financial loss. Education can improve decision-making processes but cannot eliminate investment risks.

Economic conditions, company performance, regulatory changes, and countless other factors affect investment outcomes. These factors exist independently of psychological preparedness or educational background.

To the fullest extent permitted by applicable law, Dreno Fveno, its founders, instructors, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our educational materials.

This includes but is not limited to:

• Financial losses resulting from investment decisions
• Damages from errors or omissions in educational content
• Losses from reliance on information provided in our materials
• Business interruption or lost profits related to course content
• Damages from unauthorized access or technical difficulties
• Any other losses arising from use of our educational resources

You acknowledge that you use our educational materials at your own risk and that all investment decisions remain your personal responsibility. We provide educational frameworks, not financial advice or guaranteed strategies.

Our educational materials may reference or link to third-party websites, resources, tools, or services for supplemental learning. We do not control, endorse, or assume responsibility for any third-party content.

References to external resources serve educational purposes only. We make no representations about the accuracy, reliability, or suitability of third-party content. You access external resources at your own risk and discretion.

Third-party services may have their own terms, privacy policies, and disclaimers. Review those carefully before using external resources or services mentioned in our educational content.

By using Dreno Fveno's educational materials, you accept full responsibility for your own decisions, actions, and results. Our role is purely educational—to provide frameworks, perspectives, and learning tools.

You acknowledge that overcoming investment fears is a personal journey that varies dramatically between individuals. What helps one person may not help another. Success depends on numerous factors beyond educational content, including personal circumstances, discipline, market conditions, and individual psychology.

We encourage thoughtful, informed decision-making. But the ultimate responsibility for how you apply educational concepts rests entirely with you. Consider your unique situation, consult professionals when appropriate, and make choices aligned with your personal values and circumstances.

Dreno Fveno reserves the right to modify, update, or discontinue any educational content, courses, or materials at any time without prior notice. We may revise course content, update modules, or change educational approaches based on new research or feedback.

We strive to keep information current and relevant, but we make no commitment to update past materials or notify users of every change. Checking for updates periodically remains your responsibility if you wish to access the most current versions of our educational content.

This disclaimer shall be governed by and construed in accordance with the laws of Saskatchewan, Canada, without regard to conflict of law principles. Any disputes arising from the use of our educational materials shall be resolved in the courts of Saskatchewan.

If any provision of this disclaimer is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remainder of this disclaimer continues in full force and effect.