LEGAL DISCLAIMER FROM eLENA o. pEREPELOVA

I need to emphasize that I am not a financial advisor, lawyer, broker, real estate agent, insurance agent, or any other professional in the area of financial advice or investment advice.

Any information I give cannot replace the personal advice of a professional legal, financial or tax advisor. All my comments, information, and advice is not intended to be any kind of professional advice.

My comments or recommendations regarding a special company, bank, investment vehicle, investing strategy is for illustration purposes only. None of my advice is binding for the participants of my programs.

Nothing I say can be considered as financial advice, legal advice, or any kind of invitation or request to contract a special type of account or investment good. I do not recommend specific stocks, bonds, options, or any other investment type of any kind.

All investments have risks, including losing the amount invested, and those risks are taken by the investor, the participant of my program. The participant is solely responsible for his actions and the consequences. Under no circumstances can I be made responsible for the evolution of the investments of the participants.

Past results and all examples or cited recommendations are not statements or guarantees of future results. Individual results may vary and cannot be guaranteed.

Any evolution in the regard of finances and investments, tax issues and asset value development also depends on circumstances I cannot foresee. Every participant has a different personal situation, strategy, risk conception, timeline, etc. Every case is different and therefore I want to make clear that I do not guarantee or assume any kind of returns, growth, etc.

Therefore I cannot be made responsible for any losses of the participants due to any actions they take, neither for the worse than expected evolution of their investments.

All the information I will provide is based on my personal research, experience, views and conclusions. All examples used are for educational purposes only and illustration.

I do not have any professional relationship with any financial institution I mention. The names of stockbrokers, financial institutions, financial planners, or mention of company names, their stock or financial websites are for illustrative purposes only. The decision whether or which of these institutions the participant uses, is entirely at his discretion.

Therefore, all my training is meant to help the participants to understand the underlying financial and investment basics and let them know how investing works for me. My training has an exclusively educational approach.

The participants in my seminars agree that all tools, processes, strategies, materials and information in my seminars are protected by copyright and intellectual rights. The participants agree not to record, reproduce, distribute or use my materials for educational or training purposes in any way without my express written permission. Any use or disclosure of concepts, materials, and intellectual property by the participants not expressly permitted by me is prohibited.