Educational Purpose and Scope

All materials, courses, webinars, articles, and resources provided through Wjorgen are designed exclusively for educational purposes. We teach investment theory—the concepts, frameworks, and analytical methods used in financial markets. This isn't investment advice tailored to your personal situation.

What We Provide

• Theoretical frameworks for understanding market behavior and investment principles
• Historical analysis and case studies drawn from past market events
• Educational content about financial instruments, portfolio theory, and risk assessment
• Learning materials that explore various investment philosophies and strategies
• Academic perspectives on asset allocation, market efficiency, and valuation methods

What We Don't Provide

Wjorgen does not offer personalized investment advice, financial planning services, portfolio management, tax guidance, or legal counsel. We don't analyze individual financial situations or recommend specific actions based on your personal circumstances. If you need that kind of help, consult with a licensed professional who can review your complete financial picture.

No Guarantees or Performance Promises

Honestly? Anyone promising guaranteed returns in investing is either lying or selling something questionable. Markets are unpredictable. Even the most sophisticated investment strategies can produce losses.

We make no representations or warranties about future investment performance, potential returns, or outcomes you might achieve by applying concepts learned through our programs. Past performance—whether discussed in our materials or observed in real markets—doesn't predict future results.

Risk Acknowledgment

• All investments carry risk, including potential loss of principal
• Market conditions change in ways that can't always be anticipated
• Individual results vary based on countless factors beyond our control
• Economic events, regulatory changes, and unforeseen circumstances impact outcomes
• No educational program eliminates investment risk or ensures profits

Learning investment theory helps you understand concepts and develop analytical skills. But understanding theory and achieving profitable results are completely different things. Your success depends on your own decisions, market conditions, timing, and factors we can't control or predict.

Information Accuracy and Currency

We put considerable effort into ensuring our educational content is accurate and up-to-date. Our team reviews materials regularly, updates courses when necessary, and corrects errors when we find them. Despite these efforts, mistakes can happen.

Content Limitations

Financial regulations change. Tax laws get updated. New research challenges old assumptions. Market structures evolve. We can't immediately update every piece of content the moment something changes in the financial world. Some lag between real-world developments and our course updates is inevitable.

If you notice outdated information or potential errors, please let us know at help@wjorgen.vip. We appreciate user feedback and use it to improve our materials. But until corrections are made, you're responsible for verifying information that's important to your decisions.

Limitation of Liability

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

This Includes But Isn't Limited To

• Investment losses or missed opportunities based on concepts learned through our programs
• Errors, omissions, or outdated information in our educational content
• Technical issues, website downtime, or interrupted access to materials
• Third-party content, links, or resources referenced in our courses
• Any decisions you make after participating in our educational programs

We're talking about education here. You're learning concepts and frameworks that can inform your thinking. What you do with that knowledge—the investments you make, the strategies you pursue, the risks you take—those are your decisions. We can't be held responsible for outcomes that result from choices you make independently.

Third-Party Information and External Links

Our courses sometimes reference external research, cite academic papers, or link to third-party websites for supplementary information. These references are provided for educational convenience only. We don't control or endorse external content, and we're not responsible for its accuracy, legality, or appropriateness.

When you click external links, you leave our website and enter spaces governed by different terms and privacy policies. We encourage you to review those policies before providing personal information or relying on content found elsewhere.

Market Data and Historical Information

When we discuss historical market events, performance data, or case studies, we rely on publicly available information that we believe to be accurate. However, historical data can contain errors, may be subject to different interpretations, and doesn't account for all factors that influenced outcomes at the time.

No Professional Relationship Created

Participating in Wjorgen's educational programs doesn't create an advisor-client relationship, fiduciary duty, or any professional obligation on our part to monitor your financial situation or provide ongoing guidance. We're educators offering structured learning experiences, not advisors managing your financial life.

If you email questions to our instructors, participate in discussion forums, or attend live webinar sessions, any responses provided are general educational commentary—not personalized advice tailored to your circumstances. Instructors can't assess your complete financial picture through brief interactions in educational settings.

Geographic and Regulatory Considerations

Wjorgen operates from Canada and our content primarily reflects Canadian and North American perspectives on investment theory. Financial regulations, tax treatment, available investment products, and market structures vary significantly across jurisdictions.

If you're accessing our materials from outside Canada, you're responsible for ensuring that your participation complies with local laws and regulations in your jurisdiction. Some investment concepts discussed in our courses may not be applicable or legal where you reside.

Regulatory Compliance

We don't provide services that require licensing as investment advisors, broker-dealers, or financial planners. Our educational activities are structured to comply with applicable Canadian regulations governing educational services. If regulations change in ways that affect our operations, we reserve the right to modify our offerings, restrict access, or update terms accordingly.

Updates and Modifications

We may update this disclaimer periodically to reflect changes in our educational offerings, legal requirements, or standard practices. The effective date at the top indicates when the current version was published. Continued use of our website and materials after updates constitutes acceptance of revised terms.

Significant changes will be communicated through our website or via email to enrolled students. It's worth checking this page occasionally if you're a long-term user of our educational resources.