Important Legal Disclosures

This website has been produced by ARI Financial Group, GmbH (ARI), Wealth Planning Professionals (ARI Wealth Planners) to the best of its knowledge and belief for use by entities, including affiliates and branches, of ARI Financial Group GmbH and is limited to the dissemination of general information pertaining to general wealth planning services. The processes and steps identified herein serve as a guide in forming a strategy with the assistance of qualified professionals. ARI Wealth Planners do not receive any form of direct or indirect compensation for the referral of business to third-party service providers. ARI Wealth Planners are not fiduciaries with respect to the services or activities described herein. ARI Wealth Planners obtain information from a wide variety of publicly available sources. ARI Wealth Planners do not have, nor do they claim to have, sources of inside or private information. Any information provided by ARI Wealth Planners in connection with their services is based upon the professional judgment of ARI Wealth Planners and does not guarantee any results or outcomes.

This website has been prepared solely for information and educational purposes. The information contained herein should not be construed as marketing communication, financial research or analysis, an offer, a public offer, investment advice, a recommendation, or solicitation to invest in, buy, sell, or subscribe to any financial instruments and/or to the provision of a financial or insurance service. Further, this website is not intended to provide any financial, legal, accounting, tax, or wealth planning advice and should not be relied upon in this regard. Individuals should consult with qualified professionals involving taxation, wealth planning, trusts, and related legal matters. The information provided herein is for the exclusive use of the recipient and may not be reproduced, disclosed, or distributed, neither in part nor in full. The information and views expressed in this document at the time of writing are subject to change at any time without notice, and there is no obligation to update or remove outdated information.

This website is based on publicly available information and data. Although the information in this website has been obtained from sources believed to be reliable, ARI Financial Group GmbH provides no guarantee regarding the timeliness, accuracy, reliability, or completeness of the information. To the fullest extent permissible by law, no member of the ARI Financial Group GmbH shall be responsible for the consequences of any errors or omissions herein or reliance upon any opinion or statement contained herein, and each member of the ARI Financial Group GmbH expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this website.

This website is not directed at, or intended for distribution to or use by, any person or entity domiciled or resident in any jurisdiction where such distribution, publication, availability, or use would be contrary to applicable laws or regulations of such jurisdictions. The content of this website is intended only for persons who understand and are capable of assuming all risks involved. This website has been prepared without taking into account the investor classification, specific investment objectives, financial situation, tax situation, or the particular needs of the recipient. Products and services are not suitable for all investors and may not be available to investors residing in certain jurisdictions or with certain nationalities. Before entering into any transaction, the recipient should consider the suitability/best interest of the transaction to individual circumstances and objectives. ARI Financial Group GmbH recommends that investors independently assess the specific financial risks as well as legal, regulatory, credit, tax, and accounting consequences. This website is not intended to be exhaustive on all risks related to financial instruments. The information and views expressed herein at the time of writing are subject to change at any time without notice, and there is no obligation to update or remove outdated information. Historical data on the performance of the securities and financial instruments or the underlying assets in this website is no indication of future performance, and the value of investments may fall as well as rise. This website is based on publicly available information and data. Although the information in this website has been obtained from sources believed to be reliable, ARI Financial Group GmbH provides no guarantee with regard to the timeliness, accuracy, reliability, or completeness of the information and does not accept any liability for any loss and/or damage, either directly or indirectly, arising out or in connection with the use of all or part of this information or from the omission of certain information.

Additional Disclaimer: Independent Asset Managers in case this document is provided to Independent Asset Managers (IAMs), it is strictly forbidden for this website to be reproduced, disclosed, or distributed (in whole or in part) by IAMs and made available to their clients and/or third parties. By using this website, IAMs confirm that they will make their own decisions/judgments about how to proceed, and it is the responsibility of IAMs to ensure that the information provided is in line with their own clients’ circumstances regarding any investment, legal, regulatory, tax, or other consequences. No liability is accepted by ARI Financial Group GmbH for any damages, losses, or costs (whether direct, indirect, or consequential) that may arise from any use of this website by the IAMs, their clients, or any third