Document

Disclaimer

This Disclaimer governs the use of the GoInvest Academy by Elena Azarenko website, the practical investment program, and all materials provided by AmericaTok Production LLC (the “Company”).

By using the website, purchasing access to the practical program, receiving program materials, or interacting with the Company, the User confirms that they have carefully reviewed this document, understand its contents, and accept all of the terms set forth herein.

1. General Provisions

1.1. All materials on the website and in the practical program are provided solely for informational purposes.

1.2. The practical program is designed to improve financial literacy and develop skills for independently analyzing the U.S. stock market.

1.3. The Company does not provide individualized investment advice.

1.4. The Company does not make investment decisions on behalf of Users.

1.5. All materials are intended solely for independent study.

2. Not Investment Advice

2.1. Any information provided:

on the website;
in the private Telegram channel;
in video materials;
in presentations;
in written materials;
in publications;
in messages;
in comments;
in answers to questions;

does not constitute individualized investment advice.

2.2. The information does not constitute:

an offer to purchase financial instruments;
an offer to sell financial instruments;
personalized financial advice;
investment advice;
a guarantee of profit.

2.3. All decisions are made independently by the User.

3. Investment Risks

3.1. Investing always involves risk.

3.2. The User understands and accepts that:

stock prices may decline;
ETF prices may decline;
bond values may change;
the value of any financial instrument may fluctuate significantly.

3.3. A partial or complete loss of invested funds is possible.

3.4. Past performance does not guarantee future returns.

3.5. The Company does not guarantee any profit from the use of information contained in the practical program.

4. Independent Decision-Making

4.1. The User independently makes decisions regarding:

the purchase of financial instruments;
the sale of financial instruments;
the investment period;
the amount invested;
the allocation of capital.

4.2. The Company does not make decisions on behalf of the User.

4.3. The Company does not control the User’s actions after the User has reviewed the materials.

5. Accuracy of Information

5.1. The Company strives to use current and up-to-date information.

5.2. However, the Company does not guarantee that information will remain current at all times, as the following may change:

laws and regulations;
tax rules;
brokerage rules;
exchange rules;
economic conditions;
financial markets.

5.3. The User is responsible for independently verifying the accuracy and current status of information before making financial decisions.

6. Tax Information

6.1. Any information regarding taxation is provided solely for informational purposes.

6.2. The Company does not provide tax advice.

6.3. The User is solely responsible for complying with the tax laws of their country.

6.4. When necessary, the User is advised to consult a licensed or qualified tax professional.

7. Legal Information

7.1. Any legal information is provided solely for general informational purposes.

7.2. The Company does not provide legal services.

7.3. Program materials do not replace consultation with a licensed attorney.

7.4. If legal questions arise, the User should independently consult an appropriate professional.

8. No Guarantees

The Company does not guarantee:

profit;
capital growth;
achievement of financial independence;
the success of any investment strategy;
the absence of losses;
the achievement of any financial goals.

The results of each investor are individual and depend on many factors, including experience, knowledge, discipline, market conditions, available capital, and personal circumstances.

9. Use of Third-Party Services

9.1. The practical program may mention third-party services, brokers, banks, payment systems, software, mobile applications, internet resources, and other organizations.

9.2. Such services are mentioned solely for informational purposes.

9.3. The Company is not a representative of such organizations and is not responsible for:

the quality of their services;
changes to their terms of service;
changes to their fees;
technical failures;
actions of their employees;
decisions made by such organizations.

9.4. The User independently decides whether to use any third-party services.

10. Use of Artificial Intelligence

10.1. The Company may use artificial intelligence technologies in the creation, editing, formatting, translation, voice production, and updating of materials for the practical program.

10.2. The use of artificial intelligence does not affect the Company’s copyrights.

10.3. All materials undergo editorial review before publication.

11. Limitation of Liability

11.1. To the fullest extent permitted by law, the Company shall not be liable for:

financial losses;
losses;
lost profits;
decreases in asset value;
actions of brokers;
actions of banks;
actions of third parties;
technical failures;
unavailability of Telegram;
unavailability of the website;
unavailability of payment services;
errors made by the User when investing.

11.2. The Company does not compensate for any losses arising from the User’s independent investment decisions.

12. Copyright

12.1. All materials of the practical program are the intellectual property of AmericaTok Production LLC or are used by the Company on lawful grounds.

12.2. Without the Company’s written consent, it is prohibited to:

copy materials;
distribute materials;
publish materials;
sell materials;
record the screen;
use materials to create one’s own programs;
transfer materials to third parties.

12.3. Copyright infringement may result in liability in accordance with applicable law.

13. No Fiduciary Relationship

13.1. Use of the website, purchase of access to the practical program, participation in the private Telegram channel, receipt of answers to questions, comments, publications, or other materials does not create between the Company and the User an investment adviser, financial adviser, asset manager, broker, agent, representative, fiduciary, or other relationship requiring the Company to act in the User’s interests when making investment decisions.

13.2. The Company does not manage Users’ funds.

13.3. The Company does not control or manage Users’ assets.

13.4. All investment decisions are made independently by the User.

14. No Individual Investment Advisory Services

14.1. AmericaTok Production LLC and the author of the practical program, Elena Azarenko, do not provide individualized investment advisory services and do not engage in discretionary management of Users’ assets.

14.2. The materials of the practical program are intended solely for informational and educational purposes.

14.3. The Company does not analyze the individual financial circumstances of Users.

14.4. The Company does not take into account the investment objectives, acceptable level of risk, or financial capabilities of any specific User.

14.5. When necessary, the User is advised to consult a licensed financial professional, investment adviser, tax professional, or attorney.

15. International Use

15.1. The practical program is available to Users from various countries.

15.2. The User is solely responsible for complying with the laws of their country of residence, tax residency, and other applicable requirements.

15.3. The Company is not responsible for restrictions imposed by the laws of individual countries regarding the use of informational materials or financial instruments.

16. Changes to This Disclaimer

16.1. The Company has the right to modify this Disclaimer at any time.

16.2. The new version becomes effective upon publication on the official website.

16.3. Continued use of the website constitutes the User’s acceptance of the revised version of this Disclaimer.

17. Final Provisions

17.1. This Disclaimer applies together with:

the Terms and Conditions;
the Privacy Policy;
the Refund Policy.

17.2. If any provision of this Disclaimer is found to be invalid, the remaining provisions shall remain legally valid and enforceable.

17.3. Use of the website, purchase of access to the practical program, or receipt of any materials from GoInvest Academy by Elena Azarenko constitutes the User’s full acceptance of this Disclaimer.