Legal Disclaimer
Last updated: January 2025
This disclaimer applies to all content, materials, and educational resources provided through vorilex.pro and any associated platforms operated by Vorilex. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these terms.
The information presented here is intended for educational purposes only. We strongly recommend consulting with qualified professionals before making any financial decisions.
Educational Purpose and Information Accuracy
All content provided through Vorilex is designed to support educational objectives related to long-term investment thinking and financial literacy. While we make reasonable efforts to ensure the accuracy and currency of information presented, financial markets and investment landscapes change rapidly.
Content Limitations
Our educational materials reflect general principles and concepts. They should not be interpreted as:
- Specific investment recommendations tailored to individual circumstances
- Professional financial advice or consultation services
- Guarantees of future investment performance or returns
- Comprehensive analysis of all relevant factors affecting financial decisions
- Current market conditions as of the time you access the content
Market conditions, regulatory environments, and economic factors change constantly. Information that was accurate at the time of publication may become outdated without notice.
Information Sources
We compile educational content from various sources that we believe to be reliable. However, we cannot guarantee the completeness or accuracy of all third-party information referenced in our materials. You should independently verify any information before relying on it for personal financial decisions.
Understanding Educational Limitations
General Education Focus
Our programs teach concepts and frameworks rather than providing individualized guidance. Each person's financial situation differs significantly based on countless variables we cannot assess through educational content alone.
No Professional Relationship
Accessing our educational materials does not create a professional advisory relationship. We do not have fiduciary duties to website visitors or program participants regarding their personal financial choices.
Time-Sensitive Nature
Financial education materials may reference historical data, case studies, or market conditions that existed at the time of creation. These references serve educational purposes and do not predict future outcomes.
Independent Verification
You bear sole responsibility for verifying any information before applying it to personal circumstances. Cross-reference educational concepts with current professional advice specific to your situation.
Limitation of Liability
To the fullest extent permitted under Irish law and applicable European Union regulations, Vorilex and its directors, employees, affiliates, and educational partners disclaim all liability for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Use or inability to use our educational materials or website
- Reliance on any information, opinions, or recommendations presented
- Financial decisions made based on educational content provided
- Errors, omissions, or inaccuracies in materials or presentations
- Technical difficulties, system failures, or interruptions in service
- Unauthorized access to or alteration of your data or communications
As-Is Provision
All educational content and website functionality is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. We specifically disclaim any warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that our website will operate error-free, that defects will be corrected, or that the site or servers hosting it are free from harmful components. We make no guarantees regarding the results that may be obtained from using our educational materials.
Professional Advice Requirement
Financial planning involves complex considerations unique to each individual's circumstances, including but not limited to:
- Current financial position and cash flow requirements
- Risk tolerance and investment time horizon
- Tax implications under applicable Irish and EU regulations
- Estate planning and intergenerational wealth transfer considerations
- Regulatory compliance requirements for specific investment vehicles
- Insurance needs and liability protection strategies
Before making any financial decisions, consult with qualified professionals including regulated financial advisors, tax specialists, and legal counsel as appropriate to your circumstances.
Regulatory Context
Vorilex operates as an educational organization. We are not regulated as a financial services provider under Irish or European Union financial services regulations. Our educational content should never substitute for advice from properly regulated and qualified financial professionals.
Different jurisdictions have varying regulations regarding financial advice, investment products, and disclosure requirements. If you reside outside Ireland, additional regulatory considerations may apply to your situation.
External Links and Third-Party Content
Our educational resources may reference or link to external websites, publications, or resources that we believe offer educational value. The inclusion of any link does not imply endorsement, approval, or responsibility for the content, accuracy, or practices of those external sites.
Third-party websites operate under their own terms and privacy policies. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. You access external resources at your own risk.
Referenced Materials
Case studies, examples, and historical references used in our educational content serve illustrative purposes only. Past performance does not guarantee future results. Individual outcomes vary based on countless factors that educational materials cannot fully address.
Intellectual Property Considerations
All content on vorilex.pro, including text, graphics, logos, and educational materials, is protected by copyright and intellectual property laws. You may access and use materials for personal educational purposes, but you may not reproduce, distribute, or create derivative works without explicit written permission.
Trademarks and service marks displayed on our website are the property of Vorilex or their respective owners. Nothing on this site should be interpreted as granting any license or right to use any trademark without written permission.
Changes to Educational Content
We reserve the right to modify, update, or discontinue any educational content, programs, or website features at any time without prior notice. Given the nature of financial education and the constantly changing environment it addresses, regular updates help maintain relevance.
This disclaimer itself may be updated periodically. Material changes will be reflected in the "Last updated" date at the top of this page. Continued use of our website following any modifications indicates acceptance of the revised terms.
Program Adjustments
Educational program schedules, content structure, and delivery methods may change based on evolving educational best practices and participant needs. While we strive to provide advance notice of significant changes, some adjustments may occur with limited notice.
Personal Responsibility
You acknowledge that investment and financial decisions carry inherent risks. These risks include but are not limited to market volatility, economic changes, regulatory modifications, and the potential loss of capital.
By engaging with our educational content, you accept full responsibility for evaluating the suitability of any concepts or frameworks to your personal circumstances. You agree to seek appropriate professional guidance before implementing any financial strategies.
No educational content can replace the judgment and professional expertise required to make sound financial decisions appropriate to your unique situation.
Governing Law and Jurisdiction
This disclaimer and your use of the Vorilex website are governed by Irish law. Any disputes arising from or related to this disclaimer or your use of our educational resources shall be subject to the exclusive jurisdiction of the Irish courts.
If any provision of this disclaimer is found to be invalid or unenforceable under applicable law, the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision. The remainder of the disclaimer shall continue in effect.