Important Disclaimer

1. Educational Purpose Only

This website provides educational content exclusively. All information, articles, resources, and materials on Consopamt.com are for informational and educational purposes related to financial literacy and general financial awareness.

Consopamt is an educational platform and resource library. We are NOT:

• A financial advisor or financial planning firm
• An investment advisor or investment management company
• A broker-dealer or brokerage firm
• A credit counseling service or credit repair organization
• A tax advisor, CPA, or tax preparation service
• A legal services provider or law firm
• An insurance agent or insurance company
• A banking or lending institution
• A financial product or service provider

2. Not Financial Advice

No content on this website constitutes financial advice, investment advice, trading advice, legal advice, tax advice, credit advice, or any other form of professional advice.

All educational materials are general information and should not be interpreted as:

• Recommendations to buy, sell, hold, or trade any securities, investments, or financial instruments
• Recommendations to use, purchase, or avoid any financial products or services
• Personalized financial guidance tailored to your specific circumstances
• Professional advice from licensed advisors
• Actionable guidance for financial decision-making

3. No Product Promotion or Endorsement

We do not promote, recommend, endorse, advertise, or sell any financial products or services.

Consopamt does not:

• Recommend specific investments, securities, stocks, bonds, mutual funds, ETFs, or other financial instruments
• Promote or endorse any financial institutions, brokerages, banks, or service providers
• Encourage the purchase or use of any financial products
• Facilitate financial transactions of any kind
• Receive compensation for promoting financial products (no affiliate relationships)

4. We Do Not Encourage Financial Transactions

This website does not encourage, facilitate, or support any financial transactions. We provide educational information only. Any financial decisions you make are entirely your own responsibility.

5. Seek Licensed Professionals

For personalized financial guidance, you MUST consult licensed professionals.

Before making any financial decisions, consult qualified professionals such as:

• Certified Financial Planners (CFP®) for comprehensive financial planning
• Registered Investment Advisors (RIA) for investment advice and portfolio management
• Certified Public Accountants (CPA) for tax planning and preparation
• Licensed Attorneys for legal and estate planning matters
• Credit Counselors for debt management guidance
• Insurance Agents for insurance planning

These professionals are licensed, regulated, and qualified to provide advice tailored to your specific financial situation, goals, and jurisdiction.

6. No Guarantee of Accuracy

While we strive for accuracy, we make no guarantees about the completeness, reliability, or accuracy of our educational content.

Financial information changes rapidly. Laws, regulations, tax codes, and financial products are subject to change. Information on this website may become outdated. We are not responsible for:

• Errors or omissions in content
• Outdated information
• Technical inaccuracies
• Changes in financial regulations or laws

7. No Future Performance Guarantees

We make no representations about future financial outcomes or performance.

Past performance is not indicative of future results. Financial markets are unpredictable. Any educational examples, scenarios, or historical data referenced are for illustrative purposes only and do not guarantee future performance or outcomes.

8. User Responsibility & Independent Verification

You are solely responsible for your financial decisions.

By using this website, you acknowledge that:

• You will verify all information independently before making decisions
• You will not rely solely on educational content from this website
• You will consult licensed professionals for personalized advice
• You understand that financial decisions carry risk
• You accept full responsibility for your financial choices

9. Risk Warning

All financial decisions carry risk, including potential loss of capital.

Investments may decrease in value. Financial decisions may result in financial loss. Educational information is not sufficient for making financial decisions. See our Risk Information page for detailed warnings.

10. Limitation of Liability

Consopamt, its owners, employees, and contributors are not liable for any financial losses or damages resulting from the use of this website.

We disclaim all liability for:

• Financial losses from decisions made based on website content
• Investment losses or poor financial outcomes
• Reliance on educational information without professional advice
• Errors, omissions, or inaccuracies in content
• Changes in laws, regulations, or financial markets

11. No Professional-Client Relationship

Using this website does NOT create a professional-client relationship.

Simply accessing, reading, or using educational content on this website does not establish any advisory relationship, fiduciary duty, or professional obligation between Consopamt and you.

12. Educational Content Standards

Our content is reviewed for educational accuracy and neutrality.

We aim to present information in a neutral, fact-based manner without:

• Exaggerated claims or promises
• Guarantees of financial success
• Pressure to make financial decisions
• Promotional or sales-oriented language
• Misleading or deceptive content

13. Regulatory Status

Consopamt is an educational content provider, not a regulated financial services firm.

We are not registered with:

• The Securities and Exchange Commission (SEC) as an investment advisor
• The Financial Industry Regulatory Authority (FINRA) as a broker-dealer
• State or federal banking regulators
• Insurance regulatory authorities
• Any financial services regulatory body

We operate as an educational resource platform only.

14. Third-Party Links

We are not responsible for third-party websites or content.

This website may contain links to external websites for educational reference. We do not endorse, control, or take responsibility for third-party content, products, or services.

15. Changes to Content

We may update, modify, or remove content at any time without notice.

Educational materials may be revised to reflect new information, regulatory changes, or corrections. We are not obligated to maintain any specific content on this website.

16. Jurisdiction & Legal Compliance

This website is intended for educational purposes in jurisdictions where such content is permitted.

Users are responsible for compliance with local laws and regulations regarding financial information and education in their jurisdiction.

17. Contact Information

If you have questions about this disclaimer or our educational content:

• Email: general@consopamt.com
• Phone: +49.6827491800
• Address: Petra Kohl, Meininger Strasse 45, Eppelborn, 66567 DE

18. Acceptance of Terms

By using this website, you acknowledge that you have read, understood, and agreed to this disclaimer.

If you do not agree with these terms, you must not use this website.