This disclaimer sets out important limits on how you should use and rely on the information, examples, and descriptions of AI techniques that appear on Muvolentariqo. Because markets, regulations, and technologies change, and because any model has inherent limitations, we want you to treat our content as context for your own judgment rather than as instructions. Please read this page carefully before using the site, as continued use indicates that you accept these terms.

I. General notice

This website is operated by Muvolentariqo to describe our work with AI in the context of financial market research, including risk premia modeling, scenario based multi asset frameworks, and stress testing techniques. The material is provided for general informational purposes only and should not be treated as advice, offer, solicitation, or invitation to engage in any specific transaction or course of action. By accessing or using this site, you acknowledge that you remain solely responsible for how you interpret and apply any information presented here, and that you will seek appropriate professional input where needed.

II. Limitations of liability

Because our site focuses on analytical methods, scenarios, and AI based techniques, it can be easy to overestimate how precise or reliable any output may be. To keep expectations realistic and aligned with legal requirements, this section explains how our responsibility is limited when you choose to use or rely on the material we publish here.

1. (a) We are not liable for any direct losses you may suffer as a result of using or relying on information from this site, except where such liability cannot be excluded or limited under applicable law. You remain responsible for checking whether the material is suitable for your specific situation before acting on it.
2. (b) We are not liable for any indirect, consequential, special, or incidental losses, including loss of opportunity, business interruption, or reputational impact, arising out of or in connection with your access to, or use of, this website or its content, even if we have been informed that such losses were possible.
3. (c) We are not responsible for any issues arising from technical interruptions, delays, viruses, or other harmful components that may affect your devices or data when accessing or using the site. You are encouraged to use appropriate security tools and practices to protect your systems.
4. (d) We are not responsible for the acts, omissions, or content of third parties, including providers of external sites, tools, or data sources that may be referenced or linked from this website. Any interaction you have with such third parties is at your own discretion and subject to their terms.

III. Information accuracy

The information on this site is prepared with care, but it is still based on data sources, models, and assumptions that can contain errors, gaps, or delays. We may update, correct, or withdraw content without prior notice as new information becomes available or methodologies change. You should not rely on any single chart, scenario, or example as complete, precise, or current, and you remain responsible for verifying any figures or interpretations before using them in your own processes.

We do not promise that the information on this site is complete, accurate, up to date, or suitable for your specific circumstances, and any use of it is at your own discretion and risk.

IV. No personalized professional advice

The descriptions of AI techniques, scenario frameworks, and risk premia modeling on this site are not a substitute for professional advice tailored to your situation. They are intended to illustrate methods and considerations that may be relevant to some organizations under certain conditions. Before taking or refraining from any action based on our content, you should consult appropriately qualified professionals who can consider your objectives, constraints, and regulatory context in detail.

V. External links

Our website may contain links to third party sites or resources that we believe are relevant to AI, financial market research, or related topics. We do not control, endorse, or routinely monitor these external sites, and we are not responsible for their content, accuracy, security, or availability. When you follow a link, you do so at your own risk and should review the applicable terms, privacy notices, and disclaimers for that third party environment.

VI. Uncertain outcomes and performance

Any references to potential outcomes, performance under scenarios, or historical case studies are examples meant to show how analytical frameworks can behave, not promises about what will happen in the future. Market conditions, policy decisions, and other external factors can change quickly and in ways that models do not anticipate. Past performance does not guarantee future results, and results may vary, so you should treat all forward looking discussions on this site as uncertain and subject to change.

VII. Financial and research related information

Content on this site is designed for general information about AI techniques, risk premia modeling, and scenario based multi asset research, and is not tailored to your individual situation, objectives, or constraints. It should be treated as a starting point for your own analysis, not as a basis for specific financial decisions.

1. (a) We do not provide personalized financial, legal, tax, or accounting advice through this website, and nothing here should be interpreted as a recommendation to buy, sell, hold, or otherwise act on any particular financial instrument or strategy. You should consult your own qualified advisers before making decisions that could affect your finances, obligations, or risk profile.
2. (b) Any references to market scenarios, risk premia behavior, or historical episodes are illustrative examples of analytical techniques and should not be read as forecasts, promises, or indications that similar patterns will repeat. Markets can move in ways that differ materially from past observations, especially during periods of stress or structural change.
3. (c) If you use insights, examples, or tools described on this site within your own processes, you accept full responsibility for how they are implemented and interpreted. We are not responsible for outcomes arising from your use, adaptation, or combination of our content with other data, systems, or decision frameworks.

VIII. Jurisdiction and audience

Our primary focus is on visitors and clients located in Canada, and this disclaimer is written with that context in mind. However, the internet does not respect borders, and people from other jurisdictions may access our content.

IX. Indemnification

By using this website, you agree to indemnify and hold harmless Muvolentariqo, along with its team members and partners, from and against any claims, losses, liabilities, damages, costs, or expenses arising from your misuse of the site, your breach of this disclaimer, or your violation of any applicable law or rights of a third party. This includes reasonable costs associated with investigating or responding to such claims, to the extent permitted by law.

X. Severability

If any part of this disclaimer is found to be invalid, unlawful, or unenforceable by a competent authority, that portion will be interpreted in a way that most closely reflects the original intent while complying with applicable law. The remaining sections will continue in full force and effect, and your obligations under them will remain unchanged.

XI. Changes to this disclaimer

We may update, revise, or replace this disclaimer from time to time, for example when our services evolve, when we introduce new analytical methods, or when legal or regulatory expectations change. Any changes will be posted on this page with an updated effective date, and they take effect from the moment they are published. We encourage you to review this page periodically to stay informed about how it applies to your use of the site.

XII. Contact

If you have questions about this disclaimer, how it applies to your use of our site, or how it interacts with other legal documents we publish, you can contact us using the details provided on our contact page. We aim to respond with clear, practical explanations rather than legal jargon.