Important Disclaimers and Legal Information
Last Updated: September 15, 2025
Important Notice
Past performance does not guarantee future results.
All financial planning involves risk and individual circumstances may vary significantly. Please consult with qualified professionals before making any financial decisions.
General Disclaimer
The information provided on this website is for general informational purposes only and should not be considered as professional financial advice. While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind regarding the completeness, accuracy, reliability, or suitability of the information contained herein.
Your use of this website and reliance on any information provided is solely at your own risk. We recommend consulting with qualified financial professionals before making any decisions based on the information presented.
Information Accuracy
While we make every effort to ensure the accuracy of information on our website, we cannot guarantee that all information is current, complete, or error-free. The following limitations apply:
- We do not guarantee the accuracy, completeness, or timeliness of any information
- Information may be updated or changed without prior notice
- Content should not be considered as professional financial advice for your specific situation
Limitation of Liability
To the fullest extent permitted by law, we disclaim all liability for any damages arising from your use of this website or our services, including but not limited to:
Under no circumstances shall we be liable for any of the following types of damages:
- Direct damages or losses resulting from use of our website or services
- Indirect or incidental damages arising from any cause
- Consequential damages including business interruption or loss of opportunity
- Loss of profits, revenue, or business opportunities
Financial Services Disclaimer
Our financial planning services are provided for informational and consultation purposes only. We do not provide investment management services, nor do we guarantee any specific financial outcomes. All financial decisions remain solely your responsibility.
Investment Risk Warning
All financial planning involves inherent risks, and market conditions can change rapidly. Values may fluctuate, and you may receive back less than originally planned. Consider your risk tolerance and financial situation carefully.
Individual results may vary based on personal circumstances, market conditions, and implementation of planning recommendations.
External Links
Our website may contain links to third-party websites for your convenience and information. We do not control these external sites and are not responsible for their content, policies, or practices.
The inclusion of any link does not imply endorsement, approval, or recommendation of the linked website or its content by our company.
Disclaimer of Warranties
We provide our website and services on an "as is" basis without warranties of any kind, including:
- Warranties of merchantability or fitness for a particular purpose
- Warranties that our services will meet your specific requirements
- Warranties of non-infringement or uninterrupted service
Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of our website or services, including any violation of these terms or applicable laws.
Governing Law and Jurisdiction
The following legal provisions govern your use of our website and services:
Governing Law: These terms are governed by and construed in accordance with the laws of the United States and the state in which our business is located
Jurisdiction: Any disputes shall be resolved in the courts of competent jurisdiction in the United States
Some provisions may vary based on local state regulations and consumer protection laws
Age Restrictions
18+ only
Our services are intended for adults aged 18 years and older. Minors must have parental consent and supervision when accessing our website or services.
Health and Medical Disclaimer
Changes to This Disclaimer: Changes to This Disclaimer:
Changes to This Disclaimer: Changes to This Disclaimer
Changes to This Disclaimer
We reserve the right to update or modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting on our website. Your continued use of our services constitutes acceptance of any modifications.
Contact Information
If you have questions about this disclaimer or need clarification on any of these terms, please contact us using the information below:
Email: contact@xandorivalea.com
Phone: +1-530-231-1420
Address: 1247 Financial Plaza, Sacramento, CA 95814
Acceptance of Terms
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer and all applicable terms and conditions.