Financial Disclaimer

Not Professional Financial Advice

MoneyJuan provides general financial information and education for Filipinos. We are not licensed financial advisors, investment professionals, accountants, lawyers, or tax experts.

Nothing on this website constitutes professional financial, investment, legal, or tax advice. Our content should not be relied upon as the sole basis for any financial decision.

Educational Content Only

Our articles, guides, comparisons, and reviews are educational resources designed to help you:

• Understand financial concepts
• Learn about available financial products
• Compare options in the Philippine market
• Make more informed financial decisions

This information is general in nature and does not consider your individual circumstances, financial situation, needs, or objectives.

Consult Licensed Professionals

Before making significant financial decisions, consult with licensed professionals:

• Financial Planning: Consult a licensed financial advisor or planner
• Investments: Consult a licensed investment advisor or broker
• Taxes: Consult a licensed accountant or tax professional
• Legal Matters: Consult a licensed attorney
• Insurance: Consult a licensed insurance agent or broker

Professional advice considers your specific situation, which we cannot do through general website content.

Verify All Information

Interest rates, fees, terms, and policies change frequently. Financial institutions update their products without notice. While we strive for accuracy:

• Always verify current rates and terms directly with the financial institution
• Read all product disclosures and fine print before signing up
• Confirm eligibility requirements before applying
• Check for recent policy changes that may affect you

Do not rely solely on our content for time-sensitive financial decisions.

No Guaranteed Results

Financial outcomes depend on numerous factors beyond our control or knowledge:

• Your personal financial situation and history
• Market conditions and economic changes
• Individual discipline and behavior
• Timing and execution of strategies
• Unforeseen circumstances and emergencies

We make no guarantees about results you may achieve. Past performance does not guarantee future results.

Investment Risk Disclosure

All investments carry risk, including potential loss of principal. Content discussing investments or investment strategies:

• Is not a recommendation to buy or sell any security
• Does not consider your risk tolerance or investment timeline
• Cannot predict future market performance
• Does not guarantee any return or outcome

Invest only what you can afford to lose. Understand the risks before investing.

Banking and Financial Products

Information about banks, digital banks, loans, credit cards, and other financial products:

• Represents our understanding based on publicly available information
• May not reflect the most current terms and conditions
• Does not account for your creditworthiness or eligibility
• Is not an endorsement or recommendation of any specific product

Terms and availability vary by individual. You may not qualify for advertised rates or products.

Affiliate Compensation Disclosure

MoneyJuan may earn affiliate commissions when you sign up for products or services through our links. This compensation:

• Does not influence our factual reporting of rates, fees, or features
• Does not change the price you pay
• Does not create any obligation or endorsement
• Is disclosed where applicable

We only partner with legitimate financial institutions and products. However, affiliate relationships exist and may influence which products we choose to write about.

No Liability for Financial Decisions

MoneyJuan and its operators are not liable for:

• Financial losses from decisions based on our content
• Losses from outdated or incorrect information
• Results that differ from examples or scenarios presented
• Actions taken by third-party financial institutions
• Changes to products, rates, or terms after publication

You assume full responsibility for your financial decisions and their outcomes.

Philippine Market Focus

Our content focuses on the Philippine financial market and is intended for Filipino residents. Financial products, regulations, and tax implications differ by country. Information may not apply to:

• Overseas Filipino Workers (OFWs) subject to foreign tax laws
• Non-residents or foreign nationals
• International investment or banking situations
• Cross-border financial transactions

Consult professionals familiar with your jurisdiction if you have international financial considerations.

No Personal Relationship

Using MoneyJuan does not create any:

• Advisory or fiduciary relationship
• Client or professional relationship
• Duty of care or ongoing obligation to you
• Responsibility for monitoring your financial situation

Third-Party Information

We reference information from banks, government agencies, and other third parties. We are not responsible for:

• Accuracy of third-party information
• Changes made by third parties after our publication
• Third-party errors or omissions
• Actions or policies of third-party institutions

Emergency or Crisis Situations

If you are facing financial crisis, debt overwhelm, or mental health challenges related to financial stress:

• Seek immediate help from appropriate professionals or hotlines
• Do not rely on general website content for crisis intervention
• Contact licensed counselors, therapists, or financial counselors who can provide personalized support

MoneyJuan content is not a substitute for professional crisis intervention.

Changes to This Disclaimer

We may update this Financial Disclaimer as needed. Changes will be posted with a revised date. Your continued use of MoneyJuan after changes indicates acceptance of the updated disclaimer.

Acknowledgment

By using MoneyJuan, you acknowledge that:

• You have read and understood this Financial Disclaimer
• You will not rely solely on our content for financial decisions
• You will verify information and consult professionals as needed
• You accept full responsibility for your financial decisions
• You understand the limitations of general educational content

Questions

Questions about this Financial Disclaimer? Contact us at contact@moneyjuan.com.