Legal Disclaimer

Legal Disclaimer - Financial Coaching Services
Fa De Kulcha Consulting

Effective 1 April 2026

Welcome to Fa De Kulcha Consulting. By accessing our website or using our services, you acknowledge and agree to the following disclaimer.

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Educational Purposes Only​

The information provided through our website, coaching sessions, downloadable resources, emails, social media platforms, and other materials is intended for educational and informational purposes only.

Our financial coaching services are designed to help individuals improve money management, strengthen saving habits, build financial confidence, and develop practical financial systems. Our services are not intended to replace professional financial, legal, tax, accounting, or investment advice.

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No Financial or Investment Advice​

Fa De Kulcha Consulting does not provide:

• Financial planning services

• Investment advice

• Investment portfolio management

• Securities recommendations

• Tax advice

• Accounting services

• Legal advice

• Insurance advice

• Mortgage or lending advice

Clients are encouraged to seek advice from appropriately licensed professionals before making significant financial decisions.

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No Guarantees​

Every client's financial situation is unique.

While our coaching is designed to help clients improve financial habits and make informed decisions, we cannot guarantee specific outcomes, including but not limited to:

• Increased savings

• Debt reduction

• Financial freedom

• Income growth

• Credit score improvements

• Investment performance

Success depends on many factors, including each client's commitment, consistency, financial circumstances, and implementation of the strategies discussed.

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Personal Responsibility​

You acknowledge that you are solely responsible for your financial decisions and the results of those decisions.

Any actions you take based on information provided by Fa De Kulcha Consulting are taken at your own discretion and risk.

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Coaching Relationship​

Financial coaching is a collaborative process designed to educate, encourage, and provide accountability.

Coaching is not financial planning, counselling, therapy, legal representation, or fiduciary financial advising.

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Third-Party Resources​

From time to time, we may recommend books, budgeting tools, apps, calculators, or other educational resources.

These recommendations are provided solely for your convenience and do not constitute an endorsement or guarantee of their accuracy, security, or effectiveness.

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Website Content​

We make every effort to ensure the information on this website is accurate and up to date. However, Fa De Kulcha Consulting makes no warranties regarding the completeness, reliability, or accuracy of the information provided.

Information may be updated, modified, or removed without notice.

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Limitation of Liability​

To the fullest extent permitted by applicable law, Fa De Kulcha Consulting shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Use of this website

• Participation in coaching services

• Reliance on educational materials

• Financial decisions made by clients

• Errors or omissions in content​

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Testimonials​

Testimonials featured on this website reflect individual client experiences.

They are not intended to represent or guarantee that current or future clients will achieve the same results.

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External Links​

Our website may contain links to third-party websites for educational purposes.

Fa De Kulcha Consulting is not responsible for the content, privacy practices, or accuracy of information found on external websites.

Contact​

If you have any questions regarding this disclaimer, please contact:

Fa De Kulcha Consulting via email at info@fadekulcha.com