1. Not Financial Advice

XRP Academy is an educational platform. All content, including courses, articles, videos, valuation models, and other materials, is provided for informational and educational purposes only.

We are not:

• Financial advisors or investment professionals
• Registered investment advisors (RIAs)
• Broker-dealers or securities professionals
• Tax advisors or accountants
• Legal professionals or attorneys
• Licensed to provide professional financial advice

You should not:

• Consider our content as personalized financial advice
• Make investment decisions based solely on our educational materials
• Rely on our content as a substitute for professional advice
• Assume we are recommending specific investments

2. Investment Risks

Cryptocurrency investments are highly risky and speculative. You acknowledge and understand that:

3. Valuation Models

Our valuation models and price predictions are theoretical exercises for educational purposes only. They are not:

• Price predictions or forecasts
• Investment recommendations
• Guarantees of future performance
• Based on insider information
• Professional financial analysis

Valuation models are:

• Based on assumptions that may prove incorrect
• Simplified representations of complex markets
• Subject to limitations and errors
• Tools for learning financial concepts, not investment guides

Do not make investment decisions based on our valuation models.

4. No Endorsement

References to XRP, Ripple, or any other cryptocurrency, company, product, or service on our platform do not constitute an endorsement or recommendation.

We provide educational content about various topics in the blockchain and cryptocurrency space. This does not mean we:

• Recommend purchasing any specific cryptocurrency
• Endorse any company, project, or protocol
• Guarantee the success or viability of any technology
• Have affiliations with the entities we discuss (unless explicitly stated)

5. Accuracy of Information

While we strive to provide accurate and up-to-date information:

• Errors May Occur: Our content may contain inaccuracies, errors, or omissions
• Information Changes: The cryptocurrency space evolves rapidly; information may become outdated
• No Guarantee: We do not guarantee the accuracy, completeness, or timeliness of our content
• Independent Verification: Always verify information independently before relying on it

We are not liable for decisions made based on inaccurate or outdated information on our platform.

6. Third-Party Content

Our platform may include links to third-party websites, content, or resources. We:

• Do not control or endorse third-party content
• Are not responsible for the accuracy of external information
• Do not guarantee the safety or reliability of external links
• Are not liable for your interactions with third parties

Use third-party links at your own risk.

7. Performance Claims

Any references to historical cryptocurrency prices, returns, or performance are for educational illustration only. They do not:

• Predict future performance
• Represent typical results
• Account for fees, taxes, or individual circumstances
• Constitute guarantees or promises

Individual results will vary. You may lose money.

8. No Professional Relationship

Use of XRP Academy does not create:

• A professional advisor-client relationship
• A fiduciary duty to you
• Legal, tax, or accounting advice
• Personalized financial planning services

Consult qualified professionals for advice specific to your situation.

9. Tax Implications

Cryptocurrency transactions may have tax implications. We:

• Do not provide tax advice
• Are not tax professionals
• Cannot advise on your specific tax situation

Consult a qualified tax professional regarding cryptocurrency taxation.

10. Forward-Looking Statements

Our content may include forward-looking statements, projections, or scenarios. These are:

• Speculative in nature
• Based on assumptions that may not materialize
• Subject to significant uncertainties and risks
• Not guarantees of future events

Actual results may differ materially from any forward-looking statements.

11. Limitation of Liability

To the maximum extent permitted by law, XRP Academy and its owners, employees, and affiliates shall not be liable for:

• Financial losses resulting from investment decisions
• Trading losses or missed opportunities
• Errors or omissions in our content
• Technical issues or platform downtime
• Actions taken based on our educational materials
• Reliance on third-party information
• Any indirect, incidental, or consequential damages

You use XRP Academy at your own risk.

12. Regulatory Compliance

It is your responsibility to:

• Understand and comply with applicable laws in your jurisdiction
• Determine if cryptocurrency activities are legal where you reside
• Report and pay any required taxes
• Follow securities regulations if applicable

We do not provide legal advice. Consult an attorney for legal guidance.

13. Consult Professionals

Before making any financial decisions, you should consult with:

• Financial Advisor: For investment advice tailored to your situation
• Tax Professional: For tax planning and compliance
• Attorney: For legal matters and regulatory compliance
• Accountant: For financial planning and record-keeping

14. Contact Information

If you have questions about this Disclaimer: