Disclaimer

Website: https://kompul.com (and the Kompul application)

1. Informational and Educational Use Only

The information, tools, analyses, and AI-generated content provided by Janara Nguon, operating under the name Kompul ("we", "our") on our websites and mobile application (collectively, the "Service") are strictly for general information, educational, and self-directed purposes.

2. No Financial Advice (NI 31-103 Compliance)

Kompul is not a registered investment advisor, portfolio manager, or securities dealer. We are not registered with the Autorité des marchés financiers (AMF) of Quebec nor with any other Canadian securities authority under Regulation 31-103 on registration requirements and exemptions.

No securities recommendations:

The Service does not provide any personalized recommendations regarding the purchase, sale, or holding of specific securities (stocks, bonds, mutual funds, crypto-assets).

No suitability assessment:

The Service does not evaluate whether a specific investment is suitable for your financial situation, risk tolerance, or investment objectives.

Execution tool:

Kompul is a technological tool for tracking and behavioral analysis. Any investment decision made using our tools remains your sole and entire responsibility.

3. Artificial Intelligence (AI) Limitations

Our "AI Coach" and "Scam Detector" use advanced language models (LLM) to analyze data and provide suggestions. Although we use cutting-edge technologies (Gemini 2.0), the user acknowledges that:

Hallucination Risk:

AI may occasionally generate incorrect, misleading, or fabricated information ("hallucinations").

No Human Judgment:

AI analyzes mathematical and linguistic patterns; it does not possess human professional, ethical, or contextual judgment.

Verification Required:

You must never make critical financial decisions (such as taking on debt, investing a significant amount, or modifying your portfolio) based solely on an AI suggestion. Always verify calculations and information with an official source.

4. No Professional Relationship

The use of Kompul, including interaction with the AI Coach, does not create any professional-client relationship (financial advisor, accountant, lawyer). The content of this platform reflects personal experiences and organizational methodologies and should not be considered as a substitute for certified professional advice.

Before making financial, legal, or tax decisions, you must consult a qualified professional (CPA, Financial Planner, Lawyer) who can assess your individual situation with full knowledge.

5. Risk Acceptance

Your use of the Service is entirely at your own risk.

Trading and Investment:

Financial trading and investment carry inherent risks of capital loss. You assume full responsibility for any financial loss.

Physical Activities:

References to hiking or survival are anecdotal or metaphorical.

Technology:

We do not guarantee that the Service will be uninterrupted or error-free.

6. Income Disclaimer

Although we share strategies to optimize budgeting and wealth management, we make no promises or guarantees of future financial gains. Testimonials or success examples presented (including the founder's story) are exceptional results and do not guarantee that you will achieve the same results. Your success depends on your efforts, discipline, the market, and many other factors beyond our control.

7. External Links and Affiliations

The Service may contain links to third parties.

No control:

We do not verify the accuracy of third-party sites (banks, brokers, tools).

Affiliation:

Some links (e.g., Amazon, TradingView, Tradezella) are affiliate links. If you click on them and make a purchase, we may receive a commission at no additional cost to you. However, we only recommend tools that we actually use.