Legal notice

Last updated in January 2025

General Information

Europe Personal Finance (“company”, “we”, or “our”) provides general educational information on various topics on this website as a public service. This information should not be interpreted as professional, financial, tax, legal, or real estate advice. They are solely personal opinions.

The term “you” refers to any person who uses, visits, and/or views the website.

Please read this Legal Notice carefully. We reserve the right to modify it at any time without prior notice. By visiting and using this website, you accept and agree to be bound by this Legal Notice, along with our Terms and Conditions and Privacy Policy. Your continued use of the website constitutes acceptance of future changes. If you do not wish to be bound by this Legal Notice, you should not access or use the website.

General Disclaimer

Although we are trained economists, we are not your financial advisors. All content and information on this website, including our programs, products, and services, are exclusively for informational and educational purposes. They do not constitute financial advice and do not establish any client-investor relationship with you.

Affiliate and Third-Party Links Disclosure

We may collaborate with other companies or participate in affiliate marketing programs, where products or services may be promoted on the website in exchange for commissions when you click and/or make a purchase through our affiliate links.

We recommend products or services based on our personal experience, but it is your responsibility to conduct due diligence to ensure you obtain complete and accurate information. We have no control over external websites and are not responsible for the content presented on those sites or any damages resulting from their use.

This policy applies to all affiliate links shared on the website, social media, emails, programs, products, or other communication channels.

Earnings and Testimonials Disclaimer

We may disclose income reports or success results from current or past clients, as well as opinions and testimonials about products on the website. These examples are for informational purposes only and do not guarantee similar results for you.

Each person’s performance varies according to personal circumstances, skills, and experience. You are encouraged to conduct your own research and take responsibility for your results. We are not responsible for any success or failure related to the information, products, or services presented here.

Fair Use Disclaimer

This website may include reviews of products, companies, or financial platforms, including the use of third-party images and logos. When such content is used, we assert that it is in compliance with fair use principles under copyright law.

If you believe that any material has been used without authorization, please contact us at success@hmchoose.com.

Warranties

All content and information on the website are provided "as is" and "as available", without any warranties of any kind, express or implied. We do not guarantee that the website will meet your needs or that the information will be complete, up-to-date, or error-free.

Limitation of Liability

We shall not be liable for any direct, indirect, or consequential damages arising from the use of this website, including data loss, profit loss, or service interruptions.

You use the website at your own risk and are solely responsible for the accuracy of the information provided and the results of your actions.

Indemnification

You agree to indemnify us against any losses, claims, or costs arising from your use of the website, purchase of products, or violation of any provision of this Legal Notice.

Contact

For any questions, please contact us at success@hmchoose.com.