Please ensure that you read our detailed Risk Disclosure in full and understand its contents prior to investing your capital. This platform does not provide or is not related to any trading platforms or investment products. We strive to provide professional personal finance education in the field to make ordinary people equip with financial literacy.

1. SCOPE OF THE NOTICE
   1. IEQ Investment Centre (referred to as ‘GirlBossInvest’, the ‘Firm’, ‘us’, ‘we’ and ‘our’) provides you with this ‘Risk Disclosure Notice’ (the ‘Notice’) to help you understand the risks that might arise in the progress of financial literacy learning. However, you need to bear in mind that the Notice does not contain all the risks and aspects involved.
   2. You need to ensure that any decision to engage in investment is made on an informed basis and in light of your knowledge and experience as well as to your personal circumstances (including but not limited to your financial position). In addition, you need to ensure that you understand the nature of investment and the extent of all risks and aspects involved in any investment.
   3. Please note that we do not provide any advising / tipping/ predicting/ direct selling of all investment products. This site sets to share our personal finance experiences which contribute to any individuals who want to learn more information before they make any investment decisions.
   4. While personal finance is an essential part of everyone’s life, investment is not suitable for all persons. Under no circumstances, should you risk more than you are prepared to lose.
   5. We build short-term partnerships with some financial intuitions so to enrich our content provision from time to time. You should take the responsibility to assess the credibility of any 3rd parties including their registration status in Hong Kong. We strive to build transparent cooperation to achieve win-win for both the students and our company yet in case of sudden change of policy on their sides, all students or audience should take that into account.
      
2. APPROPRIATENESS ASSESSMENT
   1. As we do not provide any financial products nor set up any kinds of trading platforms allowing audience to assess financial products, we will not assess audience risk tolerance level or conduct any financial background check so to protect privacy of audience.
      
3. NATURE OF PERSONAL FINANCIAL EDUCATION
   1. While financial education broadly encompasses the understanding of financial concepts, markets, and instruments, personal finance education delves specifically into the management of one’s individual financial affairs, including budgeting, saving, investing, and debt management.
   2. Participants should acknowledge that the information provided in this course is for educational purposes only and does not constitute financial advice or recommendations tailored to individual circumstances. The course materials may offer insights, strategies, and principles, but their application and outcomes will vary based on each participant’s unique financial situation, goals, risk tolerance, and external market conditions.
   3. It is essential to recognize that the course provider does not guarantee any specific financial outcomes or gains as a result of completing the course. Financial decisions carry inherent risks, and the effectiveness of the knowledge gained from this course depends significantly on the participant’s diligence, comprehension, and application of the concepts taught.
   4. Furthermore, participants should exercise prudence and seek professional financial advice before implementing any strategies or making significant financial decisions. The course provider shall not be held liable for any financial losses, damages, or consequences arising from the application of the knowledge gained in this course.
      
4. PRICES AND COST
   1. The pricing of our courses is transparent and clearly outlined to all participants. We believe in providing accessible and fair pricing structures that reflect the value of the educational content and resources offered.
   2. While we may enter into partnerships or collaborations with third-party financial institutions, participants should be aware that we may receive marketing fees or compensation for promoting certain products or services as free editorial forms. However, it is emphasized that this does not imply a long-standing commission structure based on student enrollments or audience participation.
   3. Participants should understand that any partnerships or collaborations with third-party financial institutions do not constitute an endorsement of their products or services. Any malpractices or issues arising from the actions of our partners are not representative of our organization’s values or standards.
   4. We are committed to transparency, integrity, and the provision of unbiased financial education to empower individuals in managing their personal finances effectively.
   5. All payments made for digital education content, including course materials, resources, and access to online platforms, are non-refundable. Once a purchase is made, it is understood that the participant has gained access to valuable educational resources and content, which cannot be revoked or refunded.
   6. This non-refundable policy is in place to ensure the sustainability of our educational services and the continued development of high-quality content for our participants. It also reflects the commitment and investment required to maintain and update digital education platforms and resources.
      
5. TECHNICAL REQUIREMENT
   1. While our courses undergo rigorous testing on various devices by professionals to ensure compatibility and accessibility, it is important to recognize that individual experiences may vary depending on personal devices and system configurations.
   2. Our courses can run perfectly on laptop as old to 2012 hardware requirement with software upgraded. You are not required to download any software or APP for learning but your internet browser should be up-to-date.
   3. Participants should understand that any difficulties encountered with logging in or accessing course materials may arise from their own device or system issues, such as internet connectivity problems, software compatibility issues, or hardware limitations.
   4. While we strive to provide technical support and assistance to address any issues within our control, participants should acknowledge that limitations in their learning experiences due to personal device or system issues do not entitle them to a refund or compensation.
   5. Your understanding and cooperation regarding device compatibility and technical support are appreciated as we work to deliver a seamless learning experience to all participants.
      
6. NO ADVICE
   1. IEQ Investment Centre may, from time to time, issue and/or distribute third party material (the ‘Material’), which contains information including but not limited to the conditions of the financial markets, posted through our Website and other media and/or received by you. It should be noted that the Material is considered to be marketing communication only and does not contain, and should not be construed as containing, investment advice and/or an investment recommendation and/or, an offer of or solicitation for any transactions in financial instruments; any decision to enter into a specific transaction shall be made by the Client following an assessment by him/herself of their situation.
   2. We make no representation and assumes no liability as to the accuracy or completeness of the information provided, nor any loss arising from any investment based on a recommendation, forecast or other information supplied by any employee of us, a third party or otherwise. The Material is not prepared in accordance with legal requirements promoting the independence of investment research and it is not subject to any prohibition on dealing ahead of the dissemination of investment research. All expressions of opinion included in the Material are subject to change without notice. Any opinions made may be personal to the author and may not reflect the opinions of us.
   3. We does not provide investment, financial, legal, tax, regulatory or other advice relating to investment. Any material or information or other features, which may be provided to you through our Website, trading platforms, marketing or training events or otherwise, is generic and shall not be treated as advice appropriate for you or based on a consideration of your personal circumstances. You should seek independent professional advice from a suitably qualified advisor, if necessary, prior to engaging in investment.
      
7. PAST PERFORMANCE
   1. Past performance, simulation or prediction of any examples in the courses/ free articles does not constitute an indication of future results. You should note that the value of your investment can decrease (as well as increase) as the market price of the underlying asset may fluctuate downwards (or upwards).