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Warranties & Disclaimers

All information offered on this website is for guidance and informational purposes only and should not be considered specific advice. This website and information are not intended to provide investment, tax, or legal advice. Every situation is unique. You should speak with your adviser prior to making any investment decisions. Insurance products and services are offered through individually licensed and appointed insurance agents in appropriate jurisdictions.

Intellectual Business Solution's web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of this web site on the internet should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

The information contained herein has been compiled from sources deemed reliable and it is accurate to the best of our knowledge and belief. However, Intellectual Business Solutions cannot guarantee its accuracy, completeness, and validity and cannot be held liable for any errors or omissions. Changes are periodically made to this web site and may be made at any time.

All information contained herein should be independently verified and confirmed. Intellectual Business Solutions does not accept any liability for any loss or damage whatsoever caused in reliance upon such information.

Again, readers are advised that the material contained herein should be used solely for informational purposes.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by Intellectual Business Solutions made reference to directly or indirectly by Intellectual Business Solutions in its web site, or indirectly via a link to an unaffiliated third party web site will be profitable or equal the corresponding indicated performance level(s). Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the payment of which would have the effect of decreasing historical performance results.

As stated above, different types of investments involve varying degrees of risk, and therefore there can be no assurance that the future performance of any specific investment or investment strategy will be profitable. Certain portions of Intellectual Business Solution's website (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, various positions and/or recommendations made by Intellectual Business Solutions and/or those of other investment and non-investment professionals as of a specific date. Due to various factors, including changing market conditions, such discussions and/or positions may no longer be reflective of current position(s) and/ or recommendation(s). Moreover, no client or prospective client should assume that any such discussion or information presented serves as the receipt of, or a substitute for, personalized advice from Intellectual Business Solutions or from any other investment professional. Intellectual Business Solutions is not a law firm or accounting firm, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Intellectual Business Solutions throughout this website has provided links to various other websites. While we believe this information to be current and valuable to its clients, we provide these links on a strictly informational basis only and cannot be held liable for the accuracy, time sensitive nature, or viability of any information shown on these sites.