Financial Disclaimer

1. Public content and individual circumstances

Public content is prepared for a broad audience and does not take account of a particular person’s objectives, financial position, knowledge, experience, family circumstances, liquidity needs, tax status, risk capacity, or legal jurisdiction.

A statement that an asset, strategy, market, or planning approach may be suitable in certain circumstances is not a recommendation that it is suitable for you.

2. When a professional relationship begins

Using the website, creating an account, reading content, completing a form, downloading a resource, joining a course, subscribing to a newsletter, or attending an introductory call may begin an enquiry, consultation, or onboarding process. The existence and scope of any adviser-client, fiduciary, portfolio-management, brokerage, custody, legal, tax, or other professional relationship depend on the service selected and the applicable engagement documentation.

Where professional or advisory services are provided, the relevant engagement documentation identifies the contracting entity, service scope, fees, responsibilities, limitations, suitability or eligibility requirements, and applicable jurisdiction.

3. Offers, transactions, execution, and custody

Unless a separate written and legally permitted service expressly states otherwise, website content is not an offer to sell, a solicitation to buy, an invitation to subscribe for a security, or an instruction to enter into a transaction.

Unless expressly included in the applicable engagement or product documentation, the public website itself is not the mechanism used to execute trades, receive investment orders, hold client money or assets, provide brokerage or custody, operate an investment fund, issue securities, or guarantee access to a financial product.

4. Investment and financial risk

Investing, property ownership, business activity, borrowing, currency exposure, and financial planning involve risk. Values and income can rise or fall. You may lose some or all of the capital committed, experience delays or illiquidity, incur taxes or costs, or receive a result materially different from an illustration.

• Market prices may be volatile and may respond to economic, political, regulatory, currency, interest-rate, and company-specific events.
• Diversification and asset allocation can reduce some risks but cannot remove the possibility of loss.
• Property and private investments may be difficult to value or sell and may involve legal, maintenance, financing, tenant, development, or concentration risk.
• Borrowing or leverage can increase both gains and losses and may create repayment obligations even when an investment falls in value.
• Tax and legal consequences differ by person and jurisdiction and may change over time.

5. Past performance and historical information

Past performance is not a reliable indicator or guarantee of future results. Historical returns, market cycles, case studies, testimonials, and examples may not reflect current conditions, fees, taxes, transaction costs, currency effects, liquidity, or the experience of another person.

Where historical data is used, it may come from third-party sources and may later be revised.

6. Forecasts, scenarios, estimates, and illustrations

Forecasts, expected returns, price targets, projections, model outputs, simulations, scenarios, and planning illustrations are inherently uncertain. They depend on assumptions that may prove incomplete or incorrect and should not be treated as promises.

Any example described as possible, expected, target, projected, estimated, or illustrative remains subject to risk and does not guarantee that the result will occur.

7. Accuracy, completeness, and timing

Dar Al Tharwah uses reasonable care when preparing content but does not promise that every item will always be complete, current, error-free, or suitable for a particular decision. Markets, laws, regulations, prices, products, and third-party information can change without notice.

Publication dates and update dates should be considered when relying on time-sensitive information.

8. Third-party information and links

The website may refer to public companies, funds, securities, regulators, research providers, news sources, property markets, or third-party websites. A reference does not mean that Dar Al Tharwah endorses, distributes, represents, or is affiliated with the referenced party.

Third-party content is controlled by its provider and should be independently checked before it is used for a decision.

9. Authors, opinions, and conflicts

Content may reflect the research, judgment, or opinion of its identified author, including founder Mohammad Hossein Soleimani (MHS), at the date of publication. Opinions may change as information changes.

Where Dar Al Tharwah, an author, or an associated person has a material commercial relationship, sponsorship, referral arrangement, or other conflict connected with specific content, it should be disclosed clearly and close to the relevant material.

10. Your responsibility

You remain responsible for deciding whether to act on information. Before making a material financial, investment, property, tax, legal, or business decision, consider obtaining independent advice from appropriately qualified professionals who can assess your circumstances and jurisdiction.

Do not invest money you cannot afford to lose or commit funds needed for essential expenses or near-term obligations without considering the risks.

11. Jurisdiction and availability

Content may be accessible internationally, but access does not mean that a service, investment, or professional engagement is available or lawful in every country. Local restrictions, licensing requirements, investor classifications, and consumer-protection rules may apply.

12. Changes and contact

This Disclaimer may be updated when the website, services, content types, or applicable requirements change. The effective date will be revised.

Questions about this Disclaimer or a specific statement may be submitted through the contact and consultation page.