Important Disclaimers

Financial Advice Disclaimer

Important: All information, tools, and content provided on FalahFlow are for educational and informational purposes only. We do not provide:

• Personalized investment advice
• Stock recommendations or buy/sell signals
• Financial planning services
• Tax advice or consultation
• Insurance recommendations

Your Responsibility: You are solely responsible for your investment decisions. Always consult with qualified financial professionals before making any financial decisions.

Investment Risk Warnings

Risk Factors: You acknowledge and accept the following risks:

• Market Risk: Stock prices can fluctuate significantly and may result in losses
• Volatility Risk: Markets can be highly volatile, especially during economic uncertainty
• Liquidity Risk: Some investments may be difficult to sell quickly
• Currency Risk: Exchange rate fluctuations can affect investment returns
• Political Risk: Government policies and political events can impact markets
• Economic Risk: Economic downturns can lead to significant portfolio losses

Past Performance: Historical performance does not guarantee future results. You can lose some or all of your invested capital.

Data Accuracy and Reliability

Data Sources: Our market data comes from various sources including:

• Pakistan Stock Exchange (PSX) official feeds
• Third-party data providers
• Public financial statements and reports
• Market research and analysis

Data Limitations: You acknowledge that:

• Market data may be delayed by 15-20 minutes
• Information may contain errors or inaccuracies
• Technical issues may affect data availability
• Data should be verified from multiple sources
• We are not responsible for decisions based on our data

Tool and Calculator Disclaimers

Financial Calculators: Our calculators and tools are designed to provide estimates only:

• Results are estimates based on assumptions and current data
• Actual results may differ significantly from estimates
• Input values and assumptions should be reviewed regularly
• Tools do not account for all possible scenarios

Portfolio Tracking: Portfolio values and performance calculations are estimates and may not reflect actual trading costs, taxes, or other expenses.

Shariah Compliance Disclaimer

Important: While we provide Shariah compliance indicators for stocks:

• Compliance status may change over time
• We are not Islamic scholars or religious authorities
• Users should consult with qualified Islamic scholars
• Compliance information is not guaranteed to be accurate
• Individual circumstances may affect Shariah compliance

Third-Party Content Disclaimer

External Links: Our platform may contain links to external websites, articles, or resources:

• We do not endorse or verify external content
• External sites may have different privacy policies
• We are not responsible for external content accuracy
• External links are provided for convenience only

User-Generated Content: Any content submitted by users represents their own views and not necessarily the views of FalahFlow.

Technical and Service Disclaimers

Service Availability: While we strive for high availability:

• Service may be interrupted for maintenance
• Technical issues may affect functionality
• We cannot guarantee 100% uptime
• Features may be modified or discontinued

Compatibility: Our platform works best with modern browsers. We are not responsible for compatibility issues with older browsers or devices.

Tax and Regulatory Disclaimers

Tax Implications: Investment decisions have tax consequences:

• We do not provide tax advice
• Tax laws vary by jurisdiction and change over time
• Consult qualified tax professionals for advice
• Tax implications may affect investment returns

Regulatory Compliance: Financial regulations vary by country and change over time. Users are responsible for understanding applicable regulations in their jurisdiction.

Limitation of Liability

Important: By using FalahFlow, you agree that:

• We are not liable for investment losses or decisions
• We are not liable for data inaccuracies or delays
• We are not liable for service interruptions
• Our total liability is limited as per our Terms of Service
• You use our services at your own risk

Professional Consultation Recommendation

Before making any financial decisions, consider consulting:

• Financial Advisors: For investment strategy and planning
• Tax Professionals: For tax implications and planning
• Legal Counsel: For legal and regulatory compliance
• Islamic Scholars: For Shariah compliance questions
• Accountants: For financial record keeping and reporting

Remember: The cost of professional advice is often much less than the cost of poor financial decisions.

Contact and Questions

If you have questions about these disclaimers or need clarification: