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Important: read this disclaimer before using any Scale & Own content relating to investing, taxation, relocation, online business or financial results.
1. Nature of the content
Content published on Scale & Own about the stock market, shares, bonds, ETFs, dividends, REITs, BDCs, financial markets, tax residence, relocation, company structures and online activities is educational, informational and general in nature.
It presents concepts, methods, examples and sources. It is not prepared according to any particular reader’s personal circumstances, objectives, knowledge or risk tolerance.
[STATUS TO BE CONFIRMED BEFORE PUBLICATION] State here only the qualifications and professional registrations actually held by the publisher or public profile. Do not claim to be a financial adviser, lawyer, accountant or tax adviser without verifiable grounds.
2. No personalised advice
Scale & Own content does not constitute:
- a personalised recommendation concerning a financial instrument;
- a portfolio or asset-management service;
- an offer or solicitation to buy or sell securities;
- tax, legal or accounting advice adapted to an individual situation;
- a forecast or guarantee of performance;
- an instruction to dispense with analysis by a qualified professional.
General information may be unsuitable for a particular situation. Readers must carry out their own checks and consult a competent professional when a decision has financial, tax or legal consequences.
3. Investment risks
Every investment involves risk. Depending on the product, its value may fluctuate, liquidity may be limited and some or all of the capital may be lost. Past performance does not predict future performance.
Before investing, readers should in particular:
- understand how the product works, its fees, liquidity and risks;
- read its official documentation, including any key information document where one exists;
- consider their time horizon, financial circumstances and ability to bear a loss;
- check the provider’s status and authorisations in their country;
- seek personalised advice from a qualified professional where necessary.
4. Taxation and relocation
Information about tax residence, international agreements, foreign companies, changes of residence and taxation varies according to the country, date and individual circumstances.
It can become outdated quickly and, unless stated explicitly, does not take account of each reader’s nationality, family and economic ties, income type, applicable treaties or reporting obligations.
Before creating a structure, relocating or making a tax decision, readers must consult a competent professional in the relevant jurisdictions and check current official sources.
5. Cryptoassets and digital assets
If Scale & Own mentions cryptoassets, tokens, NFTs or decentralised-finance protocols, those references remain educational. They are not a recommendation to buy, sell or hold an asset.
These assets may be highly volatile, expose holders to technical, regulatory and liquidity risks, and result in a substantial or total loss. Their tax treatment depends on the jurisdiction and the holder’s circumstances.
6. Examples, results and testimonials
A numerical example, case study, historical result or testimonial does not guarantee that another user will achieve a comparable outcome.
Project outcomes depend in particular on the time committed, skills, capital, market, competition, costs, technical choices and execution. Scale & Own promises no particular income, return or professional result.
7. Content assisted by artificial intelligence
Artificial-intelligence tools may be used to assist certain research, translation, structuring or revision tasks. They can produce errors or incomplete information.
Using such a tool does not replace editorial verification. For any important decision, readers must consult the cited sources, check their date and obtain professional advice where necessary.
8. Tools, brokers and third-party services
Mentioning a tool, broker, hosting provider or platform does not guarantee its availability, security or suitability for every user. Its features, prices and terms may change.
Before using a financial service, readers must check that it is authorised to operate in their jurisdiction and consult the relevant official registers. Any commercial relationship is identified in accordance with the Affiliate disclosure.
9. Updating information
Markets, taxation, law and digital tools change. Scale & Own endeavours to show dates and correct errors brought to its attention, but it cannot guarantee an immediate update to every page.
Readers must check the version and date of a source before relying on it for a decision.
10. Legal limitations
Users remain responsible for their decisions and for how they use the information consulted. To the extent permitted by applicable law, the publisher is not responsible for losses resulting from a decision made solely on the basis of general content without appropriate checks.
This disclaimer does not exclude any warranty, liability or protection that cannot be excluded by law.