Disclaimer

1. General Disclaimer

The information contained on the StanbinOnline website (the "Service") is for general information purposes only. StanbinOnline assumes no responsibility for errors or omissions in the contents of the Service.

In no event shall StanbinOnline be liable for any special, direct, indirect, consequential, or incidental damages or any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in connection with the use of the Service or the contents of the Service. StanbinOnline reserves the right to make additions, deletions, or modifications to the contents on the Service at any time without prior notice.

StanbinOnline does not warrant that the website is free of viruses or other harmful components. We cannot guarantee the ongoing availability or accessibility of our Service and reserve the right to modify, suspend, or discontinue any part of the Service without notice.

2. Financial Advice Disclaimer

The financial information provided on our website is for general informational and educational purposes only and is not intended to be a substitute for professional financial advice. Before making any financial decisions or implementing any financial strategy discussed on our website, we recommend that you obtain advice from a qualified financial advisor who is familiar with your individual financial circumstances.

2.1 Not Personalized Advice

The content on our website:

• Is not personalized to your specific financial situation
• Does not take into account your personal financial objectives, needs, or circumstances
• Should not be construed as financial, tax, investment, legal, or other professional advice
• Is not an offer to buy or sell any financial product or service

2.2 Investment Risks

All investments involve risk and may result in financial loss. Past performance is not indicative of future results. The value of investments and the income derived from them can go down as well as up. It is your responsibility to evaluate the accuracy, completeness, and usefulness of any opinions, advice, services, or other information provided.

3. Third-Party Content

Our website may contain links to third-party websites, articles, or content that are not owned or controlled by StanbinOnline. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

3.1 External Links

StanbinOnline does not control and is not responsible for the availability or content of any linked third-party websites. The inclusion of any link does not imply endorsement by StanbinOnline of the site. Use of any such linked website is at the user's own risk.

3.2 User-Generated Content

Our Service may include content provided by users, including comments and forum posts. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit through our Service.

4. Website Availability

While we strive to keep our website running smoothly, StanbinOnline takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

4.1 Service Interruptions

Our website may experience interruptions, delays, or errors. We do not guarantee that the Service will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Service, resulting in interruptions, delays, or errors.

We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Service at any time without notice. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Service during any downtime or discontinuance of the Service.

4.2 Security

We implement reasonable security measures to protect your personal information. However, we cannot guarantee that our website and servers are free of viruses or other harmful components. We recommend that you use industry-recognized software to detect and disinfect viruses from any download.

5. Liability Limitations

To the maximum extent permitted by applicable law, in no event shall StanbinOnline, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Service;
• Any conduct or content of any third party on the Service;
• Any content obtained from the Service; and
• Unauthorized access, use, or alteration of your transmissions or content;
• Any financial decisions made based on information provided on our website;
• Any errors or omissions in the content of our website.

5.1 Indemnification

You agree to defend, indemnify, and hold harmless StanbinOnline, its directors, employees, partners, agents, suppliers, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.

5.2 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain types of damages. Therefore, some of the above limitations may not apply to you. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

6. Accuracy of Information

The material on StanbinOnline's website is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information.

6.1 Content Accuracy

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on our website for any purpose.

Any reliance you place on such information is therefore strictly at your own risk. We may make changes to the material on our website at any time without notice. However, we make no commitment to update the material.

6.2 Information Updates

Financial regulations, tax laws, and business practices change frequently. Information that was accurate when published may quickly become outdated. We make efforts to keep our content current, but you should verify any information before relying on it.

7. Professional Advice Notice

The contents of the StanbinOnline website do not constitute professional advice. Specific advice should be sought from a qualified professional relevant to your particular circumstances.

7.1 Consultation Recommendation

Before making any financial, legal, tax, or business decisions based on the content of our website, we strongly recommend that you seek advice from qualified professionals who are familiar with your individual circumstances, including:

• Certified Public Accountants (CPAs)
• Tax Attorneys
• Financial Advisors
• Business Consultants
• Legal Counsel

7.2 Educational Purpose

Our content is primarily provided for educational and informational purposes. It is designed to help you understand financial concepts and options, but it is not a replacement for personalized professional advice tailored to your specific situation.

8. Updates to Disclaimer

We may update this Disclaimer from time to time. We will notify you of any changes by posting the new Disclaimer on this page and updating the "Last Updated" date at the top of this Disclaimer.

You are advised to review this Disclaimer periodically for any changes. Changes to this Disclaimer are effective when they are posted on this page. Your continued use of our website after we post any modifications to the Disclaimer will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Disclaimer.

8.1 Notification of Changes

For significant changes to this Disclaimer, we will make reasonable efforts to provide notice, such as:

• A prominent notice on our website
• An email notification to registered users (if applicable)
• A temporary pop-up or banner on our website

However, it is your responsibility to check this page periodically for updates.

9. Contact Us

If you have any questions about this Disclaimer, please contact us:

We will respond to your inquiry as soon as possible, typically within 2-3 business days.