Investment Disclaimer

IAW provides financial education only. Nothing provided by IAW, through the Wealth Command Centre or any other medium, constitutes financial product advice, investment advice, securities advice, tax advice, legal advice, accounting advice, or any other form of professional advice regulated under the Corporations Act 2001 (Cth) or any other applicable law.

IAW does not hold an Australian Financial Services Licence (AFSL) and is not authorised to provide financial product advice. IAW's programs are educational in nature and are designed to improve your financial literacy and help you develop your own informed decision-making framework.

The distinction IAW draws, and which you must understand before engaging with any IAW content, is this:

"He who is looking for advice is looking for someone to blame. He who is looking for education is looking to take responsibility."

When you engage with IAW, you are seeking education and taking personal responsibility for your financial decisions. You are not seeking, and IAW is not providing, advice on which specific financial products, securities, or investments you should acquire, hold, or dispose of.

All content, frameworks, tools, and materials provided by IAW are general in nature. They do not take into account your individual financial situation, objectives, needs, tax circumstances, risk tolerance, or investment horizon. Before making any financial decision based on anything you have learned through IAW, you should:

• seek independent financial advice from a licensed financial adviser who is authorised under an AFSL;
• seek independent tax advice from a registered tax agent or accountant;
• seek independent legal advice where relevant; and
• conduct your own due diligence on any specific investment opportunity.

Any reference to past performance, historical returns, case studies, member results, or hypothetical examples in IAW's content is provided for illustrative and educational purposes only. Past performance is not a reliable indicator of future results. All investments carry risk, including the risk of loss of capital. The value of investments can go down as well as up.

IAW makes no representation, warranty, or guarantee that following any IAW framework, methodology, or educational content will result in any particular financial outcome, investment return, income level, or wealth creation result. Individual results will vary based on personal circumstances, market conditions, the quality of implementation, and many other factors outside IAW's control.

Any income or return figures referenced in IAW's marketing, content, or programs (including references to "$10,000 per month in passive income" or similar) are illustrative targets used for educational planning purposes only. They are not guarantees, promises, or representations of typical results.

All investing involves risk. You may lose some or all of the money you invest. The following risks, among others, are relevant to the types of investments discussed in IAW's educational content:

• Market risk — the value of investments may fall due to market movements;
• Liquidity risk — you may not be able to sell an investment when you want to;
• Credit risk — counterparties may default on their obligations;
• Concentration risk — holding a concentrated position in one asset class or sector increases exposure to adverse movements in that area;
• Leverage risk — using borrowed money to invest amplifies both gains and losses;
• Regulatory risk — changes in law or regulation may adversely affect investments; and
• Inflation risk — returns may not keep pace with inflation.

You should carefully consider these risks and your own financial circumstances before making any investment decision.

IAW's content may reference or include information from third-party sources, including market data, research, news, and the views of guest speakers or Preferred Partners. IAW does not endorse, verify, or take responsibility for the accuracy, completeness, or reliability of any third-party information. Any views expressed by third parties are their own and do not represent the views of IAW.

IAW's Preferred Partners are independent businesses and professionals. IAW does not endorse, recommend, or guarantee the products, services, or advice provided by any Preferred Partner. Any engagement with a Preferred Partner is a matter between you and that partner. IAW accepts no liability for any loss or damage arising from your engagement with a Preferred Partner.

IAW operates as a provider of financial education. IAW's programs are structured to fall within the general advice exemption and the educational content exemption under the Corporations Act 2001 (Cth). IAW does not provide personal financial product advice and does not recommend specific financial products.

If you believe you require personal financial product advice, you should engage a licensed financial adviser. You can find a licensed financial adviser through the Australian Securities and Investments Commission (ASIC) Financial Advisers Register at moneysmart.gov.au.

By accessing the Wealth Command Centre and engaging with any IAW program, you acknowledge and agree that:

• you have read and understood this Investment Disclaimer;
• you understand that IAW provides education, not financial advice;
• you accept full personal responsibility for all financial decisions you make;
• you will seek independent professional advice before making any significant financial decision; and
• you will not hold IAW, its directors, officers, employees, coaches, or agents liable for any financial loss or outcome arising from your use of IAW's educational content.

International Academy of Wealth Pty Ltd
Email: [email protected]
Website: www.theinternationalacademyofwealth.com