Important information about the limitations of our content and services.

1. Educational and informational purposes only

The content on Apollos-perspective.com, in our emails, in our workshops and in all materials provided by Apollos-perspective Finance Academy is intended strictly for educational and informational purposes.

• It is designed to help entrepreneurs and managers better understand financial analysis in the context of running a business.
• It is not a recommendation to buy, sell or hold any financial instrument or to pursue any particular financing strategy.
• It does not replace advice from qualified professionals who know your specific circumstances.

2. No investment, tax, accounting or legal advisory relationship

Using this website or participating in Apollos-perspective Finance Academy programs does not create any investment, tax, accounting or legal advisory relationship between you and Apollos-perspective Finance Academy or its team members.

While our examples and discussions may touch on topics such as cash flow, margins, financing or risk, they are always presented in a general, educational way. They are not tailored to your individual situation, and you should not treat them as a substitute for personalised professional advice.

3. No guarantee of outcomes or business results

We aim to provide clear, practical and honest education about financial analysis. However, we cannot guarantee any specific results, such as:

• Increased revenue, profit or cash reserves.
• Improved valuation, investor interest or bank approval.
• Prevention of losses, financial difficulties or failure.

Every business is unique. Outcomes depend on a wide range of factors, including your own decisions, your team, your market, your customers and broader economic conditions. Apollos-perspective Finance Academy cannot control these factors and therefore does not guarantee any particular performance.

4. Examples, scenarios and case studies

During our programs and on this website, we may present examples, scenarios, checklists or case studies based on real or hypothetical businesses. These are used to illustrate principles of financial analysis.

• Such examples are simplified and may not cover all relevant risks or details.
• Any resemblance to actual companies, situations or results may be coincidental or based on anonymised information.
• You should not assume that similar actions will lead to similar outcomes in your business.

Always adapt any framework or idea to your context, and where appropriate, discuss it with your accountant, financial advisor or legal counsel.

5. Your responsibility for decisions and actions

You remain solely responsible for any decisions or actions you take in your business after interacting with Apollos-perspective Finance Academy or using our materials.

This includes, without limitation, decisions related to:

• Investments, financing or capital allocation.
• Hiring, budgeting, cost-cutting or growth strategies.
• Pricing, payment terms, supplier negotiations or contracts.
• Tax planning, reporting and compliance.

We encourage you to view our content as a structured way to ask better questions and read your numbers more clearly, not as a direct instruction to act in a specific way.