Financial Disclaimer and Risk Disclosure
Last updated: 2026-09-03
This Financial Disclaimer and Risk Disclosure sets out the conditions and limitations governing all calculators, projections, simulations, and educational materials available on MiMiPatrimonio360, operated by Deibi Leandro Cortes Castro. By using the service, you expressly accept these provisions.
1. Exclusively educational and informational purpose
MiPatrimonio360 is an informational technological tool designed for personal planning and financial literacy. All metrics, projections, and dashboards provided on this platform are for general informational and illustrative purposes only.
Nothing on MiPatrimonio360 constitutes, or should be construed as, professional financial advice, investment recommendations, tax guidance, accounting opinions, or legal counsel.
2. No regulatory financial supervision
MiPatrimonio360 and its operator are NOT registered investment advisors, broker-dealers, financial institutions, or wealth management firms supervised by the Colombian SFC, the US SEC, the Spanish CNMV, the Brazilian CVM, or any financial authority.
We do not solicit investments, accept deposits, hold custody over client funds, or execute market orders.
3. Hypothetical nature of mathematical projections
Retirement calculators (including the 4% safe withdrawal rule, Monte Carlo simulations, compound interest forecasts, and inflation projections) are mathematical models based on historical datasets, theoretical assumptions, and user-provided inputs.
These models are statistical approximations and do NOT constitute promises, guarantees, or definitive predictions of future real-world outcomes.
Market volatility, unforeseen inflation spikes, taxation changes, and macroeconomic events can lead to outcomes materially different from simulated figures.
4. Inherent investment risks
All investments in capital markets (equities, index funds, ETFs, bonds, real estate, and digital assets) carry substantial risks, including the risk of losing part or all of your invested principal.
Past performance is no guarantee of future returns. Market downturns and economic recessions can erode capital unexpectedly.
5. User sole responsibility
You are solely and personally responsible for evaluating your risk tolerance, financial capacity, and investment horizon before making any financial commitment.
The Seller disclaims all liability for any direct, indirect, or consequential losses, tax penalties, or investment damage resulting from reliance on platform simulations or information.
6. Imperative recommendation of certified advice
Before executing significant investment, retirement, debt, or tax decisions, you are strongly urged to consult qualified, registered financial planners, certified public accountants, and legal attorneys licensed in your jurisdiction.