Disclaimer

Educational Content Only

All content, tools, habit trackers, guides, and resources provided by Hatung are for educational and informational purposes only. They are not intended as financial, legal, or professional advice and should not be relied upon for making financial decisions.

No Financial Advice

Hatung does not provide financial advice, financial coaching services, habit coaching, or personalized financial planning. We do not offer financial products or services of any kind. For specific financial advice regarding money management, always consult with qualified financial professionals.

Habit Formation Limitations

Our habit tracking tools and resources are educational aids designed to support learning about habit formation. We make no guarantees about:

• The effectiveness of habit tracking for any individual
• The time required to form new financial habits
• The financial outcomes resulting from habit changes
• The sustainability of habits formed using our tools
• Individual success rates or completion percentages

Individual Results Vary

Habit formation success depends on many personal factors including:

• Individual motivation and commitment levels
• Personal circumstances and life situations
• Existing financial knowledge and experience
• Consistency of application and practice
• External support systems and environment
• Mental health and personal well-being factors

No Guarantees or Warranties

We make no representations or warranties about the accuracy, completeness, or reliability of the information provided. Habit formation and financial management outcomes vary significantly based on individual circumstances, and we cannot guarantee any specific results.

Personal Responsibility

Users are solely responsible for:

• Their financial decisions and money management choices
• The consistency and application of habit tracking practices
• Seeking professional advice when needed
• Adapting our educational materials to their specific situations
• Monitoring their own progress and making necessary adjustments

Professional Consultation Recommended

Before making significant changes to your financial habits or management practices, we strongly recommend consulting with:

• Licensed financial advisors or planners
• Qualified accountants for tax implications
• Mental health professionals if struggling with money-related stress
• Certified financial coaches for personalized habit guidance

No Affiliation Disclaimer

Hatung is not affiliated with any banks, credit unions, financial institutions, habit coaching services, or financial planning companies unless explicitly stated. We do not receive compensation for recommending specific financial products or services.

Canadian Context

While our content focuses on Canadian financial contexts, financial practices, regulations, and optimal strategies vary by province, territory, and individual circumstances. Always verify information with local financial professionals and relevant regulatory bodies.

Mental Health Considerations

If you experience anxiety, stress, or other mental health challenges related to money management or habit formation, please seek support from qualified mental health professionals. Our educational tools are not substitutes for professional mental health care.

Use at Your Own Risk

Your use of our educational tools and information is at your own risk. We are not responsible for any financial decisions, habit formation outcomes, or personal results based on the information or tools provided on our website.

External Links and Resources

Our website may contain links to external educational resources and websites. We are not responsible for the content, accuracy, privacy practices, or availability of these external sites.

Updates and Changes

Information on our website may be updated or changed at any time without notice. Habit formation research and financial best practices evolve, so we recommend checking for the most current information regularly.

Emergency Financial Situations

If you are facing serious financial hardship, crisis, or emergency situations, seek immediate professional help from qualified financial counselors, legal professionals, or licensed financial advisors rather than relying solely on habit tracking tools.

Contact Us

If you have questions about this disclaimer or our educational services, please contact us through our contact form.