Full Disclaimer — FluentInQuality
Last updated: May 2026
1. Nature of Content
All content published by FluentInQuality, authored by Yorrin van der Graaf, is provided strictly for informational and educational purposes. Nothing contained herein constitutes, or should be construed as, investment advice, financial advice, legal advice, tax advice, trading advice, or any other form of professional advice. No content on this platform, in any associated Substack publication, or on any affiliated social media channel (including but not limited to X/Twitter, LinkedIn, or any successor platform) constitutes a recommendation, endorsement, or solicitation to acquire or dispose of any security, financial instrument, or asset of any kind. This disclaimer applies regardless of whether content is accessed directly or via third-party aggregation, syndication, redistribution, or algorithmic delivery.
2. No Guarantee of Accuracy or Completeness
FluentInQuality makes no representation, warranty, or guarantee — express or implied — as to the accuracy, completeness, reliability, currentness, suitability, or fitness for any particular purpose of any information published. All content reflects the author’s personal opinions at the time of writing and is subject to change without notice. Opinions expressed do not necessarily reflect the views of any third party. Readers are solely responsible for independently verifying all information before relying on it. FluentInQuality has no obligation to correct, update, or retract any content following publication, regardless of changed circumstances, new information, or errors identified after publication.
3. Not a Registered Financial Professional
FluentInQuality is a financial publisher only. Yorrin van der Graaf is not a registered investment advisor, broker-dealer, financial intermediary, fiduciary, underwriter, or licensed financial planner in any jurisdiction, including but not limited to the Netherlands, the European Union, the United States, the United Kingdom, or any other country. No content published by FluentInQuality creates or implies any advisory, fiduciary, or professional relationship between the author and the reader. No duty of care is owed to any reader, subscriber, or follower, whether under Dutch law, EU law, or the law of any other jurisdiction.
4. No Offer or Solicitation
Nothing published by FluentInQuality constitutes an offer, invitation, inducement, or solicitation to buy or sell any securities or financial instruments in any jurisdiction. Any mention of a specific security, asset, or financial instrument is strictly illustrative and for educational context only. Such mentions must not be construed as a personal recommendation or an indication that any security is suitable for any particular individual or any particular investment objective, financial situation, or need.
5. Jurisdiction, Governing Law, and Dispute Resolution
This disclaimer and all content published by FluentInQuality are governed by and construed in accordance with the laws of the Netherlands, without regard to conflict of law principles. Any dispute, claim, or controversy arising out of or relating to this disclaimer or any FluentInQuality content shall be subject to the exclusive jurisdiction of the competent courts of Amsterdam, the Netherlands. By accessing any FluentInQuality content — regardless of the country, platform, or device from which it is accessed — readers irrevocably submit to this jurisdiction and waive any objection to proceedings in these courts on grounds of venue, inconvenience, or applicable law.
Nothing in this disclaimer limits or excludes any mandatory consumer protection rights or statutory remedies to which a reader may be entitled under the mandatory laws of their country of residence that cannot be contractually excluded. However, to the maximum extent permitted by applicable mandatory law, the governing law and jurisdiction provisions above shall apply.
6. International Access and Legal Compliance by Jurisdiction
This content is not directed at, and should not be accessed by, persons in any jurisdiction where the publication, distribution, or availability of such content would be contrary to applicable law or regulation, including but not limited to persons subject to the securities laws of the United States (including U.S. Persons as defined under applicable U.S. securities regulations), the United Kingdom Financial Conduct Authority’s regulations, the Australian Securities and Investments Commission’s regulations, or any other regulatory authority with jurisdiction over investment communications.
Readers in the United States are specifically informed that FluentInQuality is not registered with the U.S. Securities and Exchange Commission, does not operate as a registered investment adviser under the Investment Advisers Act of 1940, and does not hold any license under applicable U.S. state securities laws. Nothing published is intended to constitute investment advice under U.S. law.
It is the reader’s sole responsibility to ensure that their access to and use of this content complies with all laws and regulations applicable in their jurisdiction, including any future regulatory changes. No published content accounts for or guarantees compliance with regulations that did not exist at the time of publication. Accessing FluentInQuality content from a restricted jurisdiction constitutes a breach of this disclaimer solely attributable to the reader.
7. Forward-Looking Statements
Certain content may include forward-looking statements, projections, estimates, or opinions about the future performance of securities, companies, or markets. Such statements are inherently speculative, based on assumptions that may prove incorrect, and subject to known and unknown risks, uncertainties, and other factors that may cause actual outcomes to differ materially from those expressed or implied. No forward-looking statement should be relied upon as a prediction of future results. FluentInQuality has no obligation to update, revise, correct, monitor, or follow up on any forward-looking statements, opinions, or analysis after publication, regardless of new information, future events, changed circumstances, or material changes in the author’s own views.
8. Conflicts of Interest and Position Disclosure
Yorrin van der Graaf, FluentInQuality, and any associated parties may, at any time, hold long or short positions in securities mentioned in published content, and may have existing or anticipated commercial, financial, or personal relationships with companies discussed. Such positions and relationships may be initiated, increased, decreased, or closed at any time without notice and without any obligation to disclose changes in real time. The existence of any such position or relationship constitutes a potential conflict of interest. Readers must independently factor this into their assessment of any published analysis and should not assume that any analysis is free from bias arising from such positions or relationships.
9. No Reliance
Readers expressly acknowledge that they have not relied, and will not rely, on any FluentInQuality content as the basis for any investment decision, financial action, or other decision of consequence. Any investment decision made by a reader is made solely on the basis of that reader’s own independent research, judgment, and consultation with appropriately licensed and regulated professionals in the reader’s jurisdiction. FluentInQuality accepts no responsibility for any decision made in whole or in part on the basis of content published, regardless of how that content was accessed, delivered, or interpreted.
10. Limitation of Liability
To the fullest extent permitted by applicable mandatory law, FluentInQuality, Yorrin van der Graaf, and any affiliated persons or entities expressly disclaim all liability — whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise — for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with: (i) access to or use of any FluentInQuality content; (ii) reliance on any information, opinion, or analysis published; (iii) any investment decision made in whole or in part based on content published; (iv) inability to access FluentInQuality content for any reason; or (v) errors, inaccuracies, or omissions in any content, including those introduced through the use of AI-assisted tools.
This limitation applies regardless of whether such damages were foreseeable or whether FluentInQuality was advised of the possibility of such damages, and regardless of the jurisdiction from which the claim arises.
11. Indemnification
To the fullest extent permitted by applicable mandatory law, you agree to indemnify, defend, and hold harmless FluentInQuality, Yorrin van der Graaf, and any affiliated persons or entities from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to: (i) your access to or use of any FluentInQuality content; (ii) any investment decision or financial action you take following exposure to FluentInQuality content; (iii) your violation of this disclaimer; (iv) your access to FluentInQuality content from a jurisdiction in which such access is prohibited or restricted; or (v) any claim brought by you or on your behalf that is dismissed or decided in favor of FluentInQuality.
12. Limitation Period
Any claim arising out of or in connection with FluentInQuality content must be brought within twelve (12) months of the date on which the relevant content was first published, or the date on which the claimant first accessed the content, whichever is earlier. Any claim not brought within this period is irrevocably waived and time-barred to the maximum extent permitted by applicable law.
13. No Warranties
All content is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or freedom from error. FluentInQuality does not warrant that published content is free from factual inaccuracies, typographical errors, or omissions, and assumes no obligation to correct or update any content following publication.
14. AI-Assisted Content
Certain content published by FluentInQuality may be produced with the assistance of artificial intelligence tools, including large language models. While the author reviews and takes editorial responsibility for all published content, AI-assisted analysis and drafting may contain errors, hallucinations, outdated information, misattributions, or undetected inaccuracies that are not always identifiable through editorial review. FluentInQuality expressly disclaims any liability arising from errors or omissions introduced through the use of AI tools at any stage of the research or content creation process. Readers should apply heightened independent scrutiny to all quantitative claims, data references, statistical figures, and analytical conclusions, and should independently verify all figures against primary sources before relying on them.
15. Third-Party Information
Where content references data, research, analysis, or statements originating from third parties, FluentInQuality does not independently verify such information and accepts no responsibility for its accuracy, completeness, or reliability. Reference to any third-party source does not constitute an endorsement of that source or its content, and does not imply that such source has reviewed or approved any FluentInQuality content.
16. Platform Dependency
FluentInQuality publishes content across third-party platforms including Substack and X/Twitter, which are operated independently and outside the author’s control. FluentInQuality accepts no liability for content that is altered, removed, delayed, inaccessible, censored, or misrepresented due to platform behavior, technical failures, algorithmic changes, platform policy changes, or any other third-party interference. Readers should not assume that content available on third-party platforms is complete, current, unmodified, or representative of the author’s full and unedited views.
17. Intellectual Property
All content published by FluentInQuality, including but not limited to written analysis, opinions, models, frameworks, and original research, is the intellectual property of Yorrin van der Graaf and is protected by applicable copyright law, including the Auteurswet (Dutch Copyright Act) and, where applicable, international copyright treaties. No content may be reproduced, redistributed, republished, scraped, translated, adapted, summarized for commercial purposes, or used to train artificial intelligence systems without express prior written permission. Nothing in this disclaimer grants any license, express or implied, to use any FluentInQuality content beyond personal, non-commercial reading. Unauthorized use may result in legal action.
18. Investment Risk Acknowledgment
Investing in securities, financial instruments, and markets involves substantial risk, including the risk of total and permanent loss of capital. Past performance of any security, strategy, or market is not indicative of, and provides no guarantee of, future results. The value of investments may fall as well as rise, and investors may not recover the amount originally invested. Readers must independently assess their own financial circumstances, risk tolerance, investment objectives, time horizon, and applicable tax position before making any investment decision. FluentInQuality bears no responsibility whatsoever for investment losses, missed opportunities, opportunity costs, or any other financial outcome resulting from engagement with its content.
19. Eligible Readers
This content is intended solely for adults who are legally capable of making their own financial decisions under the laws of their applicable jurisdiction. By accessing any FluentInQuality content, you confirm that you are of legal age and legal capacity to enter into binding agreements and to make independent financial decisions in your jurisdiction. FluentInQuality expressly excludes any duty of care toward minors or persons who lack legal capacity to make financial decisions. This content is further intended solely for non-professional, self-directed individual investors reading for informational purposes; it is not directed at institutional investors, professional clients, or eligible counterparties as defined under applicable financial regulation.
20. Reader Agreement and Consent
By accessing any FluentInQuality content — including but not limited to Substack publications, social media posts, threads, replies, newsletters, or any associated media, regardless of the platform, device, or means of access — you unconditionally acknowledge and agree that: (i) you have read and understood this disclaimer in full; (ii) you assume sole and complete responsibility for any financial decisions or actions taken; (iii) you have not relied and will not rely on any FluentInQuality content as the basis for any financial decision; (iv) FluentInQuality and its author bear no liability of any kind for any outcome arising from your engagement with the content; (v) you are accessing this content from a jurisdiction in which doing so is lawful; and (vi) this disclaimer constitutes a binding agreement between you and FluentInQuality to the maximum extent permitted by applicable mandatory law. If you do not agree with any part of this disclaimer, you must immediately cease accessing all FluentInQuality content.
21. Severability
If any provision of this disclaimer is found to be invalid, unlawful, or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, without affecting the validity and enforceability of the remaining provisions.
22. Entire Agreement
This disclaimer, as amended from time to time, constitutes the entire agreement between you and FluentInQuality with respect to your access to and use of FluentInQuality content, and supersedes all prior versions, representations, and understandings, whether written or oral.
This disclaimer applies to all content published by FluentInQuality across all platforms and channels. FluentInQuality reserves the right to amend this disclaimer at any time without prior notice. Continued access to FluentInQuality content following any amendment constitutes acceptance of the revised terms.