Educational Purpose Statement

The content provided by PulseWave Union through pulsewaveunion.com is strictly for educational and informational purposes. Our materials on liquidity and solvency analysis are designed to help you understand financial concepts—not to replace professional financial advice or formal certification programs.

You should know that learning financial analysis skills doesn't guarantee employment, specific income levels, or career advancement. The market for financial professionals varies widely depending on location, economic conditions, and individual circumstances. We can't predict your personal outcomes based on what you learn here.

No Professional Advice

Nothing on this website constitutes professional financial, legal, tax, or investment advice. Our educational content about liquidity and solvency analysis shouldn't be used as the sole basis for making business or investment decisions.

Before making any financial decisions or implementing analysis techniques you learn through our materials, consult with qualified professionals who understand your specific situation. Financial regulations in Vietnam and internationally change frequently—what's current today might not apply tomorrow.

Information Accuracy and Currency

We try to keep our educational materials accurate and up-to-date as of 2025. But financial markets, regulations, and best practices change constantly. Some information may become outdated between updates, and we can't guarantee that every detail remains current at the time you access it.

We provide content "as is" without warranties of any kind. While we work to maintain quality educational materials, we don't warrant that our content is error-free, complete, or suitable for your particular needs.

Limitation of Liability

PulseWave Union and its team members aren't liable for any decisions you make based on information from our educational materials. This includes but isn't limited to:

• Financial losses resulting from applying analysis techniques learned through our content
• Career decisions made based on skills or knowledge gained from our materials
• Business decisions influenced by concepts presented in our educational programs
• Misunderstandings or misapplications of financial analysis methodologies
• Consequences of using outdated information that was previously accurate

You're responsible for verifying any information before acting on it. Different financial situations require different approaches, and what works in one context might not work in yours.

External Links and Third-Party Content

Our website occasionally references external resources or third-party content for educational purposes. We don't control these external sites and aren't responsible for their content, accuracy, or practices. Including a link doesn't mean we endorse the linked site or its operators.

When you click external links, you leave our site and should review the privacy policies and terms of whatever site you visit next.

No Guaranteed Outcomes

Learning financial analysis skills is valuable, but we can't promise specific results. Your success depends on many factors beyond our control—including your background, effort, market conditions, and how you apply what you learn.

We don't guarantee employment, income levels, job placement rates, or career advancement. The financial services industry in Vietnam and globally has its own hiring practices and requirements that we don't control. Some positions may require additional certifications, degrees, or experience beyond what our educational content provides.

Vietnam Market Context

While PulseWave Union operates in Vietnam, our educational content covers financial analysis principles that apply internationally. Specific regulations, practices, and market conditions in Vietnam may differ from other regions. You're responsible for understanding which regulations apply to your situation.

Our Ho Chi Minh City location at 450/1 Lê Văn Sỹ, phường 14, Quận 3 serves as our base, but the concepts we teach aren't limited to Vietnamese markets. Always consider local regulations and practices when applying financial analysis techniques.

Changes to This Disclaimer

We may update this disclaimer periodically to reflect changes in our practices or legal requirements. The "Last Updated" date at the top shows when we most recently revised this document. Continuing to use our website after changes means you accept the updated terms.

Check this page occasionally if you want to stay informed about how we handle disclaimers and limitations of liability.