Disclaimer for Lapampamanagua Finance Academy.

1. Educational nature of the academy

Lapampamanagua Finance Academy is an educational initiative. Our purpose is to help entrepreneurs, executives and leadership teams in Italy read and discuss financial information in a more confident and structured way.

Any explanations, examples, checklists or tools we provide are intended to support learning. They do not independently determine what is right or wrong for your company, and they do not replace your own judgement or the advice of regulated professionals.

2. No financial, investment, tax or legal advice

Nothing on this Website, in our emails, in our workshop materials or in our conversations with you should be interpreted as:

• personalised financial or investment advice;
• a recommendation to buy, sell or hold any financial asset or instrument;
• tax advice tailored to your individual or corporate situation; or
• legal advice on contracts, regulatory obligations or disputes.

Decisions about financing, investments, taxation or legal strategy should always be taken in discussion with qualified, independent professionals who can review your full circumstances and applicable rules.

3. No guarantee of results or performance

Our case stories, examples and learning tracks often refer to improvements in clarity, communication or financial outcomes. These examples illustrate what has been possible in specific situations; they are not promises that the same will happen in your company.

Many factors influence results, including but not limited to market conditions, your internal decisions, operational execution, external shocks and regulatory changes. We cannot and do not guarantee any particular level of revenue, profit, cost reduction or other measurable outcome.

4. Responsibility for your decisions

You remain fully responsible for any decisions you make before, during or after engaging with Lapampamanagua Finance Academy. This includes:

• how you interpret financial statements and internal reports;
• which actions you take in response to patterns highlighted in our sessions;
• how you choose to finance, grow, restructure or wind down your operations;
• with whom you choose to work as external advisors or partners.

The academy can help you ask better questions and structure internal discussions, but it cannot remove uncertainty or transfer responsibility for your choices.

5. Information accuracy and timeliness

We make reasonable efforts to ensure that the information we publish on the Website is accurate and up to date. However, finance, taxation and regulation can change quickly, and certain examples may become less relevant over time.

We do not guarantee that all information on the Website is complete, up to date or free from errors. You should always cross-check important points with current primary sources and with professional advisers before relying on them for decisions.

6. Third-party tools, links and examples

From time to time, we may refer to external tools, software, methodologies or websites that can support financial analysis or internal collaboration. These references are for illustration and convenience only.

We do not control third-party websites or services and cannot assume responsibility for their content, availability, pricing, security or compliance with applicable laws. Your use of any third-party resource is entirely at your own risk and subject to that third party’s terms and policies.

7. Forward-looking statements and scenarios

Some learning materials and conversations may involve forward-looking scenarios – for example, what might happen if certain trends continue, if margins change or if a financing decision is delayed.

These scenarios are illustrative only. They are not predictions, and they are not promises that any particular event will occur. Actual results can differ significantly from illustrative scenarios due to known and unknown risks and uncertainties.

8. Limitation of liability (summary)

To the extent permitted by applicable law, Lapampamanagua Finance Academy and its collaborators shall not be liable for any direct or indirect loss arising out of or in connection with:

• your reliance on information presented on the Website or in our materials;
• your interpretation or use of examples, tools or frameworks provided by us;
• any decision you make relating to investments, financing, taxation, staffing or operations;
• interruption, delay or technical issues affecting access to the Website.

A more detailed description of our limitation of liability and applicable law is set out in our Terms of Use.

9. Local laws and regulatory context

Lapampamanagua Finance Academy primarily targets organisations in Italy. References to regulations, reporting frameworks or business practices may therefore reflect the Italian or European context.

If you operate in other countries, you are responsible for verifying how local laws and regulations apply to your situation and for obtaining appropriate advice where necessary.

10. Changes to this Disclaimer

We may update this Disclaimer from time to time to reflect changes in our activities, legal requirements or best practices in communicating risk and responsibility.

The latest version will always be available on this page. We encourage you to review it periodically, especially before relying on our materials for significant decisions.

Last updated: 2025

11. Questions about this Disclaimer

If any part of this Disclaimer is unclear or you would like to understand how it applies to your organisation, you can contact Lapampamanagua Finance Academy at:

• Address: Via Antonio Bertoloni, 1, 00197 Roma RM, Italy
• Phone: +39 02 7711 2900
• Email: Lapampamanagua@gmail.com

We will do our best to respond with clarifications about how we see our role and the limits of the academy.