Legal Disclaimer
Important regulatory information
No Investment Advice
Calm Wealth Journal provides financial education and general information only. The application does not constitute investment advice, financial intermediation, or investment services.
It does not recommend specific investment products and does not take your individual circumstances into account.
Regulatory Compliance
1.1 MiFID II (EU)
Investment advice = a personalised recommendation for a specific product.
Prohibited: recommending ETFs/government bonds, narrowing down to specific products.
Permitted: general education, explaining concepts, financial principles.
1.2 Investment Advisers Act (USA)
You may not give advice on securities for a fee.
Required: a clear, prominently displayed "no advice" message throughout the product.
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