Who We Are: Personal Finance Sweden AB is an educational platform designed to empower you with knowledge. We teach you how the system works so you can make your own decisions. We do not manage money, and we do not provide personalized investment advice or legal advice.

Your Responsibility: All investments carry risk. Past performance does not guarantee future results. When you apply the knowledge gained from our sessions, you accept full responsibility for the outcomes. We are here to guide your learning, not to direct your trades.

Booking Policy:

• Commitment: Your booking is confirmed once payment is made.

• Scope of Service: If we feel we cannot help you (for example, if you need legal tax filing instead of education), we reserve the right to cancel the session and refund you immediately.

• Life Happens (Rescheduling): You can move your booking freely up to 48 hours before we meet.

• Late Cancellations: Because we reserve this time specifically for you, we cannot offer refunds or rescheduling for changes made less than 48 hours in advance or for no-shows.