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Educational Disclaimer

General Information and Purpose

Harbour Crest is an educational brand currently operated by its founder and authorized representatives. References to "Harbour Crest," "we," "our," or "us" in this Disclaimer refer to the operator(s) of the Harbour Crest educational services.

This Educational Disclaimer applies to the Harbour Crest website, classroom sessions, online sessions, educational materials, printed manuals, digital resources, presentations, research discussions, and all other educational content made available by Harbour Crest.

By accessing the Harbour Crest website, enrolling in any program, attending classes, or using any educational material provided by Harbour Crest, you acknowledge that you have read, understood, and accepted this Disclaimer.

Educational Purpose Only

Harbour Crest is solely an educational institution dedicated to improving financial literacy and developing a deeper understanding of financial markets.

Our programs are designed to teach concepts such as:

  • Market Structure

  • Institutional Thinking

  • Risk Management

  • Market Psychology

  • Smart Money Concepts

  • Portfolio Thinking

  • Macroeconomic Awareness

  • Artificial Intelligence in Financial Research

  • Financial Market Research Methodologies

The purpose of Harbour Crest is to educate—not to advise or manage investments.

No Investment Advice

Harbour Crest does not provide:

  • Investment advice;

  • Financial advice;

  • Portfolio management services;

  • Stock recommendations;

  • Buy or sell recommendations;

  • Personalized trading strategies;

  • Financial planning services; or

  • Any regulated financial service requiring authorization under applicable law.

Nothing communicated by Harbour Crest should be interpreted as personalized advice or a recommendation to purchase, sell, or hold any financial instrument.

No Guarantee of Results

Financial markets are inherently uncertain and involve substantial risk.

Accordingly, Harbour Crest expressly disclaims any representation, warranty, or guarantee regarding:

  • Trading profits;

  • Investment returns;

  • Portfolio performance;

  • Income generation;

  • Financial success;

  • Trading consistency; or

  • Future market outcomes.

Any historical examples, market observations, classroom demonstrations, simulations, charts, research discussions, or educational illustrations are provided solely to explain concepts and should not be interpreted as predictions or guarantees of future performance.

Past performance is not indicative of future results.

Independent Decision-Making

Every student remains solely responsible for their own financial and investment decisions.

Participation in Harbour Crest programs should never replace independent research, professional financial advice where appropriate, or the student's own judgment.

Students are encouraged to carefully evaluate their financial circumstances and risk tolerance before making investment decisions.

No Fiduciary Relationship

Enrollment in a Harbour Crest program does not create:

  • a fiduciary relationship;

  • an investment advisory relationship;

  • a client-advisor relationship;

  • a portfolio management relationship; or

  • any other professional financial advisory relationship.

The relationship between Harbour Crest and its students is exclusively that of an educational institution and learner.

Educational Examples

Examples discussed during classes may include references to:

  • Stocks;

  • Indices;

  • Futures;

  • Options;

  • Commodities;

  • Currencies;

  • Exchange-Traded Funds (ETFs);

  • Historical market events; or

  • Other financial instruments.

Such references are used solely to illustrate educational concepts and should never be interpreted as recommendations or investment advice.

Market Risk

Trading and investing involve significant financial risk.

Students acknowledge that:

  • Capital may be partially or entirely lost.

  • Market conditions may change rapidly.

  • Past market behavior cannot reliably predict future market performance.

  • No educational institution can eliminate investment risk.

Every financial decision carries risk, regardless of educational background or experience.

Artificial Intelligence and Research Tools

Harbour Crest may introduce students to artificial intelligence platforms, research software, websites, analytical tools, or other technological resources.

These tools are presented solely to demonstrate methods of conducting financial research more efficiently.

Harbour Crest does not guarantee the accuracy, completeness, reliability, or suitability of any third-party platform, artificial intelligence system, software application, website, or research tool.

Students remain responsible for independently verifying all information before relying upon it.

Third-Party Resources

Harbour Crest may recommend books, articles, websites, YouTube channels, software, educational platforms, or other external resources.

Such recommendations are provided solely for educational convenience and do not constitute endorsements, partnerships, guarantees, or representations regarding those third-party resources.

Harbour Crest accepts no responsibility for the content, accuracy, availability, or practices of third-party services.

Limitation of Liability

To the fullest extent permitted by applicable law, Harbour Crest, its founder, instructors, employees, and authorized representatives shall not be liable for any direct, indirect, incidental, consequential, special, or financial loss arising from:

  • Trading activities;

  • Investment decisions;

  • Market participation;

  • Reliance upon educational content;

  • Third-party resources;

  • Artificial intelligence outputs;

  • Market volatility;

  • Delays in information;

  • Technical interruptions; or

  • Any decision made by a student before, during, or after participation in Harbour Crest programs.

Nothing in this Disclaimer excludes liability where such exclusion is prohibited under applicable law.

Accuracy of Information

Harbour Crest makes reasonable efforts to ensure that educational content is accurate and current at the time it is delivered.

However, financial markets, regulations, technology, and economic conditions evolve continuously.

Accordingly, Harbour Crest does not warrant that all information will remain complete, current, or applicable indefinitely.

Students should independently verify important information before acting upon it.

Amendments

Harbour Crest reserves the right to revise or update this Educational Disclaimer at any time to reflect operational, educational, legal, or regulatory changes.

The most recent version shall always be published on the official Harbour Crest website.

Governing Law

This Educational Disclaimer shall be governed by and interpreted in accordance with the laws of the Republic of India.

Any disputes relating to this Disclaimer shall be subject to the jurisdiction of the competent courts located in Kolkata, West Bengal.

Contact

For any questions regarding this Educational Disclaimer, please contact:

​

Harbour Crest

Kolkata, West Bengal, India

Email: harbourcrest.in@gmail.com

Website: www.harbourcrest.in

Knowledge is the only capital the market cannot take away.

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