Key Disclaimer Statement

1. No Financial Guarantee Disclaimer
"Hikari Apex Flow provides advisory services only. No guarantees of funding approval, business success, profitability, or investment returns. Clients make independent decisions based on our recommendations."

2. Independent Contractor Disclaimer
"All services delivered as independent contractor. Hikari Apex Flow not liable for client employee obligations, taxes, or statutory contributions. No employment relationship created."

3. Forward-Looking Statements Disclaimer
"Projections, market analyses, and growth forecasts based on available data as of service date. Actual results may differ materially due to market changes, client execution, regulatory shifts."

4. Third-Party Disclaimer
"Services may reference external providers, software, funding networks. Hikari Apex Flow not responsible for third-party performance, product quality, or contractual obligations."

5. Regulatory Compliance Disclaimer
"Advisory aligns with current Malaysian regulations (SC, SSM, PDPA). Clients responsible for jurisdiction-specific compliance and obtaining required licenses/approvals."

6. Website Information Disclaimer
"Website content informational only, not formal advice. Consult legal/financial professionals for binding decisions. No warranty on information accuracy or completeness."

"Client acknowledges: (i) no performance guarantees, (ii) independent implementation responsibility, (iii) third-party risks borne solely by client, (iv) regulatory compliance client's duty."