TERMS OF SERVICE
1. Nature of Advice: The 8-Pillar Audits and content provided on melvynccvalenzuela.com are for Strategic Advisory and Educational purposes only. They do not constitute formal legal, tax, or investment advice.
2. Intellectual Property: All frameworks, including the “Guardian Standard” and “F.I.D.E.M.-R.H.W.”, are the exclusive intellectual property of Melvyn C.C. Valenzuela. Unauthorized reproduction is prohibited.
3. Limitation of Liability: Melvyn C.C. Valenzuela and MCCV Strategic AI Solutions shall not be held liable for any financial decisions made by users based on the results of self-administered audits.
4. Lead Referrals: By completing an audit, you acknowledge that a professional partner (Financial Advisor) may contact you to provide a detailed briefing of your results.

