To the fullest extent permitted by law, Serenity disclaims all guarantees regarding political, economic, weather-related, investment or geopolitical risk. Any refunds are within Serenity's sole discretion. Except for payment obligations, neither party is liable for failure or delay resulting from a condition beyond the reasonable control of the party, including without limitation to acts of God, government, terrorism, natural disaster, labor conditions and power failures. Neither Serenity nor its agents and speakers provide any individual, personalized investment advice. We provide information to the general public. At no time should any person acting as an agent be relied upon as rendering personalized investment advice.