Financial Disclaimer

Last Updated: September 5, 2026

The information published on WithShimami is provided for general educational and informational purposes only.

WithShimami covers topics including personal finance, saving, budgeting, investing, insurance, business, financial planning, money mindset and personal development.

Not Personalized Financial Advice

The information on this website is not intended to replace professional advice tailored to your individual circumstances.

Nothing published on WithShimami should be considered personalized:

Financial advice
Investment advice
Insurance advice
Tax advice
Legal advice
Business advice

Every individual's financial situation is different.

Before making an important financial decision, you should consider your own objectives, income, expenses, assets, liabilities, risk tolerance, time horizon and other relevant circumstances.

Where appropriate, consult a suitably qualified financial, investment, insurance, tax or legal professional.

Investment Risk

Investing involves risk.

The value of investments can rise or fall, and you may lose some or all of the money invested.

Past performance does not guarantee future results.

Any investment examples, calculations, historical information or illustrations presented on WithShimami are provided for educational purposes and should not be interpreted as a guarantee of future performance.

Insurance Information

Information about insurance products and concepts is provided for educational purposes.

Insurance products, premiums, benefits, exclusions, terms and eligibility requirements vary between insurers and policies.

Always review the actual policy documents and seek clarification from the relevant insurer or qualified professional before purchasing an insurance product.

Financial Products and Services

References to financial products, companies, insurers, investment opportunities, books, services or other businesses do not necessarily constitute an endorsement or recommendation.

Readers should conduct their own research and consider whether a product or service is appropriate for their circumstances.

Accuracy and Changes

We make reasonable efforts to provide accurate and useful information.

However, financial markets, laws, regulations, tax requirements, insurance products, interest rates and other information may change.

We therefore cannot guarantee that all information published on WithShimami will always be complete, current or error-free.

If you identify an error or outdated information, please contact us so that we can review it.

Affiliate Disclosure

Some WithShimami articles may contain affiliate links or other commercial relationships.

Where applicable, these relationships will be disclosed.

An affiliate relationship does not mean that a product or service is suitable for every reader.

Your Responsibility

You are responsible for your own financial decisions.

Information published on WithShimami should be treated as a starting point for learning and further research rather than as a substitute for individualized professional advice.

By using WithShimami, you acknowledge that you are responsible for evaluating information and making your own decisions.

Contact

If you have questions about this disclaimer or our financial content, contact:

Michael Wangechi
WithShimami
Email: mikewangechi77@gmail.com