Last updated: February 07, 2025

These disclaimers may apply to all digital content produced by the creator who goes online by the name “João Ruivo III” and the handle “@jofiperu”, namely this website (https://jofiperu.com), his YouTube channels, newsletter, and social media posts.

By visiting (and engaging with) his content, you agree to the terms and conditions expressed here.

Table of contents

About the views, opinions, tips, and recommendations of the creator

The views, opinions, and recommendations expressed by the creator in (t)his website, videos, newsletter, and social media posts are his alone, mostly based on conclusions taken from his studies as an autodidact, rational thinking, and life experiences (meaning there’s always the possibility they can be wrong or change over time). The creator doesn’t claim to be a professional or expert in any specific field covered in his content, namely in life coaching, financial advising, fitness training, nutrition, mental health, or any other field, and any decision you decide to take upon reading or watching his content are at your full and own responsibility.

About his opinions on mental health and well-being

The views, opinions, tips, and recommendations on any topic related to mental health and well-being (namely motivational messages, life coaching, meditation, etc.) expressed by the creator in any of his digital content are entirely based on his personal experiences and observations, meaning they shouldn’t be considered medical or mental health advice (and even less psychotherapeutic treatment).

Although those tips (e.g., motivational messages) or practices (e.g., meditation) are hardly harmful (and can even be beneficial to some degree for the generality of the population), in case you suffer from some more complex psychological, emotional, or mental issue requiring professional intervention, they’ll almost certainly not be enough to help you deal with such an issue. In that case, it’s recommended you consult with a licensed psychotherapist or healthcare professional of your trust.

About his opinions on fitness and nutrition

The views, opinions, tips, and recommendations on workouts, dietary regimens, supplementation, or any other topic related to health and fitness expressed by the creator in any of his digital content are entirely based on his personal experiences with fitness and nutrition, meaning they shouldn’t be considered medical or professional exercising advice. Furthermore, if you decide to try to replicate his workouts or diet, you may not be able to get the same results (due to your specific case, distinct health level, life conditions and needs, age, genetics, etc.).

Additionally, if you decide to follow some of his tips on fitness and nutrition, and to minimize the risk of injury or health issues, you should consult with a healthcare or fitness professional before engaging in any kind of exercising, dietary, or supplementation program.

About his opinions on finances and investments

The financial views, opinions, tips, and recommendations expressed by the creator in any of his digital content are entirely based on his personal experiences with finance and investments, meaning they shouldn’t be considered any kind of professional financial investment or tax advice. Furthermore, if you decide to try to replicate some of his actions, you may not be able to get the same outcome (due to your individual context, distinct life conditions, and also because past performance isn’t indicative of future results).

Regarding any financial decision you decide to take upon reading or watching the author’s content, you must be fully aware that any investing decision carries the risk of making you lose your money, namely – in the worst case scenario – the entirety of the money invested. It’s recommended you consult with a professional financial or tax advisor before taking any decision in order to to minimize any risk.

About Fair Use

Some of the content produced by the creator on the different platforms where he’s present – especially when it comes to audiovisual one – may contain some material that is – by nature and in most cases – copyrighted by the law of their respective countries, thus belonging to their rightful owners. However, it’s believed that such content is used under the Fair Use doctrine (included in the law of many countries as well), i.e., only in a reasonable amount to inform, teach, and educate its audience.

If you’re the owner of such material (or a representative) and still have a problem with the creator’s usage of it, please get in touch with him via email and let him know.

This website (or any other platform where the creator produces material) may contain some affiliate links promoting products directly related to the topics being covered. If you click on them and purchase some item, the creator may receive a small commission paid by the providers of such goods, with no additional cost to you. This commission income motivates the creator to produce more and better content, thus helping to keep his message alive, meaning everyone’s a winner!

About Privacy Policy

For specific disclaimers related to the Privacy Policy, click here.