General Disclaimers
I'm sharing what's worked for me. I am a financial coach and my services do not include investment advice. Here's what you should know before booking a call or using anything on this site. I am not a licensed financial professional. The information provided by The Art of Budgeting on my website, in my services, through my communications, and in my marketing materials is for general informational and educational purposes only. All information is provided in good faith; however, I make no representation or warranty of any kind, expressed or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information.
Not financial or legal advice:
I'm not a licensed financial advisor, accountant, attorney, or credit counselor. I don't hold any financial certifications, licenses, or formal financial education. What I share comes from my own personal experience managing my own money, not professional training. Nothing here, including the Budget Strategy Call, is financial, legal, or tax advice. This service is for educational and informational purposes only. For advice specific to your situation, talk to a qualified, licensed professional.
No guaranteed results:
Everyone's financial situation is different. The numbers and results I share, including my own, reflect my personal experience and aren't a promise of what you'll experience. Your results will depend on your own income, expenses, liabilities, choices, and effort, and I can't guarantee any specific outcome, including debt payoff timelines, savings amounts, or financial improvement of any kind.
No warranties:
This service, the course, and everything on this site are provided "as is," without warranties of any kind, whether expressed or implied. I don't warrant that the content or the call will be error-free, uninterrupted, or suited to your particular needs. To the fullest extent permitted by law, I disclaim all implied warranties, including any warranty of merchantability or fitness for a particular purpose.
Limitation of liability:
To the fullest extent permitted by applicable law, I'm not liable for any direct, indirect, incidental, or consequential damages arising from your use of this site, the course, through communications, or the call, including any financial decisions you make based on them.
Based on personal experience, not professional practice:
Everything I teach is based on what has worked for me personally, including my own ongoing debt payoff. I'm not a credit counselor or debt settlement professional, and this service is not debt counseling, debt settlement, or credit repair. If you're dealing with serious debt distress, collections, or considering bankruptcy, please consult a licensed credit counselor or attorney instead of relying on this service alone.
Legal Disclaimers
1. No Professional Advice
The content and services provided by The Art Of Budgeting do not constitute professional advice of any kind, including but not limited to:
-
Financial advice
-
Accounting or bookkeeping advice
Always consult with qualified professionals (attorneys, CPAs, financial advisors, etc.) before making important financial, legal, or personal decisions.
2. No Guarantees Of Results
Use at your own risk. Any earnings, income, revenue, saving, or budgeting figures mentioned by The Art Of Budgeting, in testimonials, or examples are not guarantees or promises of your actual earnings. There is no guarantee from using my services, products, techniques, or ideas. Your results will vary and depend on many factors unique to you.
3. Earnings And Income
The Art Of Budgeting does not guarantee any specific level of financial results from using my services, following my educational content, or implementing my strategies.
Individual results will vary significantly based on numerous factors including but not limited to:
- Your individual effort, dedication, and time commitment
- Your existing experience, skills, and knowledge
- Your income and resources
- Timing, seasonality, and external factors beyond your control
4. Testimonials
Any testimonials, examples, or success stories presented by The Art of Budgeting:
- Are Not Guarantees: Do not guarantee you will achieve similar results
- Are Individual Experiences: Reflect the unique circumstances and efforts of those individuals
- May Not Be Verified: While we believe testimonials to be truthful, we cannot independently verify all claims
- Results May Vary: Your results may be better, worse, or completely different
5. Risk Of Loss
You may:
- Experience lower than expected results
Only invest time and money you can afford to lose. Never risk funds you cannot afford to lose or that are needed for essential expenses.
6. Effort And Work Required
Success with The Art Of Budgeting services requires:
- Time, effort, and consistent work
- Learning new skills and implementing strategies
- Ongoing optimization and adjustment
- Patience and persistence through challenges
There are no "get rich quick" schemes, shortcuts, or guaranteed paths to success.
7. Past Performance Not Indicative
Any past performance, results, or earnings mentioned are not indicative of future results. What worked previously may not work in the future.
8. Financial Products and Services
The Art Of Budgeting is not a licensed financial advisor, investment advisor, broker-dealer, registered investment advisor (RIA), or financial planner in any state or jurisdiction.
I am not licensed to provide financial advice, investment recommendation, securities analysis, or financial planning services.
I do not hold any securities licenses, FINRA registrations, SEC registrations, or state financial licenses.
9. Consult Licensed Professionals
Before making any financial decisions, you MUST consult with licensed, qualified professionals:
- Financial Advisors: SEC-registered or state-registered investment advisors for investment guidance
- CPAs or Tax Professionals: For tax planning and tax advice
- Attorneys: For legal aspects of financial transactions and structures
- Insurance Professionals: Licensed insurance agents for insurance recommendations
- Certified Financial Planners (CFP®): For comprehensive financial planning
10. No Warranties Or Guarantees
Disclaimer of Warranties
I disclaim all warranties, including but not limited to:
- Merchantability: Fitness for a particular purpose
- Accuracy: Completeness, reliability, or timeliness of information
- Performance: Uninterrupted, error-free
- Results: Specific outcomes, profits, or business success
- Non-Infringement: Freedom from third-party rights violations
Changes and Updates
I reserve the right to:
- Modify, update, or discontinue services at any time without notice
- Change pricing, features, or functionality
- Correct errors or inaccuracies in content
- Update information to reflect current knowledge or market conditions
Third-Party Information
Information obtained from third-party sources (partners, affiliates, data providers) is believed to be reliable but is not independently verified. We are not responsible for errors, omissions, or changes in third-party information.
11. Your Indemnification
You agree to indemnify, defend, and hold harmless The Art of Budgeting and I from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorneys' fees) arising from:
- Your use of my services and any decisions or actions taken based on my information
- Your violation of these disclaimers
- Your violation of any third-party rights, including intellectual property or privacy rights
- Any misrepresentation or false statement you make to me or others
12. Changes To These Disclaimers
The Art Of Budgeting reserves the right to update, modify, or change these disclaimers at any time. Changes are effective immediately upon posting to my website.
Your continued use of my services after changes constitutes acceptance of the updated disclaimers. I encourage you to review this page periodically.
Questions About Disclaimers?
If you have questions about these disclaimers or need clarification:
Email: ih.contact@artofbudgeting.com
Subject Line: "Disclaimers Inquiry"
Final Reminder: These disclaimers are part of my legal agreement with you. By using The Art Of Budgeting services, you acknowledge that you have read, understood, and agreed to these disclaimers.
Seek Professional Advice: Always consult with qualified licensed professionals (attorneys, CPAs, financial advisors) before making important business, financial, or legal decisions.