DISCLAIMER

The information provided on CashSmartGuide is for general educational purposes only. Nothing on this website should be interpreted as professional financial, investment, tax, or legal advice.

We are not licensed financial advisors, certified public accountants, investment professionals, or attorneys. The content on our website represents educational information designed to help readers understand basic financial concepts and make more informed decisions.

We do not provide personalized financial advice. Every individual's financial situation is different, and what works for one person may not work for another. The information on this website is general in nature and may not be appropriate for your specific circumstances.

The information on this website is educational only. It represents our research and understanding of financial topics, but it should not replace professional advice from qualified experts.

Before making any major financial decisions, including investments, tax planning, retirement planning, or estate planning, we strongly encourage you to consult with licensed professionals such as financial advisors, accountants, or attorneys.

Using our website or reading our content does not create any professional relationship between you and CashSmartGuide. We are not your:

• Financial advisor
• Investment advisor
• Tax advisor or accountant
• Legal counsel or attorney
• Insurance agent or broker
• Certified financial planner

We do not provide personalized financial advice tailored to your specific situation. Our content is general information that may or may not apply to your circumstances.

Any discussion of investments, stocks, bonds, cryptocurrencies, real estate, or other financial products on our Website is for educational purposes only.

Important facts about investing:

• All investments carry risk, including the potential loss of principal
• Past performance does not guarantee future results
• Investment returns are never guaranteed
• You could lose some or all of your invested money
• Market conditions change and past success doesn't predict future outcomes

We do not recommend specific investments, stocks, funds, or financial products. Any mention of financial products or strategies is for educational purposes only and should not be considered a recommendation to buy, sell, or hold any investment.

While we may discuss tax strategies, retirement account rules, and legal concepts related to personal finance, we are not tax professionals or attorneys.

Tax laws are complex and change frequently. Tax situations vary based on your income, filing status, state of residence, and many other factors. What applies to one person may not apply to you.

For specific tax advice or legal guidance:

• Consult with a certified public accountant (CPA) or tax professional
• Speak with a qualified attorney for legal matters
• Contact the IRS or your state tax authority for official information
• Review official government publications and resources

We are not responsible for any tax penalties, legal issues, or financial consequences that may result from actions you take based on information from our website.

We make every effort to provide accurate, current, and helpful information. However, we cannot guarantee that all information on our website is completely accurate, up-to-date, or free from errors.

Financial regulations, contribution limits, tax laws, and other rules change every year. An article written in 2025 may contain information that is no longer accurate in 2026 or beyond.

You are responsible for verifying information before acting on it. Always check current rules with official sources such as:

• The Internal Revenue Service (IRS)
• Social Security Administration
• U.S. Securities and Exchange Commission (SEC)
• Your state's financial regulatory agencies
• Your financial institution or employer's HR department

Our website may contain links to third-party websites, products, or services. These links are provided for your convenience and do not constitute an endorsement or recommendation by CashSmartGuide.

We are not responsible for:

• The accuracy or reliability of information on third-party websites
• The products or services offered by third parties
• The privacy practices or terms of third-party sites
• Any losses or damages resulting from your use of third-party sites or services

Always conduct your own research and due diligence before using any product, service, or website we link to or mention.

Your use of CashSmartGuide does not create any professional relationship between you and us. We are not your:

• Financial advisor
• Investment advisor
• Tax preparer or accountant
• Attorney or legal counsel
• Insurance agent
• Fiduciary

We do not have access to your personal financial information, and we cannot provide advice tailored to your specific situation. Any information you gain from our website should be considered general educational content only.

Personal finance strategies that work for one person may not work for another. Your financial success depends on many factors including:

• Your income and expenses
• Your age and time horizon
• Your risk tolerance
• Your financial goals and priorities
• Economic conditions and market performance
• Your discipline and consistency
• Unexpected life events

We cannot guarantee that following any advice or strategy discussed on our website will lead to specific financial results. Past performance does not guarantee future results.

When we discuss investing topics, understand that:

• Stock prices can go down as well as up
• Past investment performance does not guarantee future results
• Market conditions can change rapidly and unpredictably
• Even "safe" investments can lose value in certain circumstances
• Diversification does not eliminate risk
• You could lose some or all of your invested money

Before investing, carefully consider your financial situation, investment objectives, risk tolerance, and time horizon. Consider consulting with a licensed financial advisor or investment professional.

CashSmartGuide may participate in affiliate programs or display advertisements. This means we may earn a commission if you click on certain links or purchase products or services through our website.

However, our content is not influenced by these potential earnings. We maintain editorial independence and only recommend or discuss products and services that we believe may be genuinely helpful to our readers.

We do not receive compensation for providing financial advice because we do not provide financial advice. Any affiliate relationships or advertising are clearly disclosed and do not affect the educational nature of our content.

Despite our best efforts, our website may contain typographical errors, inaccuracies, or outdated information. We reserve the right to correct errors, update content, or remove content at any time without notice.

If you notice an error or have concerns about any content on our website, please contact us so we can review and correct it if necessary.

To the fullest extent permitted by law, CashSmartGuide and its owners, contributors, and affiliates shall not be liable for any damages of any kind arising from your use of this website or reliance on any information provided.

This includes, but is not limited to:

• Financial losses or investment losses
• Loss of income or profits
• Tax penalties or legal issues
• Emotional distress
• Any other direct, indirect, incidental, or consequential damages

Your use of this website and any actions you take based on information from this website are entirely at your own risk.

We may update this Disclaimer from time to time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website after changes are posted constitutes your acceptance of the updated Disclaimer.

If you have questions about this Disclaimer or concerns about any content on our website, please contact us: