Financial Education Disclaimer
For Educational Purposes Only
TeachMeFinance.com provides general financial education and information. Our content is:
✅ What it IS:
- Educational content about finance concepts
- General information about investment types
- Explanations of financial terms and strategies
- Historical data and examples
❌ What it is NOT:
- Personalized financial advice
- Investment recommendations for your situation
- Tax, legal, or accounting advice
- Professional financial planning services
Not Financial Advisors
Important: We are NOT:
- Registered Investment Advisors (RIA)
- Licensed financial planners
- Certified Financial Advisors (CFA)
- Securities broker-dealers
We do NOT:
- Manage investments
- Provide personalized portfolio advice
- Offer securities or financial products
- Have fiduciary duty to readers
Consult Professionals
Before making financial decisions:
- ✅ Consult a licensed financial advisor
- ✅ Speak with a qualified tax professional
- ✅ Consider your personal circumstances
- ✅ Verify information independently
Investment Risk Disclaimer
All Investments Carry Risk
General Risks:
- You may lose some or all of your investment
- Past performance does NOT guarantee future results
- Market conditions can change rapidly
- Economic factors affect all investments
Specific Investment Risks
Stocks:
- Market volatility
- Company-specific risks
- Economic downturns
- Liquidity risks
Bonds:
- Interest rate risk
- Credit/default risk
- Inflation risk
- Liquidity concerns
Mutual Funds/ETFs:
- Market risk
- Management risk
- Expense ratios
- Tax implications
Cryptocurrency:
- Extreme volatility
- Regulatory uncertainty
- Security risks
- Potential total loss
Real Estate:
- Market fluctuations
- Liquidity issues
- Maintenance costs
- Economic factors
No Guarantees
We make NO guarantees about:
- Investment returns
- Accuracy of third-party data
- Future market performance
- Suitability for your situation
Accuracy Disclaimer
Financial information evolves:
- Laws change: Tax laws, regulations, policies
- Markets change: Prices, rates, conditions
- Companies change: Mergers, bankruptcies, restructuring
- Data updates: Statistics may be revised
We Strive for Accuracy But...
While we aim for accurate content:
- Information may become outdated
- Errors may occur
- Third-party data may be incorrect
- Laws vary by jurisdiction
Always verify critical information independently.
Affiliate Disclosure
We May Earn Commissions
TeachMeFinance.com participates in affiliate programs. When you click certain links and make purchases, we may earn commissions.
Affiliate Relationships:
- Brokerage platforms
- Financial services
- Credit card companies
- Banking institutions
- Investment platforms
- Educational products
Our Editorial Independence
Important Commitments:
- ✅ Commissions do NOT influence our editorial content
- ✅ We recommend products we believe are valuable
- ✅ We disclose affiliate relationships clearly
- ✅ We may recommend non-affiliate products if better
It costs you nothing extra. Prices are the same whether you use our links or not.
Third-Party Content Disclaimer
External Links
Our website contains links to third-party websites. We are NOT responsible for:
- Content on external sites
- Privacy practices of external sites
- Accuracy of external information
- Products/services offered externally
Visiting external links is at your own risk.
Embedded Content
If we embed content (videos, widgets, calculators):
- Third-party terms may apply
- Data may be collected by third parties
- We do not control third-party content
No Professional Relationship
Reading our content does NOT create:
- Client-advisor relationship
- Professional services agreement
- Fiduciary duty
- Legal obligation
Your Responsibility
You are responsible for:
- Evaluating your own financial situation
- Making your own investment decisions
- Seeking professional advice
- Verifying information independently
Tax Disclaimer
Not Tax Advice
Tax information on our site is:
- General educational content
- May not apply to your situation
- Subject to change
- Not a substitute for professional tax advice
Tax laws vary by:
- Country
- State/Province
- Individual circumstances
- Year/tax period
Consult a qualified tax professional for personalized advice.
Testimonials & Results Disclaimer
Individual Results Vary
If we feature success stories or testimonials:
- These are individual experiences
- Results are not typical
- Your results may differ significantly
- No guarantee of similar outcomes
Past success does not predict future results.
Limitation of Liability
Use at Your Own Risk
To the maximum extent permitted by law:
❌ We are NOT liable for:
- Financial losses from using our content
- Decisions made based on our information
- Errors or omissions in content
- Third-party actions or content
- Technical issues or website downtime
Maximum Liability
Our total liability shall not exceed $100 USD.
Forward-Looking Statements
No Predictions
Any forward-looking statements on our site:
- Are opinions based on current data
- May not come to pass
- Are subject to risks and uncertainties
- Should not be relied upon for investment decisions
We cannot predict the future.
Jurisdiction-Specific Disclaimers
United States
Content is intended for U.S. audiences. State laws may vary.
International Users
If accessing from outside the U.S.:
- Content may not apply in your jurisdiction
- Local laws may differ
- Consult local professionals
- Currency conversions may apply
Health & Wellness Content (If Applicable)
If we discuss financial stress or wellness:
- Not medical or psychological advice
- Consult healthcare professionals
- For general information only
Updates to Disclaimers
We may update these disclaimers. Check "Last Updated" date for changes.
Summary (TL;DR)
🚨 Key Points:
- Not financial advice – Educational content only
- Consult professionals – For personalized guidance
- All investments risk loss – No guarantees
- Verify information – May be outdated or incorrect
- Affiliate links – We may earn commissions (no extra cost to you)
- Use at your own risk – You're responsible for your decisions