Disclaimer

Clock & Coins (“company,” “I,” “we,” or “us”) provides general educational information on various topics through www.ClockAndCoins.com (the “Website”) as a public service. This information is not professional, financial, real estate, tax, or accounting advice, and represents only our personal opinions.

The term “you” refers to anyone who uses, visits, and/or views the Website.

By accessing the Website and any content made available through it—including programs, products, services, opt-in gifts, e-books, videos, webinars, blog posts, newsletters, consultations, emails, social media, and/or other communication—you agree to be bound by this Disclaimer, as well as our Terms and Conditions and Privacy Policy. We reserve the right to modify this Disclaimer at any time without notice. Your continued use of the Website constitutes your acceptance of any updates.

If you do not agree with this Disclaimer, do not access or use the Website.

FINANCIAL DISCLAIMER

The content and information on the Website are for informational and educational purposes only and do not constitute financial advice. Accessing or using the Website does not create an advisor-client relationship. Such a relationship is only established through a formal, signed agreement outlining terms, services, and fees.

While we strive to provide accurate general information, you should not rely solely on the content presented. Always consult a qualified professional regarding your specific needs and circumstances before making any financial, legal, accounting, or tax-related decisions.

MEDICAL DISCLAIMER

The Website may occasionally offer information related to health, wellness, fitness, or nutrition. This information is intended solely for educational purposes and should not be construed as medical advice. Always consult a physician or qualified healthcare provider before making decisions related to your health based on content from this Website.

NO PROFESSIONAL-CLIENT RELATIONSHIP

Use of this Website, including application of any recommendations, does not create a professional-client relationship between you and Clock & Coins. We will only establish a formal client relationship after assessing suitability, discussing fees, and entering into a signed agreement.

AFFILIATE / THIRD-PARTY LINKS DISCLOSURE

We may partner with businesses or participate in affiliate marketing programs, where we receive commissions or financial rewards when you click on or purchase products or services through affiliate links. This comes at no additional cost to you.

We recommend products and services based on personal experience but cannot guarantee your results or satisfaction. You are responsible for conducting your own due diligence.

Clock & Coins is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to earn fees by linking to Amazon.com.

Affiliate relationships do not influence the integrity of the information we present. However, we have no control over the content or practices of third-party websites, and cannot be held liable for any issues that arise from their use.

This disclosure applies to affiliate links shared across the Website, social media, email, products, and other communications.

EARNINGS DISCLAIMER, TESTIMONIALS, AND RESULTS

We may share income reports, client results, testimonials, or product reviews. These are accurate and shared for informational purposes only.

Such examples are not guarantees or promises of your own results. Your success depends on your background, dedication, effort, and personal circumstances.

You are solely responsible for your decisions, actions, and results. We are not liable for any outcomes related to information, products, or services provided through the Website.

SPONSORED CONTENT / REVIEWS DISCLAIMER

From time to time, we may publish sponsored blog posts or reviews of products and services. We may receive incentives, discounts, compensation, or free products in exchange for such content.

All reviews represent honest opinions made in good faith. However, you should perform your own research before making any purchasing decisions.

You agree not to hold Clock & Coins responsible for any purchases, actions, or outcomes related to sponsored content, affiliate links, or product reviews.

FAIR USE DISCLAIMER

The Website may review and display content such as product images, logos, and other materials owned by third parties. We claim no copyright over such content and assert that its use qualifies as “fair use” under U.S. copyright laws.

If you believe we have infringed your copyrighted material, please contact us immediately at support@clockandcoins.com.

GOVERNING LAW

This Disclaimer shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

LIMITATION OF LIABILITY

You agree that Clock & Coins and/or our officers, employees, partners, successors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages arising from your use of the Website.

You expressly agree that your use of the Website is at your sole risk and that you are fully responsible for your results and experiences.

We shall not be liable for:

  • Errors, omissions, or inaccuracies on the Website

  • Delays, failures, or interruptions in Website operations

  • Security breaches, hacking, viruses, or theft of information

  • Losses of revenue, income, data, profits, or goodwill

  • Third-party actions or content accessed through the Website

This limitation applies whether the alleged liability is based on negligence, breach of contract, tort, or any other legal theory.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Clock & Coins, its officers, employees, partners, successors, affiliates, and contractors from and against any and all claims, losses, liabilities, damages, demands, actions, suits, proceedings, judgments, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • Your use of the Website

  • Your violation of any terms, laws, or regulations

  • Your infringement of any rights of others

  • Your use or misuse of the information, products, or services offered

We reserve the right to assume exclusive defense and control of any matter otherwise subject to indemnification by you. You agree to fully cooperate with us in such defense if requested.

CONTACT US

If you have any questions regarding this Disclaimer, please contact us at support@clockandcoins.com.