Disclaimer

General Disclaimer

The information and services provided by P & S Financial Group, P.A. ("we," "us," or "our") are for educational and informational purposes only. While we strive to provide accurate and helpful guidance, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on our website or through our services.

Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to our website, or by anyone who may be informed of any of its contents.

Not Financial, Legal, or Tax Advice

P & S Financial Group, P.A. provides financial coaching, education, and consulting services. We are NOT:

• Licensed attorneys providing legal advice
• Certified Public Accountants (CPAs) providing tax advice
• Registered Investment Advisors providing securities recommendations
• Insurance agents or brokers
• Real estate professionals

Our services are designed to educate, coach, and guide you in making informed financial decisions. However, we strongly recommend that you consult with qualified professionals, including:

• A licensed attorney for legal matters
• A certified tax professional or CPA for tax-related questions
• A registered investment advisor for investment decisions
• Other relevant professionals specific to your situation

No Guaranteed Results

We make NO guarantees regarding specific financial outcomes or results. Your financial success depends on numerous factors, including but not limited to:

• Your individual financial situation and circumstances
• Your commitment to implementing strategies and recommendations
• Market conditions and economic factors beyond our control
• Changes in laws, regulations, and policies
• Your personal discipline and financial behavior
• Unforeseen events or emergencies

Past performance or testimonials from other clients do not guarantee similar results for you. Each person's financial situation is unique, and results will vary.

Credit Repair Services Disclaimer

Our credit repair and improvement services are designed to help you understand and exercise your rights under federal and state credit laws. We work to identify inaccurate, outdated, or unverifiable information on your credit reports and help you dispute such items with credit bureaus.

Important Credit Repair Disclosures:

• We cannot remove accurate negative information from your credit reports
• Results vary based on individual circumstances and credit history
• Credit bureaus may take 30-45 days to investigate disputes
• Some negative items may be re-verified and remain on your report
• You have the right to dispute credit report errors directly with credit bureaus at no cost
• Improving your credit score takes time and consistent effort

We comply with the Credit Repair Organizations Act (CROA) and all applicable state and federal laws governing credit repair services.

Business Funding and Credit Disclaimer

Our business funding preparation services help you organize financial documentation, improve business credit, and position your business for funding opportunities. However:

• We do not guarantee loan approval or funding from any lender
• Lending decisions are made solely by financial institutions based on their criteria
• We are not lenders and do not provide loans or financing
• Building business credit takes time and requires responsible financial management

Faith-Based Approach Disclosure

Our services incorporate biblical principles and faith-based perspectives on financial stewardship. While we believe these principles provide valuable guidance, we respect all beliefs and backgrounds. Our faith-based approach is designed to complement, not replace, sound financial practices and professional advice.

Testimonials and Endorsements

Testimonials and success stories displayed on our website or marketing materials represent individual experiences and results. They are not:

• Guarantees of similar results for you
• Claims that you will achieve the same outcomes
• Representations of typical or average results

Individual results depend on many factors unique to each person's situation. Your results may differ materially from the results described in testimonials.

Third-Party Links and Resources

Our website and services may contain links to third-party websites, tools, or resources. We provide these links for your convenience, but:

• We do not endorse or guarantee the accuracy of third-party content
• We are not responsible for the availability of external sites or resources
• We do not control the privacy practices of third-party websites
• Use of third-party resources is at your own risk

Website Accuracy and Availability

While we make every effort to ensure the accuracy of information on our website:

• Information may become outdated and is subject to change without notice
• We do not warrant that our website will be uninterrupted, secure, or error-free
• Technical issues may occasionally affect website availability
• We reserve the right to modify or discontinue services without notice

Personal Responsibility

You are solely responsible for your financial decisions and actions. By using our services, you acknowledge that:

• You will make informed decisions based on your own research and professional advice
• You understand the risks associated with any financial decision
• You will not hold us liable for outcomes resulting from your choices
• You will seek additional professional advice when necessary
• You are responsible for complying with all applicable laws and regulations

Limitation of Liability

To the fullest extent permitted by law, P & S Financial Group, P.A., its owners, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our services or reliance on any information we provide, including but not limited to financial losses, loss of profits, loss of data, or business interruption.

Regulatory Compliance

P & S Financial Group, P.A. operates in compliance with applicable federal and state laws, including:

• Credit Repair Organizations Act (CROA)
• Fair Credit Reporting Act (FCRA)
• Florida state regulations for financial services
• Consumer protection laws

If you believe we have violated any applicable laws or regulations, please contact us immediately.

Changes to This Disclaimer

We reserve the right to update or modify this disclaimer at any time without prior notice. Changes will be effective immediately upon posting to our website with a new "Last Updated" date. Your continued use of our services after such changes constitutes acceptance of the updated disclaimer.

Questions or Concerns

If you have any questions about this disclaimer or our services, please contact us: