Disclaimer

1. Educational content only

All content on this site, including articles, guides, summaries, AI chat responses, and any other material (collectively, the "Content"), is provided strictly for general informational and educational purposes. The Content does not constitute, and must not be relied upon as, legal, financial, tax, accounting, investment, medical, employment, engineering, or any other form of professional advice.

2. No professional relationship

Your use of this site does not create any attorney, client, accountant, advisor, fiduciary, consultant, employer, employee, agency, partnership, joint venture, or other professional relationship between you and the operator of this site, its authors, contributors, or affiliates.

3. AI assistant ("Dr. Filaroski")

The "Dr. Filaroski" feature is an automated AI chat tool. It is not a real person, doctor, lawyer, accountant, financial advisor, or licensed professional of any kind. It is not a substitute for qualified professional advice. AI responses can be inaccurate, incomplete, biased, fabricated, or out of date. Do not act on its output without independent verification by a qualified professional. You assume all risk arising from your use of, or reliance on, AI generated output.

4. No warranties

The Content and the site are provided on an "AS IS" and "AS AVAILABLE" basis, with all faults and without warranty of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by law, the operator disclaims all warranties, including merchantability, fitness for a particular purpose, accuracy, completeness, timeliness, non infringement, and uninterrupted or error free operation.

5. Limitation of liability

To the maximum extent permitted by applicable law, in no event shall the operator of this site, its authors, contributors, affiliates, or service providers be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to loss of profits, revenue, data, goodwill, business opportunity, or any other intangible losses, arising out of or related to your access to or use of, or inability to access or use, the site or the Content, even if advised of the possibility of such damages.

6. Third party links and tools

The site may contain links to, or rely on, third party websites, services, or tools. The operator does not control, endorse, or assume responsibility for any third party content, products, or services. Your use of any third party resource is at your sole risk and subject to that third party's terms.

7. Your responsibility

You are solely responsible for any decision or action you take based on the Content. Before acting on anything you read or are told here, consult a qualified, licensed professional in the relevant jurisdiction.