Financial Disclaimer

1. Nature of Services

Gojo Financial provides:

• Financial education and coaching
• Budget planning tools and templates
• Goal setting and tracking assistance
• General financial guidance

We do NOT provide investment advice, legal advice, tax advice, or specific financial planning services that require professional licensing.

2. No Guarantees

While we strive to provide high-quality guidance and tools, we cannot and do not guarantee:

• Specific financial results or outcomes
• Increased income or wealth
• Debt elimination within a specific timeframe
• Credit score improvements

Your financial success depends on many factors including your personal situation, effort, discipline, and external economic conditions.

3. Educational Purpose

All content, articles, tools, and coaching provided through Gojo Financial are for educational purposes only. They are not personalized financial advice tailored to your specific circumstances.

4. Professional Advice

We strongly recommend that you:

• Consult licensed financial advisors for investment decisions
• Work with tax professionals for tax-related questions
• Seek legal counsel for legal matters
• Verify information independently before making financial decisions

5. Your Responsibility

You are solely responsible for your financial decisions. Gojo Financial and its coaches are not liable for any financial losses, missed opportunities, or adverse outcomes resulting from using our services or following our guidance.

6. Accuracy of Information

While we make every effort to provide accurate and up-to-date information, we do not warrant the accuracy, completeness, or timeliness of any content. Financial laws, regulations, and best practices change frequently.

7. Testimonials

Any testimonials or success stories represent individual experiences and are not guarantees of similar results. Individual results vary based on many factors.

8. Agreement

By using Gojo Financial, you acknowledge that you have read, understood, and agree to this disclaimer. You understand that our services are educational in nature and that you should consult appropriate licensed professionals for personalized advice.