Disclaimer

DISCLAIMER

Effective Date: October 9, 2025

This Disclaimer applies to all services, products, content, and materials provided by Scale Advisors LLC ("Scale Advisors," "we," "us," or "our"), including but not limited to our website, courses, programs, consulting services, memberships, digital products, and all related offerings (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer. If you do not agree, do not use our Services.

This Disclaimer supplements and should be read in conjunction with our Terms of Service and Privacy Policy.

1. NO PROFESSIONAL ADVICE

1.1 Not Licensed Professionals

Scale Advisors and its personnel are not licensed financial advisors, registered investment advisors, certified public accountants, tax preparers, enrolled agents, attorneys, medical professionals, psychologists, therapists, or other licensed professionals unless otherwise specifically stated in writing.

Nothing provided through the Services constitutes professional financial, investment, tax, accounting, legal, medical, psychological, therapeutic, or other licensed professional advice.

1.2 Informational and Educational Purposes Only

All information, content, materials, strategies, techniques, recommendations, and suggestions provided through the Services are for general informational and educational purposes only. The Services do not create any professional, fiduciary, advisory, consultative, or client relationship between you and Scale Advisors except as expressly set forth in a separate written consulting agreement.

1.3 No Substitute for Professional Advice

You should not rely on information provided through the Services as a substitute for professional advice tailored to your specific circumstances.

Before making any financial, legal, tax, business, investment, medical, or other significant decision, you should consult with qualified, licensed professionals who can evaluate your individual situation.

1.4 Specific Areas

The Services do not provide:

(a) Financial or Investment Advice: We do not provide advice regarding specific investments, securities, financial products, retirement planning, estate planning, or portfolio management. Any discussion of financial topics is for educational purposes only.

(b) Tax Advice: We do not provide tax advice, tax planning services, or guidance on tax compliance. Tax laws are complex and vary by jurisdiction. Consult a qualified tax professional regarding your specific tax situation.

(c) Legal Advice: We do not provide legal advice, legal opinions, or guidance on legal matters. Legal issues require analysis of specific facts and applicable law by a licensed attorney.

(d) Accounting Advice: We do not provide accounting services, audit services, or specific accounting guidance. Consult a licensed accountant or CPA for accounting matters.

(e) Medical or Health Advice: We do not provide medical advice, diagnosis, treatment recommendations, or health-related services. Consult licensed medical professionals for all health matters.

(f) Psychological or Mental Health Services: We do not provide therapy, counseling, mental health treatment, or psychological services. If you are experiencing mental health concerns, consult a licensed mental health professional.

1.5 Third-Party Professional Referrals

We may refer you to third-party professionals such as financial advisors, attorneys, accountants, tax strategists, or other service providers. Such referrals:

(a) Do not constitute our endorsement, recommendation, or guarantee of the quality, competence, or suitability of such professionals

(b) Do not create any agency, partnership, employment, or fiduciary relationship between us and the referred professional

(c) May involve compensation to us in the form of referral fees or commissions

(d) Are provided for your convenience only

You are solely responsible for:

Conducting your own due diligence on any referred professional

Verifying credentials, licensure, and qualifications

Evaluating whether the professional is suitable for your needs

Reviewing and negotiating the terms of any engagement

Making your own independent decision to engage the professional

We are not responsible or liable for:

The acts, omissions, advice, services, or professional conduct of any referred professional

Any negligence, malpractice, errors, or professional misconduct by referred professionals

Any disputes between you and any referred professional

Any damages or losses resulting from your engagement with referred professionals

2. NO GUARANTEE OF RESULTS

2.1 Results Vary

WE MAKE NO REPRESENTATIONS, WARRANTIES, PROMISES, OR GUARANTEES REGARDING THE RESULTS, OUTCOMES, BENEFITS, INCOME, PROFITS, SALES, REVENUES, OR SUCCESS YOU MAY ACHIEVE THROUGH USE OF THE SERVICES.

YOUR RESULTS WILL VARY and depend on numerous factors including but not limited to:

(a) Your individual effort, commitment, discipline, consistency, and work ethic

(b) Your skills, abilities, experience, education, training, and background

(c) Your available resources including time, money, personnel, technology, and infrastructure

(d) Market conditions, competition, economic factors, and timing

(e) Your industry, niche, location, target market, and business model

(f) Your existing business, customer base, reputation, relationships, and brand

(g) Regulatory changes, technological disruptions, and other external factors beyond your or our control

(h) Your ability to properly implement the strategies, techniques, and recommendations provided

(i) Numerous other variables unique to your circumstances

2.2 No Implied Promises

Any discussion of potential results, possible outcomes, projected earnings, or achievable goals is:

(a) Purely hypothetical and illustrative

(b) Not a promise, guarantee, or prediction of what you will achieve

(c) Dependent on factors beyond our control

(d) Subject to risks, uncertainties, and variables that could cause actual results to differ materially

2.3 Business and Financial Risk

Starting, growing, or operating a business involves substantial risk of financial loss. You may lose money, time, and resources.

You acknowledge that:

Business success is not guaranteed

Most businesses fail or do not achieve significant profitability

Past performance does not guarantee future results

You assume all risks associated with implementing any strategies or recommendations

You are solely responsible for evaluating the risks and potential rewards of any business opportunity

You should not engage in any business venture, investment, or financial strategy described in the Services without:

Conducting your own independent research and due diligence

Consulting with qualified professionals

Carefully evaluating your own financial situation and risk tolerance

Ensuring you can afford any potential losses

We are not responsible for any financial losses, business failures, or negative outcomes you may experience.

2.4 Timeline for Results

Even if results are achievable, they may require significantly more time than expected, implied, suggested, or illustrated in examples, case studies, or marketing materials.

No timeline for achieving results is guaranteed or promised.

Results may take months or years to achieve, or may never be achieved at all. Any timeframes mentioned are estimates based on specific circumstances and should not be relied upon as predictions of your experience.

3. EARNINGS AND INCOME DISCLAIMERS

3.1 FTC Earnings Disclaimer

ANY EARNINGS CLAIMS, INCOME FIGURES, REVENUE STATEMENTS, PROFIT PROJECTIONS, FINANCIAL RESULTS, OR STATEMENTS ABOUT POTENTIAL EARNINGS PRESENTED IN CONNECTION WITH THE SERVICES ARE:

(a) NOT TYPICAL RESULTS AND SHOULD NOT BE EXPECTED

(b) BASED ON INDIVIDUAL EXPERIENCES THAT MAY NOT BE REPRESENTATIVE OF AVERAGE RESULTS

(c) NOT GUARANTEES, PROMISES, OR PREDICTIONS OF WHAT YOU WILL EARN

(d) PROVIDED FOR ILLUSTRATIVE, EDUCATIONAL, OR MOTIVATIONAL PURPOSES ONLY

(e) SUBJECT TO MANY VARIABLES AND FACTORS BEYOND OUR CONTROL

MOST PEOPLE WHO PURCHASE PRODUCTS OR SERVICES AIMED AT BUSINESS GROWTH, INCOME GENERATION, OR FINANCIAL IMPROVEMENT WILL NOT ACHIEVE THE RESULTS DESCRIBED IN OUR MARKETING MATERIALS OR CASE STUDIES.

THE INFORMATION PROVIDED IS NOT A PROMISE OR GUARANTEE OF EARNINGS.

YOU RECOGNIZE AND AGREE THAT WE HAVE NOT MADE ANY IMPLICATIONS, WARRANTIES, PROMISES, SUGGESTIONS, PROJECTIONS, REPRESENTATIONS, OR GUARANTEES WHATSOEVER TO YOU ABOUT FUTURE PROSPECTS OR EARNINGS, OR THAT YOU WILL EARN ANY MONEY, WITH RESPECT TO YOUR PURCHASE OF THE SERVICES.

ANY EARNINGS OR INCOME STATEMENTS OR EXAMPLES ARE ESTIMATES OF WHAT WE THINK YOU COULD POSSIBLY EARN. THERE IS NO ASSURANCE YOU WILL DO AS WELL. IF YOU RELY UPON ANY FIGURES PROVIDED, YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL.

3.2 Income Claims

Where income claims are made, you should assume:

(a) The individual achieved results through exceptional effort, skills, resources, or circumstances not possessed by average users

(b) The individual may have invested significantly more time, money, or resources than stated or than would be reasonable for average users

(c) The individual may have benefited from favorable market conditions, timing, connections, existing audience, or other advantages

(d) The individual may have received additional support, coaching, services, or resources beyond what is typically provided

(e) Results may have been achieved over a longer time period than implied

(f) Results are not sustainable or may not be repeatable

(g) The individual's results are not typical and most people will not achieve similar results

3.3 Past Performance

Past performance or historical results do not guarantee future performance or results. Market conditions change, competition evolves, platforms and algorithms shift, regulations change, and numerous other factors make it impossible to guarantee that past results can be replicated.

3.4 Average Results

If average earnings or typical results statistics are provided, they represent averages across a specific group during a specific time period and may not be representative of future results or results for all users. Average results may be skewed by outliers and may not reflect the median or most common experience. Many users achieve zero results or negative results (losses).

4. FINANCIAL RESPONSIBILITY AND AFFORDABILITY

4.1 Only Invest What You Can Afford to Lose

Do not purchase the Services if you cannot afford the cost.

Do not go into debt, use credit cards you cannot pay off, borrow money, deplete savings, skip essential expenses, or otherwise jeopardize your financial stability to purchase the Services.

Only invest money you can afford to lose without affecting your ability to pay for housing, food, healthcare, debt obligations, or other essential expenses.

4.2 No Guarantee of Return on Investment

There is no guarantee that you will recover the cost of the Services through increased income, business growth, or other financial benefits.

You may spend money on the Services and achieve no financial return whatsoever. The purchase price of the Services should be considered an expense, not an investment with guaranteed returns.

4.3 Financial Hardship

If you are experiencing financial hardship, debt problems, bankruptcy, or financial distress, you should consult with a qualified financial advisor, credit counselor, or bankruptcy attorney before purchasing the Services.

The Services are not designed to resolve financial crises or provide emergency financial solutions.

4.4 Business Expenses

In addition to the cost of the Services, implementing strategies or recommendations may require additional expenses including but not limited to:

(a) Software, tools, or technology subscriptions (b) Advertising and marketing costs (c) Professional services (designers, developers, copywriters, etc.) (d) Business licenses, permits, or registrations (e) Inventory, equipment, or supplies (f) Website hosting and domain registration (g) Payment processing fees (h) Legal and accounting fees

You are responsible for all costs associated with implementing strategies and running your business.

These additional costs may be substantial and should be factored into your decision to purchase the Services.

5. TESTIMONIALS AND SUCCESS STORIES

5.1 Not Typical Results

Testimonials, case studies, success stories, reviews, examples, and endorsements displayed in connection with the Services represent individual experiences and results.

THESE ARE NOT TYPICAL RESULTS. YOU SHOULD NOT EXPECT TO ACHIEVE SIMILAR RESULTS.

The individuals providing testimonials or featured in case studies may have:

(a) Unique skills, experience, resources, connections, existing business, or advantages not possessed by average users

(b) Invested significantly more time, effort, or money than average users

(c) Benefited from favorable market conditions, timing, or circumstances

(d) Received additional support, coaching, or services beyond what is typically provided

(e) Achieved results that cannot be replicated or sustained

5.2 Testimonial Disclaimers

(a) Compensation: Some individuals providing testimonials may have received compensation, free products, discounts, or other incentives. Material connections will be disclosed as required by law.

(b) Editing: Testimonials may be edited for length, clarity, grammar, or to remove personally identifiable information. However, we do not materially alter the substance of testimonials.

(c) Verification: While we make reasonable efforts to verify testimonials, we do not guarantee the accuracy of all statements made by third parties.

(d) Selection Bias: Testimonials are selected for display and may not be representative of all user experiences. Users with negative experiences may be less likely to provide testimonials.

(e) Context: Testimonials may lack full context about the individual's circumstances, efforts, or other factors that contributed to results.

5.3 Your Responsibility

You are responsible for conducting your own due diligence and should not rely on testimonials or success stories as the primary basis for your decision to purchase or use the Services.

6. FORWARD-LOOKING STATEMENTS

6.1 Nature of Forward-Looking Statements

The Services may contain forward-looking statements regarding:

(a) Future events, trends, opportunities, or developments

(b) Projected outcomes or potential results

(c) Business strategies or plans

(d) Market conditions or industry developments

(e) Technological advancements or changes

(f) Regulatory or legal changes

6.2 Risks and Uncertainties

Forward-looking statements are based on current expectations, assumptions, and beliefs and are subject to substantial risks, uncertainties, and changes in circumstances.

Actual results, events, or developments may differ materially from those expressed or implied in forward-looking statements due to:

(a) Changes in market conditions, competition, or economic factors

(b) Regulatory, legal, or policy changes

(c) Technological disruptions or platform changes

(d) Unforeseen events or circumstances

(e) Inaccurate assumptions or incomplete information

(f) Numerous other factors beyond our control or prediction

6.3 No Obligation to Update

We undertake no obligation to update or revise any forward-looking statements to reflect actual results, changes in assumptions, or changes in circumstances. Forward-looking statements speak only as of the date they are made. You should not place undue reliance on forward-looking statements.

7. NO WARRANTIES

7.1 AS-IS Basis

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

(a) IMPLIED WARRANTIES OF MERCHANTABILITY

(b) IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE

(c) IMPLIED WARRANTIES OF TITLE

(d) IMPLIED WARRANTIES OF NON-INFRINGEMENT

(e) IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE

7.2 No Guarantee of Accuracy

We do not warrant or guarantee that:

(a) The information provided through the Services is accurate, complete, reliable, current, or error-free

(b) The Services will meet your requirements or expectations

(c) The Services will be uninterrupted, timely, secure, or error-free

(d) The results obtained from use of the Services will be accurate, reliable, or satisfactory

(e) The quality of any products, services, information, or other material obtained through the Services will meet your expectations

(f) Any errors or defects in the Services will be corrected

(g) The Services are free of viruses or other harmful components

7.3 Information May Be Outdated

Information provided through the Services may become outdated, inaccurate, or incomplete without notice. We are not obligated to update information or maintain the currency of content, including in digital products, courses, or programs you have purchased. Market conditions, laws, regulations, technologies, platforms, best practices, and other factors change constantly, and information that was accurate when created may become obsolete.

7.4 Third-Party Information

The Services may include information, data, statistics, opinions, or content obtained from third-party sources.

We do not independently verify third-party information and are not responsible for its accuracy, reliability, completeness, or suitability.

You should not rely on third-party information without conducting your own independent verification.

8. DIGITAL PRODUCTS AND SERVICE AVAILABILITY

8.1 No Guarantee of Continuous Access

We do not guarantee continuous, uninterrupted, or permanent access to digital products, courses, memberships, or online services.

Digital products and services may become temporarily or permanently unavailable due to:

(a) Technical issues (server failures, hosting problems, software bugs, database corruption, network outages, cyberattacks, or other technical failures)

(b) Third-party platform changes (changes, discontinuation, or failures of third-party platforms, hosting providers, course platforms, payment processors, video hosting services, or other technology providers we rely upon)

(c) Business decisions (our decision to sunset products, discontinue services, rebrand, restructure, update platforms, or cease operations)

(d) Force majeure (acts of God, natural disasters, pandemics, war, terrorism, government actions, labor disputes, or other events beyond our control)

(e) Legal or regulatory requirements (compliance with court orders, legal requirements, regulatory mandates, or intellectual property claims)

(f) Maintenance and updates (scheduled or emergency maintenance, software updates, security patches, or system upgrades)

8.2 Limited Liability for Loss of Access

We are not liable for any loss, damage, expense, or inconvenience resulting from:

(a) Loss of access to digital products or services

(b) Inability to download, view, or use purchased materials

(c) Data loss or corruption

(d) Interruption of service delivery

(e) Changes to platform features or functionality (f) Discontinuation of products or services

You are solely responsible for backing up or saving any materials, content, or data you wish to retain.

8.3 Right to Modify or Discontinue

We reserve the right, at any time and without prior notice, to:

(a) Modify, update, or change any aspect of the Services, including content, features, functionality, design, pricing, or access methods

(b) Discontinue, suspend, or terminate any product, service, program, membership, or offering

(c) Migrate to different platforms, hosting providers, or technology systems

(d) Remove, replace, or update content, materials, or resources

(e) Change membership benefits, course content, or program structure

(f) Cease business operations partially or entirely

We shall have no liability to you or any third party for any modification, suspension, or discontinuation of the Services.

8.4 No Lifetime Access Guarantee

Unless expressly stated otherwise in writing, references to "lifetime access" or similar terms mean access for the life of the product or service, not your lifetime or our lifetime. Products or services may be discontinued at any time at our sole discretion.

8.5 Technology Compatibility

We do not guarantee that digital products, software, courses, or other technology-based offerings will be compatible with your devices, operating systems, browsers, internet connection, or software. You are responsible for ensuring compatibility before purchasing. Technology requirements may change over time, and products that were compatible at the time of purchase may become incompatible due to updates or changes to your systems or ours.

8.6 Technology Changes

Technology, platforms, software, tools, and digital environments change rapidly. Information, instructions, screenshots, or guidance provided in digital products may become outdated due to:

(a) Software updates or changes

(b) Platform redesigns or feature changes

(c) Discontinued services or tools

(d) Changes in third-party integrations

(e) Operating system updates

(f) Browser updates

(g) Security requirements

We are not obligated to update digital products to reflect technology changes.

8.7 Technical Support

Unless specifically stated otherwise in writing, we do not provide ongoing technical support for digital products after delivery.

Any technical support or customer service provided is at our sole discretion and may be limited, delayed, or discontinued at any time without liability.

8.8 Beta Products and Pilot Programs

Products, services, or programs labeled as "beta," "pilot," "preview," "early access," or similar designations are:

(a) Provided on an experimental basis

(b) Not final or complete versions

(c) May contain bugs, errors, or incomplete features

(d) May be changed significantly or discontinued

(e) Provided with no warranty of functionality, completion, or continued availability

By participating in beta or pilot programs, you acknowledge that you are testing unfinished products and assume all risks associated with such participation.

9. THIRD-PARTY DISCLAIMERS

9.1 Third-Party Links and Resources

The Services may contain links to third-party websites, applications, services, resources, or content that are not owned, operated, or controlled by Scale Advisors. We do not control, endorse, sponsor, recommend, or assume responsibility for any third-party websites, services, products, content, or resources.

We are not responsible or liable for:

(a) The availability, accuracy, completeness, reliability, or quality of third-party websites or services

(b) The content, products, services, advertising, or practices of third parties

(c) Any loss, damage, or harm resulting from your use of or reliance on third-party websites or services

(d) Any disputes between you and any third party

(e) Data collection, use, or disclosure practices of third parties

(f) The security, privacy, or safety of third-party websites or services

9.2 Third-Party Terms

Your use of third-party websites, services, or products is governed by the terms of service, privacy policies, and other agreements of those third parties. You are responsible for reviewing and complying with third-party terms.

9.3 Changes to Third-Party Services

Third-party platforms, services, technologies, or tools referenced in the Services may change, discontinue, or become unavailable without notice. We are not responsible for changes to third-party services that affect the applicability, relevance, or functionality of strategies, techniques, or information provided through the Services.

9.4 Platform-Specific Disclaimers

Strategies, techniques, or information related to specific platforms (such as Google, Facebook, Instagram, LinkedIn, YouTube, TikTok, Amazon, Shopify, etc.) are subject to change due to:

(a) Algorithm changes

(b) Policy updates

(c) Terms of service modifications

(d) Platform discontinuation or changes in features

(e) Regulatory or legal developments

What works today on a platform may not work tomorrow. Past success with platform-specific strategies does not guarantee future success.

You are responsible for ensuring compliance with all platform terms, policies, and guidelines.

Violation of platform terms may result in account suspension, termination, or other penalties. We are not responsible for any consequences resulting from your failure to comply with platform terms.

10. AFFILIATE RELATIONSHIPS

10.1 Affiliate Disclosure

We participate in affiliate marketing programs and may receive compensation when you purchase products or services through affiliate links included in the Services. An affiliate relationship means we may earn a commission, referral fee, or other compensation if you purchase a product or service we recommend or link to. This creates a financial incentive for us to recommend certain products or services.

10.2 No Obligation

You are not obligated to purchase through our affiliate links. You may purchase directly from the provider or through other sources.

10.3 Our Recommendations

While affiliate relationships create financial incentives, we only recommend products and services that:

(a) We believe may be valuable or beneficial (b) We have researched or personally used (where possible) (c) Align with the needs of our audience

However, our opinions may be biased due to the financial relationship, and you should conduct your own independent research and evaluation before purchasing.

10.4 No Guarantee

We make no representations, warranties, or guarantees regarding the quality, accuracy, reliability, safety, suitability, or performance of any products or services recommended through affiliate links.

We are not responsible for:

The quality or performance of third-party products or services

Customer service or support provided by third parties

Refund policies or practices of third parties

Any disputes between you and affiliate partners

Any losses or damages resulting from your purchase or use of affiliate products or services

10.5 FTC Compliance

Our affiliate relationships will be disclosed in accordance with Federal Trade Commission (FTC) guidelines at or near the affiliate link, in addition to this Disclaimer.

11. INTELLECTUAL PROPERTY AND CONTENT PROTECTION

11.1 Prohibited Uses of Content

All content provided through the Services, including courses, training materials, videos, documents, templates, software, graphics, text, and other materials, is protected by copyright, trademark, and other intellectual property laws.

You are strictly prohibited from:

(a) Reproducing, copying, duplicating, or distributing any content without express written permission

(b) Recording, screenshotting, or capturing video or audio content for redistribution

(c) Sharing login credentials or providing access to content to unauthorized individuals

(d) Uploading content to file-sharing sites, torrent sites, or other distribution platforms

(e) Selling, licensing, or commercializing our content

(f) Creating derivative works based on our content without permission

(g) Removing or altering copyright notices, watermarks, or attribution

11.2 Digital Rights Management

We may employ digital rights management (DRM), access controls, watermarking, or other technical measures to prevent unauthorized use or distribution of content. You agree not to circumvent, disable, or interfere with any security features or access controls.

11.3 Enforcement

We actively monitor for unauthorized use and distribution of our content. Violations may result in:

(a) Immediate termination of access to the Services (b) Legal action including claims for copyright infringement under the Digital Millennium Copyright Act (DMCA) (c) Pursuit of civil and criminal penalties (d) Reporting to law enforcement authorities (e) Claims for damages and attorney's fees

12. USER-GENERATED CONTENT

12.1 Community Features

The Services may include community features such as forums, discussion boards, Facebook groups, comment sections, or other interactive areas where users can post content.

12.2 No Endorsement

User-generated content does not represent the views, opinions, or positions of Scale Advisors.

We do not endorse, support, verify, or guarantee the accuracy of any user-generated content.

12.3 No Responsibility for User Content

We are not responsible or liable for:

(a) The accuracy, quality, safety, legality, or appropriateness of user-generated content

(b) Any offensive, defamatory, obscene, or objectionable content posted by users

(c) Any harm, damages, or losses resulting from your reliance on or interaction with user-generated content

(d) Any disputes between users

(e) Enforcement of community guidelines or standards

12.4 Section 230 Immunity

Under Section 230 of the Communications Decency Act, we are not liable for content posted by third parties in community areas.

We may moderate, edit, or remove user-generated content at our discretion but are under no obligation to do so.

12.5 User Responsibility

You are solely responsible for:

(a) All content you post or submit

(b) Ensuring your content complies with applicable laws and our policies

(c) Obtaining necessary permissions or consents before posting content about others

(d) Any consequences resulting from your posted content

13. INDIVIDUAL CIRCUMSTANCES VARY

13.1 No One-Size-Fits-All

Every person's situation, circumstances, goals, resources, skills, experience, and background are unique.

What works for one person may not work for another.

13.2 Your Responsibility to Evaluate

You are solely responsible for:

(a) Evaluating whether any information, strategy, technique, recommendation, or suggestion is appropriate for your specific circumstances

(b) Determining whether you have the skills, resources, time, and ability to implement any strategy or recommendation

(c) Assessing the risks and potential benefits of any action you take

(d) Making your own independent decisions

(e) Seeking professional advice when appropriate

13.3 Factors Affecting Your Results

Your results will be affected by numerous factors including but not limited to:

(a) Personal Factors: Age, education, skills, experience, personality, motivation, discipline, work ethic, learning ability, creativity, problem-solving ability, emotional intelligence, resilience

(b) Resource Factors: Available time, available money, available personnel, technology, tools, equipment, infrastructure, support systems

(c) Business Factors: Industry, niche, market size, target audience, competition, business model, pricing strategy, marketing channels, sales process, existing customers, existing reputation, existing relationships

(d) External Factors: Economic conditions, market trends, regulatory environment, technological changes, platform changes, seasonal factors, geographic location, cultural factors, political climate, global events

(e) Execution Factors: Quality of implementation, consistency of effort, ability to adapt, decision-making ability, timing, testing and optimization, customer service, operational efficiency

Because of these variables, it is impossible to predict or guarantee results.

14. JURISDICTIONAL VARIATIONS

14.1 Laws Vary

Laws, regulations, licensing requirements, tax rules, business regulations, and legal standards vary significantly by:

(a) Country (b) State or province (c) City or locality (d) Industry

14.2 Not Tailored to Your Jurisdiction

Information provided through the Services is not tailored to the specific laws, regulations, or requirements of your jurisdiction.

Strategies, techniques, or recommendations that are legal and appropriate in one jurisdiction may be illegal, prohibited, or inappropriate in another.

14.3 Your Responsibility to Comply

You are solely responsible for:

(a) Understanding and complying with all laws and regulations applicable to you, your business, and your location

(b) Obtaining any required licenses, permits, registrations, or approvals

(c) Ensuring your business practices comply with consumer protection laws, advertising regulations, privacy laws, and other applicable legal requirements

(d) Paying all applicable taxes

(e) Consulting with legal, tax, and other professionals regarding your specific compliance obligations

We are not responsible for your failure to comply with applicable laws or regulations.

15. HEALTH AND WELLNESS DISCLAIMERS

15.1 No Medical Advice

Nothing in the Services constitutes medical advice, diagnosis, treatment, or healthcare services. If the Services discuss health, wellness, fitness, nutrition, mental health, or related topics, such discussions are for general informational purposes only.

15.2 Consult Healthcare Professionals

You should consult qualified healthcare professionals before:

(a) Starting any diet, exercise, or fitness program

(b) Taking any supplements or medications

(c) Making changes to your healthcare routine

(d) Implementing any health or wellness recommendations

15.3 Individual Health Varies

Individual health conditions, medical histories, physical abilities, allergies, sensitivities, medications, and circumstances vary widely.

What is safe and appropriate for one person may be dangerous or inappropriate for another.

15.4 Mental Health

If you are experiencing mental health concerns, depression, anxiety, suicidal thoughts, or other psychological distress, seek help immediately from:

(a) A licensed mental health professional

(b) Your healthcare provider

(c) A crisis hotline (National Suicide Prevention Lifeline: 988 or 1-800-273-8255)

(d) Emergency services (911)

The Services are not a substitute for professional mental health treatment.

16. AGE RESTRICTION

The Services are intended for individuals 18 years of age or older.

By using the Services, you represent that you are at least 18 years old and have the legal capacity to enter into binding agreements.

If you are under 18, do not use the Services.

17. LIMITATION OF LIABILITY

17.1 No Liability for Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCALE ADVISORS, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, CONTRACTORS, AFFILIATES, SUCCESSORS, AND ASSIGNS (COLLECTIVELY, THE "SCALE ADVISORS PARTIES") SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES, INCLUDING BUT NOT LIMITED TO:

(a) LOSS OF PROFITS, REVENUE, INCOME, OR BUSINESS OPPORTUNITIES

(b) LOSS OF DATA OR INFORMATION

(c) BUSINESS INTERRUPTION OR WORK STOPPAGE

(d) LOSS OF GOODWILL OR REPUTATION

(e) COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES

(f) FAILURE TO ACHIEVE EXPECTED RESULTS OR OUTCOMES

(g) FINANCIAL LOSSES OR INVESTMENT LOSSES

(h) ANY OTHER INTANGIBLE LOSSES

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTORY LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF THE SCALE ADVISORS PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

17.2 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF THE SCALE ADVISORS PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES SHALL NOT EXCEED THE GREATER OF:

(a) THE TOTAL AMOUNT YOU PAID TO SCALE ADVISORS FOR THE SPECIFIC PRODUCT OR SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY; OR

(b) ONE HUNDRED DOLLARS ($100.00)

17.3 Basis of the Bargain

You acknowledge and agree that the disclaimers and limitations of liability set forth in this Disclaimer form an essential basis of the agreement between you and Scale Advisors, that we would not provide the Services absent these limitations, and that these limitations reflect a reasonable and fair allocation of risk between you and Scale Advisors.

17.4 Assumption of Risk

You assume all risks associated with:

(a) Your use of the Services

(b) Your reliance on any information, strategies, techniques, or recommendations provided through the Services

(c) Your implementation of any business strategies, marketing tactics, or financial decisions

(d) Your interactions with third parties

(e) Any actions you take or fail to take based on information obtained through the Services

You acknowledge that you are solely responsible for all decisions, actions, and results.

18. DISPUTE RESOLUTION

18.1 Arbitration Requirement

Any dispute, claim, or controversy arising out of or relating to this Disclaimer or the Services shall be resolved through binding arbitration as set forth in our Terms of Service.

You waive your right to bring claims in court or participate in class actions.

For full details on dispute resolution procedures, mandatory arbitration, class action waiver, and limitations on claims, refer to Section 14 of our Terms of Service.

18.2 Governing Law

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

19. CHANGES TO THIS DISCLAIMER

19.1 Right to Modify

We reserve the right to modify, update, or revise this Disclaimer at any time. When we make changes, we will update the "Effective Date" at the top of this Disclaimer and post the updated Disclaimer on our website.

19.2 Your Responsibility to Review

It is your responsibility to review this Disclaimer periodically. Your continued use of the Services after changes to this Disclaimer constitutes acceptance of the updated Disclaimer.

20. SEVERABILITY

If any provision of this Disclaimer is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect to the maximum extent possible, and the invalid, illegal, or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving its original intent.

21. ENTIRE AGREEMENT

This Disclaimer, together with our Terms of Service and Privacy Policy, constitutes the entire agreement between you and Scale Advisors regarding the subject matter hereof and supersedes all prior or contemporaneous understandings, agreements, representations, and warranties. No third-party beneficiaries are created by this Disclaimer, and no person or entity other than you and Scale Advisors shall have any rights under this Disclaimer.

22. NO WAIVER

Our failure to enforce any right or provision of this Disclaimer shall not constitute a waiver of that right or provision.

No waiver shall be binding unless executed in writing by Scale Advisors.

23. CONTACT INFORMATION

If you have questions about this Disclaimer, contact:

Scale Advisors LLC 8401 Mayland Drive STE A Richmond, Virginia 23294 Attention: Legal Department

Email: [email protected]

24. ACKNOWLEDGMENT AND ACCEPTANCE

BY USING THE SERVICES, YOU ACKNOWLEDGE THAT:

(a) You have read and understood this entire Disclaimer in its entirety

(b) You agree to be bound by this Disclaimer and all terms contained herein

(c) You understand that the Services are provided for informational and educational purposes only and do not constitute professional advice of any kind

(d) You understand that we make no guarantees, warranties, or promises regarding results, outcomes, earnings, or success

(e) You understand that your results will vary based on numerous factors beyond our control and that most people achieve little to no results

(f) You understand that business and financial endeavors involve substantial risk of loss and you may lose money

(g) You understand that you should only invest money you can afford to lose without jeopardizing your financial stability

(h) You assume all risks associated with your use of the Services and any actions you take based on information obtained through the Services

(i) You are solely responsible for your decisions, actions, and results

(j) You will consult with qualified professionals before making significant financial, legal, tax, business, health, or other important decisions

(k) You understand that digital products and services may become unavailable and that we have no liability for loss of access

(l) You understand that we may modify or discontinue the Services at any time without liability

(m) You have had the opportunity to seek independent legal counsel regarding this Disclaimer

(n) You acknowledge that disputes shall be resolved through binding arbitration as set forth in our Terms of Service

IF YOU DO NOT AGREE WITH ANY TERM OF THIS DISCLAIMER, DO NOT USE THE SERVICES.

FINAL WARNING

This Disclaimer contains important limitations on our liability and your rights. By using the Services, you accept these limitations and acknowledge that you have read and understood the entire Disclaimer.

If you have any questions or concerns about this Disclaimer, contact us before using the Services.

Last Updated: October 9, 2025

Scale Advisors LLC