Disclaimer

Website Disclaimer

Effective Date: March 6, 2026
Last Updated: June 28, 2026

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This Website Disclaimer (“Disclaimer”) applies to www.jmconsultingandpublication.com (the “Site”), operated by JM Consulting and Publication (“Company,” “we,” “us,” or “our”).

By accessing, browsing, reading, downloading from, purchasing from, subscribing to, or otherwise using the Site, you acknowledge that you have read, understood, and agreed to this Disclaimer, along with our Terms and Conditions, Privacy Policy, Refund Policy, and any other legal policies posted on or linked through the Site.

If you do not agree with this Disclaimer, you should not use the Site or any materials made available through it.

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1. Educational and Informational Purposes Only

All information provided on this Site is for educational and informational purposes only.

This includes, but is not limited to:

1. Articles.

2. Blog posts.

3. Books.

4. eBooks.

5. PDF guides.

6. Downloadable materials.

7. Digital resources.

8. Templates.

9. Newsletters.

10. Examples.

11. Opinions.

12. Commentary.

13. Visuals.

14. AI-assisted content.

15. Member-only materials, if offered.

16. Product descriptions.

17. Recommendations.

18. Any other content made available through the Site.

The content on this Site is intended to provide general knowledge, education, commentary, and perspective. It should not be interpreted as professional advice, personal guidance, or a substitute for individualized consultation with a qualified professional.

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2. No Professional Advice

Nothing on this Site should be interpreted as legal, financial, investment, tax, accounting, medical, psychological, technological, business, professional, or personal advice.

JM Consulting and Publication does not provide licensed professional advice through this Site.

You should not rely on any Site content as a substitute for advice from a qualified attorney, financial advisor, accountant, tax professional, medical provider, mental health professional, business advisor, technology professional, or other qualified expert.

Before making decisions involving legal, financial, investment, medical, tax, business, educational, technological, or other important matters, you should consult an appropriate qualified professional.

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3. No Professional Relationship

Your use of this Site does not create any professional, fiduciary, advisory, consultant-client, attorney-client, financial advisor-client, tax advisor-client, medical provider-patient, therapist-client, business advisor-client, or other professional relationship between you and JM Consulting and Publication.

No professional relationship is created unless expressly agreed to in a separate written agreement accepted by the Company.

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4. User Responsibility

You are solely responsible for your own decisions, actions, interpretations, results, and outcomes.

By using this Site, you acknowledge and agree that any action you take based on information provided through the Site is taken entirely at your own discretion and risk.

You are responsible for:

1. Evaluating the accuracy, relevance, and usefulness of any information.

2. Determining whether the information applies to your specific circumstances.

3. Seeking qualified professional advice where appropriate.

4. Independently verifying information before relying on it.

5. Understanding the risks involved in any decision or action you take.

6. Accepting full responsibility for any consequences resulting from your use of Site content.

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5. No Guarantees

JM Consulting and Publication makes no guarantees regarding any specific result, outcome, improvement, profit, income, savings, success, ranking, performance, personal development, financial result, business result, investment result, educational result, technological result, legal result, health result, or other benefit from using the Site or any materials provided through it.

Any examples, explanations, case studies, scenarios, strategies, opinions, testimonials, or illustrative materials are provided for educational purposes only.

Past examples, hypothetical examples, or stated possibilities should not be interpreted as promises, guarantees, or predictions of future results.

Individual outcomes will vary based on many factors, including your background, decisions, effort, resources, timing, interpretation, implementation, market conditions, personal circumstances, and factors outside the Company’s control.

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6. Accuracy, Completeness, and Timeliness

While JM Consulting and Publication makes reasonable efforts to provide useful, thoughtful, and accurate information, we make no representation or warranty that any content on the Site is complete, accurate, current, reliable, suitable, or free from errors.

Information may become outdated, incomplete, inaccurate, or unsuitable for your specific circumstances.

The Company is under no obligation to update, revise, correct, or maintain any content, although it may choose to do so at its discretion.

You should independently verify any information before relying on it.

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7. AI-Assisted Content Disclaimer

Some content, images, summaries, outlines, examples, articles, explanations, written materials, visuals, or other resources on the Site may be created, edited, enhanced, organized, or supported through the use of artificial intelligence tools.

AI-assisted content may contain errors, omissions, outdated information, inaccurate statements, incomplete context, or interpretations that require independent verification.

AI-assisted content is provided for educational and informational purposes only and should not be relied upon as professional advice, factual certainty, or a substitute for independent research or qualified professional guidance.

You are responsible for reviewing, verifying, and evaluating any AI-assisted content before relying on it.

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8. Financial, Investment, and Business Disclaimer

Any financial, investment, money-related, business, entrepreneurship, market, economic, or strategic content provided on the Site is for educational and informational purposes only.

Nothing on the Site constitutes financial advice, investment advice, securities advice, tax advice, accounting advice, business consulting advice, or a recommendation to buy, sell, hold, invest in, avoid, or otherwise act upon any security, asset, product, company, business opportunity, financial instrument, or strategy.

You are solely responsible for your own financial, investment, tax, and business decisions.

You should consult a qualified financial advisor, investment professional, accountant, tax professional, attorney, or business advisor before making financial, investment, tax, legal, or business decisions.

JM Consulting and Publication is not responsible for any losses, damages, missed opportunities, financial consequences, business outcomes, tax consequences, or other results arising from your use of financial, investment, business, or money-related content.

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9. Medical, Health, and Wellness Disclaimer

Any health, wellness, nutrition, fitness, lifestyle, mental health, supplement, medical, or related content provided on the Site is for educational and informational purposes only.

Nothing on the Site constitutes medical advice, diagnosis, treatment, therapy, prescription guidance, or healthcare instruction.

You should consult a qualified medical provider, mental health professional, dietitian, trainer, or other appropriate professional before making decisions related to your health, wellness, diet, exercise, supplements, medication, treatment, or medical care.

Do not disregard professional medical advice or delay seeking medical care because of something you read on this Site.

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10. Legal and Tax Disclaimer

Any legal, regulatory, compliance, contract, policy, tax, corporate, publishing, intellectual property, or business-formation content provided on the Site is for educational and informational purposes only.

Nothing on the Site constitutes legal advice, tax advice, accounting advice, compliance advice, or a substitute for consultation with a licensed attorney, accountant, tax professional, or other qualified professional.

You are responsible for consulting appropriate professionals before making legal, tax, corporate, compliance, publishing, or contractual decisions.

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11. Technology and AI Use Disclaimer

Any technology, artificial intelligence, software, automation, digital tools, website, publishing, productivity, cybersecurity, or related content provided on the Site is for educational and informational purposes only.

Technology changes frequently, and information may become outdated or may not apply to your specific tools, systems, devices, platforms, or circumstances.

You are responsible for independently verifying technical information, reviewing third-party terms, protecting your own data, and consulting qualified technology professionals where appropriate.

JM Consulting and Publication is not responsible for technical errors, data loss, cybersecurity issues, account issues, platform restrictions, software problems, tool misuse, or consequences resulting from your use of technology-related content.

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12. Third-Party Links, Products, and Services

The Site may contain links to third-party websites, booksellers, retailers, tools, platforms, payment processors, scheduling services, affiliate partners, social media platforms, advertisements, products, services, or other resources.

These links and references are provided for convenience and informational purposes only.

JM Consulting and Publication does not own, operate, control, guarantee, or assume responsibility for any third-party website, platform, product, service, content, policy, privacy practice, refund practice, security practice, pricing, availability, fulfillment, delivery, customer service, or action.

Your use of third-party websites, products, platforms, or services is at your own risk and subject to the third party’s own terms, policies, disclaimers, and procedures.

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13. Affiliate, Advertising, and Sponsored Content Disclosure

The Site may include affiliate links, referral links, sponsored content, advertisements, paid promotions, product recommendations, or other commercial relationships.

If you click certain links or make purchases through certain links, JM Consulting and Publication may receive compensation at no additional cost to you.

Any affiliate relationship, sponsorship, paid promotion, or material connection will be disclosed where required by applicable law.

Compensation does not guarantee a positive review, endorsement, recommendation, or result. You are responsible for independently evaluating any product, service, platform, tool, book, or resource before purchasing or relying on it.

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14. Testimonials, Reviews, and Examples

The Site may include testimonials, reviews, examples, hypothetical scenarios, case studies, educational illustrations, or user experiences.

These materials are provided for informational and illustrative purposes only.

Testimonials, reviews, and examples reflect individual experiences or hypothetical situations and do not guarantee that you will achieve the same or similar results.

Results vary from person to person and depend on circumstances outside the Company’s control.

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15. Downloadable Materials and Digital Products

Any downloadable materials, digital products, PDFs, guides, templates, books, or member-only resources provided through the Site are offered for educational and informational purposes only.

You are responsible for ensuring that any downloaded material is appropriate for your needs, compatible with your devices or software, and reviewed before use.

JM Consulting and Publication is not responsible for any loss, damage, technical issue, data loss, device issue, software issue, or other consequence related to downloading, accessing, opening, using, or relying on digital materials.

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16. No Warranties

The Site and all content, products, downloads, links, services, communications, and materials are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.

To the fullest extent permitted by applicable law, JM Consulting and Publication disclaims all warranties, including but not limited to warranties of accuracy, completeness, reliability, timeliness, merchantability, fitness for a particular purpose, title, non-infringement, availability, security, and error-free operation.

We do not warrant that:

1. The Site will always be available, uninterrupted, secure, or error-free.

2. Site content will always be complete, accurate, current, or suitable.

3. Downloads or files will be free from viruses, malware, or harmful components.

4. Defects or technical issues will be corrected.

5. Third-party platforms will operate properly.

6. Any product, content, download, service, or material will meet your expectations or needs.

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17. Limitation of Liability

To the fullest extent permitted by applicable law, JM Consulting and Publication, including its owners, authors, contributors, affiliates, representatives, contractors, service providers, successors, and assigns, shall not be liable for any direct, indirect, incidental, consequential, special, punitive, exemplary, or other damages arising out of or related to:

1. Your use of or inability to use the Site.

2. Your reliance on any content, product, download, service, statement, example, recommendation, or third-party link.

3. Any decisions, actions, interpretations, or outcomes based on Site content.

4. Financial, investment, business, legal, tax, medical, technological, educational, or personal decisions.

5. Loss of profits, income, revenue, savings, data, business opportunities, goodwill, reputation, or other intangible losses.

6. Errors, omissions, inaccuracies, outdated information, or incomplete content.

7. Technical problems, interruptions, delays, security issues, or system failures.

8. Download issues, file issues, compatibility issues, or device problems.

9. Third-party platforms, products, services, links, policies, actions, or omissions.

10. Unauthorized access, hacking, fraud, misuse, viruses, malware, or harmful third-party activity.

11. AI-assisted content or reliance on information that requires independent verification.

This limitation applies even if JM Consulting and Publication has been advised of the possibility of such damages.

Where liability cannot be fully excluded under applicable law, liability shall be limited to the maximum extent permitted by law.

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18. Indemnification

By using the Site, you agree to indemnify, defend, and hold harmless JM Consulting and Publication, including its owners, authors, contributors, affiliates, representatives, contractors, service providers, successors, and assigns, from and against any claims, liabilities, damages, losses, costs, expenses, demands, actions, judgments, settlements, and fees, including reasonable attorneys’ fees, arising out of or related to:

1. Your use or misuse of the Site.

2. Your reliance on Site content.

3. Your decisions, actions, interpretations, or outcomes based on Site content.

4. Your violation of this Disclaimer or any other posted policy.

5. Your violation of any law, regulation, contract, or third-party right.

6. Your purchase, download, access, sharing, or use of digital materials.

7. Your use of third-party links, tools, platforms, products, or services.

8. Your unauthorized use of Company intellectual property.

9. Your submissions, communications, testimonials, feedback, or other materials provided to us.

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19. Relationship to Other Policies

This Disclaimer should be read together with our Terms and Conditions, Privacy Policy, and Refund Policy.

If there is any conflict between this Disclaimer and another posted policy, the policies shall be interpreted together to provide the maximum protection permitted by applicable law.

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20. Changes to This Disclaimer

JM Consulting and Publication reserves the right to update, revise, or modify this Disclaimer at any time.

When changes are made, the “Last Updated” date above will be revised. Updated versions will be effective immediately upon posting unless otherwise stated.

Your continued use of the Site after an updated Disclaimer is posted constitutes your acceptance of the updated Disclaimer.

If you do not agree to the updated Disclaimer, you should discontinue use of the Site.

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21. Contact Information

If you have questions about this Disclaimer, you may contact us at:

JM Consulting and Publication
Website: www.jmconsultingandpublication.com
Email: info@jmconsultingandpublication.com