Financial Disclaimer
The information provided on harnessmoney.com, including articles, newsletters, videos, downloads, calculators, social-media posts, emails, and other content, is for general educational and informational purposes only.
Nothing published by Harness Money constitutes personalized financial, investment, tax, legal, accounting, insurance, credit, retirement, or estate-planning advice.
No Professional Relationship
Harness Money is not acting as your:
- Financial adviser
- Investment adviser
- Broker or dealer
- Fiduciary
- Attorney
- Accountant
- Tax professional
- Insurance agent
- Credit counselor
- Lender
Your use of the Website does not create an adviser-client, fiduciary, professional, or confidential relationship between you and Harness Money.
You should consult appropriately licensed professionals before making financial, investment, tax, legal, insurance, credit, or retirement decisions.
Investment Risk
All investments involve risk, including the possible loss of principal.
Stocks, bonds, exchange-traded funds, mutual funds, real estate, options, cryptocurrency, leveraged investments, high-yield securities, dividend strategies, covered-call strategies, and other investments can lose value.
Some investments and strategies discussed on the Website may involve substantial risk and may not be appropriate for every investor.
Past performance does not guarantee future results. Historical returns, dividend payments, yields, projections, estimates, examples, and hypothetical results are not guarantees of future performance.
You are solely responsible for determining whether an investment or strategy is appropriate for your financial situation, objectives, time horizon, and risk tolerance.
Personal Portfolio Information
Harness Money may discuss the owner’s or author’s personal investments, financial accounts, portfolio allocations, income, expenses, financial goals, or transactions.
These disclosures are provided for educational and illustrative purposes only.
The author’s financial situation may differ significantly from yours. A decision that is appropriate for the author may not be appropriate for you.
Personal portfolio information should not be interpreted as a recommendation to buy, sell, hold, or avoid any security, financial product, or investment strategy.
The author may change an investment position at any time without updating previously published content.
No Buy or Sell Recommendations
References to a stock, fund, bond, financial product, credit card, bank account, investment platform, or strategy do not constitute a recommendation or solicitation to buy, sell, trade, apply for, or invest in that product.
Harness Money does not guarantee that any security, investment, product, company, or strategy discussed will be profitable or suitable for you.
You should conduct your own research and consult a qualified professional before making a financial decision.
No Guarantees of Results
Harness Money does not guarantee that you will:
- Earn investment income
- Receive dividends
- Achieve a specific return
- Build wealth
- Improve your credit
- Reduce your expenses
- Increase your income
- Reach financial independence
- Qualify for a financial product
- Receive a particular interest rate, reward, bonus, or offer
- Achieve any other financial result
Examples, case studies, income reports, portfolio results, projections, and personal experiences are not promises or guarantees of future results.
Your results will depend on factors including your financial circumstances, decisions, effort, market conditions, fees, taxes, interest rates, timing, and risk tolerance.
Accuracy and Timeliness
Harness Money makes reasonable efforts to publish useful and accurate information, but financial information can change quickly.
Stock prices, interest rates, dividend amounts, yields, tax rules, contribution limits, laws, regulations, fees, rewards, promotional offers, credit-card terms, and other financial information may change after content is published.
Harness Money does not guarantee that all information is complete, accurate, current, or free from errors.
You should independently verify important information with the relevant financial institution, government agency, issuer, provider, or licensed professional before relying on it.
Tax Information
Any tax-related information published by Harness Money is general educational information only.
Tax laws are complex and may change. Tax consequences vary based on individual circumstances.
Harness Money does not provide tax advice and does not guarantee any particular tax treatment or result.
Consult a qualified tax professional before making decisions that may have tax consequences.
Credit and Lending Information
Harness Money may discuss credit cards, loans, bank accounts, mortgage products, credit scores, rewards programs, or other financial products.
Harness Money is not a lender, bank, credit-card issuer, credit bureau, or financial institution unless expressly stated otherwise.
Approval decisions, credit limits, rates, fees, rewards, bonuses, and account terms are determined solely by the applicable provider.
Harness Money does not guarantee approval, eligibility, credit improvement, or access to a particular offer.
Applying for financial products may affect your credit. Review all terms and consider your circumstances before applying.
Affiliate Relationships and Compensation
Harness Money may receive compensation from advertisers, affiliate partners, financial institutions, or other companies when visitors click links, apply for products, open accounts, make purchases, or complete qualifying actions.
This compensation may influence which products are discussed or how they are presented.
Affiliate compensation does not increase the price you pay unless otherwise disclosed.
Harness Money strives to provide honest opinions, but you should independently evaluate every product or service before making a decision.
Additional information is available in the Website’s Affiliate Disclosure.
Third-Party Information and Links
The Website may include information from or links to third-party websites, financial institutions, investment platforms, government agencies, advertisers, and other services.
Harness Money does not control third parties and is not responsible for their accuracy, availability, security, policies, fees, terms, or business practices.
The inclusion of a third-party link does not necessarily constitute an endorsement.
You are responsible for reviewing a third party’s terms, disclosures, fees, risks, and privacy practices before using its products or services.
Calculators, Estimates, and Projections
Any calculator, worksheet, projection, forecast, model, or estimate provided by Harness Money is for educational purposes only.
Results depend on the assumptions and information entered. Actual results may differ materially.
Calculators and projections may not account for all relevant factors, including:
- Taxes
- Fees
- Inflation
- Market volatility
- Changes in interest rates
- Changes in income or expenses
- Investment losses
- Changes in laws or regulations
Do not rely solely on a calculator or projection when making a financial decision.
Artificial Intelligence and Automated Content
Harness Money may use artificial-intelligence tools to assist with research, drafting, editing, calculations, organization, or content creation.
AI-generated or AI-assisted content may contain errors, omissions, outdated information, or incorrect assumptions.
All important financial information should be independently verified before you rely on it.
Limitation of Responsibility
You assume full responsibility for decisions made based on information obtained from Harness Money.
To the maximum extent permitted by law, Harness Money and its owner, authors, contributors, affiliates, and service providers are not responsible for financial losses, investment losses, lost income, tax consequences, credit decisions, missed opportunities, or other damages arising from your use of or reliance on Website content.
Contact Information
Questions about this Financial Disclaimer may be sent to:
Harness Money
Website: harnessmoney.com
Email: theharnessmoneyreport@gmail.com
Location: Texas, United States