1. Not Financial Advice: The financial coaching services provided are for educational and informational purposes only. They do not constitute financial, investment, tax, or legal advice. The information provided is general in nature and should not be considered a substitute for personalized advice tailored to your specific financial situation.

2. No Guarantees: Virtue Nation does not guarantee any specific outcomes or results from the financial coaching services. Financial decisions and actions taken based on the information provided are at your own risk.

3. Client Responsibility: As a client, you are solely responsible for your financial decisions and outcomes. It is essential to conduct your due diligence and seek advice from qualified professionals before implementing any financial strategies or making significant financial decisions.

4. Confidentiality: Virtue Nation and its representatives respect your privacy and confidentiality. Any personal or financial information shared during coaching sessions will be kept strictly confidential, except in cases where required by law.

5. Coaching Relationship: Financial coaching is a collaborative process where the coach provides guidance, support, and education. However, the ultimate responsibility for financial decisions lies with you, the client.

6. Limitation of Liability: Virtue Nation shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with the financial coaching services, even if advised of the possibility of such damages.

7. Termination of Services: Virtue Nation reserves the right to terminate financial coaching services at any time, with or without cause, and shall not be liable for any resulting consequences.

8. Changes to Disclaimer: Virtue Nation may modify or update this disclaimer from time to time. It is the clients responsibility to review this disclaimer periodically to stay informed of any changes.

9. Legal Jurisdiction: This disclaimer shall be governed by and construed in accordance with the laws of United States of America, without regard to its conflict of law principles.

10. Agreement: By engaging in financial coaching with Virtue Nation, you acknowledge that you have read, understood, and agreed to this disclaimer in its entirety. If you do not agree with any part of this disclaimer, please refrain from using our financial coaching services. If you have any questions or concerns regarding this disclaimer, please contact us before proceeding with our services.