Disclaimer

Last Updated: February 18, 2026

Please read this disclaimer carefully before using PersonalOne.org (the "Website"). By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer.

1. Not Financial, Legal, or Tax Advice

The information provided on PersonalOne.org is for educational and informational purposes only and does not constitute financial, investment, legal, tax, or accounting advice. PersonalOne, its owner Don Briscoe, and its contributors are not licensed financial advisors, certified financial planners, investment advisors, attorneys, certified public accountants (CPAs), or tax professionals.

The content on this Website should not be considered personalized financial guidance or recommendations tailored to your individual circumstances. We do not know your specific financial situation, risk tolerance, investment goals, income, expenses, debt obligations, family circumstances, or any other factors that would be necessary to provide personalized advice.

You should not rely solely on the information provided on this Website when making financial decisions. Always consult with qualified professionals—including licensed financial advisors, CPAs, attorneys, and other specialists appropriate to your situation—before making decisions regarding:

• Investment strategies or asset allocation
• Tax planning or filing
• Debt management or bankruptcy
• Real estate purchases or sales
• Insurance needs and coverage
• Estate planning or trusts
• Business formation or operations
• Retirement planning
• Credit repair strategies
• Any other significant financial decisions

2. Educational Content Only

PersonalOne provides educational frameworks, systems, and strategies related to personal finance management. This content is designed to help individuals understand financial concepts, build knowledge, and make more informed decisions. However, understanding concepts is not the same as receiving personalized advice.

The frameworks, systems, examples, scenarios, calculations, and strategies presented on this Website are general in nature and may not be appropriate for your unique situation. Your financial circumstances depend on numerous individual factors that we cannot account for in general educational content.

3. Individual Results Will Vary

Any examples, case studies, success stories, timelines, or financial projections provided on this Website are for illustrative purposes only and should not be interpreted as typical results, guarantees, or promises of specific outcomes. Your actual results will depend on numerous factors including but not limited to:

• Your income level and stability
• Your expense levels and obligations
• Your debt amounts and interest rates
• Your credit score and history
• Your discipline in implementing strategies
• Economic conditions and market performance
• Changes in laws, regulations, and tax codes
• Life circumstances and unexpected events
• Geographic location and local cost of living
• Time horizon and consistency of implementation

Past performance does not guarantee future results. Economic conditions, market performance, interest rates, tax laws, and regulatory requirements change over time and can significantly impact financial outcomes.

4. No Guarantees or Warranties

PersonalOne makes no representations, warranties, or guarantees regarding:

• The accuracy, completeness, timeliness, or reliability of any information on this Website
• The suitability of any strategy, framework, or recommendation for your situation
• The results you will achieve by implementing any strategy or system
• That the content is free from errors, omissions, or technical inaccuracies
• That the Website will be uninterrupted, secure, or error-free

While we strive to provide accurate and helpful information, we cannot guarantee that all content is current, complete, or correct. Financial regulations, tax laws, and best practices change frequently, and some content may become outdated despite our efforts to keep it current.

5. Investment Risks

Investing involves risk, including the potential loss of principal. The value of investments may fluctuate, and you may receive back less than your original investment. Different types of investments involve varying degrees of risk.

This Website does not recommend specific investments, securities, or investment products. Any discussion of investment strategies, asset allocation, or investment types is educational in nature and not a recommendation to buy, sell, or hold any specific investment.

Before investing, you should:

• Carefully consider your investment objectives, risk tolerance, and time horizon
• Review prospectuses, fund documents, and fee schedules
• Understand the risks associated with each investment type
• Consult with a licensed financial advisor or investment professional
• Conduct your own research and due diligence

6. Debt Management and Credit Repair

Information about debt management, debt relief, debt settlement, credit repair, and bankruptcy on this Website is educational only. These strategies have serious financial and legal implications that vary by jurisdiction.

PersonalOne does not provide debt relief services, credit counseling, or legal advice regarding bankruptcy. Before pursuing any debt relief strategy, you should consult with:

• A nonprofit credit counseling agency accredited by the National Foundation for Credit Counseling (NFCC)
• A bankruptcy attorney licensed in your state (if considering bankruptcy)
• A CPA or tax professional (regarding tax implications of forgiven debt)

Debt settlement can severely damage your credit score, result in tax liabilities on forgiven debt, and expose you to lawsuits. Bankruptcy has long-term credit and legal consequences. These decisions should only be made after thorough consultation with qualified professionals.

7. Real Estate and Lending

PersonalOne is not a licensed real estate agent, mortgage broker, or lending institution. Information about real estate investing, mortgages, home buying, or property management is educational only.

Real estate transactions involve substantial financial risk, legal complexity, and market variability. Before making any real estate purchase, investment, or financing decision, consult with qualified professionals including real estate attorneys, licensed real estate agents, mortgage brokers, home inspectors, and financial advisors.

8. Tax Information

Tax laws are complex, vary by jurisdiction, and change frequently. Information about taxes on this Website is general educational content only and should not be considered tax advice.

Consult a licensed CPA, enrolled agent, or tax attorney before making tax-related decisions. Tax strategies that benefit one person may be inappropriate or illegal for another depending on individual circumstances, income sources, deductions, credits, filing status, and applicable state and local laws.

9. Insurance and Benefits

PersonalOne is not licensed to sell insurance products or provide insurance advice. Any discussion of insurance types, coverage levels, or insurance strategies is educational only.

Before purchasing insurance or making decisions about coverage, consult with licensed insurance professionals who can assess your specific needs, explain policy terms, and provide appropriate recommendations.

10. Affiliate Relationships and Compensation

PersonalOne may receive compensation through affiliate relationships, sponsored content, or advertising. When we include affiliate links to products or services, we may earn a commission if you make a purchase through those links at no additional cost to you.

Affiliate relationships do not influence whether we include a product or service in our content. We only recommend products and services that we believe provide genuine value to our audience. However, you should conduct your own research and due diligence before purchasing any product or service.

When affiliate links are present in an article, they are clearly disclosed within the content with language such as "(affiliate link)" or similar notation.

11. External Links and Third-Party Content

This Website may contain links to external websites, resources, or third-party content for reference or additional information. PersonalOne does not control, endorse, or take responsibility for:

• The content, accuracy, or availability of external websites
• The privacy practices or terms of service of third-party sites
• Products, services, or advice provided by external sources
• Changes to external content after we link to it

Links to government websites (IRS, SEC, FDIC, Federal Reserve, etc.) and nonprofit organizations (NFCC, etc.) are provided for official information and regulatory guidance. Always verify you are on the official website before providing personal information or making decisions based on content.

12. User Responsibility

By using this Website, you acknowledge and agree that:

• You are solely responsible for your own financial decisions
• You will conduct your own research and due diligence
• You will consult qualified professionals before making significant financial decisions
• You understand that PersonalOne is not providing personalized advice
• You will not hold PersonalOne liable for any losses, damages, or negative outcomes resulting from decisions you make

13. Limitation of Liability

To the maximum extent permitted by law, PersonalOne, its owner, contributors, and affiliated parties shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

• Your use of or inability to use this Website
• Financial decisions made based on information from this Website
• Errors, omissions, or inaccuracies in content
• Unauthorized access to or alteration of your data
• Statements or conduct of third parties on the Website
• Any other matter relating to the Website or its content

This includes but is not limited to financial losses, investment losses, lost profits, business interruption, loss of data, or any other commercial damages or losses.

14. Jurisdiction and Governing Law

This Disclaimer and your use of this Website are governed by the laws of the State of New York, United States, without regard to its conflict of law provisions. Financial regulations, consumer protection laws, and legal requirements vary by jurisdiction. Some strategies or recommendations discussed on this Website may not be legal or appropriate in your location.

15. Changes to This Disclaimer

PersonalOne reserves the right to modify, update, or change this Disclaimer at any time without prior notice. The "Last Updated" date at the top of this page indicates when the Disclaimer was most recently revised. Your continued use of the Website after any changes constitutes your acceptance of the updated Disclaimer.

We encourage you to review this Disclaimer periodically to stay informed of any changes.

16. Severability

If any provision of this Disclaimer is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect to the maximum extent permitted by law.

17. Contact Information

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

PersonalOne
Email: info@personalone.org
Website: https://personalone.org

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