Disclaimers and Disclosures
General Educational Disclaimer
The information provided in this assessment/material is for educational and informational purposes only. It is not intended to provide specific advice or recommendations for any individual's particular situation. The content should not be construed as professional advice in areas including but not limited to financial planning, legal matters, insurance, real estate, or healthcare decisions.
Individual circumstances vary significantly, and what may be appropriate for one person may not be suitable for another. We strongly recommend that you consult with qualified professionals before making any decisions based on this information.
Financial and Investment Disclaimers
Investment Advisory Services: Christopher Minotti is a registered representative and investment advisor representative of Ameriprise Financial Services, LLC. Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Investment Risk Disclosure: All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Market conditions, interest rates, and economic factors can significantly impact investment performance.
No Guarantee of Results: No strategy assures success or protects against loss. The projections or other information shown regarding the likelihood of various investment outcomes are hypothetical in nature and do not reflect actual investment results.
Suitability: Any investment recommendations made will be based on your individual financial situation, investment objectives, and risk tolerance as disclosed during our consultation process.
Legal and Estate Planning Disclaimers
Attorney-Client Relationship: The information provided does not create an attorney-client relationship between you and Ronald J. Gogul, Esq., or Gogul & Associates. An attorney-client relationship is established only through a signed engagement letter.
Legal Advice Limitation: This material contains general legal information and should not be construed as legal advice for your specific situation. Laws vary by state and jurisdiction, and legal requirements change over time.
Estate Planning Complexity: Estate planning involves complex legal, tax, and financial considerations. The effectiveness of any estate planning strategy depends on individual circumstances and current laws, which are subject to change.
Professional Consultation Required: You should always consult with a qualified attorney licensed in your state before making estate planning decisions or executing legal documents.
Insurance and Health Information Disclaimers
Insurance Agent Disclosure: Jim Gnizak is a licensed insurance agent representing various insurance companies. Product availability and features may vary by state and insurer.
Health Information Limitation: Any health-related information provided is for educational purposes only and should not be considered medical advice. Always consult with qualified healthcare professionals regarding your specific health needs and medical decisions.
Insurance Product Disclosure: Insurance products involve costs, limitations, and exclusions. Policy benefits, terms, and availability vary by insurer and state. Guarantees are based on the claims-paying ability of the issuing insurance company.
Underwriting Requirements: Approval for insurance coverage is subject to underwriting guidelines and may require medical examinations, health questionnaires, and other requirements determined by the insurance company.
Real Estate Disclaimers
Real Estate Services: Monica Woodman is a licensed real estate professional with Keller Williams Greater Metropolitan. Real estate services are provided in accordance with applicable state licensing requirements.
Market Conditions: Real estate markets are subject to fluctuation. Property values, market trends, and transaction timelines can be affected by numerous economic and local factors beyond our control.
Individual Results Vary: Real estate transaction outcomes depend on numerous factors including property condition, location, market timing, and individual circumstances. Past results do not guarantee future performance.
Professional Consultation: Real estate transactions involve complex legal and financial considerations. We recommend consulting with qualified professionals including attorneys, accountants, and inspectors as appropriate.
Senior Housing and Navigation Disclaimers
Navigation Services: Butterfly Guides provides senior housing navigation and advocacy services. We do not own or operate any senior living communities and maintain independence in our recommendations.
No Financial Interest: Our senior housing navigators do not receive financial compensation from communities for referrals, ensuring unbiased guidance in your decision-making process.
Individual Assessment Required: Senior care needs vary significantly among individuals. Our assessments and recommendations are based on information provided and should be supplemented with professional medical and social work evaluations as appropriate.
Community Verification: While we strive to provide accurate information about senior living communities, policies, pricing, and availability can change. We recommend independent verification of all community information before making decisions.
Privacy and Data Protection
Information Collection: Any personal information collected through assessments or consultations is used solely for the purpose of providing requested services and recommendations.
Confidentiality: We maintain strict confidentiality regarding all client information shared during our interactions, subject to applicable legal and professional standards.
Data Security: We implement reasonable safeguards to protect personal information, though no electronic transmission or storage method is 100% secure.
Third-Party Sharing: Personal information may be shared with other professionals within our network solely for the purpose of providing coordinated services, and only with your explicit consent.
Limitation of Liability
No Warranties: The information and services are provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose.
Limitation of Damages: To the fullest extent permitted by law, our liability for any damages arising from the use of our information or services is limited to the amount paid for such services.
External Factors: We are not responsible for changes in laws, regulations, market conditions, or other external factors that may affect the relevance or accuracy of information provided.
Professional Licensing Information
- Christopher Minotti: Licensed Financial Advisor, Ameriprise Financial Services, LLC
- Ronald J. Gogul, Esq.: Licensed Attorney, State of Ohio, Bar Admission 1970
- Monica Woodman: Licensed Real Estate Professional, Ohio Real Estate License, SRES® Designation
- Jim Gnizak: Licensed Insurance Agent, HealthMarkets Insurance Agency
- Patrice (Butterfly Guides): Senior Housing Navigator, Co-Founder Butterfly Guides
License numbers and additional regulatory information available upon request.
Updates and Changes
This disclaimer and disclosure information is current as of [DATE] and is subject to change without notice. We recommend reviewing current disclosures before engaging our services.
Contact for Questions
If you have questions about these disclosures or need clarification about any of our services, please email us directly at support@butterflyguides.com before proceeding with any assessments or consultations.
IMPORTANT NOTICE: These disclaimers and disclosures should be reviewed by qualified legal counsel to ensure compliance with all applicable regulations and professional standards. Different jurisdictions may have varying requirements for professional disclosures.