Website Terms of Use & Educational Disclaimer

1 Educational Purposes Only

All information provided by PBEF—whether through this website, written materials, workshops, consultations, emails, calculators, templates, artificial intelligence tools, or other communications—is provided solely for educational and informational purposes.

Our services are designed to provide general guidance and structured learning. They are not a substitute for licensed professional services.

2 No Legal, Tax, Accounting, or Investment Advice

PBEF does not provide:

• Legal advice
• Tax advice
• Accounting services
• Investment advice
• Securities recommendations
• Financial planning services

You are strongly encouraged to consult with a licensed attorney, certified public accountant, financial advisor, or other qualified professional before making legal, financial, tax, accounting, or investment decisions.

3 No Guarantees of Results

Business and financial outcomes depend on many factors beyond our control, including:

• Market conditions
• Economic trends
• Industry changes
• Personal effort and execution
• Risk tolerance and management decisions

PBEF makes no guarantees, representations, or warranties, express or implied, regarding revenue, profitability, funding, growth, debt reduction, investment performance, or business success.

Examples, projections, illustrations, worksheets, and case discussions are provided for educational purposes only.

4 Personal Responsibility

By using this website or participating in PBEF programs, you acknowledge that:

• You are solely responsible for your business and financial decisions.
• You decide whether and how to implement educational materials.
• You assume responsibility for any resulting financial or business outcomes.
• Participation is voluntary and undertaken at your own risk.

5 Limitation of Liability

To the fullest extent permitted by law, Precision Business Education Foundation, Inc., its officers, directors, volunteers, agents, and representatives shall not be liable for:

• Financial losses
• Business losses
• Lost profits or opportunities
• Indirect or consequential damages
• Decisions made in reliance on educational materials

Your use of this website and participation in PBEF services is at your own risk.

If liability is imposed, it shall be limited to the maximum extent permitted by law and shall not exceed the amount, if any, paid for participation in the applicable service.

6 No Fiduciary or Professional Relationship

Use of this website or participation in PBEF services does not create:

• A fiduciary relationship
• An attorney-client relationship
• An accountant-client relationship
• A financial advisor-client relationship
• Any other licensed professional relationship

7 External Resources

References to external organizations, government agencies, financial institutions, educational providers, or other resources are provided for informational purposes only.

Such references do not constitute endorsement, sponsorship, affiliation, or partnership unless expressly stated.

8 Governing Law

These Terms of Use and Educational Disclaimer shall be governed by and interpreted in accordance with the laws of the State of Florida.

9 Intellectual Property

Unless otherwise stated, all website content, educational materials, frameworks, graphics, logos, calculators, templates, publications, videos, and downloadable resources are the intellectual property of Precision Business Education Foundation, Inc.

Materials may not be copied, reproduced, distributed, modified, republished, or used commercially without prior written permission.

10 Acceptable Use

Users agree not to:

• Attempt unauthorized access to website systems
• Disrupt website functionality or security
• Use website resources for unlawful purposes
• Misrepresent an affiliation with PBEF
• Misuse or commercially exploit protected materials

11 Online Participation

Virtual programs, online tools, calculators, downloads, artificial intelligence resources, and digital materials are provided “as is” without warranties regarding uninterrupted access, compatibility, technical performance, or availability.

12 Donations

Contributions made to Precision Business Education Foundation, Inc. are voluntary and generally non-refundable except where required by law.

No goods or services are provided in exchange for donations unless explicitly disclosed.

Precision Business Education Foundation, Inc. is a nonprofit organization. Donations may be tax deductible to the extent permitted by applicable law. Donors should consult their tax professionals regarding their individual circumstances.

13 Contact Information

14 AI & Technology Disclaimer

Certain educational resources, tools, calculators, templates, or demonstrations may incorporate artificial intelligence or automated systems.

These resources are provided for educational purposes only and may contain errors, omissions, limitations, or outdated information. Users should independently verify information before making business, legal, financial, tax, accounting, or operational decisions.

15 Information Accuracy

Precision Business Education Foundation strives to provide accurate, current, and useful information. However, we make no guarantees regarding the completeness, accuracy, reliability, or timeliness of website content.

Information may be updated, modified, corrected, or removed without prior notice.