Disclaimer - UtangSmartPH

1. Educational Purpose Only

Not Professional Advice

All information provided on utangsmartph.com is for educational and informational purposes only. Our content is intended to help you understand debt management concepts and financial literacy topics relevant to the Philippine context.

Our website does NOT provide:

Financial Planning Services: We are not licensed financial planners or advisors
Legal Advice: We are not attorneys and do not provide legal counsel
Investment Recommendations: We do not recommend specific investments or securities
Tax Advice: We are not tax professionals or certified public accountants
Debt Counseling Services: We are not accredited debt counseling agencies
Credit Repair Services: We do not offer credit repair or dispute services

2. No Professional Relationship

Using Our Service Does Not Create:

Advisory Relationship

No financial advisor-client relationship is established

Attorney-Client Privilege

No legal representation or attorney-client relationship exists

Fiduciary Duty

We have no fiduciary duty or obligation to act in your best interest

Confidential Communication

Communications are not protected by professional confidentiality

3. Individual Circumstances Vary

Your Situation is Unique

Financial situations are highly individual and complex. What works for one person may not be appropriate for another. Our general educational content cannot account for:

Personal Financial Circumstances: Income, expenses, assets, liabilities
Risk Tolerance: Your comfort level with financial risk
Time Horizons: Your specific financial goals and timelines
Legal Status: Your legal situation, including pending litigation
Family Dynamics: Unique family financial obligations
Health Considerations: Medical expenses or disability factors
Employment Stability: Job security and income predictability
Regional Variations: Local laws, customs, and banking practices

4. Seek Professional Advice

Consult Qualified Professionals

Before making any financial decisions, we strongly recommend consulting with qualified professionals who are licensed to practice in the Philippines:

Certified Public Accountants (CPAs)

For tax advice, accounting services, and financial planning

Regulated by: Professional Regulation Commission (PRC)

Licensed Financial Advisors

For comprehensive financial planning and investment advice

Regulated by: Insurance Commission, Bangko Sentral ng Pilipinas

Attorneys

For legal advice regarding debt, bankruptcy, and financial law

Regulated by: Supreme Court of the Philippines, Integrated Bar

Credit Counselors

For debt management and credit counseling services

Look for: Accredited counseling agencies

5. No Guarantees or Warranties

5.1 Information Accuracy

While we strive to provide accurate and up-to-date information, we make no guarantees regarding:

Accuracy: All information may contain errors or omissions
Completeness: Our content may not cover all aspects of a topic
Currency: Laws, regulations, and financial practices change frequently
Applicability: Information may not apply to your specific situation

5.2 Results and Outcomes

We do not guarantee:

Debt reduction or elimination
Credit score improvement
Loan approval or better terms
Financial success or profitability
Specific outcomes from following our advice

6. Risks and Limitations

6.1 Financial Risks

Important Risk Considerations

Financial decisions involve risks that may result in:

Further deterioration of your financial situation
Damage to your credit score or rating
Legal consequences from creditors
Loss of assets or property
Increased debt or financial obligations
Missed opportunities for better solutions

6.2 Information Limitations

Our content may not address:

Recent changes in Philippine banking regulations
Specific bank policies or procedures
Regional variations in legal requirements
Complex financial instruments or products
International financial obligations
Special circumstances or exceptions

7. Third-Party Information and Links

7.1 External Sources

Our content may reference or link to third-party websites, studies, or resources. We are not responsible for:

The accuracy or reliability of third-party information
Changes to external websites or their content
Privacy practices of other websites
Products or services offered by third parties

7.2 User Comments and Stories

Comments, testimonials, or success stories from users:

Represent individual experiences only
Are not verified for accuracy
Should not be considered typical results
May not apply to your situation

8. Regulatory and Legal Compliance

8.1 Philippine Laws and Regulations

This disclaimer is governed by Philippine law. Important regulatory bodies include:

Bangko Sentral ng Pilipinas (BSP)

Central bank regulating financial institutions

Securities and Exchange Commission (SEC)

Regulates investment and financial services

Insurance Commission

Regulates insurance and related financial products

National Privacy Commission

Enforces data privacy and protection laws

8.2 Compliance Responsibility

You are responsible for:

Ensuring compliance with all applicable laws
Understanding your legal rights and obligations
Consulting with attorneys for legal matters
Verifying information with official sources

9. Limitation of Liability

Maximum Legal Protection

To the fullest extent permitted by Philippine law, UtangSmartPH, its founders, employees, and affiliates shall not be liable for any:

Direct, indirect, incidental, or consequential damages
Financial losses resulting from use of our information
Decisions made based on our educational content
Errors, omissions, or inaccuracies in our materials
Interruption or unavailability of our services
Actions taken by third parties

10. User Responsibility

10.1 Due Diligence

As a user, you agree to:

Exercise Your Own Judgment: Critically evaluate all information
Conduct Independent Research: Verify information from multiple sources
Seek Professional Advice: Consult qualified professionals before acting
Understand the Risks: Be aware of potential negative consequences
Take Personal Responsibility: Accept full responsibility for your decisions

10.2 Prohibited Reliance

You should NOT:

Make major financial decisions based solely on our content
Assume our information applies to your specific situation
Ignore professional advice in favor of our content
Use our content as a substitute for professional services

11. Updates and Changes

This disclaimer may be updated periodically to reflect:

Changes in Philippine law or regulations
Evolution of our services
Legal or regulatory requirements
Best practices in our industry

Continued use of our website after updates constitutes acceptance of the revised disclaimer.

12. Contact and Questions

If you have questions about this disclaimer or need clarification on any aspect of our services:

General Inquiries

info@utangsmartph.com

Legal Matters

legal@utangsmartph.com

Educational Content

Remember: We provide education, not advice