Terms of Use : Important Disclaimer

SMBBalancesheet.com

Last Updated: February 04 2026

By accessing, visiting, listening to, viewing, downloading, or otherwise using SMBBalancesheet.com, its podcast episodes, website content, emails, social media, videos, or any other medium (collectively, the “Platform”), you agree to the following Disclaimer and Terms of Use in full.

If you do not agree, you must immediately discontinue use of the Platform.

1. General Information & Purpose

SMBBalancesheet.com is an informational and educational platform designed to share general opinions, commentary, and research-based discussions from industry professionals, guests, and hosts for small and medium-sized business audiences.

All content provided is for general informational purposes only and does not constitute professional advice of any kind, including but not limited to:

• Financial advice
• Accounting advice
• Legal advice
• Investment advice
• Tax advice
• Business, operational, or strategic advice

2. No Professional Relationship

Your use of the Platform does not create any:

• Advisor-client relationship
• Fiduciary relationship
• Attorney-client relationship
• Accountant-client relationship
• Consultant-client relationship

Between you and SMBBalancesheet.com, its hosts, guests, contributors, partners, affiliates, or representatives.

3. Guest Opinions & Limited Knowledge

• All statements, opinions, data, research, and materials shared by podcast guests or contributors:
• Reflect their personal views only
• Are based on their experience, limited knowledge, and publicly available research
• May be incomplete, outdated, inaccurate, or subject to change
• Are not verified, audited, or guaranteed for accuracy or completeness
• SMBBalancesheet.com does not endorse, certify, or validate any guest statement, claim, method, or recommendation.

4. User Responsibility & Due Diligence

• You acknowledge and agree that:
• You are solely responsible for your decisions, actions, and outcomes
• You will conduct your own independent due diligence
• You will consult qualified licensed professionals before making any financial, legal, tax, investment, or business decisions
• You use all content at your own risk and discretion

5. Assumption of Risk

By accessing or using the Platform, you knowingly and voluntarily assume all risks, including but not limited to:

• Financial loss
• Business failure
• Reputational damage
• Legal exposure
• Emotional, psychological, or physical stress

You understand that outcomes may vary significantly based on individual circumstances.

6. No Warranties

All content is provided “AS IS” and “AS AVAILABLE”, without any warranties, express or implied, including but not limited to:

• Accuracy
• Reliability
• Merchantability
• Fitness for a particular purpose
• Non-infringement

SMBBalancesheet.com makes no guarantees regarding results, performance, or outcomes.

7. Limitation of Liability

To the fullest extent permitted by law, SMBBalancesheet.com, its owners, hosts, guests, contributors, affiliates, and partners shall not be liable for any damages whatsoever, including but not limited to:

• Direct or indirect damages
• Incidental or consequential damages
• Punitive or exemplary damages
• Financial or monetary losses
• Business interruption
• Loss of profits or data
• Reputational harm
• Emotional or psychological distress
• Physical injury
• Intellectual property disputes
• Copyright or trademark issues
• Authenticity or source verification issues

Even if advised of the possibility of such damages.

8. Intellectual Property & Third-Party Content

All trademarks, logos, brand names, and copyrighted materials mentioned remain the property of their respective owners.

SMBBalancesheet.com does not claim ownership over third-party content and is not responsible for:

• Accuracy of third-party information
• Rights, licensing, or permissions
• Unauthorized use by listeners or viewers

9. Legal Age & Mental Capacity

By using the Platform, you represent and warrant that:

• You are at least 18 years of age (or the legal age in your jurisdiction)
• You are of sound mind and legal capacity
• You are accessing the Platform voluntarily and knowingly

10. Acceptance by Use

Your acceptance of this Disclaimer and Terms of Use is confirmed by:

• Visiting SMBBalancesheet.com
• Listening to or watching any podcast episode
• Downloading or sharing any content
• Engaging with the Platform in any form
• No physical or digital signature is required.

11. Indemnification

You agree to defend, indemnify, and hold harmless SMBBalancesheet.com and its affiliates from any claims, losses, damages, liabilities, costs, or expenses (including attorneys’ fees) arising from:

• Your use of the Platform
• Your reliance on any content
• Your violation of these terms
• Your infringement of third-party rights

12. Governing Law & Jurisdiction

This Disclaimer and all related matters shall be governed by and construed in accordance with the laws of the United States and the State of [Insert State], without regard to conflict-of-law principles.

Any disputes shall be resolved exclusively in the state or federal courts located within that jurisdiction.

13. Severability

If any provision of this Disclaimer is found unenforceable, the remaining provisions shall remain in full force and effect.

14. Updates & Modifications

SMBBalancesheet.com reserves the right to modify or update this Disclaimer at any time without prior notice. Continued use constitutes acceptance of the revised terms.

Final Note

SMBBalancesheet.com exists to educate, inform, and spark thoughtful discussion — not to replace professional judgment or individualized advice.