DISCLAIMER

By using this site and all other sites under its management, you, herein known as “User,” agree to all of the following, including our Terms and Conditions, Return Policy and Privacy Policy. This agreement sets forth rights and obligations as a User of Provider’s website and materials.

1. NON-RELIANCE

Any reliance the User places on such information is at one's own risk. In no event will the Provider be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website. Under no circumstances should the User rely on the content of any information given from the Provider in determining any entity’s tax or other liability, whether that entity presently exists or is to be created.

This website is offered as a vehicle for discussion and debate and for general informational purposes only. The employees of the Provider are not acting as your attorney. The Provider's legal document service is not a substitute for the advice of an attorney. The Provider cannot guarantee that all the information on the site is completely current. The law is a personal matter, and no general information or legal tool, like the kind the Provider offers, can fit every circumstance.

2. NO PROFESSIONAL ADVICE OFFERED

No information on this site should be considered financial, tax, legal, or medical advice. Any information provided is offered as-is, whether on this site or any other associated site, via digital communications or over the phone, constitutes lay opinion, and should not in any way be construed as financial, tax or legal advice.

• Information, materials, products, and services are based solely on independent extensive research and thorough analysis.
• The User is solely responsible for the use of any content and holds the Provider harmless in any event or claim.
• No information on this site shall be deemed as advice to or for any User’s particular situation.
• The Provider’s website(s), downloads, emails, and products are published without liability for errors, omissions, or contrary interpretations.

3. NO LICENSE OR ACCREDITION

The Provider is not a licensed:

• Financial institution, debt settlement agency, tax adviser, credit counseling agency, or credit repair organization.
• Certified financial planner, stockbroker, real estate service provider, insurance provider, broker, or law firm.
• Provider does not assist with debt settlement, credit improvement, tax services, investment advice, real estate/mortgage lending, or legal advice.

4. NO GUARANTEES IMPLIED OR EXPRESSED

• No guarantee is provided for services or results. Information is offered as-is.
• Examples are not promises of outcomes; success depends on User’s efforts and circumstances.
• The Provider is not responsible for User actions or decisions based on materials provided.

5. ALL STATEMENTS ARE OPINIONS AND NEVER FACTS

Materials may include forward-looking statements under the PSLRA. These statements use words like "anticipate," "estimate," or "believe" and reflect the Provider’s opinions, not guarantees of results.

6. RESULTS MAY BE NEGATIVE

• Debt relief services may negatively impact creditworthiness or increase debt due to fees.
• Savings from debt relief may be taxable income.

7. NO THIRD-PARTY LIABILITY

• The Provider may earn affiliate commissions from third-party links.
• No responsibility for external site content, products, or damages caused by third-party resources.
• Users must rely on their own judgment and consult professionals for legal/financial advice.

8. NO CONTROL OF THIRD-PARTIES

Links to external websites do not imply endorsement. The Provider has no control over third-party content or availability.

9. PRODUCT AVAILABILITY

The Provider is not liable for temporary website unavailability due to technical issues.

10. ARBITRATION

• Disputes must first be notified privately, then resolved via binding arbitration in the Provider’s jurisdiction.
• Arbitrator decisions are final and limited to the product price paid.
• Claims include contract, tort, federal/state law, and local regulations.
• Users waive jury trial rights for arbitral claims.

11. PRODUCT TESTIMONIALS

• Testimonials reflect individual experiences; results vary.
• Compensation may be provided for testimonials (free products/discounts).
• Testimonials may be edited for clarity. Opinions expressed are reviewers’ own.
• Submission of testimonials grants the Provider perpetual rights to use/reproduce them.

12. NOTICES

You must email claim@mortgagerecoveryusa.com for any request. All written communications must be sent via registered or certificated USPS mail only. The Provider is not responsible for late submissions or lost communications.

LAST UPDATE: 02/20/2025

U.S. SUPREME COURT RULINGS ON PRACTICE OF LAW

The disclaimer for this website is made void of legal advice. All public or private exchanges of information between our students and staff are for personal use only, protected under free speech, and never constitute willful unlawful acts against statutes, entities, or parties.

Key Judicial Precedents

“The practice of law cannot be licensed by any state.”
Schware v. Board of Examiners, 353 U.S. 238, 239 B. (1957)

“The practice of law is an occupation of common law right.”
Sims v. Aherns, 271 S.W. 720 (1925)

Even in cases of misinterpretation that advice was given, the above rulings affirm the foundational principles governing our operations. For clarification, contact claim@mortgagerecoveryusa.com.