Legal Disclaimer

1. Educational Purposes Only

Spencer's Financial Solutions provides financial coaching and educational information services. All information shared through this website, contact forms, emails, consultations, or coaching sessions is for general educational purposes only and should not be considered financial, legal, tax, or investment advice.

2. Not a Financial Advisor or Fiduciary

Spencer's Financial Solutions is not a registered investment advisor, broker-dealer, or fiduciary. We do not provide individualized investment recommendations, manage assets, or offer specific advice regarding securities, insurance products, or tax strategies.

3. No Guarantees or Promises

Financial outcomes vary based on individual circumstances, habits, and decisions. While we strive to provide valuable education and guidance, we do not guarantee specific results, including debt reduction timelines, credit score improvements, income growth, or any financial outcome.

4. Client Responsibility

• You are solely responsible for your financial decisions.
• Any actions taken based on coaching or educational content are your own.
• Spencer's Financial Solutions is not liable for decisions made as a result of the information provided.

5. Confidentiality & Privacy

Your privacy matters. Any personal information shared through our contact forms or consultations is kept confidential and used only for communication and service purposes. We do not sell or share your information with third parties.

6. No Client Relationship Created

Submitting a contact form, sending an email, or participating in an initial consultation does not create a formal client relationship. A coaching relationship is established only after mutual agreement and acceptance of service terms.