the fine print.

SECTION 01educational content. not financial advice.

The materials available through Savvie — including but not limited to guides, templates, calculators, newsletters, blog posts, social media content, podcasts, videos, courses, downloadable products, and any conversations or correspondence with the founder or representatives — are provided strictly for educational and informational purposes.

They do not constitute, and should not be construed as, financial, investment, tax, legal, or accounting advice. The content is general in nature and is not tailored to your specific financial situation, goals, or risk tolerance.

SECTION 02no advisory or fiduciary relationship.

Use of Savvie's materials does not create a fiduciary, advisor, broker, or client relationship between you and Savvie or any of its representatives, including the founder, contributors, employees, contractors, board members, or affiliates.

Savvie is not a registered investment advisor, broker-dealer, financial planner, certified financial planner (CFP), tax professional, certified public accountant (CPA), insurance agent, or attorney. Savvie does not hold any professional licenses to provide personalized advice in any of these areas.

If you need personalized guidance, consult a licensed professional who can review your specific circumstances.

SECTION 03no recommendations or solicitations.

Any specific products, accounts, securities, ETFs, mutual funds, stocks, bonds, cryptocurrencies, platforms, brokerages, banks, insurance products, or strategies referenced in Savvie's materials are mentioned as educational examples only.

They are not recommendations or solicitations to buy, sell, hold, or transact in any investment or financial product. Mention of a product, brand, or institution does not constitute an endorsement.

Past performance of any investment, strategy, or category referenced is not indicative of future results.

SECTION 04inherent risk + no guarantees.

All financial decisions involve risk, including but not limited to the potential loss of principal. Investing, in particular, can result in the partial or total loss of the money you invest.

Savvie makes no guarantees about returns, outcomes, savings, debt reduction, financial security, retirement readiness, or any other financial result. Outcomes vary based on individual circumstances no general guide, template, or piece of content can account for.

Historical performance data, market statistics, and projections referenced in Savvie content are based on publicly available sources at the time of publication and may not reflect current conditions.

SECTION 05personal responsibility.

Before acting on any information provided by Savvie, you should consult with a licensed financial advisor, certified public accountant, attorney, or other qualified professional who can evaluate your specific financial situation, goals, and risk tolerance.

You alone are responsible for your financial decisions and the outcomes of those decisions. By using Savvie's materials, you acknowledge that any actions you take, or fail to take, based on the content are taken at your own discretion and at your own risk.

SECTION 06limitation of liability.

To the fullest extent permitted by applicable law, Savvie, its founder, contributors, employees, contractors, board members, and affiliates disclaim all liability for any losses, damages, or adverse outcomes — including without limitation direct, indirect, incidental, consequential, special, or punitive damages — arising from or related to the use of, or reliance on, Savvie's materials or any information they contain.

This includes, but is not limited to, losses from investment decisions, tax decisions, debt decisions, business decisions, and any other financial actions taken based on Savvie content.

SECTION 07third-party links + content.

Savvie content may reference or link to third-party websites, products, services, or content. Savvie does not endorse, control, or take responsibility for the accuracy, content, or practices of any third party. Inclusion of a link does not constitute an endorsement.

Some links may be affiliate links that pay Savvie a small commission at no additional cost to you. This will be disclosed where applicable, and does not affect the educational content's substance.

SECTION 08tax-deductibility + organizational status.

Savvie is currently a project of Teague Media, exploring formal 501(c)(3) nonprofit status. Until formal incorporation as a 501(c)(3):

• purchases of digital products are not tax-deductible.
• donations and contributions are not tax-deductible.
• Savvie cannot issue tax-deductible donation receipts.

Savvie will update donors and customers when its tax status changes. Until then, treat all transactions with Savvie as standard for-profit purchases or non-deductible contributions.

SECTION 09updates to this disclaimer.

Savvie may update this disclaimer from time to time. The "last updated" date at the top of this page reflects the most recent revision. Material changes will be communicated via the Savvie Scoop newsletter or directly to active customers when relevant.

Continued use of Savvie's materials after a disclaimer update constitutes acceptance of the revised terms.

SECTION 10jurisdiction + governing law.

This disclaimer is governed by the laws of the State of California, United States, without regard to its conflict-of-law provisions. Any disputes arising from or related to Savvie's materials or this disclaimer shall be resolved in the courts of California.

If any provision of this disclaimer is found to be unenforceable, the remaining provisions shall continue in full force and effect.