This disclaimer applies to all services, programs, events, and products offered by CGWOP through our website www.cgwop.com and any affiliated platforms ("we," "us," or "our").
Scope of Services
This disclaimer covers all CGWOP offerings, including but not limited to:
- Earnings - Income generation strategies and wealth-building guidance
- Financial - Financial literacy, money management, and wealth planning education
- Wellness - Holistic money-mind-body approach to wealth creation
- Career - Career development and professional advancement guidance
- Business - Entrepreneurship, business development, and strategy consultation
- Credit - Credit improvement education and financial health strategies
- Legal - General information about legal considerations (not legal advice)
- Taxes - General tax planning information and education (not tax advice)
- Funding - Information about financing, capital access, and funding opportunities
- Digital Products - Downloadable resources, courses, templates, e-books, and online programs
- Events and Workshops
- Publications
No Income, Earnings, or Financial Guarantees
Disclaimer: No Earnings Projections, Promises, or Representations
CGWOP provides wealth-building education, coaching services, and resources designed to support your financial literacy, career advancement, business development, and generational wealth creation journey. However, we make no guarantees regarding:
- Specific financial outcomes or income levels
- Wealth accumulation results
- Career advancement or salary increases
- Business profitability or success
- Credit score improvements
- Funding or capital acquisition
- Tax savings or refunds
- Legal dispute outcomes
- Investment returns
- Any other measurable financial or professional results
Your individual success depends on numerous factors, including but not limited to: your current financial situation, credit history, employment status, business model, level of commitment, implementation of strategies, market conditions, economic environment, personal circumstances, discipline, available resources, professional network, and the time and effort you dedicate to your wealth-building journey.
Any testimonials, success stories, or examples of financial transformation, career advancement, business success, credit improvement, or other positive outcomes displayed on our website, in promotional materials, or at our events represent individual experiences only and do not constitute a guarantee or prediction of your results. These examples are provided for educational and inspirational purposes only and should be considered exceptional cases rather than typical results.
Personal Responsibility and Risks
Building generational wealth and implementing financial, career, business, credit, wellness, legal, tax, or funding strategies involves inherent risks and requires personal accountability. We do not guarantee that participation in any of our coaching programs, attendance at our events, reading our publications, use of our digital products, or implementation of our guidance will result in specific gains or positive outcomes.
You acknowledge that:
- All financial, career, business, legal, tax, credit, and funding decisions and actions you take are your sole responsibility
- There are risks associated with any investment, business venture, career change, financial strategy, credit repair activity, or funding pursuit
- Results from our coaching and educational services can vary widely and may include negative outcomes
- You assume full responsibility for all outcomes, whether positive or negative, resulting from the application of information, strategies, or guidance received through CGWOP services
- Past performance or success stories do not predict future results
- External factors beyond your or our control may significantly impact your results
Results May Vary Significantly
The effectiveness of wealth-building strategies, financial education, career coaching, business guidance, credit improvement techniques, wellness approaches, tax strategies, funding pursuits, and other coaching services is highly individual and can vary significantly from person to person.
Factors affecting your results include but are not limited to:
- Starting financial position and credit history
- Current income level, employment status, and career trajectory
- Existing expenses, debt obligations, and financial commitments
- Business experience, model, and market conditions
- Family circumstances and support systems
- Local and national economic conditions
- Industry-specific factors and competition
- Consistency and quality of implementation
- Available capital and resources
- Legal and regulatory environment
- Tax bracket and jurisdiction
- Access to funding sources
- Personal wellness, mindset, and motivation
- External market factors beyond anyone's control
CGWOP's holistic money-mind-body approach to wealth creation requires commitment to both mindset transformation and practical action. We cannot predict or guarantee your individual results in any area of service.
Not Professional Financial, Legal, Tax, Medical, or Investment Advice
IMPORTANT: The information, education, and coaching provided by CGWOP is for educational and motivational purposes only and should not be construed as:
- Professional financial planning or investment advice
- Legal counsel or representation
- Tax preparation or professional tax advice
- Medical, mental health, or licensed therapy services
- Accounting or certified public accounting services
- Licensed credit repair services
- Securities brokerage or investment advisory services
- Guaranteed funding or loan approval services
- Professional business consulting requiring licensure
You Are Strongly Encouraged To:
- Financial Matters: Consult with licensed financial advisors, certified financial planners (CFP), or registered investment advisors (RIA) before making investment decisions
- Legal Matters: Seek counsel from qualified attorneys licensed in your jurisdiction for any legal questions, contracts, or disputes
- Tax Matters: Work with certified public accountants (CPA), enrolled agents (EA), or tax attorneys for tax planning, preparation, and representation
- Credit Matters: Understand your rights under the Fair Credit Reporting Act (FCRA) and consider consulting consumer attorneys for serious credit disputes
- Business Matters: Consult with business attorneys, CPAs, and industry-specific professionals before starting or making major business decisions
- Wellness Matters: Consult with licensed medical professionals, therapists, or counselors for mental health, physical health, or medical concerns
- Funding Matters: Work with qualified financial institutions, verify legitimacy of funding sources, and review all terms with legal and financial professionals
- All Decisions: Conduct your own due diligence on any opportunity, investment, business venture, or financial product
CGWOP coaches and educators may not all be licensed attorneys, CPAs, financial advisors, therapists, credit repair specialists, or investment professionals unless explicitly stated otherwise. Our services provide general education and personal coaching support only.
Digital Products Disclaimer
As CGWOP offers digital products including courses, templates, e-books, worksheets, recorded content, and downloadable resources, please note:
- Digital products are provided "as is" without warranties of any kind
- All sales of digital products are final unless otherwise stated in our Refund Policy
- Digital products are for personal use only and may not be resold, redistributed, or reproduced
- Access to digital products may be time-limited or subject to platform availability
- We are not responsible for technical issues, compatibility problems, or user error in accessing digital products
- Results from using digital products will vary and are not guaranteed
Limitation of Liability
To the fullest extent permitted by law, CGWOP and its owners, operators, coaches, contractors, affiliates, partners, and representatives shall not be held liable for any direct, indirect, incidental, consequential, punitive, special, or exemplary damages arising out of or in connection with:
- Your participation in our coaching programs or educational services
- Use of our digital products or resources
- Attendance at our events or workshops
- Reading our publications
- Implementation of strategies, information, or guidance discussed in our services
- Any decisions made based on CGWOP content or coaching
This includes but is not limited to damages for:
- Loss of income, earnings, or profits
- Investment or trading losses
- Business failure or losses
- Loss of employment or career opportunities
- Credit score decreases or credit damage
- Tax penalties, interest, or audit costs
- Legal fees, fines, or judgments
- Loan denial or funding rejection
- Business interruption or opportunity costs
- Loss of savings, assets, or property
- Emotional distress or mental anguish
- Physical health issues
- Relationship or family problems
- Loss of data, information, or access
- Any other pecuniary or non-pecuniary losses
This limitation applies regardless of the legal theory upon which a claim is based (whether in contract, tort, strict liability, negligence, or otherwise), even if we have been advised of the possibility of such damages.
Your sole remedy for dissatisfaction with CGWOP services is to discontinue use of our services, subject to any applicable refund policy terms.
Compliance with Laws and Regulations
You are solely responsible for ensuring that your financial decisions, business activities, career actions, credit repair efforts, tax strategies, funding pursuits, and use of CGWOP services comply with all applicable federal, state, and local laws, regulations, and tax obligations.
This includes but is not limited to:
- Accurate reporting of all income to appropriate tax authorities (IRS, state, local)
- Compliance with securities laws and regulations if engaging in investments or raising capital
- Adherence to business licensing, permits, and registration requirements in your jurisdiction
- Meeting all consumer protection, truth in advertising, and fair business practice regulations
- Compliance with credit reporting laws (FCRA, FCBA, FDCPA) and proper dispute procedures
- Following employment laws, contracts, and non-compete agreements in career transitions
- Adherence to tax filing deadlines, estimated tax payments, and proper documentation
- Compliance with lending laws, disclosure requirements, and anti-fraud regulations
- Meeting professional licensing requirements for any services you may offer
- Protecting intellectual property rights and avoiding infringement
- Following data privacy and security regulations if collecting customer information
CGWOP does not:
- Provide legal compliance advice
- Guarantee that our educational content complies with all jurisdictions
- Accept responsibility for your legal or regulatory violations
- Represent that our services meet professional licensing standards in your area
You must verify the legality and appropriateness of any strategy, opportunity, or action in your specific jurisdiction and circumstances.
Third-Party Resources and Referrals
CGWOP may reference, recommend, or provide information about third-party service providers, tools, platforms, funding sources, or opportunities. We do not:
- Endorse or guarantee the quality, legality, or effectiveness of third-party services
- Accept liability for third-party actions, products, or services
- Guarantee results from third-party relationships
- Receive compensation for referrals unless explicitly disclosed
- Verify credentials or conduct background checks on all referenced parties
You are responsible for conducting your own due diligence, verifying credentials, checking references, and making informed decisions about any third-party engagement.
Acknowledgment and Agreement
By engaging with CGWOP services in any capacity, including but not limited to:
- Purchasing coaching services or digital products
- Attending events, workshops, or webinars
- Accessing content on www.cgwop.com
- Reading our publications
- Participating in programs or courses
- Communicating with our team
- Using our resources or templates
You acknowledge and agree that:
- You have read, understood, and agreed to this earnings disclaimer in its entirety
- You accept full personal responsibility for your financial, career, business, credit, legal, tax, wellness, and funding decisions and outcomes
- You understand that CGWOP provides educational services only and not professional advice
- You will seek appropriate licensed professional guidance for important decisions
- You will not hold CGWOP liable for any outcomes resulting from your use of our services
- You understand that results vary and no guarantees are made
- You assume all risks associated with implementing strategies or information from CGWOP
If you do not agree with any part of this disclaimer, you must immediately discontinue use of all CGWOP services, products, and website.
Questions or Concerns?
If you have questions about this disclaimer or any aspect of CGWOP services, please contact us at:
Email: contactus@cgwop.com
Website: www.cgwop.com
CGWOP is committed to providing quality wealth-building education and holistic support for your generational wealth journey. This disclaimer protects both you and us by establishing clear expectations about the educational nature of our services, the variability of individual results, and your personal responsibility in your wealth creation journey. We encourage you to take informed action with the support of qualified professionals appropriate to your specific