Disclaimer

Important Notice

The information provided on Consumer Advisory (consumersadvisory.org) is for general informational and educational purposes only. By using this website, you acknowledge and agree to the following disclaimers and limitations.

No Professional Advice

Legal Advice

Consumer Advisory does not provide legal advice. We are not lawyers, and the information on this Site should not be construed as legal advice or as a substitute for consultation with a qualified attorney. If you need legal advice regarding consumer rights, contracts, disputes, or any other legal matter, please consult a licensed attorney in your jurisdiction.

Financial Advice

We do not provide financial, investment, credit, or tax advice. The information on this Site regarding credit, debt, loans, financial products, or money management is for educational purposes only and should not be relied upon as professional financial advice. Consult a licensed financial advisor, accountant, or tax professional for advice specific to your financial situation.

Medical or Health Advice

Any information regarding product safety, recalls, or health-related consumer protection is provided for informational purposes only and does not constitute medical advice. Always consult a qualified healthcare professional for medical concerns or questions.

Professional Services

We are not licensed professionals in any regulated field. We do not provide professional services of any kind. The guidance we offer is general information intended to help consumers understand their rights and make informed decisions.

“As Is” Disclaimer

Content Accuracy

ALL CONTENT ON THIS SITE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

While we make reasonable efforts to ensure the information on Consumer Advisory is accurate, current, and sourced from reliable official sources, we do not warrant or guarantee that:

• All information is complete, accurate, or up-to-date
• The Site will be error-free or uninterrupted
• Any errors or defects will be corrected
• The Site is free from viruses, malware, or other harmful components
• Information applies to your specific situation or jurisdiction

Laws, regulations, scam tactics, product recalls, and consumer protection rules change frequently. Information that was accurate when published may become outdated. We encourage you to verify all information with official sources before taking action.

No Guarantees or Warranties

Outcomes

• That following our guidance will result in any specific outcome
• That you will successfully resolve disputes, recover money, or avoid scams by using information from this Site
• That any government agency, company, or third party will respond to complaints or take action

Information Reliability

• The completeness or accuracy of information from third-party sources we link to or reference
• That official government websites, tools, or resources we link to will remain available or unchanged
• That information posted by government agencies is current or applicable to your situation

Products and Services

• The quality, safety, performance, or suitability of any product mentioned or linked on this Site
• That products mentioned have not been recalled or are still available
• That affiliate products we feature will meet your needs or expectations
• That pricing, specifications, or availability of products remain as stated

Limitation of Liability

No Liability for Damages

TO THE FULLEST EXTENT PERMITTED BY LAW, CONSUMER ADVISORY AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING BUT NOT LIMITED TO:

• Direct, indirect, incidental, punitive, or consequential damages
• Loss of profits, revenue, data, or use
• Personal injury or property damage
• Financial losses from scams, fraud, or bad purchases
• Losses from relying on information provided on this Site
• Damages from interrupted access to the Site
• Damages from viruses, malware, or other harmful code

This limitation applies even if we have been advised of the possibility of such damages.

User Responsibility

YOU ASSUME FULL RESPONSIBILITY FOR:

• Any actions you take based on information from this Site
• Verifying information before relying on it
• Consulting appropriate professionals when needed
• Your purchases, complaints, legal disputes, and interactions with third parties
• Your online security and protection of your personal information

Your use of this Site is entirely at your own risk.

Third-Party Content and Links

External Websites

Consumer Advisory contains links to third-party websites, including:

• Official government agencies
• Affiliate partners and merchants
• News sources and research organizations
• Other consumer resources

We are not responsible for:

• The accuracy, legality, or content of external websites
• Privacy practices of third-party sites
• Products, services, or information offered by third parties
• Changes to or unavailability of linked websites
• Any damages or losses from your use of third-party websites

Links to third-party websites do not constitute an endorsement. We provide links for convenience and informational purposes only. You access third-party websites at your own risk.

Government Sources

We link to official resources as sources of consumer protection information. Consumer Advisory is not affiliated with, endorsed by, or officially connected to any government agency. We are an independent, privately operated consumer awareness and information website.

Product Information and Comparisons

Affiliate Relationships

Consumer Advisory participates in affiliate marketing programs. When you click on certain product links and make a purchase, we may earn a commission at no extra cost to you. Affiliate commissions impact our content and product comparisons.

Product Mentions

When we mention, feature, or compare products:

• We do not sell products directly – all purchases are made through third-party merchants
• We are not the manufacturer or seller – we have no control over product quality, safety, availability, or customer service
• Product information may change – specifications, pricing, and availability are subject to change without notice
• We cannot verify all claims – product information is based on manufacturer specifications and public data

No Endorsement

Unless explicitly stated as an affiliate partnership, mentioning a product, service, brand, or company does NOT constitute:

• An endorsement or recommendation
• A guarantee of quality, safety, or performance
• Our opinion that the product is suitable for you
• A warranty or promise of any kind

Product Safety

We provide information about product recalls and safety alerts from official sources. However:

• We are not the official recall authority – always check official government websites for the most current recall information
• Recall lists may not be comprehensive – new recalls are issued frequently
• We cannot guarantee all safety information is current – check with manufacturers and official agencies

Consumer Rights Information

Educational Purpose

Information about consumer rights, laws, regulations, and complaint procedures is provided for educational purposes only and is not legal advice.

We cannot:

• Interpret laws for your specific situation
• Provide legal opinions or advice
• Guarantee any legal outcomes
• Represent you in disputes or legal proceedings
• File complaints on your behalf

Jurisdictional Variations

Consumer protection laws vary by state and jurisdiction. Information on this Site may not apply to your specific location or situation. Always verify laws and regulations applicable in your jurisdiction.

Changes in Law

Laws, regulations, and agency procedures change frequently. We make reasonable efforts to update information, but we cannot guarantee all legal information is current. Consult official government sources or a licensed attorney for current legal information.

Scam and Fraud Information

Educational Only

Information about scams, fraud tactics, and how to avoid them is provided for educational and awareness purposes only.

We cannot:

• Guarantee you will avoid all scams by following our guidance
• Investigate or verify whether a specific situation is a scam
• Recover money lost to scams or fraud
• Prosecute scammers or assist in criminal investigations
• Guarantee the effectiveness of any anti-scam measure

Report Scams to Authorities

If you believe you have been scammed or encountered fraud, report it to the appropriate authorities:

• Federal consumer protection agencies
• Internet crime reporting centers
• Your local police department
• Your state consumer protection office

Consumer Advisory does not investigate or resolve scam complaints.

Email Communications and Newsletters

If you subscribe to our email newsletter or alerts:

• Accuracy: We strive to provide accurate information but cannot guarantee all information in emails is current or complete at the time you receive it.
• Frequency: Email frequency may vary; we do not guarantee a specific schedule.
• Availability: We may discontinue email services at any time.
• Unsubscribe: You can unsubscribe at any time using the link in any email.

Changes to This Disclaimer

We may update this Disclaimer from time to time. Changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Site after changes are posted constitutes acceptance of the updated Disclaimer.

Severability

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

Contact Information

If you have questions about this Disclaimer, please contact us:

Email: privacy@consumersadvisory.org
Website: consumersadvisory.org

Your Acceptance

By using Consumer Advisory, you acknowledge that you have read, understood, and agree to this Disclaimer. If you do not agree, please do not use this Site.

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Last Modified: January 1, 2025