1. Educational and Informational Purposes Only

The LWPA AI Opportunity Discovery Workshop™ provides educational, informational, business-planning, and self-assessment resources.

The workshop is designed to help participants:

• Examine their present circumstances;

• Recognize potentially valuable skills, knowledge, experience, and resources;

• Evaluate possible microbusiness directions;

• Identify financial or practical limitations;

• Develop possible starting steps;

• Organize business ideas;

• Consider marketing and operational strategies; and

• Create a personalized educational action plan.

The workshop does not make decisions for you. It provides information and planning tools that you may consider when making your own decisions.

Nothing provided through LWPA should be interpreted as a promise that a particular business, career, financial strategy, or course of action is appropriate for you.

2. No Professional Advice

The workshop and its materials do not constitute individualized:

• Legal advice;

• Tax advice;

• Accounting advice;

• Investment advice;

• Securities advice;

• Financial-planning advice;

• Credit or lending advice;

• Insurance advice;

• Employment advice;

• Immigration advice;

• Medical or mental-health advice; or

• Advice from any other licensed profession.

The information provided through the workshop is not a substitute for consulting an attorney, certified public accountant, enrolled agent, licensed tax professional, financial adviser, insurance professional, lender, medical professional, or another qualified adviser who can evaluate your complete circumstances.

You should obtain appropriate professional advice before making a material legal, tax, financial, employment, investment, health, or business decision.

3. No Tax-Preparation or Professional Engagement

Although Live Wealthy Pinoy Academy is operated by TaxPro Depot, Inc., purchasing or participating in the LWPA AI Opportunity Discovery Workshop™ does not by itself create:

• A tax-preparer and client relationship;

• An accountant and client relationship;

• An attorney and client relationship;

• A financial-adviser and client relationship;

• A fiduciary relationship;

• A consulting engagement;

• A representation agreement; or

• Any other professional-client relationship.

A separate written engagement agreement may be required before TaxPro Depot, Inc. provides tax preparation, tax consulting, bookkeeping, entity filing, or another professional service.

Workshop participants should not assume that their questionnaire answers have been reviewed for tax-return preparation or professional compliance purposes.

4. Artificial Intelligence and Automated Processing

The workshop uses artificial intelligence, software, algorithms, and automated workflows to organize, summarize, classify, and analyze information submitted by participants.

AI-assisted systems may help generate:

• A financial-stability classification;

• A “Stabilize” or “Build” starting direction;

• Suggested business opportunities;

• Business-model classifications;

• Startup-capital estimates;

• Marketing suggestions;

• Implementation steps;

• Financial scenarios;

• Checklists;

• Personalized prompts;

• Progress recommendations; and

• A Personalized Opportunity Blueprint.

Artificial intelligence is not infallible.

AI-generated content may:

• Contain errors;

• Misinterpret an answer;

• Make incorrect assumptions;

• Omit important considerations;

• Produce inconsistent results;

• Rely on incomplete information;

• Present outdated information;

• Suggest an unsuitable course of action; or

• Generate language that requires clarification or correction.

You must independently review and evaluate all AI-generated information before relying on it.

You should not use an AI-generated recommendation as the sole basis for a significant business, legal, tax, financial, employment, credit, medical, or investment decision.

5. Participant-Provided Information

The quality and relevance of your Personalized Opportunity Blueprint depend substantially on the accuracy, completeness, and consistency of the information you provide.

LWPA does not independently verify every questionnaire response, including information concerning:

• Income;

• Expenses;

• Savings;

• Debt;

• Employment;

• Available capital;

• Business experience;

• Professional qualifications;

• Family obligations;

• Available time;

• Skills;

• Licenses;

• Certifications;

• Risk tolerance; or

• Personal and business goals.

Your results may be incomplete, inaccurate, or unsuitable when you provide information that is:

• Incorrect;

• Incomplete;

• Outdated;

• Misleading;

• Inconsistent;

• Estimated without reasonable care; or

• Submitted by another person using your account.

You are responsible for reviewing your submitted information and notifying LWPA of material errors when correction options are available.

6. Financial-Stability Assessment

The workshop may classify a participant’s starting direction as “Stabilize,” “Build,” or another educational category based on questionnaire answers.

This classification is an educational planning tool. It is not:

• A formal financial assessment;

• A credit evaluation;

• A financial-planning engagement;

• A debt-management plan;

• An insolvency determination;

• A loan decision;

• An investment-risk assessment;

• A diagnosis of financial hardship; or

• A guarantee that following the recommended direction will improve your finances.

A recommendation to stabilize your finances before beginning or expanding a business is not a judgment of your personal ability or future potential.

It is an educational recommendation based on the limited information available to the workshop system.

7. Business Ideas and Opportunity Recommendations

A suggested business idea represents a possible direction for further evaluation. It is not a finding that:

• A profitable market exists;

• Customers will purchase the proposed product or service;

• The idea is original;

• The idea is legally available;

• The business name or brand is available;

• You possess every required qualification;

• The business can operate in your jurisdiction;

• Financing will be available;

• You will recover your startup costs; or

• The opportunity is suitable under every aspect of your circumstances.

Before implementing a suggested business idea, you should conduct your own:

• Market research;

• Competitor analysis;

• Customer validation;

• Pricing analysis;

• Cost analysis;

• Legal research;

• Licensing research;

• Insurance review;

• Tax review; and

• Financial feasibility analysis.

LWPA may recommend that you test or validate an opportunity before committing substantial time, money, credit, or other resources.

8. No Earnings or Income Guarantee

LWPA does not guarantee that you will:

• Start a business;

• Generate revenue;

• Earn a particular amount of income;

• Obtain a particular number of customers;

• Recover your investment;

• Replace employment income;

• Become profitable;

• Reduce your taxes;

• Obtain financing;

• Build an audience;

• Complete the proposed plan;

• Reach financial independence; or

• Achieve any particular business or financial result.

Business results vary significantly among participants.

Your results may depend on factors including:

• Your background and experience;

• The accuracy of your information;

• Your available time;

• Your financial resources;

• Your implementation;

• Your consistency;

• Your communication and sales abilities;

• Customer demand;

• Competition;

• Pricing;

• Economic conditions;

• Technology changes;

• Platform policies;

• Legal and regulatory requirements;

• Unexpected expenses;

• Personal circumstances; and

• Other factors beyond LWPA’s control.

You may earn no income, and you may lose some or all of the time or money invested in pursuing a business idea.

9. Estimates, Forecasts, and Projections

The workshop may provide estimated:

• Startup costs;

• Operating expenses;

• Pricing ranges;

• Revenue scenarios;

• Profit scenarios;

• Customer targets;

• Marketing budgets;

• Implementation timelines;

• Break-even points;

• Capital ceilings; or

• Six-month and twelve-month projections.

These figures are educational planning estimates only.

They may be based on:

• Participant-provided information;

• General assumptions;

• Industry examples;

• Simplified calculations;

• Publicly available information;

• AI-generated assumptions; or

• Hypothetical scenarios.

They are not audited, verified, guaranteed, or promised results.

Actual costs, income, profitability, and timelines may be materially different. You should confirm important estimates through independent research and qualified professional advice before acting upon them.

10. Market and Technology Changes

Business conditions, customer preferences, advertising costs, platform rules, tax laws, licensing requirements, technology, artificial-intelligence tools, and economic conditions can change rapidly.

LWPA does not guarantee that every recommendation, resource, strategy, software tool, price, law, rule, or market observation will remain accurate or current after it is provided.

You are responsible for checking whether information remains applicable before implementing it.

11. Business Registration, Licensing, and Compliance

A workshop recommendation does not authorize you to conduct business.

You are responsible for determining and complying with all applicable:

• Federal laws;

• State laws;

• Local laws;

• Business-registration requirements;

• Tax registrations;

• Professional licenses;

• Occupational permits;

• Zoning rules;

• Employment laws;

• Consumer-protection requirements;

• Privacy requirements;

• Advertising requirements;

• Industry regulations;

• Insurance requirements; and

• Platform terms.

Requirements vary by business activity and location.

You should consult the appropriate government agency or qualified professional before offering regulated products or services.

12. Financing and Use of Personal Funds

LWPA does not provide loans, credit, grants, securities, investments, or financing commitments.

Any discussion of available startup capital, additional capital, personal savings, debt, borrowing, or financial risk is for educational planning purposes only.

LWPA does not instruct participants to:

• Borrow money;

• Use retirement funds;

• use emergency savings;

• Take a cash advance;

• Obtain a high-interest loan;

• Use a credit card;

• Mortgage property;

• Sell investments; or

• Risk funds needed for essential living expenses.

You are solely responsible for deciding whether and how much money to commit to a business.

Before borrowing or investing substantial funds, consider consulting a qualified financial, tax, legal, or lending professional.

13. Testimonials and Participant Experiences

Testimonials, reviews, case studies, interviews, success stories, and participant statements reflect the personal experiences or opinions of the individuals involved.

They do not guarantee or predict that another participant will obtain the same or similar result.

Individual results vary.

When a testimonial participant received free access, compensation, a discount, or another material benefit, LWPA will disclose that relationship where required.

LWPA does not authorize false, fabricated, misleading, or materially altered testimonials.

14. Third-Party Tools and Services

The workshop may refer to or integrate with third-party products and services, including:

• Artificial-intelligence platforms;

• Website platforms;

• Customer-relationship management systems;

• Payment processors;

• Email providers;

• Social-media platforms;

• Advertising platforms;

• Productivity applications;

• Business software;

• Cloud-storage providers; and

• Government or educational resources.

References to third-party services do not necessarily constitute an endorsement, partnership, sponsorship, or guarantee.

LWPA does not control the availability, accuracy, pricing, security, privacy practices, performance, terms, or policies of independent third parties.

Third-party services may change, restrict, discontinue, or charge for their products without notice to LWPA.

Your use of a third-party service is governed by that provider’s own terms and privacy practices.

15. External Links

LWPA materials may contain links to third-party websites or resources.

These links are provided for convenience or educational reference.

LWPA does not control and is not responsible for:

• Third-party content;

• Website availability;

• Security practices;

• Privacy practices;

• Products;

• Services;

• Advertising;

• Accuracy; or

• Transactions completed on external websites.

You should independently evaluate a third-party website before relying upon it or providing personal or payment information.

16. No Endorsement or Government Affiliation

Unless expressly stated in writing, LWPA and TaxPro Depot, Inc. are not affiliated with, sponsored by, approved by, or endorsed by:

• The Internal Revenue Service;

• The U.S. Small Business Administration;

• Any federal, state, or local government agency;

• Google;

• Gemini;

• OpenAI;

• ChatGPT;

• Anthropic;

• Claude;

• DeepSeek;

• GoHighLevel;

• Stripe;

• Meta;

• Facebook;

• Instagram;

• TikTok;

• YouTube; or

• Any other referenced company or platform.

All third-party names, trademarks, and service marks belong to their respective owners.

17. Personal Responsibility and Assumption of Business Risk

You remain responsible for your own decisions, actions, expenses, contracts, filings, communications, and business operations.

Participation in the workshop does not transfer responsibility for your decisions to LWPA, TaxPro Depot, Inc., its owners, employees, contractors, technology providers, or affiliates.

By choosing to implement a recommendation, you acknowledge that entrepreneurship and business activity involve uncertainty and risk.

You should not commit money or other resources that you cannot afford to lose.

18. No Guarantee of Continuous Availability

LWPA uses third-party technology and Internet-based services.

We do not guarantee that the website, workshop, membership portal, questionnaire, automation, AI provider, email delivery, or blueprint-generation system will be continuously available or free from:

• Delays;

• Interruptions;

• Errors;

• Compatibility problems;

• Service-provider outages;

• Data-transmission failures;

• Maintenance periods; or

• Events beyond our reasonable control.

When reasonably possible, LWPA may correct, replace, regenerate, or provide an alternate delivery method for affected materials.

19. Errors and Corrections

If you identify a material error in your Personalized Opportunity Blueprint or another workshop output, contact LWPA support and describe the issue.

When appropriate and reasonably possible, LWPA may:

• Clarify the recommendation;

• Correct submitted information;

• Regenerate an affected section;

• Replace a defective file;

• Provide an updated version; or

• Recommend professional review.

LWPA is not obligated to adopt every requested revision, particularly when the requested change would produce inaccurate, misleading, unlawful, or unsupported content.

20. Limitation of Reliance

You should not rely exclusively on the workshop or its AI-generated content when making a significant decision.

Before acting, you should consider:

• Verifying factual information;

• Testing customer demand;

• Reviewing current laws and regulations;

• Evaluating your financial capacity;

• Obtaining necessary licenses;

• Reviewing contracts;

• Considering possible risks;

• Consulting qualified professionals; and

• Using your independent judgment.

21. Limitation of Liability

To the fullest extent permitted by applicable law, LWPA, TaxPro Depot, Inc., and their respective owners, officers, employees, contractors, affiliates, and service providers will not be responsible for indirect, incidental, special, consequential, exemplary, or punitive losses arising from reliance on workshop information, AI-generated content, business recommendations, projections, or third-party services.

This may include loss of income, profits, customers, opportunities, data, goodwill, time, or business investment.

Nothing in this Disclaimer excludes or limits liability that cannot legally be excluded or limited.

Any additional limitations of liability contained in the LWPA Terms and Conditions also apply.

22. Consumer Rights

Nothing in this Disclaimer is intended to waive, restrict, or exclude a consumer right that cannot lawfully be waived, restricted, or excluded.

Where applicable law provides greater protection, that law will control.

23. Changes to This Disclaimer

LWPA may update this Disclaimer to reflect changes in:

• Workshop features;

• Artificial-intelligence systems;

• Business practices;

• Third-party providers;

• Applicable laws;

• Regulatory guidance; or

• Educational services.

The updated version will be posted with a revised “Last Updated” date.

The version in effect when you use the workshop will generally apply to that use, except where applicable law requires otherwise.

24. Important Information About Your Natasha Activation Key™

Activation Key Compatibility

Your Natasha Activation Key™ is specifically designed and optimized for Google's Gemini AI (gemini.google.com), which offers a free "Gems" feature that allows for persistent, personalized AI experiences.

While the Activation Key may work with other AI platforms (including ChatGPT, Claude, DeepSeek, or other tools), we cannot guarantee the same functionality, persistence, or "always-on" coaching experience outside of Gemini's environment. The activation process, "copy, paste, and it's done" experience, and the creation of a permanent coach named Natasha are designed specifically for Gemini's architecture.

It is your responsibility to:

1. Review and comply with Google Gemini's terms of service

2. Ensure you have a free Google account to access Gemini

3. Understand that Live Wealthy Pinoy Academy does not control Google's platform, features, or policies

4. Verify that the Activation Key works with your chosen AI tool before relying on it

Our Recommendation: For the full experience and to ensure your "one workshop, forever coach" promise is fulfilled, we strongly recommend using your Natasha Activation Key™ with Google's free Gemini AI.

25. Contact Information

Questions concerning this Disclaimer may be directed to:

TaxPro Depot, Inc.
Live Wealthy Pinoy Academy
Attn: LWPA Support
Email: [INSERT SUPPORT EMAIL ADDRESS]
Mailing Address: [INSERT OFFICIAL BUSINESS MAILING ADDRESS]
Website: livewealthypinoy.com