Effective Date: September 1, 2025

Legal Entity: Smart Online Business Builder

Starting your own business can carry significant risk and is not suitable for all investors. These businesses can become extremely volatile. You may sustain a total loss of your funds. No representation is being made that any person will or is likely to achieve profits or losses. Past performance is not indicative of future results. Your individual results will vary.

You acknowledge and agree that no promise or guarantee of success or profitability has been made between you and Smart Online Business Builder. By continuing to use this website, you confirm that you have read, understood, and agreed to our full Terms of Service, Privacy Policy, and Risk Disclosure.

Smart Online Business Builder may publish testimonials, screenshots, or descriptions of past performance by our students. These results are not typical. Testimonials and results do not guarantee that you will achieve similar outcomes. They are from experienced business owners who have dedicated significant time, capital, and effort to learning to scale.

We do not track the typical results of our customers. We do not have access to their personal bank accounts or statements. Therefore, we make no claim regarding what a typical customer might earn.

By accessing this website or any associated services (Discord server, YouTube videos, mentorship, etc.), you agree to:

- Use all information at your own risk

- Consult a qualified professional before making financial decisions

- Never risk more than you can afford to lose

- Acknowledge that investing in a business involves the potential loss of your entire investment

- Hold Smart Online Business Builder harmless for any losses incurred

We reserve the right to update this disclaimer at any time without notice.