Disclaimer
Last updated: June 8, 2026
Please read this Disclaimer carefully before using Our Website, products, services, programs, communities, courses, memberships, digital resources, artificial intelligence tools, AI Chat Assistant, online store, events, and related offerings.
By using Our Service, You acknowledge and agree to this Disclaimer.
Interpretation and Definitions
For the purposes of this Disclaimer:
Company refers to 9975632 Canada Inc., 314-3494, boul. des Sources, Dollard-des-Ormeaux, QC H9B 1Z9, referred to as “the Company,” “We,” “Us,” or “Our.”
Website refers to stephenlibman.com, accessible from https://stephenlibman.com.
Service means the Website and all products, services, programs, memberships, communities, courses, digital content, AI tools, AI Chat Assistant, online store, resources, communications, and related offerings provided by or through the Company.
AI Tools means any artificial intelligence tools, chatbots, AI chat assistants, automated prompts, summaries, calculators, analysis tools, content generators, or AI-assisted features made available by the Company as part of the Service.
AI Chat Assistant means any AI-powered chat assistant, support tool, question-and-answer tool, educational assistant, or similar feature provided by the Company.
You means the individual accessing or using the Service, or the company, organization, or legal entity on behalf of which such individual is accessing or using the Service, as applicable.
General Information Disclaimer
The information provided through the Service is for general educational and informational purposes only.
The Company makes reasonable efforts to provide useful and accurate information, but We make no representation or warranty that any information provided through the Service is accurate, complete, current, reliable, suitable, or applicable to Your specific circumstances.
The Company assumes no responsibility for errors, omissions, inaccuracies, delays, or outdated information in the contents of the Service.
The Company reserves the right to make additions, deletions, modifications, corrections, or updates to the contents of the Service at any time without prior notice.
No Professional Advice
The Company is not engaged in rendering financial, investment, legal, tax, accounting, lending, insurance, real estate brokerage, property management, mortgage, business, or other professional advice through the Service.
Nothing provided through the Service should be used as a substitute for consultation with qualified professionals who understand Your specific circumstances.
You are responsible for seeking appropriate professional advice before making decisions involving real estate, investing, financing, taxes, legal structures, asset protection, estate planning, insurance, business operations, or any other important matter.
The Company does not act as Your financial advisor, investment advisor, lawyer, accountant, tax advisor, mortgage broker, real estate broker, insurance advisor, property manager, fiduciary, or professional representative.
Investment, Real Estate, and Business Risk Disclaimer
Any discussion of investing, real estate, financing, business, taxes, legal structures, deal analysis, property examples, return estimates, cash flow, appreciation, leverage, debt, partnerships, private lending, or related strategies is for educational purposes only.
All investing, business, and real estate decisions involve risk.
You may lose money. You may experience delays, unexpected costs, financing issues, tax consequences, legal issues, market changes, property damage, vacancy, tenant issues, currency fluctuations, regulatory changes, or other negative outcomes.
You are solely responsible for Your own due diligence, professional advice, decisions, actions, omissions, and results.
The Company does not guarantee profits, cash flow, investment returns, financing approval, successful transactions, tax results, legal outcomes, property appreciation, reduced risk, or any specific financial result.
No Guarantee of Results
Examples, case studies, testimonials, projections, calculations, worksheets, deal reviews, investment scenarios, real estate examples, coaching discussions, community posts, AI-generated outputs, or educational models are provided for illustration and education only.
They are not guarantees, promises, predictions, or assurances of future results.
Past performance, personal examples, student examples, client examples, testimonials, or case studies do not guarantee that You or anyone else will achieve the same or similar results.
Your results depend on many factors, including Your decisions, actions, resources, experience, market conditions, professional advice, financing, risk tolerance, timing, and implementation.
AI Tools and AI Chat Assistant Disclaimer
The Company may provide access to AI Tools, including an AI Chat Assistant, as part of the Website, programs, memberships, communities, resources, or related offerings.
AI-generated responses are provided for general educational and informational purposes only.
AI-generated content is not financial, investment, legal, tax, accounting, real estate, lending, insurance, professional, or personal advice.
AI-generated content may be inaccurate, incomplete, outdated, misleading, inappropriate, or unsuitable for Your specific situation. AI Tools may generate responses that appear confident even when the information is wrong or incomplete.
The Company does not guarantee the accuracy, reliability, completeness, usefulness, suitability, or timeliness of any AI-generated response.
You are solely responsible for reviewing, verifying, and deciding whether to use any information, suggestion, explanation, calculation, summary, example, prompt, or output generated by an AI Tool or AI Chat Assistant.
You should not submit sensitive, confidential, private, privileged, personal, financial, legal, tax, medical, banking, login, password, identification, or third-party confidential information into any AI Tool unless You are comfortable doing so and have the legal right to share that information.
Your use of any AI Tool or AI Chat Assistant does not create a professional, advisory, fiduciary, client, agency, brokerage, legal, tax, accounting, financial planning, or investment advisory relationship between You and the Company.
To the maximum extent permitted by applicable law, the Company disclaims all liability for any loss, damage, claim, cost, expense, decision, action, omission, or consequence arising from or related to Your use of, reliance on, or inability to use any AI Tool, AI Chat Assistant, or AI-generated content.
Errors and Omissions Disclaimer
The information provided through the Service may contain errors, omissions, inaccuracies, or outdated information.
This is especially true in areas that change frequently, including investing, real estate, tax, law, lending, insurance, software, technology, AI, markets, regulations, interest rates, currency exchange, pricing, and platform functionality.
The Company is not responsible for any errors or omissions, or for the results obtained from the use of this information.
You are responsible for independently verifying all information before relying on it.
External Links Disclaimer
The Service may contain links to external websites, platforms, tools, vendors, resources, or third-party services that are not provided, maintained, or controlled by the Company.
The Company does not guarantee the accuracy, relevance, timeliness, completeness, availability, privacy practices, security, or reliability of any information, product, service, or content provided by external websites or third-party services.
Your use of third-party websites, platforms, or services is at Your own risk and may be governed by their own terms and privacy policies.
Views Expressed Disclaimer
The Service may contain views, opinions, comments, posts, discussions, examples, or contributions from the Company, users, guests, instructors, community members, partners, contractors, or third parties.
Views and opinions expressed are those of the individual authors and do not necessarily reflect the official policy or position of the Company.
Comments, posts, and user-generated content are the responsibility of the person who submits them.
The Company is not liable for user-generated content and reserves the right to remove, edit, restrict, or delete any content at Our sole discretion.
Fair Use Disclaimer
The Company may use copyrighted material that has not always been specifically authorized by the copyright owner.
The Company may make such material available for purposes such as criticism, comment, news reporting, teaching, scholarship, research, education, or analysis.
The Company believes this may constitute fair use or fair dealing under applicable copyright law.
If You wish to use copyrighted material from the Service for purposes that go beyond fair use, fair dealing, or another applicable exception, You must obtain permission from the copyright owner.
Affiliate, Partner, and Third-Party Relationship Disclaimer
The Company may mention, link to, recommend, interview, collaborate with, or refer to third-party products, services, professionals, platforms, tools, vendors, events, or resources.
Unless clearly stated otherwise, such references do not constitute an endorsement, guarantee, partnership, agency relationship, or professional recommendation.
The Company is not responsible for the actions, omissions, advice, services, products, results, pricing, availability, or conduct of any third party.
You are responsible for performing Your own due diligence before engaging any third party.
Technology and Availability Disclaimer
The Company does not warrant that the Service will be uninterrupted, secure, timely, error-free, or free of viruses, malware, harmful code, or other harmful components.
The Company is not responsible for technical issues, downtime, data loss, platform changes, access interruptions, software errors, third-party service failures, or other issues that may affect access to or use of the Service.
“Use at Your Own Risk” Disclaimer
All information, content, tools, resources, examples, AI-generated outputs, and services are provided “as is” and “as available,” with no guarantee of completeness, accuracy, timeliness, suitability, reliability, or results.
The Company will not be liable to You or anyone else for any decision made, action taken, action not taken, loss incurred, or result obtained in reliance on information provided through the Service.
Your use of the Service is at Your own risk.
Limitation of Liability
To the maximum extent permitted by applicable law, the Company and its affiliates, directors, officers, employees, contractors, agents, service providers, partners, licensors, and suppliers shall not be liable for any special, direct, indirect, incidental, consequential, exemplary, punitive, or similar damages arising out of or related to Your access to, use of, inability to use, or reliance on the Service or its contents.
This includes, without limitation, damages for lost profits, lost revenue, lost savings, lost opportunity, loss of data, loss of goodwill, business interruption, personal or financial loss, investment loss, real estate loss, financing loss, tax consequence, legal consequence, or other damages.
Contact Us
If You have any questions about this Disclaimer, You can contact Us:
By email: disclaimer@stephenlibman.com
Company: 9975632 Canada Inc.
Address: 314-3494, boul. des Sources, Dollard-des-Ormeaux, QC H9B 1Z9
Website: https://stephenlibman.com