Educational and Planning Services Only
1st Shift Finance provides educational information, budgeting support, debt payoff planning, accountability, and related services. Our services are intended to help you understand your options and organize your own financial decisions. We do not provide services that replace advice from a qualified professional who understands your individual circumstances.
No Guarantee of Results
Your financial results depend on your circumstances, choices, creditors, income, expenses, interest rates, and other factors outside our control. We do not promise or guarantee that you will eliminate debt, improve your credit, increase your savings, reach a particular financial outcome, or achieve a particular result by a specific date.
Any examples, estimates, timelines, projections, or stories we share are for illustration and education only. Your results may be different.
Not Legal, Tax, Accounting, or Investment Advice
Nothing on this website or provided through our services is legal, tax, accounting, investment, lending, insurance, or individualized financial advice. 1st Shift Finance is not a law firm, accounting firm, investment adviser, lender, creditor, credit repair organization, debt settlement company, or credit counseling agency unless expressly stated otherwise in writing.
Consult a qualified attorney, tax professional, accountant, investment adviser, or other appropriate professional before making a decision with legal, tax, investment, or other significant consequences.
No Personalized Professional Recommendation
We do not make decisions for you or act as your agent with creditors, lenders, credit bureaus, or other financial institutions. Information we provide is general and educational. You are responsible for evaluating your options and deciding what is appropriate for you.
Accuracy and Availability of Information
We make reasonable efforts to provide useful and current information, but we do not warrant that information on the website or provided through the services is complete, accurate, current, or suitable for your circumstances. Laws, rules, rates, policies, and financial conditions can change. You should verify important information and obtain professional advice before relying on it.
The website and services are provided “AS IS” and “AS AVAILABLE.” We do not guarantee that they will be uninterrupted, timely, secure, or error-free, or that any content will remain available.
Third-Party Websites, Products, and Services
The website or services may link to or reference third-party websites, applications, products, services, payment processors, communication tools, or other resources. Those third parties are governed by their own terms and privacy policies. We do not control and are not responsible for third-party content, security, availability, accuracy, or practices.
A link or reference does not mean that we endorse the third party or guarantee its products or services. Review the terms that apply before using any third-party resource.
Financial Decisions and Customer Responsibility
You are responsible for your own financial decisions and for the accuracy of information you provide. You are also responsible for reviewing information carefully, considering your goals and circumstances, completing any agreed-upon tasks, and getting professional advice when appropriate.
Do not use our educational information as a substitute for professional advice or as the sole basis for a financial decision.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, 1ST SHIFT FINANCE AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AND LICENSORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR SERVICES OR YOUR RELIANCE ON ANY INFORMATION PROVIDED.
Nothing in this disclaimer limits liability that cannot legally be limited. For additional terms governing your use of the services, please review the [Terms of Service].
No Emergency or Crisis Services
Our website and services are not emergency, crisis, legal, medical, mental-health, or other urgent-response services. We do not monitor communications continuously and cannot provide immediate assistance. If you are experiencing an emergency or crisis, contact local emergency services or an appropriate qualified crisis or support resource.
Changes to This Disclaimer
We may update this disclaimer from time to time. We will post the updated version on the website and change the effective date when applicable. Your continued use of the website or services after an updated disclaimer is posted means you acknowledge the changes.
Florida Law
This disclaimer and any dispute arising out of or relating to it will be governed by the laws of the State of Florida, without regard to its conflict-of-law rules, except to the extent applicable law requires otherwise.
Questions
If you have questions about this disclaimer, contact us at [Contact Email], by mail at [Business Mailing Address], or through [Website URL].