DISCLAIMER

Effective Date: March 2026

This Disclaimer governs your use of www.thehowofbusiness.com (the “Website”), The How of Business podcast, digital downloads, online tools, workshops, coaching services, and any related services or content provided by Levante Business Group, LLC (“Company,” “we,” “us,” or “our”) and Henry Lopez (“Coach”).

By using this Website or participating in any of our services, you agree to the terms below.

1. General Information Only

All information provided on this Website, in the podcast, through coaching programs, workshops, downloads, assessments, tools, AI-generated outputs, or other materials is for general informational and educational purposes only.

Nothing contained on this Website or in our services constitutes:

Legal advice
Financial or investment advice
Tax advice
Accounting advice
Medical or behavioral health advice
Psychological or therapeutic services
Any other form of licensed professional advice

You are responsible for seeking qualified professionals for advice specific to your situation.

2. No Professional-Client Relationship

Your use of this Website, podcast, email communications, community participation, social media interaction, or purchase of digital products does not create:

An attorney-client relationship
An accountant-client relationship
A therapist-client relationship
A fiduciary relationship
Or any other formal professional relationship

A coaching relationship exists only when both parties have entered into a signed written agreement and payment has been received.

3. Business Coaching & Workshop Services

Scope of Services

Coach provides business coaching, strategic guidance, and educational services. Coach is not acting as a lawyer, CPA, financial advisor, therapist, or other licensed professional.

Nothing provided during Coaching Services is a substitute for professional legal, accounting, tax, financial, or mental health advice.

You agree to consult your own licensed professionals regarding your specific business and financial decisions.

Personal Responsibility

You acknowledge that you are solely responsible for:

Your business decisions
Your financial results
Your operational outcomes
Your personal well-being

You accept full responsibility for your choices, actions, and results before, during, and after participation in Coaching Services or Workshops.

No Guarantees

We make no guarantees regarding:

Revenue growth
Profitability
Business valuation
Business sale outcomes
Operational improvements
Strategic success

Any examples, case studies, testimonials, or results shared are illustrative only and are not guarantees of future performance.

Business success depends on numerous factors outside our control, including market conditions, execution, experience, competition, and economic forces.

4. Digital Products, Downloads & Online Tools

Any templates, worksheets, calculators, assessments, scorecards, strategic planning tools, AI-generated outputs, bookkeeping dashboards, or digital downloads are provided “as is” for informational purposes only.

These tools:

Do not constitute individualized advice
Do not replace professional services
May not account for your specific circumstances

You assume full responsibility for how you use these tools and any decisions made based on them.

5. Bookkeeping & Financial Information Boundary

Unless explicitly stated in a signed service agreement:

We do not provide CPA services
We do not provide tax filing services
We do not provide legal representation
We do not provide financial advisory or investment services

Any bookkeeping-related content or discussions are informational and do not constitute tax or legal advice.

6. Earnings & Results Disclaimer

We make no representations regarding earnings, income levels, business growth, or financial success.

Any testimonials or success stories reflect individual experiences and do not guarantee similar results.

Your results depend on your own effort, decisions, experience, market conditions, and numerous external factors.

7. Testimonials Disclaimer

Testimonials featured on the Website or podcast reflect individual opinions and experiences.

They are not guarantees of results and may not represent the experience of all clients.

8. Guest Opinions Disclaimer

Views expressed by podcast guests, interviewees, or contributors are their own and do not necessarily reflect the views of Levante Business Group, LLC or Henry Lopez.

We are not responsible for statements made by guests.

9. Affiliate Links & Sponsorship Disclosure

Some links on this Website are affiliate links. This means we may earn a commission if you purchase through those links.

We may also receive compensation from sponsors or “trusted service partners.”

We only recommend products or services we believe may provide value. However, you are responsible for conducting your own due diligence before purchasing any third-party products or services.

We are not responsible for the performance, claims, or outcomes of any third-party products or services.

10. Third-Party Platforms & Technology

We use third-party platforms to operate our business, including but not limited to:

Payment processors
Email marketing platforms
Website hosting services
Podcast hosting platforms
Analytics providers
Video hosting services
AI tools (when implemented)

We are not liable for:

Platform outages
Data loss caused by third parties
Delays in payment processing
Technical failures beyond our control

Your use of third-party platforms is subject to their own terms and policies.

11. Limitation of Liability

To the fullest extent permitted by law, Levante Business Group, LLC and Henry Lopez shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

Your use of the Website
Participation in coaching services
Reliance on information provided
Use of digital tools or downloads
Business decisions you make

Your sole remedy for dissatisfaction with the Website or services is to discontinue use.

12. Indemnification

You agree to indemnify, defend, and hold harmless Levante Business Group, LLC, Henry Lopez, affiliates, partners, employees, and agents from any claims, damages, liabilities, losses, costs, or expenses (including attorney’s fees) arising from:

Your use of the Website
Your reliance on information provided
Your violation of these terms
Your business decisions or outcomes

13. External Links

This Website may contain links to third-party websites. We have no control over the content or availability of those sites and do not endorse them.

We are not responsible for any content, policies, or practices of third-party websites.

14. Website Availability

We strive to keep the Website accessible at all times but do not guarantee uninterrupted availability.

We are not liable for temporary unavailability due to:

Technical issues
Hosting failures
Maintenance
Internet disruptions
Events beyond our control

15. Force Majeure

We are not liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including but not limited to:

Natural disasters
Government actions
Pandemics
Power outages
Cyber incidents
Technological failures

16. Governing Law & Jurisdiction

This Disclaimer shall be governed by the laws of the State of Florida, without regard to conflict of law principles.

Any disputes arising from your use of this Website or services shall be brought exclusively in the state or federal courts located in Martin County, Florida.

17. Intellectual Property

All content on this Website — including text, graphics, logos, downloads, podcast content, and materials — is the property of Levante Business Group, LLC unless otherwise noted.

You may not reproduce, distribute, modify, republish, or create derivative works without prior written permission.

18. Changes to This Disclaimer

We reserve the right to update or modify this Disclaimer at any time.

Your continued use of the Website or services after changes are posted constitutes acceptance of those changes.

19. Contact Information

If you have questions regarding this Disclaimer, please contact us through the Contact Form at: