Disclaimer

Last updated: January 15, 2026

General Information

The information provided by 45Matters ("we," "us," or "our") on https://45matters.com (the "Site") is for general informational purposes only. All information on the Site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Site or reliance on any information provided on the Site. Your use of the Site and your reliance on any information on the Site is solely at your own risk.

Tools Disclaimer

The tools and utilities provided on 45Matters are offered as-is for convenience and general use. While we strive to provide accurate and reliable tools, we cannot guarantee:

  • The accuracy of calculations, conversions, or processed outputs
  • That the tools will meet your specific requirements or expectations
  • That the tools will be uninterrupted, timely, secure, or error-free
  • That any errors or defects will be corrected

Important: Our tools should not be relied upon for critical applications, professional decisions, legal matters, financial calculations, medical purposes, or any situation where incorrect results could lead to significant consequences. Always verify important calculations and data using professional software or consult with qualified professionals.

No Professional Advice

The Site cannot and does not contain professional advice. The information and tools are provided for general informational and educational purposes only and are not a substitute for professional advice.

Accordingly, before taking any actions based upon such information or tool outputs, we encourage you to consult with the appropriate professionals. We do not provide any kind of professional advice including but not limited to legal, financial, medical, or technical advice.

External Links Disclaimer

The Site may contain (or you may be sent through the Site) links to other websites or content belonging to or originating from third parties or links to websites and features in banners or other advertising. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by us.

We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through the Site or any website or feature linked in any banner or other advertising. We will not be a party to or in any way be responsible for monitoring any transaction between you and third-party providers of products or services.

Testimonials Disclaimer

The Site may contain testimonials by users of our services. These testimonials reflect the real-life experiences and opinions of such users. However, the experiences are personal to those particular users, and may not necessarily be representative of all users of our services.

The testimonials are provided by users and are not the opinion of 45Matters. We do not claim, nor should any reader assume, that any individual experience recounted is typical or that others will achieve similar results.

Errors and Omissions Disclaimer

While we have made every attempt to ensure that the information contained on this Site is accurate, we are not responsible for any errors or omissions, or for the results obtained from the use of this information. All information on this Site is provided "as is," with no guarantee of completeness, accuracy, timeliness, or of the results obtained from the use of this information.

Fair Use Disclaimer

This Site may contain copyrighted material whose use has not always been specifically authorized by the copyright owner. We believe this constitutes a "fair use" of any such copyrighted material as provided for in section 107 of the US Copyright Law. If you wish to use copyrighted material from this Site for purposes of your own that go beyond "fair use," you must obtain permission from the copyright owner.

Views Expressed Disclaimer

The Site may contain views and opinions which are those of the authors and do not necessarily reflect the official policy or position of any other author, agency, organization, employer, or company. Comments published by users are their sole responsibility and the users will take full responsibility, liability, and blame for any libel or litigation that results from something written in or as a direct result of something written in a comment.

Advertising Disclaimer

This Site displays advertisements through Google AdSense and may display advertisements from other advertising networks. These advertisements are provided by third parties and may use cookies and web beacons. We are not responsible for the content of these advertisements or any products or services offered by third-party advertisers.

The advertisements displayed on the Site do not constitute an endorsement by 45Matters. We encourage users to conduct their own research before engaging with any advertiser.

Limitation of Liability

In no event shall 45Matters, nor any of its officers, directors, and employees, be liable to you for anything arising out of or in any way connected with your use of this Site, whether such liability is under contract, tort, or otherwise, and 45Matters, including its officers, directors, and employees shall not be liable for any indirect, consequential, or special liability arising out of or in any way related to your use of this Site.

Indemnification

You hereby indemnify to the fullest extent 45Matters from and against any and all liabilities, costs, demands, causes of action, damages, and expenses (including reasonable attorney's fees) arising out of or in any way related to your breach of any of the provisions of these terms.

Changes to This Disclaimer

We may update our Disclaimer from time to time. We will notify you of any changes by posting the new Disclaimer on this page and updating the "Last updated" date at the top of this Disclaimer.

You are advised to review this Disclaimer periodically for any changes. Changes to this Disclaimer are effective when they are posted on this page.

Contact Us

If you have any questions about this Disclaimer, please contact us: