Disclaimer

1. Not Financial, Legal, or Investment Advice

The information, tools, analyses, and content provided by UWise (operated by UnderwriteWise, referred to as "UWise," "we," "us," or "our") through our website, platform, applications, and related services (collectively, the "Services") are intended solely for general informational and educational purposes.

Nothing contained in or provided through our Services constitutes, or is intended to constitute:

• Financial advice or financial planning services
• Investment advice or investment recommendations
• Legal advice or legal services
• Tax advice or tax planning services
• Accounting advice or accounting services
• Real estate brokerage or agent services
• Any other form of professional advisory services

You should not rely on our Services as a substitute for professional advice tailored to your specific situation. Always consult with qualified professionals, including licensed financial advisors, attorneys, certified public accountants, and licensed real estate professionals, before making any investment, financial, legal, or real estate decisions.

2. No Guarantee of Results

UWise does not guarantee, represent, or warrant that the use of our Services will result in any particular outcome, financial gain, or investment success. Real estate investing involves substantial risks, including but not limited to:

• Loss of principal investment
• Illiquidity of real estate assets
• Market volatility and economic downturns
• Changes in local, state, or federal regulations
• Property-specific risks such as environmental issues, structural defects, or title disputes
• Interest rate fluctuations and financing risks
• Tenant-related risks including vacancies, defaults, and property damage

Past performance of any investment, strategy, or analysis provided through our Services is not indicative of future results. Any examples, projections, or case studies presented are hypothetical and for illustrative purposes only.

3. Limitation of Liability

To the fullest extent permitted by applicable law, UWise, its officers, directors, employees, agents, affiliates, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to:

• Your use of or inability to use our Services
• Any decisions made or actions taken based on information provided through our Services
• Any errors, inaccuracies, or omissions in the content, data, or analyses provided
• Any unauthorized access to or use of our servers or personal information
• Any interruption or cessation of our Services
• Any bugs, viruses, or other harmful code that may be transmitted through our Services

This limitation of liability applies regardless of the legal theory on which the claim is based, including negligence, breach of contract, breach of warranty, strict liability, or any other legal theory, and whether or not UWise has been advised of the possibility of such damages.

4. No Endorsement or Third-Party Responsibility

Our Services may reference, link to, or integrate with third-party websites, services, data providers, tools, or resources. Such references or integrations do not constitute an endorsement, recommendation, or approval by UWise of any third-party or their products, services, or content.

UWise is not responsible for:

• The accuracy, completeness, timeliness, or reliability of any third-party data, content, or services
• Any losses or damages resulting from your use of or reliance on third-party data, content, or services
• The privacy practices, terms of use, or policies of any third-party websites or services
• Any transactions or interactions between you and any third party

You acknowledge and agree that your use of any third-party services is at your own risk and subject to the terms and conditions of those third parties.

5. Use of AI Technology

UWise utilizes artificial intelligence ("AI") and machine learning technologies to provide analyses, insights, projections, and recommendations through our Services. You acknowledge and understand that:

• AI-generated content and analyses may contain errors, inaccuracies, or biases
• AI models are trained on historical data that may not accurately predict future conditions or outcomes
• AI technology is continuously evolving and may produce varying or inconsistent results over time
• AI-generated outputs should not be treated as definitive or authoritative assessments
• The accuracy and reliability of AI outputs depend on the quality and completeness of input data, which may be limited, outdated, or incorrect
• AI analyses are not a substitute for professional human judgment, due diligence, or expert advice

We strongly recommend that you independently verify all AI-generated information and analyses before making any decisions based on such information. UWise does not guarantee the accuracy, completeness, or suitability of any AI-generated content for your specific purposes.

6. No Warranty; "As Is" Service

Our Services are provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, whether express, implied, or statutory. UWise expressly disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding the accuracy, reliability, completeness, or timeliness of any content, data, or analyses
• Warranties that our Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components
• Warranties that our Services will meet your specific requirements or expectations

No advice or information, whether oral or written, obtained from UWise or through our Services shall create any warranty not expressly stated in our Terms of Service.

7. User Responsibility and Independent Verification

By using our Services, you acknowledge and agree that:

• You are solely responsible for your own investment decisions, financial actions, and the consequences thereof
• You will independently verify all information, data, analyses, and projections provided through our Services before relying on them
• You will consult with qualified professionals appropriate to your specific situation before making any investment, financial, legal, or real estate decisions
• You will conduct your own due diligence on any property, investment opportunity, or financial transaction
• You understand the risks associated with real estate investing and accept full responsibility for any losses that may result from your investment decisions

8. Regulatory and Compliance Notices

UWise is not registered as an investment advisor, broker-dealer, real estate broker, or any other type of financial or real estate professional with any federal, state, or local regulatory authority. Our Services do not constitute a solicitation or offer to buy or sell any securities, real estate, or other financial instruments.

UWise does not provide personalized investment recommendations. Any general information or educational content provided through our Services should not be construed as personalized advice or a recommendation to engage in any particular investment strategy or transaction.

9. Changes to This Disclaimer

UWise reserves the right to modify, update, or revise this Disclaimer at any time without prior notice. Changes will be effective immediately upon posting the updated Disclaimer on our website. Your continued use of our Services after any such changes constitutes your acceptance of the revised Disclaimer.

We encourage you to review this Disclaimer periodically to stay informed about any updates. The "Last Updated" date at the top of this Disclaimer indicates when the most recent revisions were made.

10. Contact Information

If you have any questions, concerns, or feedback regarding this Disclaimer, please contact us: