General Disclaimer

This General Disclaimer explains the baseline legal and editorial boundaries for using OnWealth. It applies across the site, including articles, guides, glossary terms, tools, newsletters, and other educational content.

1. OnWealth Is an Educational Publishing Site

OnWealth publishes general financial education for readers who want to better understand money topics, financial concepts, and common planning questions. The site is designed to inform and educate, not to provide individualized professional services through ordinary site use.

That distinction matters across the site. Even when content is practical, scenario-based, or built around real-world financial decisions, it remains general educational publishing unless we explicitly state otherwise in a separate written arrangement.

2. No Personalized Financial, Investment, Tax, Legal, or Insurance Advice

Nothing on OnWealth should be treated as personalized financial advice, investment advice, tax advice, legal advice, insurance advice, accounting advice, or any other form of individualized professional advice. The site does not know every fact about your finances, goals, risk tolerance, tax position, household structure, or legal circumstances.

Nothing on the site should be treated as a recommendation for you personally to buy, sell, hold, convert, refinance, insure, consolidate, or otherwise choose a particular strategy, account, security, policy, provider, or debt solution.

3. No Advisory, Fiduciary, or Professional-Client Relationship

Using OnWealth does not create an adviser-client, fiduciary, attorney-client, accountant-client, insurance-producer-client, or other professional relationship between you and OnWealth.

If an author, contributor, or affiliated person holds professional credentials elsewhere, those credentials do not by themselves make OnWealth content personalized advice to you. A professional relationship exists only if you separately enter into a direct written engagement with the relevant provider outside ordinary use of the site.

4. Tools and Calculators Are Illustrative Only

OnWealth tools, calculators, worksheets, and planning outputs are educational modeling tools. They depend on user inputs, stated assumptions, simplified formulas, and limited scenario structures. Tool outputs are illustrative estimates only.

They are not guarantees, predictions, approvals, suitability determinations, underwriting decisions, or personalized recommendations. Before acting on a tool output, you should review your own circumstances and, where appropriate, consult a qualified professional.

5. Accuracy, Timeliness, and Third-Party Changes

We aim to make OnWealth useful and accurate, but we do not guarantee that every page will always be complete, current, or error-free. Financial products, market conditions, provider terms, rates, laws, regulations, thresholds, and tax rules can change over time.

You are responsible for confirming current details directly with the relevant institution, provider, regulator, or official source before relying on time-sensitive information or making a consequential decision.

6. Third-Party Links, Offers, and Providers

OnWealth may link to third-party products, services, tools, providers, or outside resources. Some links may be affiliate links or may relate to commercial relationships. Those relationships do not turn third-party offers into personalized recommendations for you.

Any third-party product, provider, or offer should be evaluated on its own current terms and in light of your own needs. For more on affiliate relationships, see our Affiliate Disclosure.

7. Read Related Policies Together

This General Disclaimer should be read together with our Terms of Service, Privacy Policy, and Editorial Policy. Those pages explain additional terms, privacy practices, editorial standards, and limitations that apply to site use.

8. Consult a Qualified Professional Before Acting

Before making a meaningful financial, investment, tax, legal, insurance, or debt-related decision, consult a qualified professional who can review your full situation. General educational content can help you frame better questions, but it is not a substitute for individualized professional judgment.

9. Contact Us

If you have questions about this General Disclaimer, contact us at contact@onwealth.net.