Last Updated: May 12, 2026
Please read this Disclaimer carefully. By visiting or using katebernal.com (“the Site”), you accept and agree to be bound by this Disclaimer, together with the Terms of Use and Privacy Policy published on this Site.
1. Financial Education Only
Kate Bernal is a financial educator, not a licensed financial advisor or financial planner.
All content on this Site — including written material, videos, frameworks, tools, and any other information — is provided for general informational and educational purposes only. Nothing on this Site constitutes personalized investment, tax, legal, or financial planning advice. No educator-client or advisor-client relationship is formed by your use of this Site or by participating in any program offered through it.
All financial decisions are yours alone. You are solely responsible for evaluating the suitability of any information, framework, or approach presented on this Site for your own circumstances. Before making any financial decision, consult a qualified licensed professional who can assess your specific situation.
2. No Guarantee of Results
Financial outcomes depend on many individual factors — including your income, expenses, debt, risk tolerance, time horizon, and personal decisions — that are entirely outside my control.
Nothing on this Site represents a guarantee, promise, or projection of any financial result. Any examples, case studies, or references to personal experience are shared for illustrative educational purposes only. They are not a representation that you will achieve the same or similar outcomes.
3. Accuracy of Information
I make reasonable efforts to ensure that the content on this Site is accurate and current. However, financial regulations, tax rules, and investment products change. Content on this Site may not reflect the most recent developments. Always verify information with a qualified professional or official government source before acting on it.
4. Affiliate Links and Third-Party Relationships
This Site may contain affiliate links to third-party products or services. If you click an affiliate link and make a purchase, I may earn a commission at no additional cost to you. Affiliate relationships are disclosed where they appear.
Affiliate relationships do not influence the educational content on this Site. I only reference products or services I have personal experience with or believe may be genuinely useful.
I am not responsible for the content, accuracy, or practices of any third-party website or service. Any transactions you enter into with third parties are strictly between you and them.
5. Testimonials
Any testimonials or client references shared on this Site reflect individual experiences. They are shared for informational purposes only and are not a guarantee that any other person will achieve the same or similar results. Individual outcomes vary based on personal circumstances, effort, and financial starting point.
6. External Links
This Site may contain links to external websites for your convenience. I do not own or control those websites and am not responsible for their content, accuracy, or privacy practices. Links do not constitute an endorsement of the linked site or its content.
7. Changes to This Disclaimer
I reserve the right to modify this Disclaimer at any time without notice. The “Last Updated” date at the top of this page will reflect any changes. Your continued use of the Site constitutes your acceptance of the current version.
8. Contact
For any questions about this Disclaimer: