Disclaimer

From Lease to Legacy
Effective Date: June 19, 2026

Educational and Informational Purposes Only

The information provided on this Website, in the book From Lease to Legacy, through downloadable resources, consultation calls, emails, social media content, videos, presentations, workshops, and related materials is provided solely for educational and informational purposes.

The content is intended to help individuals learn about homeownership, real estate, financial literacy, wealth-building strategies, credit education, property ownership, legacy planning, and related topics.

Nothing contained on this Website or in any related materials should be construed as legal, financial, tax, investment, mortgage, lending, accounting, credit repair, or real estate advice.

You should consult qualified professionals regarding your specific circumstances before making any financial, legal, lending, tax, real estate, or investment decisions.

No Professional Relationship

Your use of this Website does not create:

• An attorney-client relationship
• A financial advisor-client relationship
• A mortgage broker-client relationship
• A lender-borrower relationship
• A real estate agency relationship
• A brokerage relationship
• A consultant-client relationship
• A fiduciary relationship
• Any other professional relationship

A professional relationship is only established through a separate written agreement executed by the appropriate parties.

Real Estate Disclaimer

From Lease to Legacy may discuss:

• Homeownership
• Buying real estate
• Selling real estate
• Real estate investing
• Property ownership
• Housing programs
• Mortgage preparation
• Credit readiness
• Wealth-building through real estate

All such information is provided solely for educational purposes.

Nothing on this Website guarantees:

• Mortgage approval
• Loan approval
• Homeownership qualification
• Real estate investment success
• Property appreciation
• Financing eligibility
• Approval for grants or assistance programs
• Any specific real estate outcome

Real estate markets, lending requirements, economic conditions, and individual qualifications vary significantly.

Texas Real Estate Disclosure

If Ro Smith is acting as a licensed Texas real estate professional, any real estate services provided are subject to applicable Texas laws, brokerage requirements, agency disclosures, and written agreements.

Texas Real Estate Commission (TREC) notices may be required under certain circumstances.

Where applicable, Information About Brokerage Services (IABS) and Consumer Protection Notice disclosures will be provided as required by Texas law.

Mortgage, Lending, and Credit Disclaimer

From Lease to Legacy is not a lender, mortgage company, bank, credit union, credit repair organization, financial institution, or legal services provider unless expressly stated otherwise.

Any references to:

• Mortgage programs
• Loan products
• Financing options
• Down-payment assistance
• Credit improvement strategies
• Grants
• Homebuyer programs
• Lending opportunities

are provided solely for educational purposes.

Approval decisions are made exclusively by lenders, financial institutions, government agencies, or other third parties.

Consultation Disclaimer

Consultation calls, discovery sessions, strategy sessions, informational calls, and related communications are provided for general educational and informational purposes.

Participation in a consultation does not create:

• A client relationship
• A real estate agency relationship
• A brokerage relationship
• A legal relationship
• A lending relationship
• A fiduciary relationship

unless separately agreed to in writing.

Earnings and Results Disclaimer

Any examples, testimonials, success stories, case studies, illustrations, projections, or demonstrations are provided solely for informational purposes.

We make no representations or guarantees regarding:

• Financial outcomes
• Wealth-building outcomes
• Credit score improvements
• Homeownership outcomes
• Business results
• Investment performance
• Real estate success
• Legacy-building outcomes

Individual results vary based on numerous factors including personal circumstances, effort, qualifications, market conditions, economic conditions, lender requirements, and decisions made by third parties.

Past performance does not guarantee future results.

Affiliate Disclosure

Some links, recommendations, resources, products, services, or tools mentioned on this Website may include affiliate or referral relationships.

If you purchase through certain links, From Lease to Legacy may receive compensation at no additional cost to you.

Any compensation received does not influence our commitment to providing educational information and does not guarantee any specific outcome.

Third-Party Information

This Website may reference or link to third-party websites, lenders, professionals, service providers, vendors, software platforms, or resources.

We are not responsible for:

• Accuracy
• Availability
• Policies
• Services
• Pricing
• Representations
• Performance

of any third-party provider.

Users should independently evaluate all third-party services before making decisions.

No Guarantees

Your use of this Website and any related materials is at your own risk.

From Lease to Legacy makes no warranties or guarantees regarding the completeness, accuracy, reliability, suitability, or availability of information provided.

All information is provided "as is" and "as available."

Contact Information