Ethics, Privacy, and Editorial Policy and Disclaimer

Effective date: January 2026

1. General information only, no reliance

   All content on this website is provided for general educational and informational purposes only. It is not legal advice, tax advice, accounting advice, investment advice, or a recommendation to buy, sell, hold, or change any financial product.

Do not rely on any article, checklist, template, or post on this website as a substitute for professional advice. You are responsible for verifying information and obtaining advice specific to your situation from qualified professionals, including a lawyer and tax advisor.

2. No professional relationship created

   Using this website, reading content, sending a message, downloading materials, or booking an inquiry does not create an attorney-client relationship, fiduciary relationship, or any other professional relationship, unless and until there is a written engagement agreement signed by you and me (and where applicable, the relevant regulated entity).

3. No guarantees, no warranties

   Content is provided “as is” and “as available.” I make no warranties, express or implied, regarding accuracy, completeness, timeliness, suitability, or availability.

Laws, regulations, and interpretations change. Examples and explanations may become outdated. I am not obligated to update past content unless I choose to.

4. Limitation of liability

   To the maximum extent permitted by law, I will not be liable for any direct, indirect, incidental, special, consequential, punitive, or other losses or damages arising out of or related to your access to or use of this website, or your reliance on any content, including loss of profits, loss of opportunity, loss of data, business interruption, or any other loss.

If liability is found despite the above, any liability will be limited to the lowest amount permitted by applicable law, and in any case will not exceed the amount you paid, if any, to access the specific paid service directly related to the claim.

5. Third-party links and third-party content

   This website may link to third-party websites, articles, tools, or resources. These are provided for convenience only. I do not control, endorse, or guarantee third-party content, and I am not responsible for it.

Any references to rates, features, products, institutions, or services may change without notice and must be verified directly with the relevant provider.

6. Public figures, news, and sensitive topics

   If an article references a public figure or a public event, it is used only as context for education. I do not claim to know any person’s private estate plan, beneficiaries, assets, medical information, family arrangements, or private communications unless it is publicly confirmed by reliable sources and clearly cited.

Any scenarios presented are hypothetical and for illustration only. I avoid speculation. If something is uncertain, it is either omitted or clearly labeled as unverified.

7. Respect, privacy, and confidentiality

   Client information is confidential. I do not publish client identities, documents, or identifiable facts without explicit written consent.

When I use examples, they are either hypothetical or anonymized and modified to reduce the risk of identification. Similarities to real persons may be coincidental.

If you submit information through this website, you do so at your own risk. Do not send sensitive personal data or confidential documents unless requested through a secure channel as part of an agreed process.

8. Comments, messages, and user submissions

   If you submit comments, messages, or materials, you represent that you have the right to share them. You agree not to post unlawful, defamatory, harassing, or infringing content.

I reserve the right to remove comments or submissions at my discretion.

9. Intellectual property and permitted use

   Unless otherwise stated, the content on this website is my intellectual property or used with permission or under license. You may share links to content with proper attribution.

You may not copy, reproduce, republish, sell, or distribute substantial portions of the content, templates, or materials without written permission.

10. Copyright and takedown requests

    If you believe any material on this website infringes your rights, contact me through the website with (a) the URL, (b) a description of the material, (c) proof of your rights, and (d) your requested action. I will review and may remove or revise content where appropriate.

11. Jurisdiction

    This policy is intended to be interpreted under applicable Philippine law. Any disputes relating to this website will be handled in the appropriate venue as required by law, unless a separate written agreement states otherwise.

12. Changes to this policy

    I may update this policy at any time without notice. The updated version will be posted on this page with a revised effective date.