Must-Read Page | This works as a set with my Privacy Policy and Terms and Conditions.
Everything on my site is for the benefit of my readers and customers. I take extreme care to provide accurate and up-to-date information, and frequently upgrade site content as well.
But that does not absolve you, the reader, of the responsibility to verify all information from other sources to be sure before you take any actions after reading my advice. That’s what this disclaimer is about.
This website is owned and operated by Shobha Ponnappa. (“me”, “my”, “mine”, “I”).
This Disclaimer, along with the Terms & Conditions and Privacy Policy (collectively, the “Terms of Use”), governs your access to and use of ShobhaPonnappa.com, including any content, functionality, and services offered on or through ShobhaPonnappa .com (the “Website”), whether as a guest or a registered user.
Please read the Disclaimer carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by the Disclaimer. If you do not want to agree to my Terms of Use, Earnings Disclaimer, and Privacy Policy, you must not access or use the Website.
The information contained on this Website and the resources available for download through this website are for educational and informational purposes only.
The information contained on this Website and the resources available for download through this website is not intended as, and shall not be understood or construed as, professional advice. While I am a professional, and the information provided on this Website relates to issues within my area of professionalism, the information contained on this Website is not a substitute for advice from a professional who is aware of the facts and circumstances of your individual situation.
I have done my best to ensure that the information provided on this Website and the resources available for download are accurate and provide valuable information. Regardless of anything to the contrary, nothing available on or through this Website should be understood as a recommendation that you should not consult with a professional to address your particular information. I expressly recommend that you seek advice from a professional.
Neither I nor anyone working for me, from time to time, shall be held liable or responsible for any errors or omissions on this Website or for any damage you may suffer as a result of failing to seek competent advice from a professional who is familiar with your situation.
Your use of this Website – including implementation of any suggestions set out in this Website and/or use of any resources available on this Website – does not create a professional-client relationship between you and me. I cannot accept you as a client unless and until we determine that there is a fit and until various requirements, such as fee arrangements and separately signed contracts, are resolved. Thus, you recognize and agree that we have not created any professional-client relationship by the use of this Website.
By using this Website, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website or the resources available for download from this Website. You agree to use judgment and conduct due diligence before taking any action or implementing any plan or policy suggested or recommended on this Website.
You agree that I have not made any guarantees about the results of taking any action, whether recommended on this Website or not. I provide educational and informational resources that are intended to help users of this Website succeed in their online business and otherwise. You nevertheless recognize that your ultimate success or failure will be the result of your own efforts, your particular situation, and innumerable other circumstances beyond my control and/or knowledge.
You also recognize that prior results do not guarantee a similar outcome. Thus, the results obtained by others – whether they are my clients or customers or otherwise – applying the principles set out in this Website are no guarantee that you or any other person or entity will be able to obtain similar results.
This World Wide Web Site is a public resource of general information that is intended, but not promised or guaranteed, to be correct, complete, and up-to-date. I have taken reasonable steps to ensure that the information contained in this Website is accurate, but I cannot represent that this Website is free of errors. You accept that the information contained on this Website may be erroneous and agree to conduct due diligence to verify any information obtained from this Website, and/or resources available on it, prior to taking any action. You expressly agree not to rely upon any information contained on this Website.
Regardless of any such discounts, I will provide honest reviews of these products and/or services. You recognize that you should conduct your own due diligence and should not rely solely upon any reviews provided on this website.
This World Wide Web Site is a public resource of general information that is intended, but not promised or guaranteed, to be correct, complete, and up-to-date. I have taken reasonable steps to ensure that the information contained in this Website is accurate, but I cannot represent that this Website is free of errors. You accept that the information contained on this Website may be erroneous and agree to conduct due diligence to verify any information obtained from this Website, and/or resources available on it, prior to taking any action. You expressly agree not to rely upon any information contained on this Website.
I will disclose the existence of any discounts or incentives received in exchange for providing a review of a product. If you would like more information about any such discounts and incentives, send an email to support@shobhaponnappa.com that includes the title of the reviewed product as the subject line. I will respond via email and disclose any incentives or discounts I received in association with any such review.
From time to time, I participate in affiliate marketing and may allow affiliate links to be included on some of the Website pages. This means that I may earn a commission if/when you click on or make purchases via affiliate links.
From time to time, I participate in affiliate marketing and may allow affiliate links to be included on some of the Website pages. This means that I may earn a commission if/when you click on or make purchases via affiliate links.
I will inform you when one of the links constitutes an affiliate link.
You recognize that it remains your personal responsibility to investigate whether any affiliate offers are right for your business and will benefit you. You will not rely on any recommendation, reference, or information provided by me but will instead conduct your own investigation and will rely upon your investigation to decide whether to purchase the affiliate product or service.
From time to time, I will refer to other products, services, coaches, consultants, and/or experts. Any such reference is not intended as an endorsement or statement that the information provided by the other party is accurate. I provide this information as a reference for users. It is your responsibility to conduct your own investigation and make your own determination about any such product, service, coach, consultant, and/or expert.
At various places on this Website, you may find testimonials from clients and customers of the products and services offered on this Website or by me. The testimonials are actual statements made by clients and/or customers and have been truthfully conveyed on this Website.
Although these testimonials are truthful statements about results obtained by these clients and/or customers, the results obtained by these clients and/or customers are not necessarily typical. You specifically recognize and agree that the testimonials are not a guarantee of results that you or anyone else will obtain by using any products or services offered on this Website or by me.
Every effort has been made to accurately represent my products, services, and programs and the educational or other value they provide. However, there is no guarantee that you will earn any money or get the business results using the techniques and ideas in these materials. When I present revenue and sales figures, or mention the potential for certain business results, on my Website and my other channels, I am showcasing exceptional situations, which do not reflect the average experience. You should not rely on any revenue, sales, earnings, or business results information I present as any kind of promise, guarantee, or expectation of any level of success or earnings. Your results will be determined by a number of factors over which I have no control, such as your financial condition, experiences, skills, level of effort, education, and changes within the market. Running an online business carries risks, and your use of any information contained on this Website is at your own risk. I provide content without any express or implied warranties. By continuing to use my Website and access my content, you agree that I am not responsible for any decision you may make regarding any information presented or as a result of purchasing any of our products or services. Any claims made of actual earnings or examples of actual business results can be verified upon request.
I MAKE NO WARRANTIES REGARDING THE PERFORMANCE OR OPERATION OF THIS WEBSITE. I FURTHER MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENTS, MATERIALS, DOCUMENTS, PROGRAMS, PRODUCTS, BOOKS, OR SERVICES INCLUDED ON OR THROUGH THIS WEBSITE. TO THE FULLEST EXTENT PERMISSIBLE UNDER THE LAW, I DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
YOU AGREE TO ABSOLVE ME OF ANY AND ALL LIABILITY OR LOSS THAT YOU OR ANY PERSON OR ENTITY ASSOCIATED WITH YOU MAY SUFFER OR INCUR AS A RESULT OF THE USE OF THE INFORMATION CONTAINED ON THIS WEBSITE AND/OR THE RESOURCES YOU MAY DOWNLOAD FROM THIS WEBSITE. YOU AGREE THAT I SHALL NOT BE LIABLE TO YOU FOR ANY TYPE OF DAMAGES, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, EQUITABLE, OR CONSEQUENTIAL LOSS OR DAMAGES FOR THE USE OF THIS WEBSITE.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. I, AND/OR PEOPLE WHO MAY WORK FOR ME, FROM TIME TO TIME, MAY MAKE IMPROVEMENTS AND/OR CHANGES TO THE WEBSITE AT ANY TIME.
I, AND/OR PEOPLE WHO MAY WORK FOR ME, FROM TIME TO TIME, MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE WEBSITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. I, AND/OR PEOPLE WHO MAY WORK FOR ME, FROM TIME TO TIME, HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL I, AND/OR PEOPLE WHO MAY WORK FOR ME, FROM TIME TO TIME, BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEBSITE, WITH THE DELAY OR INABILITY TO USE THE WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF I, AND/OR PEOPLE WHO MAY WORK FOR ME, FROM TIME TO TIME, HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES, BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.
I welcome your questions or comments regarding the Disclaimer:
Last Updated: January 1, 2026
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