General Disclaimer — Alemay Business LLC

1. General Information, Not Individualized Advice

Public content does not by itself constitute individualized tax, legal, accounting, financial, credit, investment, insurance, or professional advice.

2. No Professional Relationship Is Automatically Created

Browsing the website, using Ale app, submitting a form, or contacting us does not automatically create a professional relationship. That relationship requires the applicable steps and documents.

3. Professional and Regulated Services

Alemay provides directly what falls within its capabilities and authority, and coordinates the appropriate professional or partner when additional licensing, authority, certification, expertise, or capability is required. Nothing here implies licenses that are not held.

4. Tax and Accounting Information

Tax and accounting information is general. Outcomes vary with the facts of each situation. Public content is not a determination of a tax position.

5. Legal Information and Estate Planning

Legal and estate planning information is general and does not create an attorney-client relationship. Legal acts and documents must be handled by the appropriate professional.

6. Credit Information

Credit information is general. There are no guarantees of scores, deletions, approvals, or financing.

Alemay may analyze a credit profile, provide guidance, help organize and prepare legitimate documentation or communications, and guide the actions a consumer must complete directly. There is no guarantee that bureaus, furnishers, or lenders will change information.

Information known to be accurate is not disputed merely to have it removed.

7. Financing and Loans

Alemay is not a bank or direct lender unless expressly authorized. There are no guarantees of approval, terms, rates, limits, or funding; those decisions belong to third parties.

Alemay may provide guidance, assist with preparation, and coordinate as appropriate.

8. Insurance

Insurance information is general unless provided within a specific permitted relationship. The carrier, product, jurisdiction, and applicant profile determine availability, underwriting, premiums, discounts, limits, exclusions, issuance, and renewal. Policy terms control.

There is no guarantee of coverage, approval, premium, savings, subsidy, issuance, renewal, or claim payment. Regulated activities are performed by, or together with, an appropriately authorized professional.

9. Medicare and Government Programs

Public Medicare content is general education. Except in an appropriately authorized context, public content does not present, market, compare for the purpose of recommendation, recommend, or enroll anyone in specific Medicare Advantage or Part D plans.

Plan-specific assistance is handled separately by an appropriately licensed, certified, and authorized professional.

Alemay Business is a private company. It is not Medicare, CMS, the Social Security Administration, or a government entity, and no government endorsement is implied.

10. Investments, Annuities, and Financial Products

This content is educational and is not automatically investment advice, an offer of securities, or a performance guarantee.

Annuities are insurance contracts; their guarantees depend on the claims-paying ability of the issuing insurer. Risks, fees, surrender periods, and tax considerations apply. Securities are handled only by authorized persons.

11. No Guarantee of Results

Outcomes depend on facts and third-party decisions, including approvals, financing, tax reductions, refunds, audits or IRS action, credit outcomes, scores or deletions, premiums, subsidies, coverage, underwriting, issuance and claims, financial returns, and processing times.

12. Testimonials, Examples, and Scenarios

Testimonials, examples, and scenarios are illustrative and are not a promise of results.

13. Information May Change

Laws, rules, products, rates, and requirements change. Verify current information when appropriate.

14. Resources, Calculators, and Tools

Resources, calculators, and tools are general. Assumptions, user-entered information, and applicable rules may not capture every fact of a situation.

15. Artificial Intelligence and Technology Tools

Alemay may use technology, automation, or artificial intelligence for internal, educational, administrative, or content support. This does not automatically replace professional judgment; appropriate human or professional involvement is used where needed.

16. Third-Party Links and Services

Third-party links and services are not necessarily under our control as to content, security, or practices. Review their terms and policies.

17. Availability of Digital Platforms

We do not guarantee continuous availability or error-free operation of the website or Ale app.

18. General Limitation

To the extent permitted by law, we are not responsible for decisions made solely on general public content, without individual consideration or appropriate professional assistance.

Nothing excludes liability that cannot be waived by law. Service-specific documents may govern the matters they address.

19. Relationship to Other Documents

This disclaimer works together with the Terms & Conditions, the Privacy Policy, service-specific disclaimers, and any applicable individual agreements.