Disclaimer

1. No Professional Advice

Lovins Financial LLC, the operator of Rung, is not:

• A registered investment adviser (RIA) or broker-dealer
• A Certified Financial Planner (CFP) or financial advisor
• A Certified Public Accountant (CPA) or tax advisor
• A licensed attorney or law firm
• A bank, credit union, or financial institution
• A fiduciary to you

Nothing on Rung should be construed as a recommendation to buy, sell, or hold any security, asset, or financial product. We do not provide personalized investment, financial planning, tax, or legal advice.

2. Educational Content Only

Rung offers general financial education to help you learn about topics such as budgeting, saving, investing, credit, debt, and insurance. The content is designed for informational and educational purposes only. It may not apply to your specific financial situation.

Your financial situation is unique. What works for one person may not work for another. Before making any financial decision, you should consider consulting with a qualified, licensed professional who can review your full circumstances.

3. No Guarantees of Outcomes

We do not guarantee any specific financial outcome. Using Rung does not guarantee that you will:

• Build wealth, save money, or pay off debt
• Earn a particular rate of return on investments
• Qualify for any financial product
• Achieve your financial goals

Your financial results depend on many factors — including your income, expenses, discipline, market conditions, and decisions — most of which are outside our control. Past performance of any investment or strategy is not a guarantee of future results.

4. Third-Party Products

Rung may display or link to information about third-party financial products (e.g. high-yield savings accounts, credit cards, brokerages, insurance products). We do not endorse, control, or guarantee any third-party product or service.

Information about rates, fees, bonuses, rewards, and product terms is provided for convenience and may change without notice. Always verify product details directly with the provider before opening an account or signing up.

We are not responsible for any losses, damages, or issues that arise from your use of third-party products.

5. Information Accuracy

We do our best to provide accurate, up-to-date information. However, financial information changes frequently (interest rates, tax laws, credit card offers, account features). We cannot guarantee that every piece of information on Rung is complete, accurate, or current at any given time.

If you notice something that looks incorrect, please email us at lovinsnp@gmail.com and we'll review it.

6. Investment Risk

7. Tax Implications

Financial decisions often have tax consequences. Rung does not provide tax advice. Tax laws vary by jurisdiction and change over time. Always consult a qualified tax professional (such as a CPA) about your specific situation before making decisions that could affect your taxes.

8. Hypothetical Examples

Any examples, scenarios, or calculations presented on Rung are hypothetical and for illustrative purposes only. They are not a promise or projection of actual results. Your actual results will vary based on your individual circumstances.

9. Testimonials and Reviews

Any testimonials, success stories, or user experiences shared on Rung reflect individual experiences and are not representative of the experience of all users. Results are not typical and are not guaranteed.

10. External Links

Rung may contain links to external websites. We do not control or endorse these sites and are not responsible for their content, privacy practices, or any loss or damage that may arise from your use of them.

11. Not a Solicitation

Nothing on Rung constitutes a solicitation or offer to buy or sell any security, product, or service in any jurisdiction where such an offer, solicitation, purchase, or sale would be unlawful.

12. Your Responsibility

You are solely responsible for the financial decisions you make. By using Rung, you acknowledge and agree that:

• You will use the information provided for educational purposes only
• You will consult qualified professionals before making significant financial decisions
• You assume all risks associated with your financial decisions
• Lovins Financial LLC is not liable for any losses, damages, or consequences resulting from your use of the information on Rung

13. Changes to This Disclaimer

We may update this Disclaimer from time to time. The "Last updated" date reflects the most recent revision. Your continued use of Rung constitutes your acceptance of the current version.

14. Contact

Questions about this Disclaimer? Contact us at:

Email: lovinsnp@gmail.com
Entity: Lovins Financial LLC
Location: Florida, United States