Last updated: October 3, 2026
This Disclaimer applies to ownbiz.org, its newsletter, and all related content (together, the “Website”), operated by OwnBiz (“OwnBiz,” “we,” “us,” or “our”). It is part of our Terms of Use.
1. General information only
The content on the Website, including articles, guides, checklists, tables, worked examples, cost estimates, FAQs, images, and newsletters, is provided for general informational and educational purposes only. It is written for a general audience and does not take into account your specific facts, goals, location, or financial situation.
2. Not professional advice
Nothing on the Website is legal, tax, accounting, financial, investment, insurance, real estate, medical, or other professional advice. Content about entities, taxes, licensing, permits, contracts, financing, insurance, and regulation explains how things generally work. It cannot tell you what applies to your situation.
Before you form an entity, make a tax election, sign a contract, apply for a license or permit, raise or invest money, hire staff, or make any other significant decision, consult a qualified professional licensed in your state, such as an attorney, a CPA or enrolled agent, a licensed insurance professional, or a registered financial adviser.
3. No professional relationship
OwnBiz is not a law firm, accounting firm, financial adviser, investment adviser, broker-dealer, insurance agency, or healthcare provider. Reading the Website, subscribing to the newsletter, or contacting us does not create an attorney-client, accountant-client, adviser-client, fiduciary, or any other professional relationship. Communications with us are not confidential or privileged.
4. Investments and securities
Content about funds, syndications, real estate investing, lending, private equity, venture capital, and other financial topics is general education. It is not a recommendation to buy, sell, or hold any security or investment, and it is not an offer or solicitation of any security or investment. Raising money from investors is subject to federal and state securities laws.
5. Healthcare, safety, and regulated activities
Content about healthcare practices, clinics, pharmacies, senior care, childcare, and other licensed or regulated businesses describes business and regulatory considerations only. It is not medical advice and does not describe how to provide any clinical, care, or professional service. Many of these activities require individual licenses, facility licenses, or specific ownership structures.
Content about trades, construction, transportation, firearms, alcohol, cannabis, and other hazardous or heavily regulated activities is not a substitute for required training, licensing, certification, or professional work. Do not attempt dangerous work yourself. Use licensed professionals where the law or safety requires it.
6. Laws vary and change
Laws, regulations, taxes, fees, licensing requirements, and agency procedures vary by state, county, and city, and they change over time. Content on the Website focuses on the United States and reflects information as of the date shown on each page, such as the “Last fact-checked” or “Last updated” date. It may not reflect later changes. Always confirm current requirements directly with the relevant federal, state, and local agencies before you act.
7. Estimates, examples, and results
Startup costs, price ranges, margins, revenue figures, timelines, and worked examples on the Website are general estimates or illustrations. They are not quotes, benchmarks, projections, or promises. Actual costs and results depend on your location, market, execution, and many other factors.
We do not guarantee that any business, strategy, or step described on the Website will be successful, profitable, approved, or compliant in your situation. Starting and running a business involves risk, including the risk of losing money you invest.
8. Images and illustrations
Images on the Website are created with artificial intelligence (AI) image-generation tools and are for illustration only. They do not depict real people, businesses, locations, products, or equipment. They do not show how any facility, equipment, layout, sign, or safety setup must look, and they may contain visual inaccuracies. Do not rely on any image to determine a legal, safety, technical, or design requirement.
9. Accuracy and completeness
Content on the Website is prepared with the help of technology tools, including AI, under the oversight of our editors, as described in our Editorial Policy. We work to keep content accurate and useful, but we do not guarantee that any content is accurate, complete, current, or suitable for your purposes. Content may contain errors or omissions. If you find an error, please tell us through our Corrections Policy.
10. Third-party links and advertising
The Website links to third-party websites, including government agencies, associations, and other resources, and displays advertisements served by third parties. We do not control and are not responsible for third-party content, products, services, or practices. A link or an advertisement is not an endorsement. Brands, products, platforms, and companies mentioned in content are named as examples or subjects, not as endorsements, unless a page clearly says otherwise.
11. Use at your own risk
Your use of the Website and any reliance on its content is solely at your own risk. To the fullest extent permitted by law, OwnBiz is not liable for any loss or damage of any kind arising from your use of or reliance on the Website or its content. The full disclaimer of warranties and limitation of liability appear in our Terms of Use.
12. Contact
Questions about this Disclaimer can be sent to [email protected].