DISCLAIMER

Disclaimer

Effective Date: January 28, 2026

Websites: https://earnsavethrive.com and https://bio.earnsavethrive.com

Contact Email: ana@earnsavethrive.com

Table of Contents

  1. Acceptance and Agreement
  2. General Information and Purpose
  3. Affiliate & CPA Disclosure (FTC Compliance)
  4. Earnings and Income Disclaimer
  5. Testimonials and Results Disclaimer
  6. No Guarantees or Warranties
  7. Not Professional Advice
  8. Accuracy of Information
  9. Third-Party Products and Services
  10. Sponsored Content and Reviews
  11. Forward-Looking Statements
  12. Assumption of Risk
  13. Limitation of Liability
  14. External Links and Websites
  15. Changes to This Disclaimer
  16. Contact Information

1. Acceptance and Agreement

1.1 Your Agreement

By accessing, browsing, or using any of our websites (https://earnsavethrive.com, https://bio.earnsavethrive.com, or any subdomain), you acknowledge that you have read, understood, and agree to be bound by this Disclaimer.

IF YOU DO NOT AGREE TO THIS DISCLAIMER, YOU MUST IMMEDIATELY STOP USING OUR WEBSITES.

1.2 Scope of Application

This Disclaimer applies to all content, services, products, and information provided on or through our websites, including but not limited to:

  • Blog posts and articles
  • Product reviews and recommendations
  • Social media content
  • Email newsletters
  • Digital products and courses
  • Our link-in-bio page (https://bio.earnsavethrive.com)
  • Any other content we publish or distribute

1.3 Integration with Other Policies

This Disclaimer should be read in conjunction with our:

Together, these documents form the complete agreement between you and EarnSaveThrive.

2. General Information and Purpose

2.1 Purpose of Our Websites

EarnSaveThrive provides information, resources, and recommendations related to:

  • Remote work opportunities and job leads
  • Side hustles and income-generating strategies
  • Personal finance and money management
  • Online business and entrepreneurship
  • Digital marketing and affiliate marketing
  • Products and services that may help you earn, save, or manage money

2.2 Information Purposes Only

All content on our websites is provided for general informational and educational purposes only. Our content is not intended to be, and should not be construed as:

  • Professional financial, investment, or tax advice
  • Legal advice or counsel
  • Business consulting or professional services
  • Career counseling or employment advice
  • Guaranteed strategies for earning income
  • Personalized recommendations for your specific situation

2.3 Views and Opinions

The views, opinions, and recommendations expressed on our websites are those of the author (Ana) and do not necessarily reflect the official position of any company, organization, or entity mentioned.

Content represents personal opinions, experiences, and research, and should not be interpreted as:

  • Endorsements of specific companies or employers
  • Official statements or positions
  • Professional recommendations
  • Guarantees of results or outcomes

3. Affiliate & CPA Disclosure (FTC Compliance)

3.1 Material Connection Disclosure

IMPORTANT: This website contains affiliate links and Cost Per Action (CPA) links that generate compensation for me when you click on them and take certain actions.

In accordance with Federal Trade Commission (FTC) guidelines (16 CFR Part 255), I am required to disclose any material financial relationship I have with companies whose products or services I recommend, review, or promote.

3.2 What Are Affiliate Links?

Affiliate links are special tracking URLs that allow me to earn a commission when you click on the link and make a purchase. Here’s how they work:

  1. You click on an affiliate link on my website
  2. A tracking cookie is placed on your device
  3. You complete a purchase on the merchant’s website
  4. I receive a percentage of the sale as commission

Important: Using my affiliate links does NOT cost you anything extra. The price you pay is exactly the same whether you use my link or go directly to the merchant’s website. The commission comes from the merchant, not from your pocket.

3.3 What Are CPA Links?

CPA (Cost Per Action) links are different from traditional affiliate links. With CPA links, I earn compensation when you take a specific action—even if you don’t make a purchase. Here’s how they work:

  1. You click on a CPA link on my website
  2. You complete a specific action such as:
    • Signing up for a free account or service
    • Registering for a free trial
    • Submitting your email address or contact information
    • Downloading an app or software
    • Completing a registration form
    • Taking a survey or quiz
  3. I receive a flat fee or commission for the completed action

Critical Difference: With CPA links, you may not need to make a purchase for me to earn compensation. Simply signing up, registering, or taking an action may result in payment to me.

This is important for you to know because even when something is advertised as “free,” I may still be earning money from your participation.

3.4 Networks and Programs I Participate In

I participate in various affiliate marketing and Cost Per Action (CPA) programs, including but not limited to:

Traditional Affiliate Networks:

  • Amazon Associates – I earn commissions on qualifying purchases made through Amazon links
  • afflat3d2.com – Various affiliate offers
  • ShareASale – Multiple merchant affiliate programs
  • Commission Junction (CJ Affiliate) – Various affiliate offers
  • Other affiliate networks and individual merchant programs

CPA Networks:

  • MaxBounty – Cost Per Action offers
  • Commission Junction (CJ Affiliate) – CPA and hybrid offers
  • FlexOffers – CPA and affiliate offers
  • Other CPA and performance marketing networks

General Rule: You should assume that any link on this website may result in compensation to me, either through a purchase or by you taking an action (signing up, registering, etc.).

3.5 How This Affects You

When you use my affiliate or CPA links:

  • Price: You do NOT pay more by using my links. Prices are the same as going directly to the merchant.
  • Compensation: I receive payment from the merchant, not from you.
  • Your Decision: You are free to navigate directly to any website without using my links.
  • Disclosure: I always strive to make it clear when I’m using affiliate or CPA links.

3.6 Editorial Independence and Honest Recommendations

My recommendations are based on:

  • Personal experience and research
  • Product quality and value
  • Relevance to my audience’s needs
  • Customer reviews and feedback
  • Industry reputation

I do NOT recommend products or services solely because they offer high commission rates.

However, you should be aware that:

  • Some products or services I recommend do provide higher commissions than others
  • This compensation may create a potential bias in my recommendations
  • You should evaluate recommendations critically and do your own research
  • I am not a neutral, unbiased third party when I use affiliate or CPA links

3.7 Where Disclosures Appear

In accordance with FTC guidelines, I make affiliate and CPA disclosures:

  • On this Disclaimer page – Comprehensive disclosure of all relationships
  • On individual posts/pages – Short disclosure near the top of content containing affiliate/CPA links
  • Near specific links – When possible and appropriate, I disclose near the actual affiliate/CPA link
  • In social media posts – Using hashtags like #affiliate, #ad, or #sponsored when appropriate
  • On my link-in-bio page – Footer disclosure and individual link disclosures

3.8 Your Right to Choose

You always have the right to:

  • Navigate directly to any merchant’s website without using my links
  • Research products independently before purchasing
  • Choose not to sign up for offers promoted through CPA links
  • Make informed decisions based on knowing I may be compensated

3.9 Questions About Affiliate Relationships

If you ever have questions about whether I have an affiliate or CPA relationship with a specific company or product, please email me at ana@earnsavethrive.com and I will provide full disclosure.

4. Earnings and Income Disclaimer

4.1 No Guaranteed Earnings or Income

IMPORTANT: I make NO guarantees about your ability to earn income, make money, or achieve financial results by using any information, strategies, or recommendations on this website.

Building a successful business, side hustle, or income stream requires:

  • Time, effort, and dedication
  • Continuous learning and adaptation
  • Skills, experience, and knowledge
  • Financial resources and investment
  • Favorable market conditions
  • Factors beyond your control and my control

4.2 Individual Results Vary

Any results, earnings figures, income claims, or success stories mentioned on this website are:

  • Not typical – They may represent exceptional results
  • Not guaranteed – You may not achieve similar results
  • Context-dependent – Results depend on individual circumstances
  • Time-specific – What worked in the past may not work now
  • Not promises – They are examples, not guarantees

Your results will vary and depend on many factors including but not limited to:

  • Your background, experience, and skills
  • Your work ethic, dedication, and consistency
  • Your financial situation and available resources
  • Market conditions and competition
  • Economic factors beyond your control
  • Timing and luck
  • Your ability to implement strategies correctly
  • External factors and circumstances

4.3 Not a “Get Rich Quick” Scheme

This website does NOT promote, endorse, or recommend any “get rich quick” schemes, instant wealth programs, or guaranteed income opportunities.

Any legitimate path to earning income requires:

  • Real work and effort
  • Time and patience
  • Learning and skill development
  • Potential financial investment
  • Risk and uncertainty

If you are looking for instant wealth with no effort, this website is not for you.

4.4 Examples and Case Studies

When I share examples of earnings, income, or success:

  • These are real examples to the best of my knowledge
  • I may have received these from third parties and cannot independently verify all claims
  • These examples are for illustrative purposes only
  • They do NOT constitute a guarantee or promise of similar results
  • Average results are likely much lower than examples shown

4.5 No Income Guarantees for Recommended Opportunities

When I recommend job opportunities, side hustles, or income-generating methods:

  • I make no guarantee that these opportunities are still available
  • I make no guarantee that you will be selected, hired, or accepted
  • I make no guarantee about compensation levels or earning potential
  • Pay rates and opportunities change frequently
  • Competition for opportunities varies

4.6 Financial Risk

Many strategies and opportunities discussed on this website involve financial risk, including:

  • The risk of losing money on investments or business ventures
  • The risk of not earning back money spent on products or services
  • The risk of opportunity cost (time spent that could be used elsewhere)
  • The risk of unforeseen expenses or costs

You should never risk money you cannot afford to lose.

5. Testimonials and Results Disclaimer

5.1 Testimonials Represent Individual Experiences

Any testimonials, success stories, or user experiences shared on this website:

  • Represent the individual’s own experience and results
  • Are not verified by me unless explicitly stated
  • Are not typical or average results
  • Do not guarantee you will achieve the same results
  • May have been provided in exchange for compensation, free products, or other considerations

5.2 Unverified Claims

Unless explicitly stated otherwise, I have NOT independently verified:

  • Earnings claims in testimonials
  • Results achieved by individuals
  • Success stories shared by third parties
  • Claims made by companies about their products or services

You should conduct your own due diligence and not rely solely on testimonials when making decisions.

5.3 Past Performance Not Indicative of Future Results

Past success, earnings, or results (whether mine or others’) do NOT predict or guarantee future performance. Market conditions, competition, and circumstances change constantly.

6. No Guarantees or Warranties

6.1 “AS IS” Basis

All content, information, products, and services on this website are provided “AS IS” and “AS AVAILABLE” without any warranties of any kind, either express or implied.

6.2 Disclaimer of Warranties

To the maximum extent permitted by law, I disclaim all warranties, including but not limited to:

  • Merchantability – No warranty that information or products are suitable for any purpose
  • Fitness for a Particular Purpose – No warranty that content will meet your specific needs
  • Non-Infringement – No warranty that content does not infringe third-party rights
  • Accuracy – No warranty that information is accurate, complete, or current
  • Completeness – No warranty that information is comprehensive
  • Reliability – No warranty that information is reliable or trustworthy
  • Timeliness – No warranty that information is up-to-date
  • Error-Free – No warranty that content is free from errors, bugs, or viruses

6.3 No Guarantee of Results

I make NO guarantees, representations, or warranties regarding:

  • Your ability to earn income using information on this website
  • The success or failure of any strategy or method discussed
  • The availability of opportunities mentioned
  • The performance of products or services recommended
  • The outcome of any action you take based on website content

7. Not Professional Advice

7.1 Not Financial or Investment Advice

Content on this website is NOT financial advice, investment advice, or tax advice.

I am NOT:

  • A licensed financial advisor
  • A certified financial planner (CFP)
  • An investment advisor
  • A tax professional or CPA
  • A licensed securities broker

You should consult with qualified financial professionals before making any financial or investment decisions.

7.2 Not Legal Advice

Content on this website is NOT legal advice.

I am NOT a licensed attorney. Any information about legal topics is for general informational purposes only and should not be relied upon as legal advice.

You should consult with a licensed attorney for advice on your specific legal situation.

7.3 Not Career or Employment Advice

Information about jobs, careers, and employment is for general informational purposes only.

I am NOT:

  • A career counselor
  • An employment agency
  • A recruiter or hiring manager
  • A representative of any employer

Employment decisions are your sole responsibility.

7.4 Not Business Consulting

Content about business strategies, marketing, or entrepreneurship is for educational purposes only and does not constitute professional business consulting or advisory services.

7.5 Consult Professionals

Before making any important decisions, you should always consult with qualified professionals including:

  • Licensed financial advisors for financial decisions
  • Licensed attorneys for legal matters
  • Certified public accountants (CPAs) for tax matters
  • Career counselors for career decisions
  • Business consultants for business decisions
  • Other relevant professionals for your specific situation

8. Accuracy of Information

8.1 Efforts to Maintain Accuracy

While I make reasonable efforts to ensure that information on this website is accurate, complete, and up-to-date, I cannot guarantee this.

8.2 Information May Be Outdated

Information on this website may become outdated over time. I am not obligated to update content, and old content may remain on the website indefinitely.

This is particularly important for:

  • Job listings and opportunities (may no longer be available)
  • Product prices and availability (subject to change)
  • Program features and details (companies change their offerings)
  • Compensation rates and commission structures
  • Laws, regulations, and compliance requirements

8.3 Errors and Omissions

Despite best efforts, this website may contain:

  • Typographical errors
  • Factual inaccuracies
  • Outdated information
  • Incomplete information
  • Broken links
  • Technical errors

I reserve the right to correct errors and update information at any time without notice.

8.4 Your Responsibility to Verify

You are responsible for independently verifying any information before relying on it.

You should:

  • Research information from multiple sources
  • Verify current availability of opportunities
  • Check current prices and terms with merchants
  • Confirm details directly with companies
  • Not rely solely on information from this website

9. Third-Party Products and Services

9.1 Not Responsible for Third-Party Offerings

When I recommend, review, or mention third-party products or services, I am NOT responsible for:

  • The quality, performance, or functionality of the product or service
  • Customer service or support provided by the company
  • Delivery, shipping, or fulfillment
  • Refunds, returns, or exchanges
  • Privacy practices or data security
  • Terms of service or legal compliance
  • Any disputes between you and the third party

9.2 Third-Party Terms Apply

When you purchase or use third-party products or services:

  • You are subject to their terms of service and policies
  • You are agreeing to their terms, not mine
  • Any disputes must be resolved directly with them
  • I am not a party to your transaction

9.3 Changes to Third-Party Offerings

Third-party companies may change their:

  • Products or services
  • Prices and fees
  • Features and functionality
  • Terms of service
  • Availability

I have no control over these changes and am not responsible for notifying you of them.

9.4 Due Diligence Required

You should conduct your own due diligence before purchasing or using any third-party product or service, including:

  • Reading reviews from multiple sources
  • Reviewing the company’s terms of service and privacy policy
  • Researching the company’s reputation
  • Understanding refund and return policies
  • Verifying claims and representations
  • Consulting with professionals if needed

10.1 Sponsored Content

Occasionally, I may publish sponsored content, sponsored posts, or paid reviews on this website. When I do:

  • I will clearly disclose that the content is sponsored
  • I may be compensated for creating or publishing the content
  • The sponsor may have input on the content
  • I maintain editorial control and provide honest opinions

10.2 Product Reviews

Product reviews on this website may:

  • Be based on personal experience with the product
  • Be based on research without personal use
  • Include affiliate links that generate compensation
  • Include both positive and negative aspects
  • Reflect my personal opinion at the time of writing

10.3 Free Products or Services

I may receive free products or services from companies in exchange for:

  • Reviewing the product or service
  • Mentioning the company on my website or social media
  • Providing feedback or testimonials

When this occurs, I will disclose it to the best of my ability. However, receiving free products may create a bias in my reviews or recommendations.

10.4 Honest Opinions

I strive to provide honest, fair, and accurate reviews and opinions, whether content is sponsored or not. However:

  • Opinions are subjective and may not reflect your experience
  • Compensation may influence which products I choose to review
  • I may be less critical of products from which I earn higher commissions
  • You should read multiple sources before making decisions

11. Forward-Looking Statements

11.1 Definition

Content on this website may include “forward-looking statements” as defined by the Private Securities Litigation Reform Act of 1995. These are statements about future events, expectations, or projections.

11.2 Identifying Forward-Looking Statements

Forward-looking statements often use words such as:

  • “Anticipate”
  • “Believe”
  • “Estimate”
  • “Expect”
  • “Intend”
  • “Plan”
  • “Project”
  • “Will”
  • “Could”
  • “Should”
  • “May”

11.3 No Guarantee of Future Performance

Forward-looking statements represent opinions and expectations at the time they are made. They are NOT guarantees of future results or performance.

Actual results may differ materially from forward-looking statements due to:

  • Changed market conditions
  • Economic factors
  • Competition
  • Regulatory changes
  • Technological changes
  • Other unforeseen circumstances

11.4 No Obligation to Update

I am not obligated to update forward-looking statements if circumstances change or if predictions prove incorrect.

12. Assumption of Risk

12.1 Your Voluntary Assumption of Risk

By using this website and any information, products, or services provided through it, you knowingly and voluntarily assume all risks associated with:

  • Following advice or strategies presented on the website
  • Purchasing products or services recommended on the website
  • Pursuing opportunities or income streams discussed on the website
  • Making decisions based on website content
  • Relying on information that may be incomplete or outdated

12.2 Types of Risks

Risks you may face include but are not limited to:

  • Financial Risk – Loss of money, poor investments, failed business ventures
  • Time Risk – Time spent on strategies that don’t produce results
  • Opportunity Cost – Missing other opportunities while pursuing strategies from this website
  • Reputational Risk – Damage to your reputation or credibility
  • Legal Risk – Legal issues arising from actions taken
  • Employment Risk – Job loss or career setbacks
  • Relationship Risk – Strain on personal or professional relationships

12.3 Your Responsibility

You are solely responsible for:

  • Evaluating information before acting on it
  • Determining whether strategies are appropriate for your situation
  • Understanding and accepting risks involved
  • Consulting with professionals before making important decisions
  • The outcomes of your decisions and actions

13. Limitation of Liability

13.1 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, I AM NOT LIABLE FOR ANY DAMAGES OR LOSSES ARISING FROM YOUR USE OF THIS WEBSITE OR RELIANCE ON ITS CONTENT.

13.2 Types of Damages Excluded

I am not liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to:

  • Loss of profits or income
  • Loss of business or opportunities
  • Loss of data or information
  • Loss of goodwill or reputation
  • Financial losses from investments or purchases
  • Costs of substitute goods or services
  • Personal injury or emotional distress
  • Any other tangible or intangible losses

13.3 Even If Advised of Possibility

This limitation of liability applies even if I have been advised of the possibility of such damages.

13.4 Multiple Claims

The limitations in this section apply to all claims collectively, not to each claim individually.

13.5 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, my liability is limited to the maximum extent permitted by law.

14.1 Links to Third-Party Websites

This website contains links to third-party websites. These links are provided for your convenience only.

14.2 No Endorsement

The inclusion of any link does not imply:

  • My endorsement of the website
  • My approval of its content
  • My affiliation with its owner
  • Any guarantee of its safety or legitimacy

14.3 No Responsibility

I am not responsible for:

  • The content of third-party websites
  • The accuracy of information on third-party websites
  • The privacy practices of third-party websites
  • The security of third-party websites
  • Any transactions conducted through third-party websites

14.4 Use at Your Own Risk

You access third-party websites at your own risk. I strongly recommend that you:

  • Review their privacy policies and terms of service
  • Verify their legitimacy and security
  • Exercise caution when providing personal or financial information
  • Use appropriate security measures

15. Changes to This Disclaimer

15.1 Right to Modify

I reserve the right to modify, update, or replace this Disclaimer at any time, at my sole discretion.

15.2 Notice of Changes

When I make material changes to this Disclaimer, I will:

  • Update the “Effective Date” at the top of this page
  • Post the updated Disclaimer on the website
  • Notify users via email if applicable
  • Display a notice on the website

15.3 Your Acceptance of Changes

Changes take effect immediately upon posting. Your continued use of the website after changes are posted constitutes your acceptance of the modified Disclaimer.

15.4 Review Regularly

I encourage you to review this Disclaimer periodically to stay informed about disclosures and limitations.

16. Contact Information

16.1 Questions or Concerns

If you have any questions, concerns, or comments about this Disclaimer, please contact me:

Email: ana@earnsavethrive.com
Website: https://earnsavethrive.com
Response Time: I aim to respond within 48 hours

16.2 Specific Disclosure Inquiries

If you have questions about:

  • Whether I have an affiliate relationship with a specific company
  • Compensation I receive from specific recommendations
  • Sponsored content or partnerships

Please email me at ana@earnsavethrive.com with “Disclosure Inquiry” in the subject line, and I will provide full transparency.

Acknowledgment

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS DISCLAIMER IN FULL AND AGREE TO BE BOUND BY ALL OF ITS TERMS.

If you do not agree to this Disclaimer, you must immediately stop using this website.

Thank you for taking the time to read this Disclaimer. Your understanding and compliance help me maintain transparency and legal compliance.

Last Updated: January 28, 2026