---
name: disclaimer-generator
description: "Generates legal disclaimers for websites, products, and services with liability limitations and warranty exclusions. Use when adding disclaimers to your business properties."
allowed-tools: Read Write Glob
metadata:
  author: matthewhitcham
  version: "1.0"
---

# Disclaimer Generator

## When to Use This Skill

Use this skill when you need to:
- Create legal disclaimers for your website, products, or services
- Draft earnings disclaimers for courses, coaching, or business content
- Write health, fitness, or financial information disclaimers
- Generate professional advice disclaimers and warranty exclusions

**DO NOT** use this skill for full terms of service, privacy policies, or contracts. This is specifically for standalone disclaimer statements. Have an attorney review for your specific situation.

---

## Core Principle

A DISCLAIMER SETS REALISTIC EXPECTATIONS AND LIMITS LIABILITY — IT DOES NOT ELIMINATE ALL RESPONSIBILITY, BUT IT DOES PROTECT AGAINST UNREASONABLE CLAIMS.

---

## Phase 1: Disclaimer Needs

### Required Inputs

| Input | What to Ask | Default |
|-------|------------|---------|
| **Business type** | "What type of business? (coaching, SaaS, e-commerce, content, consulting)" | No default — must be provided |
| **Content/product type** | "What needs a disclaimer? (website, course, ebook, podcast, software)" | Website |
| **Industry** | "What industry? (business, health, finance, legal, education)" | Business/entrepreneurship |
| **Claims made** | "Do you make income, health, or results claims in your marketing?" | General results claims |
| **Specific risks** | "Any specific liability concerns?" | General business advice |

**GATE: Do not proceed without business type and what needs the disclaimer.**

---

## Phase 2: Generate Disclaimers

Select and customize the appropriate disclaimer types.

### General Website Disclaimer

```
## Website Disclaimer

The information provided on [website/business name] is for general
informational purposes only. All information is provided in good
faith; however, we make no representation or warranty of any kind,
express or implied, regarding the accuracy, adequacy, validity,
reliability, or completeness of any information on this site.

Under no circumstances shall [Business Name] be liable for any loss
or damage of any kind incurred as a result of the use of this site
or reliance on any information provided. Your use of this site and
reliance on any information is solely at your own risk.
```

### Earnings Disclaimer (for courses, coaching, business content)

```
## Earnings Disclaimer

Results vary. The income or revenue figures referenced on this site
are estimates and are not guarantees of results. There is no assurance
that you will achieve the same results. Your results depend on many
factors including but not limited to your background, experience,
work ethic, market conditions, and business model.

Any income claims, earnings examples, or results shared are for
illustration only and represent exceptional outcomes that may not
reflect typical results. [Business Name] makes no guarantee that you
will earn any money using the information, tools, or strategies
provided.

All business involves risk and requires consistent effort. You should
not rely on this information as a substitute for professional
financial, business, or legal advice. Always do your own due diligence.
```

### Professional Advice Disclaimer

```
## Not Professional Advice

The content provided by [Business Name] is for informational and
educational purposes only and does not constitute [legal / financial /
medical / tax / professional] advice.

No [attorney-client / advisor-client / doctor-patient] relationship
is created by your use of this site or purchase of our products. You
should consult a qualified [attorney / financial advisor / healthcare
provider / CPA] for advice specific to your situation.

[Business Name] is not a licensed [attorney / financial advisor /
healthcare provider / CPA] and does not provide [legal / financial /
medical / tax] services.
```

### Affiliate Disclaimer

```
## Affiliate Disclosure

[Business Name] participates in affiliate programs and may earn
commissions from qualifying purchases made through links on this site.
This does not affect the price you pay. We only recommend products
and services we believe provide value to our audience.

In accordance with FTC guidelines, please assume that any link to a
third-party product or service on this site may be an affiliate link
for which we receive compensation.
```

### Testimonial Disclaimer

```
## Testimonial Disclaimer

Testimonials and success stories on this site are from real customers
and clients. However, individual results may vary. These testimonials
are not intended to represent or guarantee that you will achieve the
same or similar results. Each individual's success depends on many
factors, including their background, dedication, and market conditions.
```

### Health and Fitness Disclaimer

```
## Health Disclaimer

The content on this site is not intended to be a substitute for
professional medical advice, diagnosis, or treatment. Always seek
the advice of your physician or other qualified health provider
with any questions regarding a medical condition. Never disregard
professional medical advice or delay seeking it because of something
you have read on this site.

[Business Name] is not a licensed healthcare provider. The information
provided is for educational purposes only.
```

### Software / SaaS Disclaimer

```
## Software Disclaimer

[Product Name] is provided "as is" without warranty of any kind,
express or implied. [Business Name] does not warrant that the software
will be uninterrupted, error-free, or free of harmful components.

[Business Name] shall not be liable for any damages arising from
the use of or inability to use this software, including but not
limited to data loss, business interruption, or lost profits.

Users are responsible for maintaining their own data backups.
```

---

## Phase 3: Placement Guide

```
## Where to Place Disclaimers

| Disclaimer | Placement |
|-----------|-----------|
| General website | Footer link + dedicated page |
| Earnings | Sales pages, checkout page, website footer |
| Professional advice | Content pages, course materials, footer |
| Affiliate | Blog posts with links, sidebar, footer |
| Testimonial | Near testimonials on sales/landing pages |
| Health/fitness | Content pages, product pages, footer |
| Software | Terms of service, documentation, signup flow |
```

---

## Phase 4: Finalize

```
## Disclaimer Checklist

- [ ] All applicable disclaimer types are created
- [ ] Disclaimers are placed on relevant pages
- [ ] Earnings disclaimer appears on all sales and marketing pages
- [ ] Affiliate disclosure appears on content with affiliate links
- [ ] Disclaimers are accessible via footer links
- [ ] Language is clear and understandable (not buried in legalese)
- [ ] Reviewed by legal counsel for your jurisdiction and industry
```

---

## Example: Online Business Coach

**Disclaimers needed:** General website, earnings disclaimer (shows income examples in marketing), professional advice (gives business strategy advice), affiliate disclosure (recommends software tools), testimonial disclaimer. All placed on dedicated /disclaimer page and linked from footer, with earnings disclaimer additionally on sales pages.

---

## Anti-Patterns

- **No disclaimers at all** — leaving your site without disclaimers when you make results claims, give advice, or use affiliate links is unnecessary risk
- **Hiding disclaimers in tiny text** — disclaimers should be readable and accessible. A disclaimer no one can find may not protect you.
- **Disclaiming everything to avoid all responsibility** — a disclaimer cannot override consumer protection laws or cover fraud. Be reasonable.
- **Copy-pasting from another business** — customize for your specific products, services, and claims
- **Disclaimers that contradict your marketing** — if your sales page promises "guaranteed results" and your disclaimer says "no guarantees," that is a problem

---

## Recovery

- **Already making claims without disclaimers:** Add disclaimers immediately. Update marketing materials to ensure claims are not misleading.
- **FTC complaint about missing affiliate disclosure:** Add disclosures to all affiliate content retroactively. The FTC requires clear and conspicuous disclosure.
- **Customer relies on your content and suffers a loss:** The disclaimer limits liability, but consult an attorney. If your content was genuinely negligent, a disclaimer may not provide full protection.
- **Operating in a regulated industry:** Standard disclaimers may not be sufficient. Consult an industry-specific attorney for compliance requirements.
