Disclaimers

Last Updated: July 6, 2026

This website is owned and operated by Smart Sage Consulting, LLC ("Company," "we," or "us").

This Disclaimer, together with the Terms & Conditions of Use and Privacy Policy, governs your access to and use of www.smartsageconsulting.net, including any content, functionality, products, and services offered on or through www.smartsageconsulting.net or any subdomains (the "Website"), whether as a guest or a registered user.

Please read this Disclaimer carefully before you use the Website. By using the Website, or by clicking to accept or agree to the Terms & Conditions of Use when that option is made available to you, you accept and agree to be bound by this Disclaimer. If you do not agree, you must not access or use the Website.

FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY

The information contained on this Website and the resources, information, webinars, videos, blog posts, courses, downloads, quizzes, screening tools, and/or products available through this Website, whether free or paid (the "Resources"), are for educational and informational purposes only.

NOT AFFILIATED WITH THE U.S. DEPARTMENT OF EDUCATION OR ANY LOAN SERVICER

Smart Sage Consulting, LLC is an independent, privately owned company. We are not affiliated with, endorsed by, sponsored by, or acting on behalf of the U.S. Department of Education, Federal Student Aid, or any federal loan servicer, including but not limited to MOHELA, Nelnet, Aidvantage, or Navient. We do not have special access to federal loan accounts, and we cannot make changes to your loans on the servicer's or Department of Education's systems on your behalf.

All federal student loan programs discussed on this Website, including but not limited to Income-Driven Repayment plans, the Repayment Assistance Plan (RAP), Public Service Loan Forgiveness (PSLF), Borrower Defense, and Parent PLUS consolidation, are administered exclusively by the U.S. Department of Education and its contracted servicers. Program rules, eligibility requirements, and repayment terms are subject to change at any time, including on short notice, and we encourage every borrower to confirm current program details directly at studentaid.gov or with their loan servicer before making a financial decision.

NOT LEGAL ADVICE

The information contained on this Website and the Resources is not intended as, and shall not be understood or construed as, legal advice. While we may provide supplemental or occasional trainings or articles on legal topics taught or written by attorneys or legal professionals, the information on this Website is not a substitute for legal advice from a licensed attorney who is aware of the facts and circumstances of your individual situation.

We have done our best to ensure that the information provided on this Website and in the Resources is accurate and valuable. Regardless of anything to the contrary, nothing on this Website should be understood as a recommendation that you should not consult with an attorney. The Company expressly recommends that you seek advice from an attorney prior to taking any action.

Neither the Company nor any of its employees, owners, or contributors shall be held liable for any errors or omissions on this Website or the Resources, or for any damage you may suffer as a result of failing to seek competent legal advice from a licensed attorney familiar with your situation.

NOT TAX ADVICE

The information contained on this Website and the Resources is not intended as, and shall not be understood or construed as, tax advice. It is not a substitute for advice from a tax professional who is aware of the facts and circumstances of your individual situation. This is particularly important where forgiven student loan balances may carry federal or state tax implications; you should confirm current tax treatment with a qualified tax professional before relying on any figure discussed on this Website.

The Company expressly recommends that you seek advice from a tax professional and shall not be held liable for any errors, omissions, or damages arising from your failure to do so.

NOT FINANCIAL ADVICE

The information contained on this Website and the Resources is not intended as, and shall not be understood or construed as, personalized financial or investment advice. It is not a substitute for advice from a licensed financial professional who is aware of the facts and circumstances of your individual situation.

The Company expressly recommends that you seek advice from a qualified financial professional and shall not be held liable for any errors, omissions, or damages arising from your failure to do so.

NOT PROFESSIONAL ADVICE

The information contained on this Website and in the Resources is not intended as, and shall not be understood or construed as, professional advice of any kind, including but not limited to legal, financial, medical, tax, or accounting advice. While contributors, employees, and/or owners of the Company hold relevant professional credentials, the information on this Website is not a substitute for advice from a qualified professional who is aware of the facts and circumstances of your individual situation.

Neither the Company nor any of its employees or owners shall be held liable for any errors or omissions on this Website, or for any damage you may suffer as a result of failing to seek competent advice from a professional familiar with your situation.

NO PROFESSIONAL-CLIENT RELATIONSHIP

Your use of this Website, including implementation of any suggestions on this Website and/or use of any Resources, does not create an attorney-client, financial advisory, tax, or other professional-client relationship between you and the Company or any of its team members. Purchasing a paid consultation does not change this; consultations are educational strategy sessions, not legal, tax, or licensed financial advisory engagements, unless separately and explicitly agreed to in writing.

AI-ASSISTED CONTENT AND TOOLS

Smart Sage Consulting uses artificial intelligence tools to help research, draft, and produce some of the educational content on this Website and across our social media channels, including but not limited to blog posts, social media scripts, email content, and preliminary screening quizzes or eligibility estimators. All such content is reviewed by Dr. Olivia or a member of her team before publication for accuracy and compliance with our educational, non-advice framing.

Any quiz, calculator, or screening tool on this Website that provides a preliminary result (for example, a possible eligibility category or repayment estimate) is generating an educational estimate only. It is not a legal, tax, or financial determination, does not reflect an automated decision with a legal or similarly significant effect on you, and should not be relied upon as a substitute for a full review of your individual loan file. If you would like a human review of any automated or AI-assisted result, please contact us using the information below.

USER'S PERSONAL RESPONSIBILITY

By using this Website, you accept personal responsibility for the results of your actions. You agree to take full responsibility for any harm or damage you suffer as a result of the use, or non-use, of the information available on this Website and in the Resources. You agree to use judgment and conduct due diligence before taking any action or implementing any plan or strategy discussed on this Website or in the Resources.

NO GUARANTEE OF RESULTS

The Company has not made, and does not make, any guarantee about the results of taking any action, whether recommended on this Website or not. The Company provides educational and informational resources intended to help borrowers understand their options. Your ultimate outcome, including any loan forgiveness, discharge, or repayment reduction, depends on factors specific to your loan type, servicer, employer, documentation, and current federal program rules, all of which are outside the Company's control.

Prior results, including results discussed in testimonials on this Website, do not guarantee a similar outcome for you or any other person.

TESTIMONIALS

At various places on this Website, you may find testimonials from clients and customers of the products and services offered on this Website or by the Company. These testimonials are actual statements truthfully conveyed by real clients and/or customers of the Company.

These results are not typical, and your results will vary based on your individual loan type, servicer, employment history, documentation, financial circumstances, and the federal program rules in effect at the time you take action. You specifically recognize and agree that testimonials are not a guarantee of results that you or anyone else will obtain by using any product or service offered on this Website or by the Company.

Where a testimonial was offered in exchange for a benefit (a discount, free product, or other incentive), that incentive is disclosed near the testimonial in accordance with FTC endorsement guidelines. Regardless of any incentive, all testimonials are from real customers and truthfully reflect those customers' experiences with the Company.

REVIEWS

At various times, we may provide reviews of products, services, or other resources, including books, services, and/or software applications. Any such review represents the good-faith opinion of its author. Products or services reviewed may have been provided to the Company for free or at a reduced price as an incentive to provide a review; if so, we will disclose that incentive. You should conduct your own due diligence and should not rely solely on any review provided on this Website.

AFFILIATE LINKS

From time to time, the Company may participate in affiliate marketing and may include affiliate links on some pages, meaning we may earn a commission if you click or purchase through those links. The Company only affiliates with products, services, coaches, consultants, and experts we believe provide genuine value to our audience, and we will disclose when a link is an affiliate link.

It remains your personal responsibility to investigate whether any affiliate offer is right for you or your business. You should not rely solely on our recommendation, but should conduct your own investigation before purchasing.

NO ENDORSEMENTS

From time to time, the Company will refer to other products, services, coaches, consultants, and/or experts. Any such reference is not intended as, and should not be understood as, an endorsement or a statement that the information provided by the other party is accurate. It is your responsibility to conduct your own investigation and make your own determination about any such product, service, coach, consultant, or expert.

EARNINGS DISCLAIMER

From time to time, the Company may report on the success of an existing or prior client. That information is accurately portrayed by the Company. You acknowledge that the prior success of others does not guarantee your success.

As with any business or financial decision, your results may vary and will be based on your individual capacity, background, effort, dedication, and circumstances. There is no guarantee of any particular level of savings, forgiveness, or income, and each individual's outcome depends on factors specific to that individual.

Your use of our information, products, and services should be based on your own due diligence. You agree that the Company is not liable for any success or failure related to your purchase or use of the information, products, or services offered or advertised on this Website.

We welcome your questions or comments regarding this Disclaimer:

Mailing Address: 7550 Airways Blvd, Unit 28, Southaven, MS 38671 Email Address: admin@smartsageconsulting.net Phone: (888) 782-4985