Earnings Disclaimer

Last Updated: 11/18/2025

This Earnings Disclaimer applies to all content provided by Monvestor Inc., including websites, funnels, guides, coaching, consulting, digital products, emails, videos, SMS messages, AI chatbots, and social media content created or distributed by Jhon Monroy (“we,” “our,” “us”).

We believe in transparency and comply with the Federal Trade Commission (FTC) guidelines on earnings and income claims.

1. No Income, Profit, or Results Guarantee

Real estate investing, wholesaling, cash offers, and property strategies involve risk.
We make no guarantees that you will:

Earn any money

Close a real estate deal

Flip a property

Successfully wholesale a contract

Build passive income

Qualify for a loan or funding

Achieve “financial freedom”

Replicate examples, testimonials, or case studies

Any financial figures shown are illustrative only.

Your results depend on many personal factors including:

Work ethic

Experience

Skill level

Discipline and consistency

Access to deals

Market conditions

Capital, credit, and liquidity

Competition in your area

Team, contractors, attorneys, lenders

Ability to negotiate and execute

Compliance with your state’s real estate laws

Because everyone is different, your outcome may be dramatically different or zero.

2. Real Estate Risks & Market Warning

Real estate markets are unpredictable and may be affected by:

Interest rate changes

Economic cycles

Regional demand

Builder activity

Legislation and zoning

Eviction laws

Section 8 funding rules

Tenant performance

Contractor reliability

Lender underwriting

You acknowledge that:

✔ Real estate investing is never risk-free
✔ Properties may lose value
✔ Cash flow and ARV predictions may not be accurate
✔ Renovation costs may exceed projections
✔ Deals may fall through
✔ Wholesaling laws vary by state

We cannot AND do not guarantee market performance or real estate appreciation.

3. Wholesaling Legality Disclaimer

Real estate wholesaling is regulated differently across the U.S.

Some states require:

A real estate license

Attorney involvement

Broker oversight

Special disclosures

Compliance paperwork

You are responsible for knowing and following the legal requirements in your state.

We do not guarantee compliance with specific laws in:

New York

Connecticut

Michigan

New Jersey

Ohio

Any other state

Always consult a qualified real estate attorney.

4. Cash Offers & Property Evaluations

Any cash offer ranges, repair estimates, comps, or ARV projections are:

Estimates only

Based on limited information

Subject to inspection

Not guaranteed

We cannot guarantee:

A specific offer price

Closing speed

Assignment approval

Funding availability

Buyer performance

All property valuations are approximate.

5. Testimonials & Case Studies

Testimonials represent real client experiences, but:

They are not typical

They should not be interpreted as expected or average results

Some clients may receive incentives, discounted services, or partnership benefits

Individual effort varies

Market conditions vary

Your results will depend on your personal level of effort and circumstances.

6. Educational Purpose Only — Not Advice

Everything we provide is for educational purposes only, including:

Videos

Coaching calls

Tools

AI assistants

PDFs

Guides

Courses

Messaging

Website content

Real estate analysis

We are not providing professional:

Legal advice

Tax advice

Financial planning advice

Investment advice

Brokerage or agency advice (unless under a written agreement)

Always consult:

A licensed attorney

A CPA

A financial advisor

A real estate agent licensed in your state

before making decisions.

7. AI-Generated Content Disclaimer

We may use AI tools (including chat-based assistants) to:

Answer questions

Analyze deals

Summarize information

Provide educational suggestions

You understand and agree that:

✔ AI-generated output may contain errors
✔ AI does not replace professional judgment
✔ AI responses must be verified before action
✔ You are solely responsible for the decisions you make

We are not liable for reliance on AI-generated content.

8. Forward-Looking Statements

Any statements about future performance are opinions, not facts.
Words like:

“Expect”

“Should”

“May”

“Potential”

“Opportunity”

“Possibility”

“Could”

…indicate expectations, not guarantees.

Actual results may differ materially.

9. No Professional Relationship Created

Participation in:

Coaching

Training

Mentorship

AI interactions

Calls

Deal analysis

…does not create:

A partnership

Agency

Joint venture

Employment

Fiduciary relationship

Unless a separate written contract is signed.

10. Limitation of Liability

To the fullest extent permitted by law:

Monvestor Inc., its owners, employees, contractors, and partners are NOT liable for:

Financial losses

Real estate losses

Missed opportunities

Market changes

Legal consequences

Deals that fall through

Lost profits

Errors in content

Contractor or lender issues

Eviction or tenant problems

Any actions you take based on our content

You assume 100% responsibility for your decisions.

11. Updates To This Disclaimer

We may update this disclaimer periodically.
The date above reflects the most recent revision.

12. Contact Information

For questions about this Earnings Disclaimer:

📧 [email protected]
📱 914-800-1880
🏢 Monvestor Inc — New York, NY