Disclaimer
Helping Others Prosper LLC
Effective Date: February 1, 2026
The information provided by Helping Others Prosper LLC on this website and through our services is for educational and informational purposes only.
By using this website or engaging our services, you acknowledge and agree to the following:
1. No Legal or Tax Advice
Helping Others Prosper LLC provides housing consulting, credit education, life insurance guidance, and notary services. We do not provide legal, tax, or accounting advice.
You should consult with a licensed attorney, CPA, or tax professional regarding your specific legal or tax situation.
2. Financial Education Disclaimer
All credit, budgeting, and financial coaching services are educational in nature.
We do not guarantee:
-
Specific credit score increases
-
Mortgage approval
-
Loan approval
-
Financial outcomes
Individual results vary based on personal financial behavior, creditor reporting practices, and other external factors beyond our control.
3. HUD Counseling Disclosure
While affiliated with HUD-approved housing counseling agencies, services are provided in accordance with HUD guidelines and agency policies.
Independent services offered by Helping Others Prosper LLC may not be HUD-funded unless explicitly stated.
4. Life Insurance Disclosure
Life Insurance products are offered through properly licensed channels. Coverage approval, pricing, and policy terms are determined by the issuing insurance carrier.
We do not guarantee:
-
Policy approval
-
Specific premium rates
-
Underwriting outcomes
All life insurance recommendations are based on information provided by the client and subject to carrier underwriting guidelines.
5. Notary Services Disclaimer
Notary services provided by Helping Others Prosper LLC are limited to witnessing signatures and verifying identity as permitted by state law.
We do not:
-
Provide legal advice regarding documents
-
Draft legal documents unless separately authorized
-
Determine the legal validity of documents
It is the client's responsibility to understand the contents and legal implications of any documents prior to notarization.
6. No Client Relationship Without Agreement
Use of this website or submission of contact information does not establish a formal client relationship.
A client relationship is only formed after:
-
A service agreement is signed
-
Required disclosures are provided
-
Any applicable fees are agreed upon
7. Limitations of Liability
Helping Others Prosper LLC shall not be held liable for any direct, indirect, incidental, or consequential damages resulting from:
-
Reliance on information provided
-
Financial decisions made by clients
-
Third-party actions or service providers
-
Denial of insurance, loans, or financial products
All services are provided in good faith and based on the information supplied by the client.
8. External Links
This website may contain links to third-party websites. We are not responsible for the accuracy or content of those external sites.
9. Changes to This Disclaimer
We reserve the right to update this Disclaimer at any time. Updates will be posted on this page with a revised effective date.
Contact Information
If you have questions regarding this Disclaimer, please contact:
Helping Others Prosper LLC
P.O Box 2
Semmes, AL 36575
Email: hopchristianccc@gmail.com