Carmin Wharton Coaching Disclaimer

Last Updated: July 11, 2026

This Disclaimer governs your use of the website located at carminwharton.com (the “Website”) and any programs, courses, coaching, digital products, downloads, emails, videos, or other materials offered by Carmin Wharton, Carmin Wharton Coaching, and Carmin Wharton International LLC (collectively, “Carmin Wharton Coaching,” “we,” “us,” or “our”). By accessing this Website or purchasing or using any of our programs, products, or services, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer in its entirety. If you do not agree, please do not use this Website or our services.

1. General — For Educational Purposes Only

All content, information, coaching, programs, digital products, and materials made available through Carmin Wharton Coaching are provided for general informational and educational purposes only. Nothing offered on this Website or through our programs constitutes professional, financial, legal, tax, accounting, medical, psychological, or therapeutic advice, and nothing should be relied upon as a substitute for advice from a qualified, licensed professional who is familiar with your individual circumstances.

The content reflects the opinions, experiences, and educational frameworks of Carmin Wharton, including the B.E.G.I.N. Business System™ and B.E.G.I.N. Life System™. It is intended to inform, support, and empower you to make your own decisions. You are solely responsible for your own choices, actions, and results.

2. No Professional Relationship

Your use of this Website and our programs does not create any professional relationship beyond a coaching relationship as expressly agreed to in writing. No fiduciary, advisory, attorney–client, doctor–patient, therapist–client, or financial-advisor relationship is created by your use of this Website, our free content, or our paid programs. Coaching is not a licensed or regulated professional service.

3. Earnings & Income Disclaimer

Carmin Wharton Coaching helps clients develop and monetize their professional knowledge and expertise. However, we make no promises, representations, warranties, or guarantees, express or implied, regarding your future earnings, income, revenue, profits, business growth, or financial results.

Any earnings, income, revenue, or results — whether stated, referenced, implied, or shown in examples, case studies, or testimonials — are illustrative only and are not a promise or guarantee of your results. You understand and agree that:

● There is no guarantee that you will earn any money, build a profitable business, or achieve any particular result using our information, programs, coaching, or strategies.

● Any examples of income or results are exceptional, are not typical, are not average, and should not be interpreted as a promise or guarantee of what you will earn.

● Your results depend on many factors we do not control, including but not limited to your background, experience, effort, skills, dedication, timing, market conditions, and business decisions.

● Building a business involves risk, including the risk of earning little or no money and the risk of losing money you invest.

● All business endeavors carry inherent risk, and past performance does not predict future results.

You alone are responsible for your actions and results. You should perform your own due diligence and, where appropriate, consult a licensed professional before making business or financial decisions.

4. Financial Disclaimer

Carmin Wharton is not a licensed financial advisor, investment advisor, accountant, tax professional, or attorney. No content on this Website or within our programs constitutes financial, investment, tax, accounting, or legal advice, and none of it should be relied upon as such.

Any references to money, pricing, revenue, investment, budgeting, or financial strategy are provided for general educational purposes only and do not take into account your individual financial situation, needs, or objectives. Before making any financial, investment, or tax decision, you should consult a qualified, licensed professional who can advise you based on your specific circumstances. You are solely responsible for your own financial decisions and outcomes.

5. Medical & Health Disclaimer

Carmin Wharton is not a physician, medical professional, or licensed healthcare provider, and nothing on this Website or within our programs is intended to be, or should be construed as, medical or health advice, diagnosis, or treatment.

Any information relating to health, energy, stress, rest, lifestyle, or general wellbeing is offered for general educational and informational purposes only. It is not a substitute for professional medical advice, and you should always seek the guidance of your physician or another qualified healthcare provider with any questions you may have regarding a medical condition or before making changes that could affect your health. Never disregard professional medical advice or delay seeking it because of something you read or heard through Carmin Wharton Coaching.

6. Mental Health & Emotional Wellbeing Disclaimer

Coaching is not therapy, counseling, psychotherapy, or mental-health treatment, and Carmin Wharton is not a licensed therapist, psychologist, psychiatrist, social worker, or mental-health professional. Our programs, including the B.E.G.I.N. Life System™, are educational and supportive in nature and are not a substitute for professional mental-health care, diagnosis, or treatment.

If you are experiencing a mental-health condition, emotional distress, or a crisis, please consult a qualified, licensed mental-health professional. Coaching should not be used in place of care from such a professional.

If you are in crisis or believe you may be experiencing a medical or mental-health emergency, do not rely on this Website. Call 911 (or your local emergency number) immediately. In the United States, you can also call or text 988 to reach the 988 Suicide & Crisis Lifeline, which is available 24 hours a day, 7 days a week.

7. Nature of the Coaching Relationship

Coaching is a partnership designed to help you clarify goals, develop strategies, and take action. As the client, you are responsible for your own decisions, actions, and results. Carmin Wharton Coaching provides guidance, frameworks, accountability, and support, but does not make decisions for you and cannot and does not guarantee any particular outcome. Your success depends primarily on your own effort, commitment, and follow-through.

8. Legal Disclaimer

Carmin Wharton is not an attorney, and no content on this Website or within our programs constitutes legal advice. Any references to business formation, contracts, intellectual property, compliance, or other legal topics are general and educational only. You should consult a licensed attorney in your jurisdiction regarding your specific legal questions and before taking any action with legal implications.

9. Testimonials & Results Disclaimer

Testimonials, reviews, success stories, and examples shared on this Website or in our programs reflect the real experiences of individuals who have used our services. However, they are individual results, they are not necessarily typical, and they do not guarantee that you will achieve the same or similar results. The people providing testimonials have not been compensated for them unless expressly noted. Their experiences are personal to them and depend on factors unique to each individual.

10. No Guarantees

While we strive to provide high-quality, valuable content and services, we make no guarantees regarding the outcomes you will experience. We do not guarantee any specific result from participation in our programs, use of our products, or reliance on our content. Results vary from person to person, and your results are ultimately your responsibility.

11. Personal Responsibility & Assumption of Risk

By using this Website and our programs, products, and services, you accept full responsibility for your own decisions, actions, and results. You agree that Carmin Wharton Coaching is not and will not be responsible for any decision you make or action you take based on the information provided. You knowingly and voluntarily assume all risks associated with using our content and services, and you agree to use your own judgment and due diligence before acting on any information.

12. External Links & Third-Party Content

This Website may contain links to third-party websites, products, or services that are not owned or controlled by Carmin Wharton Coaching. We are not responsible for the content, accuracy, privacy practices, or policies of any third-party sites or services. The inclusion of any link does not imply endorsement. You access third-party websites and use third-party products and services at your own risk.

13. Affiliate Disclosure

From time to time, this Website may contain affiliate links, which means we may earn a commission (at no additional cost to you) if you click a link and purchase a product or service we recommend. We only recommend products and services we believe may provide value, but you should perform your own evaluation before purchasing. Our recommendations are our own opinions and are not a guarantee of results.

14. Errors, Omissions & Accuracy

We make reasonable efforts to ensure the information on this Website is accurate and up to date. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Website or its content. Information may contain errors or omissions and may change without notice. Any reliance you place on such information is strictly at your own risk.

15. Limitation of Liability

To the fullest extent permitted by law, Carmin Wharton, Carmin Wharton Coaching, and Carmin Wharton International LLC, and their affiliates, contractors, and representatives, shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages — including but not limited to loss of profits, revenue, data, business opportunity, or goodwill — arising out of or in connection with your use of, or inability to use, this Website, our content, or our programs, products, and services, whether based on warranty, contract, tort, or any other legal theory, and whether or not we were advised of the possibility of such damages. Your sole and exclusive remedy for dissatisfaction with the Website or our services is to stop using them.

16. Changes to This Disclaimer

We reserve the right to update, modify, or replace this Disclaimer at any time and in our sole discretion. Any changes will be effective immediately upon posting to this Website, with the “Last Updated” date revised accordingly. Your continued use of the Website after any changes constitutes acceptance of the revised Disclaimer. We encourage you to review this Disclaimer periodically.

17. Governing Law & Contact

This Disclaimer shall be governed by and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict-of-law provisions. [Confirm your governing-law state with your attorney.]

If you have any questions about this Disclaimer, please contact us at: info@carminwharton.com