The best examples of general legal disclaimer examples for financial advice

Real‑world examples of general legal disclaimer examples for financial advice

Most people don’t start by hiring a lawyer to draft a disclaimer. They start by looking for examples of general legal disclaimer examples for financial advice that already feel familiar to readers and regulators.

Here are several realistic, ready-to-customize examples used across blogs, social media, newsletters, and online courses.

Example of a short “not financial advice” disclaimer for blogs

This style works well in a blog footer or at the top/bottom of an article:

Disclaimer: The information provided on this website is for educational and informational purposes only and does not constitute financial, investment, tax, or legal advice. I am not a licensed financial advisor, investment advisor, or broker-dealer. Any investment or financial decisions you make are your sole responsibility. Before acting on any information from this site, you should consult with a qualified financial professional who understands your individual situation.

Why this works:

• Clearly states the content is educational, not personalized advice.
• Clarifies the author is not a licensed advisor.
• Puts responsibility for decisions back on the reader.

If you publish long-form content, this is one of the best examples to start from and then expand for your specific niche (crypto, retirement, real estate, etc.).

Example of a social media disclaimer for financial influencers

Short-form platforms like Instagram, TikTok, or X (Twitter) need compact language. Here’s an example of a profile or bio disclaimer:

Not financial advice. Content shared here is for general information and education only and reflects my personal opinions, which may be wrong. I am not acting as your financial advisor. Do your own research and consider speaking with a licensed professional before making financial decisions.

This is one of the more realistic examples of general legal disclaimer examples for financial advice tailored to influencers:

• Uses plain language that fits social media tone.
• Emphasizes opinions rather than recommendations.
• Encourages followers to do their own research.

You can pin a longer version in a highlight, Linktree page, or YouTube description, then keep a shorter version in your bio.

Example of a podcast or YouTube financial disclaimer

Audio and video formats usually include spoken and written disclaimers. Here’s a script-style example:

Disclaimer: The views expressed in this podcast are for general informational and educational purposes only and should not be considered financial, investment, tax, or legal advice. We are not providing personalized investment recommendations or acting as your financial advisor. Investing involves risk, including the possible loss of principal. Listeners should conduct their own research and consult a qualified financial professional before making any financial decisions.

Why this is one of the best examples for creators:

• References risk and loss of principal, which regulators consistently emphasize.
• Makes it clear the host is not acting as the listener’s advisor.
• Works well both as a spoken intro and as text in the show notes.

Example of a newsletter or Substack disclaimer

Email newsletters often blend commentary, market updates, and personal opinions. That mix calls for a slightly longer disclaimer. Here is a practical example of a general legal disclaimer for financial advice in a newsletter footer:

Disclaimer: This newsletter is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. The opinions expressed are based on sources believed to be reliable as of the date of publication, but we do not guarantee accuracy or completeness. Past performance is not indicative of future results. You should not rely on this newsletter as a substitute for individualized financial advice. Always consult with a licensed financial professional who can consider your specific objectives, financial situation, and needs.

This example of a newsletter disclaimer adds two important ideas:

• No guarantee of accuracy or completeness.
• Past performance is not indicative of future results, a line regulators like the SEC repeatedly highlight in guidance.

For reference, see how the SEC talks about performance claims and risk in its investor education materials: https://www.investor.gov/introduction-investing/investing-basics.

Example of a financial coaching or course disclaimer

Online money coaches and course creators walk a fine line. They want to help people improve their finances, but they’re not acting as registered investment advisers. Here’s one of the best examples of general legal disclaimer language for that situation:

Disclaimer: The coaching services, workshops, and courses provided by [Business Name] are for educational purposes only. We are not registered investment advisers, broker-dealers, or tax professionals, and we do not provide personalized investment, securities, tax, or legal advice. Any examples, case studies, or testimonials are illustrative only and do not guarantee any particular results. You are solely responsible for your financial decisions and outcomes. Before implementing any strategies discussed in our programs, you should consult with a licensed financial, tax, or legal professional.

Why this belongs in your list of examples of general legal disclaimer examples for financial advice:

• Covers services, workshops, and courses in one statement.
• Calls out case studies and testimonials as non‑predictive.
• Reinforces that the user is responsible for their own decisions.

Example of a crypto and high‑risk investment disclaimer

Between 2024 and 2025, regulators have paid particular attention to crypto, meme stocks, and speculative trading. If you talk about those, your disclaimer should explicitly address higher risk. Here’s a realistic example:

High‑Risk Investment Disclaimer: Information related to cryptocurrencies, digital assets, leveraged products, and other speculative investments provided on this site is for general information and education only and does not constitute financial, investment, or trading advice. These assets are highly volatile and involve a significant risk of loss, including the potential loss of your entire investment. You should carefully consider your risk tolerance and consult with a qualified financial professional before investing. We do not make any guarantees regarding the accuracy, timeliness, or future performance of any markets or assets discussed.

This is one of the more targeted examples of general legal disclaimer examples for financial advice for modern content, because it:

• Names cryptocurrencies and leveraged products explicitly.
• Warns about total loss of capital.
• References volatility, a key risk concept in current guidance.

For context on high‑risk investments, you can review FINRA’s investor alerts: https://www.finra.org/investors/alerts.

Example of a firm-level website disclaimer for small advisory or planning firms

Even if you run a small registered firm, you still need a public-facing disclaimer to clarify the limits of website content. Here’s an example adapted to that use:

General Information Only: The content on this website is provided by [Firm Name] for informational purposes only and should not be interpreted as a recommendation, offer, or solicitation to buy or sell any security or to adopt any investment strategy. Nothing on this site takes into account the particular investment objectives, financial situation, or needs of any specific person. Any opinions expressed are subject to change without notice. You should not act or rely on any information on this site without seeking the advice of a qualified financial professional who can provide advice tailored to your circumstances.

This example of a firm disclaimer:

• Clarifies that content is not an offer or solicitation.
• Stresses that no particular person’s circumstances are considered.
• Notes that opinions may change without notice.

The SEC provides guidance on advertising and communications for advisers here: https://www.sec.gov/investment-management/investment-adviser-marketing.

Example of a U.S. tax and retirement planning disclaimer

If your content touches taxes, IRAs, 401(k)s, or Social Security, you should acknowledge tax law complexity and change. Try language like this:

Tax and Retirement Disclaimer: Any discussion of tax treatment or retirement strategies on this site is for general informational purposes only and may not reflect the most current legal or regulatory developments. We are not tax professionals, and this content should not be relied upon for tax planning or filing decisions. Tax laws vary by jurisdiction and are subject to change. You should consult a qualified tax advisor or the Internal Revenue Service (IRS) for guidance specific to your situation.

This is one of the best examples of general legal disclaimer examples for financial advice when tax issues show up in your content, because it:

• Explicitly says you are not a tax professional.
• Notes that laws change and vary by jurisdiction.
• Directs users to a qualified tax advisor or the IRS.

The IRS maintains current official tax guidance at https://www.irs.gov/.

How to adapt these examples of general legal disclaimer examples for financial advice

Copying and pasting a disclaimer is tempting, but you still need to tailor it. The strongest examples of general legal disclaimer examples for financial advice share a few patterns you can adapt:

• They match the platform. A TikTok bio needs short, punchy language; a course sales page can handle a longer paragraph.
• They match the relationship. Are you a hobby blogger, a coach, or a registered professional? Your disclaimer should say so.
• They match the risk level. Talking about Treasury bills is not the same as pushing leveraged options or NFTs.

When you customize, pay attention to:

1. Your actual qualifications
If you are not registered with the SEC or your state as an investment adviser, do not imply that you are. Many of the best examples carefully say:

I am not a licensed financial advisor, investment advisor, or broker‑dealer.

If you do hold licenses, you might instead say:

While I am a licensed [describe license], the information shared here is general in nature and does not create an advisory relationship with you.

2. The type of content you publish
The examples above mention:

• Education and information
• Opinions and commentary
• Case studies and testimonials

Use terms that match what you actually provide. If you mostly share market commentary, say that. If you focus on budgeting education, emphasize that instead of investing.

3. Regulatory expectations in 2024–2025
Regulators in the U.S., U.K., and elsewhere have focused heavily on:

• Misleading performance claims
• Social media “finfluencers” promoting risky products
• Disclosures around crypto and complex products

A legal disclaimer does not give you a free pass to mislead people. But the better examples of general legal disclaimer examples for financial advice:

• Avoid promising results (“you will beat the market”).
• Warn about risk and the possibility of loss.
• Encourage independent research and professional advice.

The SEC’s investor education site (https://www.investor.gov/) and FINRA’s resources are good places to sanity‑check your language against current expectations.

Where to place these examples of general legal disclaimer language

Even the best-written disclaimer is useless if no one ever sees it. When you use these examples of general legal disclaimer examples for financial advice, think about visibility and consistency.

For blogs and websites, you can:

• Add a short version at the top or bottom of each financial article.
• Include a longer, more detailed version on a dedicated “Disclaimer” or “Terms & Conditions” page and link to it in the footer.

For social media:

• Put a compact disclaimer line in your profile bio.
• Repeat a slightly longer form in link pages, captions for high‑risk topics, or pinned posts.

For podcasts and videos:

• Read a spoken disclaimer at the start or end of each episode.
• Include the full text in the episode description or show notes.

For courses and coaching:

• Place the disclaimer on sales pages, checkout pages, and in course onboarding materials.
• Include it in your contract or terms of service.

The more consistently you use these examples across your channels, the clearer it is that you are offering general information, not personalized financial advice.

Limitations of even the best examples of general legal disclaimer examples for financial advice

Here is the uncomfortable truth: a disclaimer helps, but it does not replace compliance with the law.

Even the best examples:

• Do not protect you if you are actually giving individualized advice while unlicensed where a license is required.
• Do not fix deceptive or misleading claims elsewhere on your site or channel.
• Do not automatically comply with every jurisdiction’s advertising rules.

Think of these examples of general legal disclaimer language as one layer of protection and transparency, not a shield against all legal risk.

Whenever your content starts to look like personalized investment recommendations, or if you are building a paid advisory business, it’s wise to:

• Talk to a licensed attorney who understands securities and advertising law in your jurisdiction.
• Review guidance from regulators like the SEC, FINRA, and your state securities regulator.

FAQ about examples of general legal disclaimer examples for financial advice

Q: What is a simple example of a legal disclaimer for financial advice I can use on my blog?
A: A short, realistic example is: “The information on this blog is for educational purposes only and does not constitute financial, investment, tax, or legal advice. I am not your financial advisor. You are responsible for your own financial decisions. Please consult a qualified professional before acting on any information here.” This mirrors the shorter examples of general legal disclaimer examples for financial advice used by many personal finance bloggers.

Q: Do these examples include everything I need to be legally protected?
A: No. These examples of general legal disclaimer language are starting points, not a guarantee of legal protection. Laws differ by country and state, and regulators look at your overall behavior, not just your footer text. If you are monetizing advice or building a serious financial brand, it’s smart to have a lawyer review your disclaimers and your broader compliance approach.

Q: Can I copy these best examples word‑for‑word?
A: You can use them as templates, but you should customize them to reflect your actual role, services, and audience. If you say you are not a professional but you actually are registered, that can create its own problems. The most effective examples of general legal disclaimer examples for financial advice are accurate, honest, and specific.

Q: Are disclaimers required by law for financial content?
A: In many cases, there is no single statute that says “you must have a disclaimer,” but regulators expect clear, non‑misleading disclosures. If you promote investments, products, or services, you may be required to provide certain disclosures even if the word “disclaimer” never appears. A well‑written disclaimer, modeled on the best examples, is one practical way to help meet those expectations.

Q: Do I need different examples of disclaimers for U.S. and non‑U.S. audiences?
A: If your audience is international, it’s wise to avoid implying that your content is tailored to any specific country’s regulations unless it truly is. Many creators use language like, “This content is intended for a general audience and may not be appropriate for all jurisdictions.” If you actively target another country (for example, the U.K. or EU), talk to a lawyer familiar with that region’s financial promotion rules.

Important note: The examples provided in this article are for informational and educational purposes only and do not constitute legal advice. You should consult with a qualified attorney to review and adapt any disclaimer language for your specific situation, jurisdiction, and business model.