“No Professional Advice” Disclaimer

The products, templates, documents, and tools available on www.negotyum.com are provided for informational and educational purposes only.

• They do not constitute legal, financial, tax, or professional advice.

• Use of these products does not create a client–advisor relationship of any kind.

• Users are solely responsible for how they use, interpret, or apply the content.

• Before making legal, financial, or business decisions, Users should consult a qualified professional.

The Provider accepts no liability for losses, damages, claims, or outcomes arising from the use or misuse of any product or content on this Website.