disclaimer

effective: october, 2026
updated: october, 2026
1. general introduction

The information provided on the Jaylana Saraya website is for general informational and educational purposes only.

This website is owned and operated by Jaylana Saraya, LLC, a business based in Washington State, United States.

Jaylana Saraya is the website name. Black Coffee and Gold is a brand name used by Jaylana Saraya, LLC and is not a separate legal entity.

Although we make reasonable efforts to provide useful and accurate information, we make no guarantee that all information is complete, current, accurate, or suitable for every individual's circumstances.

Your use of information provided on this website is at your own discretion and risk.

2. no professional advice

Unless expressly stated otherwise, the content on this website does not constitute legal, tax, accounting, investment, financial, medical, or other professional advice.

Information about money management, personal finance, budgeting, credit, business, lifestyle, or other topics is intended to support general understanding and education. It is not a substitute for advice from a qualified professional who can consider your individual circumstances.

You are responsible for evaluating any information before acting on it and for seeking professional guidance when appropriate.

3. no guarantee of results

We make no guarantees regarding any particular financial, business, personal, or other outcome from using our website, content, products, or services.

Individual results may vary depending on many factors, including personal circumstances, decisions, resources, market conditions, and actions taken.

Examples, experiences, strategies, or results discussed on this website are illustrative and should not be interpreted as promises of similar outcomes.

4. financial & credit information

Any financial education or credit-related information provided through this website is general in nature.

We do not guarantee that using any budgeting method, credit-building strategy, financial resource, or educational product will improve your financial position, credit score, credit history, access to credit, or eligibility for financial products.

Credit decisions, lending requirements, interest rates, and financial outcomes are determined by relevant financial institutions, credit reporting agencies, and other third parties, as applicable.

You are responsible for your own financial decisions. Consider consulting a qualified financial, tax, legal, or other professional when appropriate to your situation.

Nothing on this website constitutes a recommendation to purchase or sell a particular investment or financial instrument.

5. products & services

Products, digital downloads, educational resources, and services offered by Jaylana Saraya, LLC are intended to provide the information, materials, or assistance described in their respective listings or sales pages.

Purchasing or accessing a product does not guarantee a particular result.

Product descriptions, features, intended uses, and applicable terms will be provided where relevant. Any specific product license, purchase agreement, or additional disclaimer provided with an offering should be read alongside this general Disclaimer.

Nothing in this section limits consumer rights or protections that cannot legally be excluded.

6. third party links & services

This website may contain links to third-party websites, platforms, products, or services.

These links are provided for convenience or informational purposes. We do not control and are not responsible for the content, accuracy, availability, policies, or practices of third-party websites or services.

The inclusion of a link does not necessarily constitute an endorsement or guarantee of the linked service, product, or organization.

Your use of third-party websites and services is subject to their own terms, policies, and conditions.

7. website availability & technical issues

We make reasonable efforts to maintain the availability and functionality of this website. However, we do not guarantee uninterrupted access or that the website will always be free of errors, interruptions, or technical problems.

We are not responsible for disruptions caused by circumstances beyond our reasonable control, subject to applicable law.

8. limitation of responsibility

To the fullest extent permitted by applicable law, Jaylana Saraya, LLC disclaims liability for losses arising from reliance on general information provided through this website or from the use of third-party websites and services.

Nothing in this Disclaimer excludes or limits liability where such exclusion or limitation is prohibited by law.

This Disclaimer should be read together with our Terms of Use and Privacy Policy.

9. changes to this disclaimer

We may update this Disclaimer as our website, content, products, services, or legal obligations change.

When changes are made, we will update the “Last Updated” date at the top of this page. We encourage visitors to review this page periodically.

10. website availability & security

We make reasonable efforts to maintain website availability and functionality. However, we do not guarantee uninterrupted access, error-free operation, or compatibility with every device, browser, or technical environment.

Access may occasionally be interrupted for maintenance, updates, security measures, technical issues, or circumstances beyond our control.

You are responsible for maintaining appropriate security on your own devices and using reasonable precautions when accessing online services.

11. contact information

For questions about this Disclaimer, please contact:

Jaylana Saraya, LLC
Website: Jaylana Saraya
Business Location: Washington State, United States
Email: blackcoffeeandgold@jaylanasaraya.com