Important Disclaimers & Legal Notice
Educational & informational purposes only. All content on this website — including pages, articles, videos, downloads, comments, and links — is provided solely for general educational and informational purposes. It does not constitute, and should not be relied upon as, financial, investment, tax, legal, insurance, retirement, estate-planning, or any other professional advice. No advisor, fiduciary, attorney-client, or professional relationship of any kind is created by your use of this site, by submitting any contact form, or by communicating with us through any channel.
Not affiliated with the U.S. Government. PaduaCo and One Percent Consulting are private companies. We are not a federal agency and are not affiliated with, endorsed by, or operated by OPM, FRTIB, TSP, the IRS, the Department of the Treasury, or any other federal, state, or local agency.
No guarantees. Nothing on this site guarantees or implies any specific outcome, result, financial return, tax position, eligibility decision, or other result. Past results, examples, testimonials, or case discussions are illustrative only and not a promise of future performance.
Consult a licensed professional. Before making any decision affecting your benefits, retirement, taxes, investments, insurance, estate, or legal status, consult an appropriately licensed professional in your jurisdiction. You alone are responsible for verifying information and making decisions.
Accuracy & errors. We make reasonable efforts to keep information current, but make no warranties, express or implied, regarding accuracy, completeness, reliability, timeliness, or suitability of any content for any purpose.
External links. This site may link to third-party websites for convenience. We do not control, endorse, or assume responsibility for the content, privacy practices, or availability of any third-party site.
Limitation of liability. To the maximum extent permitted by law, PaduaCo, One Percent Consulting, their owners, officers, employees, contractors, affiliates, and partners shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or in connection with your use of this website or any service, whether based on contract, tort, negligence, strict liability, or any other theory.
Forward-looking statements. Any projections, examples, or scenarios are based on assumptions that may not occur. Actual results may differ materially.
Testimonials & reviews. Any testimonials reflect individual experiences and are not typical, guaranteed, or representative of all clients.
Privacy & communications. By submitting any form or contacting us, you consent to be contacted by phone, email, or text. We do not sell your personal information. Communications are not encrypted unless specifically arranged.
Trademarks & copyright. All trademarks are the property of their respective owners. Site content © 2011– Padua Co. All rights reserved.
Use at your own risk. You access and use this website voluntarily and at your sole risk.
Severability & governing law. If any portion of these disclaimers is invalid or unenforceable, the remaining portions remain in full force. These terms are governed by the laws of the jurisdiction in which Padua Co. is registered.
Last updated: 2026. Disclaimers may be revised at any time without notice.