3. Community and Content Disclaimer

• You acknowledge that Mr. Then Consulting LLC does not pre-screen, filter, or approve content posted by community members, chat room participants, or third parties. As a result, you may be exposed to content that is offensive, indecent, inaccurate, or otherwise objectionable. You assume all risks associated with such exposure.
• Information posted on this website, within the community, or in chat rooms hosted by Mr. Then Consulting LLC is not investment advice, financial advice, or legal advice and should not be construed as such.
• Nothing provided constitutes an offer, solicitation, or recommendation for brokerage services, investment advisory services, or any financial product in any jurisdiction where Mr. Then Consulting LLC is not authorized to operate or where such activity would be contrary to local or securities laws.
• All information provided through these channels is solely educational and informational.

4. Compensation and Content Use

• Mr. Then Consulting LLC does not receive any compensation from any company, individual, or third party in connection with any securities, stocks, or financial products that may be mentioned within its services, community, chat rooms, or content.
• All content displayed on our platforms—including webinars, chat rooms, social media, and email communications—is strictly educational and is not intended to replace research, analysis, or advice from licensed financial professionals.
• Mr. Then Consulting LLC is not a registered investment adviser, broker-dealer, or fiduciary. Members of the community, including the owner, may hold personal positions in securities or financial instruments that are discussed, but such discussions do not constitute investment advice or recommendations.

5. Risk of Trading

• Any discussions of trades, positions, or strategies by chat room members, moderators, or educational materials are not solicitations to buy or sell a particular security or market instrument.
• All chat room examples, webinars, mentoring, emails, videos, and related content provided by Mr. Then Consulting LLC are offered for educational purposes only and must not be construed as investment advice.

6. No Guarantees and Liability

• Past performance is not indicative of future results. Any content, examples, or materials provided are for educational purposes only and must not be interpreted as legal, tax, investment, or financial advice.
• Mr. Then Consulting LLC does not access, control, or monitor client funds, accounts, or portfolios and is not engaged in the management of any investments.
• References to third-party platforms (e.g., Cash App, Robinhood, or other brokerages) are provided for educational purposes only. Mr. Then Consulting LLC makes no warranties or guarantees regarding such platforms, nor do we guarantee any outcome or result from their use. Your engagement with these platforms is solely at your own risk.

7. Trading Risks

• Trading in any market involves substantial risk of loss. These activities are not suitable for all individuals, and you should never risk funds you cannot afford to lose.
• Mr. Then Consulting LLC does not guarantee profits, freedom from loss, or the accuracy of trading discussions provided by community members, moderators, or content.
• You are solely responsible for evaluating risks and making independent decisions regarding any trades. All risks remain with you, and Mr. Then Consulting LLC assumes no responsibility or liability for losses incurred by any trader.

8. Services Provided

The services we perform may include, but are not limited to:

• Document Preparation & Credit Education. We will evaluate your current credit reports from the applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will select the items you wish to dispute, and we will advise you on the appropriate steps to pursue those disputes.

• Correspondence Preparation. We will prepare all necessary correspondence to dispute inaccurate, erroneous, false, or obsolete information on your credit reports. You will forward to us correspondence received from credit reporting agencies, and we will assist you in preparing further responses as needed.

• Document Preparation Services. We assist clients in preparing a variety of personal, financial, and business documents, including but not limited to wills, trusts, loan applications, contracts, sale agreements, non-disclosure agreements (NDAs), and powers of attorney. We are not attorneys and do not provide legal services or legal advice. All document preparation is performed at your request and under your direction.

• Tax Strategizing. Carlos Ariel Then is a tax professional with experience helping clients minimize liabilities and maximize eligible deductions. Our role is to provide education and coaching on effective tax strategies tailored to your situation. However, the tax code is highly complex and changes frequently, and no single strategy is guaranteed to apply in all circumstances. Clients are encouraged to seek a second opinion and verify that strategies remain compliant with current laws and IRS guidance. We do not guarantee any tax outcome, refund, or reduction in liability.

• Insurance Coverage Guidance. Carlos Ariel Then is a licensed insurance producer in the State of Rhode Island and may also hold licenses in other states. When permitted under his licensing authority, he will provide clients with insurance coverage options for products he is legally authorized to sell. In cases where coverage is not available directly, we may refer you to licensed affiliates. We do not guarantee lower premiums, policy acceptance, or claims outcomes.

• Financial Coaching. We offer coaching to help you set financial goals, develop money management skills, and create strategies for debt reduction, savings, and wealth building. Financial coaching is not financial advising. We are not registered investment advisors, brokers, or consultants, and we do not provide investment, securities, or fiduciary advice.

• Consulting & Monitoring. Services may be provided through personal meetings, webinars, video conferencing, telephone, email, or other forms of communication during normal business hours.

Fees & Cancellation: In return for the services above, you agree to pay the fees outlined in your Client Agreement. You may cancel your contract for any reason within five (5) business days from the date of signing by submitting written notice as outlined in your agreement or by emailing carlos@mrthen.biz.

9. Accuracy and Legal Advice

We provide credit, financial, tax, and insurance education/coaching services. While we make every effort to ensure accuracy and clearly explain your options, we do not provide legal advice or apply the law to your individual circumstances. For legal advice, you must consult a licensed attorney.

10. Limitation of Liability

MR. THEN CONSULTING LLC does not promise or guarantee any income, credit score improvement, tax outcome, insurance premium reduction, or particular result from the use of our services or information provided by Carlos Then or affiliated representatives.

• Tax Disclaimer: Tax outcomes depend on current law, IRS enforcement, and individual circumstances. Because tax laws change frequently, results cannot be guaranteed.
• Credit Disclaimer: Credit results vary depending on creditor actions, reporting agencies, and your own financial behavior.
• Insurance Disclaimer: Insurance rates, eligibility, and coverage are determined by the issuing carrier and are outside our control.
• Financial Coaching Disclaimer: Coaching is educational. We are not fiduciaries and do not provide investment advice or manage assets.

MR. THEN CONSULTING LLC assumes no liability for errors or omissions in the information provided. We will not be liable for any incidental, direct, indirect, punitive, consequential, special, exemplary, or similar damages—including but not limited to loss of income, revenue, or emotional distress—even if we have been advised of the possibility of such damages.

In no event will the total liability of MR. THEN CONSULTING LLC to any party (whether in contract, tort, or otherwise) exceed the greater of $100 or the amount paid to MR. THEN CONSULTING LLC for the product or service giving rise to the claim.

Your reliance on the information provided is at your own risk. It is your responsibility to evaluate the accuracy, completeness, and usefulness of any information, advice, or content. Professional advice should be sought where appropriate.

• Third-Party Affiliates: We may refer or connect you with third-party providers (such as insurance carriers or tax affiliates). MR. THEN CONSULTING LLC is not responsible for their performance, accuracy, or outcomes. All third-party services are governed by their own terms and policies.

11. Information Sharing Disclosure

To better serve our clients, we may share limited personal and financial information with trusted insurance affiliates. This is done solely to help clients secure better insurance rates and options. Information is shared responsibly, and only with affiliates committed to maintaining client confidentiality.

Contact Information

For questions or concerns about this disclaimer, please contact:

Email: carlos@mrthen.biz
Phone: 401-267-THEN
Address: Mr. Then Consulting LLC
c/o LitArts RI
400 Harris Ave, Unit E
Providence, RI 02909