Written by Kaloian Parchev
Last Updated: March 2026
Effective Date: 07 September 2022
This is our Disclaimer and Disclosure Policy. Please read it carefully before accessing or using this website.
General Disclaimer
All information provided by Grow Smart Income and Kaloian Parchev (“us”, “we”, or “our”) on https://growsmartincome.life/ (the “Site” or “Website”) is published strictly for informational and educational purposes only. Nothing on this Site constitutes, or should be construed as, professional financial, investment, tax, legal, medical, or any other form of professional advice, recommendation, or solicitation.
This Disclaimer, together with the Terms of Use and Privacy Policy, governs and controls your access to and use of the Site, including all services, content, and functionality offered on or through the Site.
All information and content on our Site is provided on an “as is” and “as available” basis, in good faith and without any warranties of any kind, whether express, implied, or statutory. We make no representations or warranties regarding the accuracy, adequacy, validity, reliability, timeliness, availability, or completeness of any information on the Site.
Under no circumstances shall we be liable to you or any third party for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to loss of revenue, loss of profits, loss of data, or any other damages arising from or related to your use of the Site, your reliance on any information provided on the Site, or your inability to access or use the Site.
Your access to and use of this Site, and your reliance on any information published on the Site, is entirely and solely at your own risk.
Not Professional Advice
The Site does not provide financial, investment, tax, legal, medical, or any other professional advice. All content, including but not limited to articles, newsletters, opinions, analyses, charts, and commentary, is published for general informational and educational purposes only.
You should not interpret, construe, or rely on any information on this Site as a substitute for consultation with qualified professionals. Before making any financial, investment, or other decisions based on information from this Site, we strongly advise you to seek independent advice from appropriately licensed and qualified professionals.
Any mention of specific securities, assets, strategies, or financial products on this Site does not constitute a recommendation to buy, sell, hold, or otherwise transact in those instruments. Past performance is not indicative of future results.
Your access to and use of this Site, and your reliance on any information published on the Site, is entirely and solely at your own risk.
Personal Opinions and Forward-Looking Statements
The views, opinions, and analyses expressed on this Site are the personal views of the author and do not represent the views of any employer, organization, committee, or other group or individual. These opinions may change at any time without notice and without obligation to update previously published content.
Certain content on the Site may contain forward-looking statements, estimates, or projections. These are inherently uncertain and speculative, and actual results or outcomes may differ materially from those expressed or implied. We assume no obligation to update forward-looking statements.
Use of AI-Assisted Tools
Some content on this Site may be created, edited, or enhanced with the assistance of artificial intelligence (AI) tools. While all AI-assisted content is reviewed and curated by the author before publication, we make no additional warranties regarding the accuracy or completeness of such content beyond those stated in this Disclaimer. The use of AI tools does not alter or diminish any of the disclaimers, limitations of liability, or other terms set forth herein.
External Links Disclaimer
This Site may contain hyperlinks to external websites and resources operated by third parties. We may also display advertisements or banners that link to third-party websites, products, services, or companies. We do not review, verify, control, monitor, or endorse the content, accuracy, policies, products, services, or practices of any third-party websites. The inclusion of any link does not imply our endorsement, affiliation, or sponsorship of the linked website or its operators.
If you choose to follow a link to an external website, you do so entirely at your own risk. We expressly disclaim any and all liability for any loss, damage, or harm you may experience as a result of visiting or transacting with any third-party website.
No Guarantees of Results
By using this Site, you acknowledge and agree that we have not made, and do not make, any guarantees whatsoever about the results or outcomes of taking any action, whether or not based on information or recommendations found on this Site. Individual results vary significantly based on personal circumstances, effort, market conditions, timing, and numerous other factors that are entirely beyond our control.
We do not guarantee that any product, service, strategy, or approach discussed on this Site will produce any particular result for you. Your success or failure is ultimately dependent on your own decisions, actions, and individual circumstances.
Affiliates Disclaimer
This Site may contain links to affiliate websites and partners. If you click on an affiliate link and subsequently make a purchase through that link, we may receive a commission from that transaction. Purchases made through our affiliate links are at no additional cost to you — you will pay the same price as you would without using our link.
Affiliate relationships do not influence our editorial content or opinions. However, the presence of affiliate links means we have a financial incentive to recommend certain products or services, and you should take this into consideration when evaluating our recommendations.
Wherever affiliate links are present on a page or within a post, we will disclose this to you.
Paid Advertising
This Site may feature paid advertisements, sponsored content, or promotional placements from third-party businesses and retailers. Revenue from advertising helps us cover the costs of operating this Site and producing our content.
In compliance with IAB Guidelines, we fully disclose when our content contains affiliate links or paid placements. For more information, please visit: http://paidforadvertising.com/
Limitation of Liability
To the fullest extent permitted by applicable law, in no event shall Grow Smart Income, Kaloian Parchev, or any of our affiliates, partners, agents, or contributors be liable for any direct, indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with your access to, use of, or inability to use this Site, or any content, information, products, or services obtained through this Site, even if we have been advised of the possibility of such damages.
Indemnification
You agree to indemnify, defend, and hold harmless Grow Smart Income, Kaloian Parchev, and any affiliates, partners, agents, and contributors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to your use of the Site, your violation of this Disclaimer, or your violation of any rights of a third party.
Changes to This Disclaimer
We reserve the right to modify, update, or replace any part of this Disclaimer at any time without prior notice. It is your responsibility to review this page periodically for changes. Your continued use of the Site after any modifications constitutes your acceptance of the updated Disclaimer.
Governing Law
This Disclaimer shall be governed by and construed in accordance with the laws of the Republic of Bulgaria, without regard to its conflict of law provisions. Any disputes arising from or related to this Disclaimer or your use of the Site shall be subject to the exclusive jurisdiction of the courts of Sofia, Bulgaria.
Contact Information
If you have any questions, concerns, or comments about this Disclaimer and Disclosure Policy, you may contact us through the Contact section of the Site or by emailing us at hello @ growsmartincome . life