[[ EARNINGS DISCLAIMER ]]

Effective Date: July 12, 2025

Last Updated: November 14, 2025

IMPORTANT: PLEASE READ CAREFULLY

LushedUp Finance provides educational programs and resources related to personal finance, budgeting, halal investing, and financial literacy. The purpose of this Earnings Disclaimer is to make it absolutely clear that we make NO guarantees, promises, or representations regarding your financial results.

By purchasing or participating in any LushedUp Finance program, webinar, or service, you acknowledge and agree to the terms of this Earnings Disclaimer.

1. NO GUARANTEED RESULTS

1.1 Your Results Will Vary

There is NO guarantee that you will earn any money, build wealth, or achieve specific financial results by using the strategies, information, or tools provided in our programs.

Financial success depends on many factors, including but not limited to:

  • Your current financial situation
  • Your income and expenses
  • Your discipline and consistency in implementing strategies
  • Your risk tolerance and investment decisions
  • Market conditions and economic factors
  • Your personal circumstances (family, health, career, etc.)

LushedUp Finance cannot control or guarantee any of these factors.

1.2 Past Performance Is Not Indicative of Future Results

Any references to past financial performance—whether by Hamna Zaheer, students, or third parties—are NOT guarantees of future results. The stock market, investment returns, and economic conditions fluctuate, and past performance does not predict future outcomes.

2. EDUCATIONAL CONTENT ONLY

2.1 Not Financial Advice

The content provided through LushedUp Finance programs is for educational and informational purposes only. It does NOT constitute:

  • Financial advice
  • Investment advice
  • Tax advice
  • Legal advice
  • Religious rulings (fatwas)

2.2 No Advisory Relationship

Hamna Zaheer is NOT a licensed financial advisor, investment advisor, broker, certified financial planner (CFP), or certified public accountant (CPA). No advisor-client relationship is created by your enrollment in or use of any LushedUp Finance program.

2.3 Consult Professionals

You are strongly encouraged to consult with qualified professionals before making any financial or investment decisions, including:

  • A licensed financial advisor or investment advisor
  • A tax professional (CPA or tax attorney)
  • An attorney for legal matters
  • An Islamic scholar for religious guidance (if applicable)

3. TESTIMONIALS & CASE STUDIES

3.1 Individual Results

Any testimonials, case studies, or success stories shared by LushedUp Finance (including stories of students, clients, or Hamna Zaheer herself) represent individual experiences and results.

These results are NOT typical and should NOT be interpreted as a guarantee that you will achieve similar outcomes.

3.2 Multiple Factors

The individuals featured in testimonials or case studies may have:

  • Different starting financial situations
  • Different income levels
  • Different levels of effort, discipline, and commitment
  • Access to different resources
  • Benefited from favorable market conditions

Your circumstances are unique, and your results may be significantly different.

3.3 No Endorsement of Results

The sharing of testimonials or case studies does not constitute an endorsement or guarantee of specific financial results. They are shared solely for illustrative and educational purposes.

4. INVESTMENT RISKS

4.1 All Investments Carry Risk

Investing in stocks, ETFs, mutual funds, or any other financial instrument involves risk, including the risk of losing some or all of your invested capital.

The stock market is volatile and subject to economic, political, and market forces beyond anyone's control. There is NO such thing as a "guaranteed" investment return.

4.2 No Specific Investment Recommendations

LushedUp Finance provides general education about halal investing principles and strategies. We do NOT provide specific investment recommendations or tell you which individual stocks, ETFs, or funds to purchase.

Any mention of specific investments (e.g., SPUS, UMMA, SPRE, etc.) is for educational illustration purposes only and is NOT a recommendation to buy or sell those securities.

4.3 Perform Your Own Due Diligence

You are solely responsible for:

  • Conducting your own research
  • Evaluating your own risk tolerance
  • Making your own investment decisions
  • Consulting with qualified professionals before investing

5. HALAL COMPLIANCE DISCLAIMER

5.1 Educational Framework

LushedUp Finance teaches a framework for evaluating halal compliance based on widely recognized Islamic finance principles (e.g., AAOIFI standards). However:

Hamna Zaheer is NOT an Islamic scholar, mufti, or religious authority.

The information provided is based on research and consultation with scholars but should NOT be considered a fatwa (religious ruling).

5.2 Seek Scholarly Guidance

If you have questions about the permissibility (halal vs. haram) of specific investments, you should:

  • Consult with a qualified Islamic scholar
  • Use reputable halal screening tools (e.g., Zoya, Islamicly)
  • Perform your own due diligence

LushedUp Finance is not liable for any determinations you make regarding halal compliance.

6. NO LIABILITY FOR FINANCIAL LOSSES

6.1 You Are Responsible for Your Decisions

You are solely responsible for your financial and investment decisions. By using LushedUp Finance programs, you agree that:

  • You will not hold LushedUp Finance, Hamna Zaheer, or any affiliates liable for any financial losses you incur
  • You understand that investing involves risk and that losses are possible
  • You are making decisions based on your own judgment and research

6.2 Limitation of Liability

To the fullest extent permitted by law, LushedUp Finance and Hamna Zaheer shall NOT be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

  • Your use of the program content
  • Your financial or investment decisions
  • Market fluctuations or losses
  • Any errors or omissions in the content

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID FOR THE PROGRAM.

7. FORWARD-LOOKING STATEMENTS

Any statements about potential future earnings, investment returns, or financial outcomes are forward-looking statements based on assumptions and estimates. These statements are subject to risks and uncertainties and should NOT be relied upon as guarantees.

Actual results may differ materially from any projections or examples provided.

8. EFFORT & IMPLEMENTATION REQUIRED

8.1 Success Requires Action

Building wealth and achieving financial goals requires:

  • Discipline and consistency
  • Implementation of the strategies taught
  • Time and patience
  • Proper financial planning
  • Ongoing learning and adaptation

Simply enrolling in the program or consuming content does NOT guarantee results. You must take action and apply what you learn.

8.2 No "Get Rich Quick" Promises

LushedUp Finance does NOT promote or endorse "get rich quick" schemes, day trading, or speculative investment strategies. Building long-term wealth is a gradual process that requires time, effort, and discipline.

9. THIRD-PARTY TOOLS & PLATFORMS

LushedUp Finance may reference or recommend third-party tools, platforms, or services (e.g., Fidelity, Schwab, Zoya, etc.) for educational purposes.

We do NOT endorse, guarantee, or assume liability for any third-party products or services. You are responsible for evaluating and using these tools at your own risk.

10. CHANGES TO PROGRAM CONTENT

LushedUp Finance reserves the right to update, modify, or discontinue any part of the program content at any time without prior notice. While we strive to keep content accurate and up-to-date, we do not guarantee that all information is current or error-free.

Financial markets, tax laws, and Islamic finance rulings may change over time, and it is your responsibility to stay informed.

11. ACKNOWLEDGMENT & ACCEPTANCE

By enrolling in or using any LushedUp Finance program, you acknowledge that:

âś… You have read and understood this Earnings Disclaimer
âś… You understand that results are not guaranteed and will vary
âś… You are solely responsible for your financial decisions
âś… You will not hold LushedUp Finance or Hamna Zaheer liable for any losses
âś… You will consult with qualified professionals before making financial decisions

12. CONTACT INFORMATION

If you have any questions about this Earnings Disclaimer, please contact us:

LushedUp Finance Email: [email protected] 

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THIS EARNINGS DISCLAIMER.