Legal & Financial Disclaimer
Please read this disclaimer carefully before relying on any report or audit.
Using Free Agreement Risk Scanner does NOT create an attorney-client relationship, financial advisory relationship, or fiduciary duty of any kind. The output provided is automated, educational screening and not a substitute for formal legal review.
1. Nature of Automated Scanning
The Free Agreement Risk Scanner employs deterministic pattern recognition and heuristic evaluation algorithms to identify common risk markers in loan documents. However:
- Automated algorithms cannot interpret unique contextual nuances, oral understandings, or side-letter agreements.
- Scanned files with imperfect OCR or non-standard formatting may omit critical clauses.
- The absence of a "High Attention" flag does NOT guarantee that an agreement is safe, fair, or advantageous.
2. Jurisdiction Variability
Contract laws, usury interest ceilings, statutory redemption periods, and repossession notice requirements differ significantly across federal, state, and local jurisdictions. Provisions permissible in one jurisdiction may be void or unenforceable in another. Always consult with a licensed attorney admitted to practice in your specific state or province.
3. Independent Verification
You are solely responsible for independently verifying all financial calculations, APR percentages, repayment schedules, and legal terms before signing any promissory note, mortgage deed, or commercial agreement.