# Disclaimer

## Not Financial Advice

The information, skill files, knowledge bases, and analysis frameworks contained in this repository ("CRE Agent Skills") are provided for educational and informational purposes only. Nothing in this repository constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice.

The financial calculations, underwriting models, legal checklists, risk scoring frameworks, lender criteria, and all other domain-specific content are reference materials intended for learning and should not be relied upon as the sole basis for any investment, legal, financial, or business decision.

## No Professional Relationship

Use of these materials does not create an attorney-client, advisor-client, fiduciary, or any other professional relationship between you and the author(s) or contributor(s) of this repository.

## Consult Qualified Professionals

Before making any real estate investment decision, you should consult with qualified professionals appropriate to your situation, including but not limited to:

- Licensed attorneys for legal matters
- Certified Public Accountants (CPAs) for tax and accounting matters
- Licensed commercial real estate brokers for transaction matters
- Registered financial advisors for investment matters
- Licensed appraisers for valuation matters
- Licensed engineers for physical condition and environmental matters

## No Warranty

THE MATERIALS IN THIS REPOSITORY ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, OR NONINFRINGEMENT.

The author(s) and contributor(s) make no representations or warranties regarding the accuracy, completeness, currentness, suitability, or validity of any information in this repository. Market conditions, lending criteria, legal requirements, tax laws, and industry benchmarks change frequently. The data and thresholds in these files may be outdated or inapplicable to your specific situation.

## Limitation of Liability

IN NO EVENT SHALL THE AUTHOR(S) OR CONTRIBUTOR(S) BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THESE MATERIALS, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

## AI-Generated Output

These skill files are designed to instruct AI language models to produce analysis outputs. AI-generated content may contain errors, hallucinations, outdated information, or incorrect calculations. All AI-generated output should be independently verified by qualified professionals before being used for any purpose.

## Acknowledgment

By using any materials from this repository, you acknowledge that you have read and understood this disclaimer, that you accept full responsibility for any decisions made based on information produced using these materials, and that you will seek professional advice appropriate to your situation before acting on any analysis output.

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See [LICENSE](LICENSE) for the full Apache 2.0 license terms governing this repository.
