Disclaimer

PLEASE READ THIS NOTICE CAREFULLY IN ITS ENTIRETY. It affects your legal rights and obligations. This Disclaimer explains important limitations applicable to your use of ZPHC’s websites and online services (the “Services”).

Last Updated: November 11, 2025

1) General Information Only

The information provided through the Services is for general informational and educational purposes only. While we endeavor to keep content current and useful, it may not reflect the most recent developments in a given field or jurisdiction.

2) No Professional Advice

Nothing on the Services constitutes, or is intended to constitute, legal, medical, financial, accounting, tax, or other professional advice. You should not act or refrain from acting based on any content without seeking advice from a qualified professional who is familiar with your specific circumstances.

3) Accuracy, Completeness & Availability

We make reasonable efforts to present accurate information; however, errors or omissions may occur. We do not guarantee that content is free from typographical mistakes, technical inaccuracies, or outdated references.

Availability: The Services are provided on an “as available” basis and may be interrupted, suspended, or terminated without notice.
No duty to update: We do not undertake an obligation to update any content except as required by law.

4) Testimonials & Endorsements

Any testimonials, case studies, or endorsements appearing on the Services reflect the experiences of specific users and do not guarantee that you will achieve similar results. Individual results vary due to numerous factors beyond our control.

5) Affiliate Disclosure

Some links on the Services may be “affiliate links.” This means that if you click the link and purchase an item, ZPHC may receive an affiliate commission at no additional cost to you. We only recommend products or services we believe may add value; however, you should perform your own due diligence before making any purchase.

6) External Links & Third-Party Resources

The Services may contain links to third-party websites or resources. ZPHC does not control and is not responsible for the availability, accuracy, legality, or policies of any external sites or resources.

Links are provided solely for convenience and do not constitute an endorsement of third-party content.
Accessing third-party sites is at your own risk. Review their privacy policies, terms, and practices.

7) Fair Use & Copyright

The Services may display copyrighted materials for purposes such as criticism, comment, news reporting, teaching, scholarship, or research, consistent with fair-use principles. If you intend to use copyrighted material beyond fair use, you must obtain permission from the copyright owner.

Intellectual Property: All original content, trademarks, and service marks on the Services are the property of ZPHC or their respective owners.

8) Health, Financial & Earnings Disclaimers

Health & Wellness

Any health-related content is for informational purposes only and is not a substitute for professional diagnosis or treatment. Always consult a qualified healthcare provider with questions regarding a medical condition or before starting any diet, supplement, or exercise program.

Financial & Investing

Financial content is provided for education and does not constitute investment advice. Markets involve risk, including possible loss of principal. Past performance is not indicative of future results.

Earnings & Business Results

We do not guarantee earnings or business outcomes. Any examples or income statements are illustrative only; your results will vary.

9) No Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” ZPHC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not warrant that the Services will be uninterrupted, secure, error-free, or free of harmful components.

10) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZPHC AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES.

WITHOUT LIMITING THE FOREGOING, ZPHC’S TOTAL LIABILITY FOR ANY CLAIMS RELATING TO THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID (IF ANY) TO ACCESS THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

11) Indemnification

You agree to defend, indemnify, and hold harmless ZPHC and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services, your violation of this Disclaimer or applicable law, or your violation of any third-party rights.

12) Relationship to Other Policies

This Disclaimer is intended to be read together with our Terms & Conditions and Privacy Policy. If there is a conflict between this Disclaimer and more specific terms applicable to a particular feature or page, the more specific terms control for that conflict.

13) Questions & Contact

Organization: ZPHC
Website: https://zphc.cm
Email: info@zphc.cm
Mailing Address: • Contact

If you disagree with any part of this Disclaimer, please discontinue use of the Services immediately.