DISCLAIMERS

Last Updated: December 05, 2025

Interpretation and Definitions

Interpretation

Words with capitalized initial letters have meanings defined under the following conditions. These definitions shall apply regardless of whether they appear in singular or plural form.

Definitions

For the purposes of this Disclaimer:

  • Company, “We”, “Us”, “Our” refers to Top Down Investments Inc and Guy Bouchard., Suite 1116, 260 – 22529 Lougheed Hwy Maple Ridge, Canada V2X 0T5.

  • Service refers to the Website and all related content including educational materials, coaching programs, digital products, community platforms, and communications.

  • Website refers to Ultimate Real-Estate Lifestyle, accessible from https://ultimaterealestatelifestyle.com/

  • You refers to the individual using the Service, or the company or legal entity on behalf of which such individual is using the Service.

General Disclaimer

All information provided on the Service is for educational and informational purposes only.

While Our goal is to provide valuable insights and practical strategies, We make no representations or warranties of any kind regarding accuracy, completeness, reliability, suitability, investment outcomes, financial results, or any other result from using the Service.

The Company assumes no responsibility for any errors, omissions, losses, or damages arising from Your access to or use of the Service.

We reserve the right to modify, update, or remove the content of the Service at any time without notice.

The Company does not warrant that the Service is free from viruses, malware, or other harmful components.

Real Estate & Investment Risk Notice

Real estate investing involves financial risk, including but not limited to:

  • market fluctuations

  • vacancy risk

  • rising interest rates

  • leverage and debt risk

  • property damage or loss

  • unexpected repairs

  • tenant disputes

  • municipal policy changes

  • zoning adjustments

  • environmental risk

  • financing availability

  • cost of capital fluctuations

  • regulatory changes

  • tax law adjustments

  • economic downturns

  • construction delays

  • contractor risk

Any investment decision You make is strictly at Your own risk.

Nothing on the Service should be interpreted as:

  • financial advice

  • investment advice

  • legal advice

  • tax advice

  • securities advice

  • accounting advice

  • professional guarantee

You should consult licensed professionals, including lawyers, accountants, and financial advisors, before making any financial decisions.

No Investment, Legal, or Tax Advice

The Company does not provide:

  • legal advice

  • tax strategy advice

  • securities compliance advice

  • investment brokerage services

  • real estate agency representation

  • financial planning services

Any strategies, examples, frameworks, or concepts are general in nature. They are not tailored to Your specific situation.

All information should be reviewed with appropriate local licensed professionals, especially where regulatory compliance is required (e.g., private lending, syndication, joint venture agreements, raising capital, land development, securities law, etc.).

No Earnings or Results Guarantee

We make no guarantee that You will:

  • earn money

  • grow a real estate portfolio

  • secure financing

  • acquire property

  • close deals

  • obtain returns

  • improve financial circumstances

  • scale a business

  • achieve business goals

Any content describing deals, revenues, cash flows, or investment performance is illustrative only and not a promise of results.

Past performance or success stories do not guarantee future results.

Outcomes depend on numerous external factors including:

  • Your effort and skill

  • market conditions

  • access to capital

  • economic shifts

  • competition

  • property location

  • timing and execution

  • negotiation ability

  • personal circumstances

Assumption of Risk

By using the Service, You understand and agree that:

  • You are solely responsible for Your financial decisions.

  • You may lose money when investing.

  • You are voluntarily assuming all risks associated with real estate investment.

  • The Company is not liable for losses, damages, or missed opportunities.

The Company will not be held liable for:

  • business loss

  • property loss

  • financial loss

  • damage to reputation

  • errors in judgment

  • reliance on any content delivered

Regulatory and Licensing Notice

Real estate laws, licensing requirements, investment rules, lending practices, and securities regulations vary significantly by:

  • province

  • state

  • country

  • municipality

The Company makes no guarantees that the strategies taught are compliant with Your local laws.

If You intend to use strategies involving:

  • raising capital

  • JV partnerships

  • private lending

  • pooled investing

  • syndication

  • fractional ownership

  • trust structures

  • holding companies

  • tax planning

  • land development

You must consult professionals in Your jurisdiction.
Failure to comply with laws may result in severe penalties, including civil and criminal liability.

External Data & Market Information

Any market data, valuations, statistics, projections, or figures are based on sources believed to be reliable. However:

  • We do not guarantee accuracy.

  • Data may be outdated.

  • Markets change rapidly.

  • Third-party information may be inaccurate.

The Company is not responsible for errors arising from third-party data sources.

Courses, Coaching, and Digital Products

The Service may offer:

  • online courses

  • workshops

  • memberships

  • masterclasses

  • downloadable content

  • digital documents

  • private communities

  • coaching sessions

These are for education only and should not be relied on as a substitute for professional services.

Purchases are final, and no refunds are provided unless required by law.

Participation does not create:

  • fiduciary responsibility

  • investment advisor relationship

  • real estate agency relationship

  • legal or tax consultant relationship

  • employee or contractor relationship

User Generated Content

The Service may allow users to:

  • share insights

  • post comments

  • ask questions

  • upload content

We are not responsible for user-generated content. Opinions expressed are those of the user and not the Company.

We reserve the right to remove content deemed harmful, illegal, misleading, or inappropriate.

External Links Disclaimer

The Service may contain links to external sites not owned or controlled by the Company.

We do not guarantee:

  • accuracy

  • reliability

  • timeliness

  • safety of external sites

Access to external sites is at Your own risk.

Errors and Omissions Disclaimer

The Company strives for quality and accuracy but cannot guarantee the Service is free of:

  • errors

  • omissions

  • inaccuracies

  • outdated material

You should not rely solely on the Service to make financial or legal decisions.

Fair Use Disclaimer

Sometimes copyrighted material is posted for commentary, criticism, education, or research. The Company believes such use is protected by fair use principles.

If You wish to use any material beyond fair use, You must obtain proper permission.

Views Expressed Disclaimer

Any views expressed:

  • belong to the author only

  • do not represent the Company’s official position

  • may be subject to change over time

User comments are the sole responsibility of the user.

"Use at Your Own Risk" Disclaimer

All content is provided “as is” without:

  • warranties of performance

  • guarantees of accuracy

  • assurance of fitness for any purpose

Decisions or actions taken based on the Service are entirely at Your own risk.

The Company will not be liable for:

  • decisions made

  • results obtained

  • consequences of actions or inactions

  • business losses

Contact Us

If You have any questions about this Disclaimer, You may contact Us:

Email: [email protected]