Disclaimer ⚠️
Last Updated: December 28, 2025
⚠️ Important Notice
The information provided on LegalMoneyTalk is for general informational and educational purposes only. It does not constitute professional advice of any kind. Always consult a qualified professional before making decisions based on this content.
1. Not Professional Advice π
The content published on LegalMoneyTalk — including articles, guides, charts, examples, and commentary — does NOT constitute:
- Tax advice — for IRS filings, audits, or specific tax situations
- Legal advice — for contracts, disputes, estate planning, or compliance matters
- Financial advice — for budgeting, debt, retirement, or wealth management
- Investment advice — buy/sell/hold recommendations for any asset
- Accounting advice — bookkeeping, payroll, or audit defense
2. Consult a Qualified Professional π
Before acting on any information from this blog, you should consult one or more of the following qualified professionals licensed in your jurisdiction:
- Certified Public Accountant (CPA)
- Tax Attorney
- Enrolled Agent (EA)
- Certified Financial Planner (CFP)
- Estate Planning Attorney
- Registered Investment Advisor (RIA)
βΉ️ Learn more about the author's qualifications: About Davit Cho →
3. Author Credentials Disclosure π
Davit Cho, the author of LegalMoneyTalk, is NOT a licensed CPA, tax attorney, Enrolled Agent, or registered financial advisor. His content is based on:
- 12+ years of FinTech operating experience as CEO of JejuPanaTek (since 2012)
- 7+ years of personal cryptocurrency investing (since 2017)
- Personal crypto tax filing experience (since 2018)
- Independent research from primary sources (IRS publications, court rulings, official guidance)
All content reflects his personal opinions and research, not licensed professional advice.
4. No Guarantee of Accuracy π
Tax laws, regulations, and cryptocurrency markets change rapidly. While we strive for accuracy and cite primary sources whenever possible, we make no representations or warranties regarding:
- The accuracy, completeness, or timeliness of any information
- The applicability of content to your specific situation
- The results of any strategy, action, or decision based on this content
Information may become outdated. Always verify with official IRS publications and current law before acting.
5. No Liability ⚖️
To the fullest extent permitted by law, LegalMoneyTalk, Davit Cho, and JejuPanaTek shall NOT be liable for any:
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- Errors, omissions, or inaccuracies in published content
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Use of this site is entirely at your own risk.
6. External Links π
LegalMoneyTalk may contain links to third‑party websites (IRS.gov, exchange platforms, tax software providers, etc.). These links are provided for convenience and reference only.
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- External content may change without notice — verify before relying on it
7. IRS Circular 230 Disclosure π
In compliance with U.S. Treasury Department Circular 230, any tax‑related content on this website is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of (i) avoiding penalties imposed under the Internal Revenue Code, or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein.
8. Your Responsibility π€
By using LegalMoneyTalk, you agree that:
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- You will consult qualified professionals for personalized advice
- You assume full responsibility for any decisions or actions you take
- You will not hold LegalMoneyTalk, Davit Cho, or JejuPanaTek liable for any outcome
9. Ad‑Free & Independence Statement π
LegalMoneyTalk is a 100% ad‑free, independent publication. We do not accept sponsored content, paid placements, or affiliate commissions from the products, services, or platforms discussed in our articles. Our analysis reflects independent research only.
10. Changes to This Disclaimer π
We may update this Disclaimer at any time without prior notice. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of LegalMoneyTalk after updates constitutes your acceptance of the revised terms.
11. Questions or Concerns π§
If you have any questions about this Disclaimer or our content, please contact:
π§ davitchh@proton.me
LegalMoneyTalk · Independent Crypto Tax & Legal Finance Analysis
Founded by Davit Cho · Crypto Tax Specialist
CEO of JejuPanaTek (2012–) · Patent #10‑1998821
About the Author · Last Updated: December 28, 2025
