Disclaimer & Disclosures

Last updated: November 2026

Binding Educational Notice: This entire website, including all present and future pages, articles, interactive calculators, software tools, email newsletters, digital downloads, media, and related communications across Buck by Buck and all current or future online properties owned or operated by Kibo Climb LLC, is provided strictly for educational and informational purposes only. No content on this site or affiliated sites constitutes financial, investment, legal, accounting, or tax advice.

Not Financial, Tax, Investment, or Legal Advice

The information provided on Buck by Buck (including all articles, guides, calculators, courses, videos, software tools, downloads, social channels, and email communications), as well as any successor or affiliated websites and digital products, is for educational and informational purposes only and should not be construed as professional financial, investment, tax, accounting, or legal advice.

The author and contributors of Buck by Buck are private individuals sharing personal opinions, experiences, financial models, and educational tutorials. The author and publisher are not licensed financial advisors, Certified Financial Planners (CFP), Certified Public Accountants (CPA), registered investment advisors (RIA), broker-dealers, or attorneys. Nothing on this website creates an advisor-client, fiduciary, attorney-client, or professional relationship of any kind.

Future-Proof Scope & Affiliated Digital Properties

This disclaimer applies comprehensively to this website and to all current and future websites, web applications, tools, calculators, subdomains, digital publications, downloadable assets, and media operated or published under the Buck by Buck brand or by its parent entity, Kibo Climb LLC. Continued access or use of any present or future site constitutes your unconditional agreement that all materials are received strictly for self-directed educational study.

Personal Responsibility & Investment Risk

All investments (including stocks, exchange-traded funds (ETFs), mutual funds, bonds, real estate, options, margin borrowing, and cryptocurrencies) carry inherent risks, including the potential loss of principal. Past performance does not guarantee future results. You are solely responsible for your own financial, investment, borrowing, and tax decisions. Always conduct your own research and consult with a licensed professional (such as a CFP, CPA, or qualified tax attorney) before making significant financial or investment moves.

Calculation Tools, Interactive Models & Accuracy

Any calculators, formulas, interactive models, spreadsheets, or financial projections provided on this site or future tools are mathematical approximations based on historical data, static assumptions, or user-supplied variables. While we strive to ensure technical accuracy, we make no warranties or guarantees regarding completeness, precision, real-time accuracy, or applicability to your specific personal tax bracket, filing status, state laws, or individual financial situation. Financial rules, tax brackets, and regulatory guidelines change continuously.

Affiliate & Compensation Disclosures

Buck by Buck may participate in affiliate marketing programs. This means that if you click on certain product, book, brokerage, or service links and make a purchase or open an account, we may receive a commission at no additional cost to you.

We only recommend products, tools, and platforms that we have personally vetted. Any sponsored content or promotional partnerships will be clearly disclosed in accordance with Federal Trade Commission (FTC) guidelines.

Publisher & Entity Disclosure

Buck by Buck is published and operated by Kibo Climb LLC . All content, tools, code, and materials offered under the Buck by Buck brand are the property of Kibo Climb LLC .

Limitation of Liability & Hold Harmless

To the fullest extent permitted by applicable law, in no event shall Kibo Climb LLC, Buck by Buck, its creator, contributors, members, managers, employees, agents, or affiliates be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including financial losses, lost profits, investment losses, or tax penalties, arising out of or in connection with your access to, use of, or inability to use this website, future sites, or any tools and content.

Questions & Contact

If you have questions regarding this disclaimer, please reach out to us:

Kibo Climb LLC (d/b/a Buck by Buck)
5900 Balcones Drive STE 100
Austin, TX 78731
Email: contact@buckbybuck.com
Or visit our Contact Page.