Effective Date: November 5, 2025 Last Updated: November 5, 2025

General Disclaimer

The information provided by Cubby, LLC dba Cubby by Harp and Kin Group (“Cubby,” “we,” “us,” or “our”) through our membership programs, coaching services, workshops, events, content, and any other resources is for general informational and educational purposes only. Any statements regarding potential income, revenue projections, business growth, or success outcomes are based on estimates, industry research, and hypothetical scenarios.

No Guarantee of Results

We make no guarantees, representations, or warranties regarding the income, revenue, profits, or business success you may achieve by participating in our programs, using our workspace, attending our events, or implementing strategies discussed at Cubby.

Your results will vary and depend on many factors, including but not limited to:

• Your individual business model and industry
• Your level of effort, commitment, and execution
• Your prior experience and skill level
• Market conditions and economic factors
• Your access to capital and resources
• Timing and competitive landscape
• External factors beyond anyone’s control

Individual Results May Vary

Any testimonials, case studies, success stories, revenue examples, or business outcomes shared by Cubby members or featured in our marketing materials represent individual experiences and are not typical. These examples should not be interpreted as a promise or guarantee that you will achieve similar results.

Past performance is not indicative of future results.

No Professional Advice

The coaching, mentorship, workshops, and educational content provided at Cubby are not substitutes for professional financial, legal, tax, or business advice. We strongly recommend consulting with qualified professionals (such as accountants, attorneys, and financial advisors) before making any business or financial decisions.

Your Responsibility

You acknowledge and agree that:

You are solely responsible for your business decisions and outcomes

You assume all risks associated with starting, operating, or growing your business

Cubby is not liable for any financial losses, business failures, or adverse outcomes resulting from your participation in our programs or use of our resources

Any investment of time, money, or resources into your business venture is made at your own risk

Forward-Looking Statements

Any projections, forecasts, or forward-looking statements made by Cubby regarding potential revenue streams, membership growth, market opportunities, or business expansion are based on current assumptions and are subject to change. These statements are not guarantees of future performance.

Membership and Service Terms

By becoming a member of Cubby or participating in any of our programs, you acknowledge that you have read, understood, and agree to this Income Disclaimer. This disclaimer applies to all services, resources, and interactions provided by Cubby, LLC dba Cubby by Harp and Kin Group.

Questions or Concerns

If you have any questions about this Income Disclaimer, please contact us:

Cubby, LLC dba Cubby by Harp and Kin Group
2540 Madison Street, Suite E Clarksville, TN 37043

Email: hello@heycubby.com

This disclaimer is subject to update at any time. Please review periodically for changes.