Legal
Terms & Disclaimer
Last updated: [TODO — set effective date before launch]
Draft — needs legal review
This page is a starting-point draft, not final legal language. Please have an attorney review and finalize this before launch. See MISSING_ASSETS.md.
Educational decision support only
Rukiya Ross is not a financial adviser, attorney, medical professional, or licensed therapist. Content on this site, including the free tools, the Second Opinion service, and any speaking or written content, is intended for general educational and informational purposes only. It is not, and should not be treated as, individualized legal, tax, medical, therapeutic, or financial advice.
The Second Opinion service
The Second Opinion is a paid, private perspective on a decision you submit. It reflects Rukiya’s honest, informed point of view — think thoughtful friend with an operations brain — not a professional recommendation or guarantee of any outcome. You remain responsible for your own decisions and should consult a licensed professional for legal, tax, medical, or individualized financial matters.
Free tools & calculators
The Real Cost of a Child, Can’t Catch a Break, and The Goalpost Calculator are interactive educational tools hosted as separate applications. They rely on the assumptions and inputs you provide and general data, and are not a substitute for personalized financial planning.
No guaranteed outcomes
Nothing on this site guarantees a specific result, financial outcome, or life outcome. Every situation is different, and decisions ultimately belong to you.
Intellectual property
The content, design, and tools on this site belong to Rukiya Ross unless otherwise noted, and may not be reproduced without permission.
Limitation of liability
To the fullest extent permitted by law, Rukiya Ross is not liable for any decisions made, or outcomes experienced, based on information provided through this site or its services.
Contact
Questions about these terms can be sent to hello@rukiyaross.com.