Joint disclaimer for "KnowledgeGut Website" (https://knowledgegut.com/), "KnowledgeGut Academy" (https://school.knowledgegut.com/), and "Gut Talk Newsletter" under Colorful Tower Co., Ltd.

Thank you very much for using the KnowledgeGut website service operated by CAITORONG Limited (hereinafter 'the Company') and/or purchasing various Knowledge Management courses and services provided by the Company. To protect the interests of both parties and ensure you fully understand the nature of this website and course services, please carefully read the following terms and disclaimer. When you use this website (https://knowledgegut.com/、https://school.knowledgegut.com/、the URL ending with https://join.knowledgegut.com/) or purchase courses or any services, means you have agreed to and will comply with all content described in this disclaimer.

Article 1: Course Purpose and Results Statement

1. Course Content
   The Knowledge Management courses provided by KnowledgeGut under the Company aim to share our teaching experience, knowledge organization methods, and approaches to building a personal knowledge system. All course content is based on general principles or experience sharing from common scenarios and does not guarantee applicability to each student's unique circumstances, background, or needs.
2. Results Not Guaranteed
   Since each person's background, educational history, career development, resource conditions, and personal qualities differ, the understanding and practical results of course content will vary.
   • The Company cannot guarantee that you will be able to immediately establish a comprehensive knowledge system or achieve significant results after completing the course.
   • Course results depend on your implementation methods, judgment ability, environment, and various unpredictable external factors.
   • The law does not allow us to make any absolute guarantees or endorsements regarding course effectiveness.
3. Nature of the Course
   This course aims to share teaching experience and knowledge management methods, providing you with reference and direction for self-growth. Actual application, implementation, and final results still depend on your personal investment of time and resources.

Article 2: Service Format and Contact Method

1. Online Courses
   Most Knowledge Management courses provided by the KnowledgeGut website are in online teaching format. Course availability and methods will follow the Company's announcements or the plan you purchased.
2. Contact Methods
   If you have any questions or suggestions regarding course content or website services, please prioritize using the official contact methods provided by this website (such as email at hi@knowledgegut.com) to ensure your message is received and promptly replied to.
   • Fan pages and Instagram DMs may have a risk of missing messages, so we do not recommend them as primary contact channels.
3. Third-Party Tools and Platforms
   If the course involves the use of third-party software, platforms, or hardware equipment, please follow the latest official information and regulations of those services or products. The Company only provides personal experience sharing and is not responsible for the quality, pricing, updates, or after-sales service of such third-party tools.

Article 3: Advisory Services (if applicable)

1. Scope of Advisory Services
   If you choose to engage with the Company for advanced 'Operations Advisory Guidance Services' or related extended collaboration beyond the courses, the Company will provide strategies and recommendations according to your needs to assist you in making decisions regarding tool usage, knowledge management, or other specified areas.
2. Advisory Without Decision-Making Principle
   Our advisory team provides analysis and planning recommendations only. We do not intervene in your or your partners' final decision-making process, nor do we assume responsibility for the outcomes or losses resulting from your final decisions.
3. Contract Execution
   A formal contract will be signed during the collaboration period and will be executed according to the strategic guidelines and responsibilities specified. Should either party breach key contractual terms or plan content resulting in suboptimal outcomes, our company assumes no liability for any consequences arising from such breach.

Section 4: Transaction and Refund Policy

1. Digital Content Delivery
   Upon purchasing an online course, you will register for a student account with a password and gain access to view the course content (digital materials). Once the digital content is activated, it is considered delivered.
2. Refund Policy
   • Generally, activated online courses are considered digital intangible products and are not eligible for refunds.
   • If a specific course plan includes a "7-day conditional full refund" clause, that plan's specific terms will apply. Please read carefully and assess thoroughly before purchase.
3. Course and Service Modifications
   Our company reserves the right to modify course content or adjust service plans at any time. Any changes will be announced on our official website, and the latest announcement will apply.

Section 5: Third-Party Links and Affiliate Partnership Disclosure

1. Partnership Disclosure (FTC Compliance)
   In compliance with FTC regulations, we must disclose: tools, products, merchants, and services mentioned in our courses or website may have partnership or affiliate relationships with our company. Should you purchase third-party products through links provided by us, we may receive a portion of the commission.
2. No Impact on Your Price
   Any third-party transactions conducted through our links will not increase the amount you need to pay.
3. Transaction Disputes
   Our company provides information and referral services only. Any final transaction is between you and the third-party merchant. We do not intervene in consumer disputes. For cancellations or order modifications, please contact the merchant's customer service directly.

Section 6: Privacy and Information Security

1. Information Usage
   Any personal information provided when contacting us via email or other channels is used solely for course services and communication purposes. We will not sell or disclose your information to third parties without authorization.
2. Data Security
   We make reasonable efforts to protect your information security. However, factors beyond our control may exist in data transmission or storage. Please be mindful and protect your account and password to prevent data breaches.

Section 7: Disclaimer and Liability Limitations

1. Student Self-Assessment
   You should independently assess your circumstances and needs to determine whether course recommendations or methods apply to you. All course and advisory recommendations are for reference only and should not be considered absolute guidance for your final actions.
2. Not Professional Legal or Financial Advice
   Our courses and advisory services constitute knowledge and experience sharing and do not constitute professional legal, financial, investment, or medical advice. Please consult relevant professionals when necessary.
3. Responsibility for Results and Losses
   Any actions you take based on our company or course recommendations and their resulting outcomes, including any direct or indirect losses, are your sole responsibility. Our company assumes no liability for any direct or indirect legal, financial, time-related, or other losses.

Section 8: Terms Modification and Scope of Application

1. Right to Modify
   Our company reserves the right to modify or update these disclaimer terms at any time. Changes become effective immediately upon posting on our official website. Your continued use of our website or course services after modification constitutes your agreement and acceptance of the updated terms.
2. Governing Law
   This disclaimer shall be interpreted and applied in accordance with the laws of the Republic of China (Taiwan). Any matters not covered shall be resolved according to applicable laws or principles of good faith.

Affiliate Marketing Disclosure & FTC Disclaimer

Some of the content provided by this website (hereinafter referred to as "this website") includes affiliate marketing links. In accordance with the regulations of the Federal Trade Commission (FTC), this website hereby publicly discloses its sources of funding and partnership models to maintain integrity and transparency to readers.

I. About This Website

KnowledgeGut is committed to providing high-quality content and educational resources in the fields of knowledge management, digital tool applications, AI workflows, and personal growth. Our goal is to enable more users to acquire professional knowledge and practical skills at low cost or even for free.

Most of the content on this website is available for free, but the operation involves costs such as domain, server, content production, and maintenance. Therefore, this website needs to obtain financial support through multiple means, including affiliate marketing.

II. How Affiliate Marketing Works

When you purchase products or services through specific links (Affiliate Links) provided by this website, this website may receive a referral commission from the supplier.

1. No Additional Cost
   Using the recommended links on this website will not increase the price of your purchase, and in some cases, you may even receive exclusive offers or discounts.
2. Partner Selection Criteria
   This website only recommends products and services that have been personally tested or thoroughly evaluated and are believed to provide substantial value to readers. All reviews and opinions are independent views of this website and are not influenced by partnerships.
3. Tracking Technology Explanation
   Affiliate links may contain cookies or other tracking technologies to identify the referral source so suppliers can calculate commissions. This process does not provide this website with your personal sensitive information such as name, email, or payment information.

III. Disclaimer

1. All information and advice provided by this website are for educational and reference purposes only and do not constitute professional legal, financial, or medical advice.
2. Users assume all risks and responsibilities for any results arising from the use of information or resources provided by this website, including but not limited to purchasing decisions, business conduct, and personal growth.
3. This website does not guarantee the effectiveness of any specific product, service, or plan. Actual results vary depending on individual circumstances.

IV. Your Support

If you appreciate the value provided by this website and wish to support its continued operation and creation, you can:

• Purchase the products or services we recommend through our affiliate links;
• Share this website's content on social media or community platforms;
• Participate in courses or activities hosted by this website.

Your support will directly help us maintain high-quality content production and continue to promote the accessibility of knowledge and tools.

If our website "Privacy Policy and Terms of Use」、「Online Course Purchase and Service Agreement" as mentioned, we reserve the right to modify and adjust course and content offerings at any time.
If you have any questions about this disclaimer, please contact us via email at hi@knowledgegut.com. Thank you for reading and your cooperation, and we wish you all the best in your Learning and application journey within the Knowledge Management system!

Cai Tuo Bang Co., Ltd. Sincerely,