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The first thing you may want to consider before starting the forum is that you can't prevent someone from suing you. I know, your question is more about what your rules/disclaimer should contain but I thought I would start with that.
Do you hold any type of professional license to provide financial advice? If so, a disclaimer may not protect you from liability, just as a doctor providing medical advice is still held to the standard of their license, you would be also.
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A little rudeness and disrespect can elevate a meaningless interaction to a battle of wills and add drama to an otherwise dull day. Calvin
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