disclaimer of interest formpure as snow ending explained

of Business, Corporate Voting, Board A copyright notice informs users that materials shared on your website are protected by copyright law. Category: Trusts - Disclaimers - Acceptances State: Multi-State Control #: US-01230BG Instant Download Buy now Available formats: Word | Rich Text Free Preview Description Related Forms How to Guide Our disclaimer generator can help you create your disclaimers without hassle. Agreements, Letter Have a wonderful day! It may also apply to concurrent interests in real property that automatically transfer after death by operation of law rather than by the rules of inheritance (such as joint tenancies or tenancies by the entirety). You need to assume that people could act upon the information contained in your videos so, depending on what you are sharing with your viewers, you may want to add one of the following disclaimers (this list is non-exhaustive, these are just common examples): You could include these disclaimers in the first few seconds of your video or in its description. Decide on what kind of signature to create. So, in all cases, avoidlegaleseand write your disclaimers in simple, everyday words that a person of average intelligence can understand. In England and Wales, a disclaimer is likewise irrevocable and covers the entire testamentary gift. Sale, Contract Technology, Power of Templates, Name Michael W. said: I thought it was fine, but I would like to have the option to download Word versions of each form, for easier preparation on my end. x\i_D>m- ]qD!Kd?yUp]]gW7ooy5U]WC?o/|WRz[^j+|(W/AS_Qi](*^Y~_u{F-^!'zu/jkbxT_\c:nme2Lu[i9Ce|B)FGUE#M&GBYMZt(u1@iN3w$#!XK`N3fH1"whO/,sb this or anyinheritance. The disclaimer must be in writing and submitted to the court overseeing the disposition of the estate within a legally specified time period, which is usually nine months after the death of the person from whom the disclaiming party stands to inherit, or twelve months after the creation of a trust by a living person. For example, if you make false claims in your advertising or intentionally share misleading information, a disclaimer wont save you from the repercussions. This is Youll see disclaimers everywhere. When in doubt as to the drawbacks and benefits of renouncing the property, consult with an attorney. In addition to the more typical disclaimer under wills, an individual may also be able to disclaim his interest as the beneficiary of a life insurance policy or employee benefit plans. Theft, Personal DISCLAIMER OF INTEREST. Use the Search field at the top of the webpage if you have to look for another file. The Health Insurance Portability and Accountability Act (HIPAA) requires persons sending protected health information to US medical patients to include a confidentiality disclaimer. Divorce, Separation deeds can be inherited, not everyone wants to inherit a timeshare. The following purposes are explicitly considered to be fair use under Title 17, Section 107 of the United States Code and thus should not be considered copyright infringement: Fair use is not limited to the above and is to be considered on a case-by-case basis. Sample Disclaimer Template [Free Download], Guides Concerning the Use of Endorsements and Testimonials in Advertising, confidentiality disclaimer is commonly used in email, Health Insurance Portability and Accountability Act, Rule 7.1(f) of the New York Rules of Professional Conduct, difference between a privacy policy, disclaimer, and terms and conditions, States that information on their site should not be construed as advice and should not be relied on, Disclaims liability for any inaccurate statement on their website, Specifies that they wont bear responsibility if anyone suffers damage because their site is temporarily unavailable, States that they link to third-party websites and are not liable for any information contained on those websites. Yes, a disclaimer legally protects you in some instances. In addition, you can state the rules guiding the use of your content. Amendments, Corporate In this section: "Future interest" means an interest that takes effect in possession or enjoyment, if at all, later than the time of its creation. We do not claim, and you should not assume, that all users will have the same experiences. "Time of distribution" means the time when a disclaimed interest would have taken effect in possession or enjoyment. Agreements, LLC Disclaimers are statements that lay the bare truth on the table, thus keeping the honest reputation of your brandremoving all the obstacles that put your business's marketing efforts into a complete waste. You can include disclaimers as part of your menu. And from cryptocurrency tracking toolCoinMarketCap: CoinMarketCaps disclaimer addresses the accuracy of the information provided and encourages website users to do their own research before making any investment decisions. The use or reliance of any information contained on this site [or our mobile application] is solely at your own risk. Weve put together this guide to help you create a comprehensive disclaimer on your own, using our free disclaimer generator or with our disclaimer template. Anearnings disclaimer is another type of disclaimer that the FTC mandates for websites offering investment advice, financial advice, or money-making opportunities. A views expressed disclaimer asserts that the opinions expressed in an article or any written material are those of the author and not the opinion of the website. If you have affiliate links in any part of your website, the 2009 Federal Trade Commission (FTC) 2009 Guides Concerning the Use of Endorsements and Testimonials in Advertising mandates that you inform your site visitors. [We are not affiliated with users who provide testimonials, and users are not paid or otherwise compensated for their testimonials.]. And so, they cant use your content in a way that infringes on your copyright without your permission. sample letter to disclaim inherited ira. not to make any payments or otherwise deal with the timeshare. If you run an online business or app that offers medical advice such as a health website you need to inform users that the information on the site is only meant to educate and is not intended to replace medical advice from a healthcare provider. 4. Depending on the nature of your business and the information you share on your website, you may need one or more of these types of disclaimer: An affiliate disclaimer lets your website users know you may earn affiliate commissions from products you recommend. In some professions, such as law, professional rules and ethics mandate the use of certain disclaimers. Your disclaimer serves as a warning notice when people visit your blog or website. email. Attorney, Terms of State laws greatly vary with respect to disclaimer of interest. Contractors, Confidentiality Your disclaimer should state that using your equipment carries inherent risks, and you wont be responsible for any injury clients suffer while using your equipment. It is important for an individual to review the laws and regulations regarding this process in his/her state, as it varies from one state to another. A disclaimer of interest is irrevocable. Participants of Directors, Bylaws scenario, the timeshare corporation will accept the deed back. own an interest in the same property. Create this form in 5 minutes! The Site [and our mobile application] may contain links to affiliate websites, and we receive an affiliate commission for any purchases made by you on the affiliate website using such links. Declares the intent to disclaim the interest. If you are summarizing or quoting someone elses work,including a fair use disclaimeron your website could protect you from being accused of copyright infringement, as you are recognizing and informing your readers that the text quoted is not your own words and that you consider said use to be fair. A good example of this type of disclaimer is the Amazon affiliate disclosure, which is required by the Amazon Associates program, one of the most popular affiliate programs on the internet. Similar to the financial and investment disclaimer above, a health and medical disclaimer is used to warn your readers that the information provided on your website is not to be taken as professional medical advice and is for educational purposes only. services, For Small interest, alegal mechanism exists by which theperson can reject In most cases, this period is nine months following . A past performance disclaimer informs users that any past performance they know about does not guarantee future results. Our affiliates include [_________________]. If you use a form on our Site, you explicitly agree to our Terms of Use. Name Change, Buy/Sell Records, Annual Directive, Power ?QsuN>:~)37tqO0H+(4b(daK1i9cSX-q]S-R_E 7_+|k|!~c\"2@Jc?v+'jg\mA+:N. The concept At most, they can inspire you in creating your legal disclaimer template. With US Legal Forms, finishing Disclaimer by Beneficiary of all Rights under Trust and Acceptance of Disclaimer by Trustee templates or other legal files is not difficult. The disclaimer must be delivered to the transferor, donor or representative, trustee or person who has legal title. They have this phrase plus their disclaimer in their website footer, which means both the phrase and their disclaimer policy are visible on any page. Any disclaimer of an interest in a trust by a trust beneficiary must be made to the trustee of that trust. Also, if you allow advertising on your website and social media pages, a disclaimer can shield you from being held responsible for any liability. A confidentiality disclaimer is commonly used in email to inform the recipient that the information in the email is for their eyes only and should not be shared with others. Disclaimer of Interest form. You may also include that the product specifications on your site were provided by the manufacturer. atimeshare deed holder, when writing a will, may instruct the executor Their disclaimer is short but quite extensive and uses clear easy-to-understand words. A disclaimer can be your defense against legal claims from your content or product users. The Site may contain testimonials by users of our products and/or services. We rounded up some examples of disclaimers that we think are great and explain why. Use professional pre-built templates to fill in and sign documents online faster. Some relatives may not want to inherit the deceased individuals assets. representative in the county where the estateis being administered, Notes, Premarital It must be received within nine months after the decedent's death, the transfer, or the 21st birthday of the beneficiary (Probate Code 279) and is only valid if no actions have indicated acceptance of the property. Consumers appreciate it when a business is transparent in its dealings with them. If you also share your opinions on your site, you should state that the information you share is not a fact but your opinion on different issues. Agreements, Bill Center, Small I just hope that it really worked. Planning Pack, Home A similar effect to a disclaimer (including for inheritance tax and capital gains tax purposes) can be achieved with a greater degree of flexibility through the use of a "deed of variation" (or "deed of family arrangement"). 1, eff. A person who may be entitled to receive property as a beneficiary may disclaim the person's interest in or power over the property in accordance with Chapter 240, Property Code. January 1, 2014. Reply from Staff: Thank you for your feedback. (c) Delivery of Disclaimer. The content of your disclaimer depends on the nature of your business and the liability you want to protect it from. The views and opinions contained in the testimonials belong solely to the individual user and do not reflect our views and opinions. JavaScript seems to be disabled in your browser. Is signed and notarized with a notary public. Estate, Last The materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. %PDF-1.3 Amended by: Incorporation services, Living Disclaimer Of Interest Form The Forms Professionals Trust! Its common to include the phrase as is to let customers know that the product they will receive is exactly as they saw it on your online store. Any website sharing legal-related news, content, or advice should have a legal disclaimer in place that specifies that the information provided is for informational purposes only and does not create a lawyer-client relationship. This protects you from any defects or inaccuracies in the product specifications. An attorney with industry experience understands your business and knows what liability you most need to protect yourself from. If you copy another websites disclaimer, you will have a disclaimer that doesnt cater to your needs. Will, Advanced By informing users that you work with third parties and you dont make any guarantee as to the effectiveness or accuracy of their content, services, or products, you can ensure you wont be liable for other peoples failings. For example, you can include a third-party disclaimer in your terms and conditions and a product disclaimer in your refund policy. Similarly, if you publish guest posts or allow comments on your website, a disclaimer can help detach your business from other peoples opinions on your website or blog. For example, they may protect a business from legal claims arising from users and third-party risk. It also warns them that the information that you are sharing does not constitute financial advice and is for educational or informational purposes only. State that there is no special relationship between you and them (if there is none). You may hire a lawyer to write or review your website disclaimers or advise you on the disclaimers you need to have on your website. disclaimer of interest form. The disclaimer shall (1) describe the property or part or interest disclaimed, (2) be signed by the disclaimant or his representative and (3) declare the disclaimer and the extent thereof. After that, the form can be found in the My Forms tab. A testimonial disclaimer is essential if you want to comply with applicable laws. Most likely, yes, you need a disclaimer on your website. Using the template is simple just copy and paste the sample disclaimer text into the HTML of your site. Kwaku A. said: Excellent service ! 64.2-2604. Will, All I would recommend and would use again. for Deed, Promissory A disclaimer is a denial or renunciation of something. It must be filed with any of the following entities according to Probate Code 280(a): the superior court in the county where the estate is administered; the representative of the deceased or executor of the estate; the creator of the interest; or "any other person having custody or possession of or legal title to the interest." In order for an individual to refuse an inheritance, he/she must file a disclaimer of interest. will, or as a designated beneficiary. All information on the Site [and our mobile application] is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information on the Site [or our mobile application]. For example, acopyright disclaimer on your website will notify users that all the materials on your site are subject to copyright laws. It also provides reasons that visitors should not have that expectation. the spouse. A disclaimer is simply a declaration by the person entitled to property that the interest in that property is disclaimed or renounced. The following are the most common disclaimer clauses youre likely to find in a disclaimer. A qualified disclaimer is a part of the U.S. tax code that allows estate assets to pass to a beneficiary without being subject to income tax. Besides the beneficiary, state the name of the creator of the interest, as well as the next beneficiary to whom the interest will pass, e.g., the next person in line to inherit. No testimonials have been clinically proven or evaluated. As long as your disclaimer is well-written and relevant to your site, it will play an important role in the legal side of your business. Deliver the disclaimer to the person in control of the estate usually the executor or trustee. By way of example, here is a no guarantee disclaimer that appears on theTennessee Department of Environment and Conservationwebsite: While the department makes this list available to its constituents to make financial assurance requirements more intelligible, it does not guarantee the validity of the information. To be part & Resolutions, Corporate Service, Contact All information, software, services, and comments provided on the site are for informational and self-help purposes only and are not intended to be a substitute for professional legal advice. Sales, Landlord Alabama Disclaimer of Property Interest Law, Alaska Disclaimer of Property Interests Law, Arizona Disclaimer of Property Interests Law, Arkansas Disclaimer of Property Interest Law, California Disclaimer of Property Interests Law, Colorado Disclaimer of Property Interests Law, Connecticut Disclaimer of Property Interests Law, District of Columbia Disclaimer of Property Interests Law, Florida Disclaimer of Property Interests Law, Georgia Disclaimer of Property Interests Law, Idaho Disclaimer of Property Interests Law, Illinois Disclaimer of Property Interests Law, Iowa Disclaimer of Property Interests Law, Kansas Disclaimer of Property Interest Law, Kentucky Disclaimer of Property Interest Law, Maine Disclaimer of Property Interest Law, Maryland Disclaimer of Property Interest Law, Mississippi Disclaimer of Property Interest Law, Montana Disclaimer of Property Interest Law, Nebraska Disclaimer of Property Interest Law, Nevada Disclaimer of Property Interest Law, New Hampshire Disclaimer of Property Interest Law, New Jersey Disclaimer of Property Interest Law, New Mexico Disclaimer of Property Interest Law, New York Disclaimer of Property Interest Law, North Carolina Disclaimer of Property Interest Law, North Dakota Disclaimer of Property Interest Law, Oklahoma Disclaimer of Property Interest Law, Oregon Disclaimer of Property Interest Law, Pennsylvania Disclaimer of Property Interest Law, Rhode Island Disclaimer of Property Interest Law, South Carolina Disclaimer of Property Interest Law, South Dakota Disclaimer of Property Interest Law, Tennessee Disclaimer of Property Interest Law, Texas Disclaimer of Property Interest Law, Vermont Disclaimer of Property Interest Law, Virginia Disclaimer of Property Interest Law, Washington Disclaimer of Property Interest Law, West Virginia Disclaimer of Property Interest Law, Wisconsin Disclaimer of Property Interest Law. A no-responsibility disclaimer, otherwise known as a no-liability disclaimer, is a statement that helps you prevent claims of civil liability by your customers. statute in Colorado on a Disclaimer of Interest. The organization, among other things: Maple Leaf Funds past performance disclaimer is straightforward and advises visitors not to rely on past performance as a guarantee of future earnings. Change, Waiver Some of the most common places you can post your website disclaimer include: Websites need to have various policies intended to protect both the site owner and the visitors. At Deeds.com, we understand that your time and money are valuable resources, and we don't want you to face a penalty fee or rejection imposed by a county recorder for submitting nonstandard documents. The law has made it acceptable, under very specific circumstances and for very specific purposes only, for one to use someone elses copyrighted work without first requiring their consent. Here are 15 disclaimer examples from different industries and website types to give give you a better idea of what kind of clauses your own disclaimer has to include. US Legal Forms Ohio Renunciation And Disclaimer of Real Property Interest Disclaimer Of Interest Form The Forms Professionals Trust! Use the Preview function and read the form description (if available) to make certain that its the correct document for what you are looking for. of Sale, Contract Deeded However, one cannot vary one's entitlement under a deed of variation. In the case of real property, give the entire legal description of the land and provide recording information for the prior deed in order to avoid any problems in the chain of title. You can also use it to protect your business from claims that arise from injuries sustained by misusing your products. He/she must create a written disclaimer and submit the document to the court that is responsible for the distribution of the estate. Here is a short but easy-to-understand affiliate disclaimer example from aDigitalMarketerblog post: DigitalMarketers affiliate disclosure statement appears at the top of their blog post, which recommends must-read books for marketers. Some disclaimers, like an opinions expressed disclaimer, can be added at the end of the article. Therefore, certain people will be entitled to a portion of the deceaseds estate. These testimonials reflect the real-life experiences and opinions of such users. Disclaimers must be written to be effective. Real Estate, Last jurisdictions require that the form be delivered to thepersonal << /Length 5 0 R /Filter /FlateDecode >> This helps protect you from any misconceptions a customer has about your products. Explain that you dont take responsibility for information contained on third-party websites your website links to. The Disclaimer of Interest: Names the deceased person. resort company, whether unaware or aware of the death of a timeshare owner, can Finally, for Here is a sample legal disclaimer fromDentons, one of the worlds largest law firms: This is part of Dentons terms of use, which also include various other disclaimers and limitations of liability. The testimonials on the Site are submitted in various forms such as text, audio and/or video, and are reviewed by us before being posted. Spanish, Localized AndMelissaWoodHealth, who offers online pilates training through her website, includes the following fitness disclaimer: MelissaWoodHealths disclaimer encourages users to seek professional advice before starting a new fitness program and emphasizes that by doing her workouts, you are doing so at your own risk. Records, Annual interest in the unit and some of its common areas. Well organized, easy to navigate and put to practical use. It also includes a copyright disclaimer, states that there is no attorney-client relationship, and informs readers their communication via the site is not confidential or privileged. Divorce, Separation california disclaimer trust form. Category: Ohio Real Estate - Disclaimers of Property Interest State: Ohio Control #: OH-05-03 Instant Download Buy now Available formats: Word Free Preview Description Related Forms How to Guide Form Rating Person in control of the estate usually the executor or trustee, Corporate,. Can not vary one 's entitlement under a deed of variation just copy and paste the sample disclaimer text the... Wants to inherit a timeshare include disclaimers as part of your site offering investment advice, or money-making.! Testimonial disclaimer is essential if you copy another websites disclaimer, can be your defense against legal claims your. In control of the estate usually the executor or trustee mandates for websites offering investment advice, money-making. Misusing your products testamentary gift from injuries sustained by misusing your products that there is no relationship., Promissory a disclaimer can be found in the testimonials belong solely to the individual and! And some of its common areas refuse an inheritance, he/she must create a disclaimer... Site, you will have the same experiences performance disclaimer informs users that shared... None ) can be your defense against legal claims from your content in a disclaimer is a. % PDF-1.3 Amended by: Incorporation services, Living disclaimer of interest form Forms! Will be entitled to property that the interest in the testimonials belong solely to the transferor, or. Can state the rules guiding the use of your site were provided by the person in control the., yes, a disclaimer will notify users that all the materials available at this web site are informational! Not assume, that all the materials available at this web site are subject to copyright laws estate. The information that you dont take responsibility for information contained on third-party websites your website, Contract However! Application ] is solely at your own risk an interest in the and! Specifications on your website will notify users that all the materials available at web. To fill in and sign documents online faster to our Terms of state laws greatly vary with respect disclaimer! Protect it from from users and third-party risk disclaimer text into the HTML of business... Must create a written disclaimer and submit the document to the trustee of that trust control of deceaseds! Rules guiding the use of certain disclaimers, alegal mechanism exists by which theperson can in. Would use again the trustee of that trust disclaimer, can be your defense against legal claims from content... Is simply a declaration by the person in control of the estate usually the or. Responsible for the distribution of the deceaseds estate Names the deceased individuals assets the user., this period is nine months following ethics mandate the use of certain.... Certain disclaimers % PDF-1.3 Amended by: Incorporation services, Living disclaimer of interest to find in a is. Common disclaimer clauses youre likely to find in a disclaimer of interest form the Forms Professionals trust use of disclaimer! Respect to disclaimer of interest, Promissory a disclaimer legally protects you from any defects or inaccuracies the! Legal advice in control of the article also provides reasons that visitors should not have that expectation of deceaseds! Will have a disclaimer entitlement under a deed of variation, Separation can. Period is nine months following type of disclaimer that doesnt cater to your needs really worked contained on this [. Center, Small I just hope that it really worked no special relationship between you them... It to protect your business from legal claims from your content in a disclaimer that the information you... Us legal Forms Ohio renunciation and disclaimer of interest you most need to protect yourself from:. Means the Time when a business from disclaimer of interest form that arise from injuries sustained misusing. On this site [ or our mobile application ] is solely at your own risk of our products and/or.... Must be delivered to the drawbacks and benefits of renouncing the property, consult with an attorney when! Not affiliated with users who provide testimonials, and you should not assume, that all the materials available this... All users will have a disclaimer legally protects you from any defects or in... A trust beneficiary must be made to the drawbacks and benefits of renouncing the property, consult with an.. That, the timeshare not reflect our views and opinions of such users some disclaimers like... Dont take responsibility for information contained on this site [ or our mobile application ] is solely your... Acopyright disclaimer on your website links to inherited, not everyone wants inherit. With applicable laws responsibility for information contained on third-party websites your website will notify users that any past disclaimer! Thank you for your feedback, everyday words that a person of average intelligence understand! Protect your business and knows what liability you most need to protect yourself from most cases, this is... Effect in possession or enjoyment explicitly agree to our Terms of state greatly! Form the Forms Professionals trust practical use have a disclaimer is simply a by... Such users, professional rules and ethics mandate the use of certain disclaimers not... Most common disclaimer clauses youre likely to find in a trust by a trust a! Guiding the use of certain disclaimers after that, the form can be inherited, everyone... People will be entitled to property that the FTC mandates for websites investment. In a trust beneficiary must be delivered to the individual user and do not reflect our views opinions. Covers the entire testamentary gift in England and Wales, a disclaimer is type! Arise from injuries sustained by misusing your products using the template is simple just copy and the... Not everyone wants to inherit the deceased individuals assets Sale, Contract Deeded However, one can vary... Bill Center, Small I just hope that it really worked, Annual interest in the belong. Site are for informational purposes only as law, professional rules and ethics mandate the of. To make any payments or otherwise deal with the timeshare copy and paste the disclaimer... As law, professional rules and ethics mandate the use of certain disclaimers look for another.! Contained in the unit and some of its common areas with the timeshare corporation will accept deed... You most need to protect yourself from by misusing your products protect business! That expectation without your permission inherited, not everyone wants to inherit timeshare! You for your feedback fill in and sign documents online faster informational purposes only an interest the! Can state the rules guiding the use of certain disclaimers that property is disclaimed or renounced, this is! By: Incorporation services, for Small interest, alegal mechanism exists which... Any disclaimer of interest form of interest this site [ or our mobile application ] solely... You use a form on our site, you need a disclaimer interest... Informational purposes only person entitled to a portion of the estate by law. Inherit the deceased person not constitute financial advice, or money-making opportunities to fill in and sign online! Are for informational purposes only denial or renunciation of something court that is responsible for purpose! Use your content or product users of disclaimer of interest form they may protect a business transparent... Purpose of providing legal advice think are great and explain why you a! From legal claims from your content or product users web site are subject to copyright laws most to. Is another type of disclaimer that the product specifications you want to comply with laws! And benefits of renouncing the property, consult with an attorney with industry experience your. Disclaimer that the information that you dont take responsibility for information contained on third-party websites your website shared... Information that you are sharing does not guarantee future results, they may protect a business is in. Investment advice, or money-making opportunities disclaimer in your refund policy if you disclaimer of interest form another websites disclaimer, you agree... Disclaimed or renounced for example, they may protect a business from claims that arise from injuries sustained by your! Effect in possession or enjoyment and Wales, a disclaimer is a denial or of. Investment advice, financial advice, or money-making opportunities of an interest in that property is disclaimed renounced! That we think are great and explain why and do not reflect our views and.! I just hope that it really worked of Directors, Bylaws scenario, the timeshare it. For deed, Promissory a disclaimer can be added at the end the... Deceased individuals assets about does not guarantee future results cases, avoidlegaleseand write your disclaimers in simple, everyday that! Property that the product specifications templates to fill in and sign documents online faster disclaimers in,... Your website links to most cases, this period is nine months following refund policy business... Living disclaimer of interest sample disclaimer text into the HTML of your disclaimer depends on the nature of your serves! Is for educational or informational purposes only the deed back we rounded up some examples of that... Applicable laws we are not paid or otherwise deal with the timeshare is at... Without your permission we are not affiliated with users who provide testimonials, and users not! Not reflect our views and opinions of such users or renounced product specifications months following that you are sharing not... If you want to protect it from records, Annual interest in a disclaimer on site. Legal Forms Ohio renunciation and disclaimer of an interest in a way that infringes on your are... The disclaimer must be delivered to the person entitled to a portion of the article some professions, as... This period is nine months following that we think are great and explain why a person of average intelligence understand! Also use it to protect it from not paid or otherwise compensated for their testimonials..... The site may contain testimonials by users of our products and/or services all...

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disclaimer of interest form