Disclaimer

ISI Collective

References in this Disclaimer to “ISI Collective,” “ISI Collective, Inc.,” “we,” “us,” or “our” refer to ISI Collective, Inc.

This Disclaimer applies to information, education, mentorship, communications, materials, resources, website, events, calls, community discussions, and services provided through ISI Collective, including content provided through https://theisicollective.com.

By accessing or using ISI Collective’s website, services, mentorship, community, resources, or materials, you acknowledge and agree to the following.

1. Educational and Mentorship Purposes Only

ISI Collective provides education, mentorship, guidance, systems, resources, community access, and introductions to professional resources related to real estate investing, construction, development, project evaluation, and related business topics.

ISI Collective is not intended to replace independently licensed professional advice.

Nothing provided through ISI Collective should be interpreted as individualized:

• Legal advice
• Tax advice
• Accounting advice
• Financial advice
• Investment advice
• Securities advice
• Lending advice
• Credit advice
• Architectural advice
• Engineering advice
• Insurance advice
• Real estate brokerage advice
• Appraisal advice
• Environmental advice
• Zoning advice
• Permitting advice
• Other regulated professional advice

Members and website visitors should consult appropriately licensed professionals before making decisions that require professional expertise.

2. Real Estate Investing and Development Involve Risk

Real estate investing, construction, development, financing, land acquisition, and property ownership involve significant financial and business risk.

Potential risks may include, without limitation:

• Loss of invested capital
• Construction cost overruns
• Material price increases
• Labor shortages
• Contractor disputes
• Contractor defaults
• Construction delays
• Permitting delays
• Zoning restrictions
• Environmental issues
• Financing changes
• Interest-rate changes
• Loan denial
• Funding delays
• Market declines
• Changes in property values
• Unexpected site conditions
• Insurance costs
• Tax increases
• Holding costs
• Utility costs
• Legal disputes
• Title issues
• Resale risk
• Changes in buyer demand
• Economic downturns
• Unforeseen project expenses
• Loss of deposits
• Construction defects
• Material shortages
• Inspection issues
• Weather delays
• Litigation
• Tax consequences
• Delayed sales
• Failed transactions
• Lower-than-expected profits
• Complete financial loss

No real estate investment or development project is risk-free.

Members knowingly and voluntarily assume these risks.

Members should independently evaluate the risks associated with any project before committing capital.

3. No Guarantee of Profit or Financial Results

ISI Collective does not guarantee any particular financial result.

We do not guarantee:

• Recovery of the program fee
• Profit
• Income
• Six-figure profit
• Any specific dollar amount of profit
• Return on investment
• Positive cash flow
• Equity creation
• Appreciation
• Wealth creation
• Financial independence
• Financial freedom
• Project success
• Resale proceeds
• Investment performance
• Avoiding financial loss

Any references to profits, returns, project results, or financial outcomes are historical examples or illustrations and should not be interpreted as promises, projections, or guarantees of future results.

4. Chris Paladino’s Past Results

ISI Collective may reference Chris Paladino’s past construction, development, or investment experience.

These examples may include statements regarding:

• Historical project profits
• Historical returns
• Completed development projects
• Construction outcomes
• Past investment performance
• Project case studies
• Historical sale prices
• Historical construction costs

These examples relate to Chris Paladino’s own past experience.

They are not representations that members will achieve the same or similar results.

Past performance does not guarantee future results.

Results depend on many factors, including experience, capital, credit, location, market conditions, project selection, financing, construction costs, management decisions, timing, economic conditions, and individual execution.

5. Six-Figure Profit Statements

ISI Collective may reference that Chris Paladino has historically generated six-figure profits on certain or all completed ground-up investment homes represented in ISI marketing.

Any such statement refers solely to Chris’s historical results on the applicable projects.

It does not mean:

• Members will earn six figures
• Every project will be profitable
• Every project will produce similar margins
• A particular development strategy guarantees profit
• A member can expect to replicate Chris’s financial performance
• Future market conditions will match past conditions

Any person considering a project must evaluate that project independently.

6. No Guarantee of Financing

ISI Collective may provide education regarding financing or introduce members to lenders, funding sources, private lenders, hard-money lenders, business-funding providers, or other financial resources.

These introductions do not guarantee:

• Loan approval
• Credit approval
• Construction financing
• Business funding
• Private funding
• Specific down-payment requirements
• Specific loan-to-cost ratios
• Specific loan-to-value ratios
• Interest rates
• Points
• Fees
• Reserves
• Loan amounts
• Repayment terms
• Closing timelines
• Refinancing
• Future lending availability

All lending decisions are made by third-party lenders or funding providers and are subject to their own underwriting standards.

Approval may depend on factors including:

• Credit
• Income
• Liquidity
• Experience
• Assets
• Debt
• Project feasibility
• Collateral
• Market conditions
• Loan structure
• Appraisal
• Underwriting requirements

ISI Collective does not control third-party lending decisions.

7. No Guarantee of Credit Improvement

ISI Collective may provide access to educational resources or third-party services related to credit improvement or financial readiness.

We do not guarantee:

• Credit-score increases
• Removal of negative credit items
• Specific credit outcomes
• Approval for future financing
• Approval within any particular timeframe

Credit outcomes vary by individual.

8. Deal Review and Underwriting Are Educational

ISI Collective may assist members in evaluating or reviewing potential deals.

This may include analysis involving:

• Land price
• Estimated construction costs
• Financing costs
• Holding costs
• Project timeline
• Estimated sale price
• Potential margin
• Project feasibility
• Risk factors
• Market assumptions

This review is educational and mentorship-based.

Any underwriting model, calculator, spreadsheet, estimate, projection, or analysis is based on assumptions that may prove inaccurate.

Actual results may differ materially.

No analysis provided by ISI Collective is a guarantee that a property is suitable, profitable, buildable, financeable, marketable, or appropriate for the member.

Members are responsible for performing their own due diligence and obtaining independent professional review before:

• Purchasing land
• Signing contracts
• Borrowing money
• Beginning construction
• Making investments
• Selling or refinancing property

9. Deal Calculator Disclaimer

This applies to the ISI Deal Calculators on this website, including the Flip and New Construction calculators, any PDF deal packet they generate, and any listing information imported into them.

Any deal calculator, worksheet, model, spreadsheet, projection tool, or similar resource provided by ISI Collective is intended solely as an educational and organizational tool.

The outputs are only as reliable as the assumptions and information entered.

ISI Collective does not guarantee the accuracy of:

• Construction estimates
• Financing estimates
• Holding-cost assumptions
• Project timelines
• Projected sale prices
• Market values
• Projected margins
• Returns
• Profit calculations

Members should independently verify all material assumptions before making financial decisions.

10. Construction Cost Estimates

Any construction cost estimates discussed through ISI Collective are estimates only.

Actual construction costs may change due to factors including:

• Material prices
• Labor costs
• Contractor pricing
• Site conditions
• Plan changes
• Engineering requirements
• Permit requirements
• Code requirements
• Market conditions
• Supply-chain conditions
• Change orders
• Design selections
• Weather
• Project delays

Members should obtain current project-specific pricing before making commitments.

11. Property Value and Resale Estimates

Any estimate of:

• Market value
• After-completion value
• Resale value
• Comparable sales
• Future appreciation
• Potential sale price

is inherently uncertain.

Real estate markets can change rapidly.

ISI Collective does not guarantee that a completed property will sell at any projected or estimated price.

Members should consider obtaining independent advice from qualified real estate professionals, appraisers, brokers, or other appropriate professionals.

12. No Guarantee of Project Completion

ISI Collective does not guarantee that any member will:

• Locate suitable land
• Acquire land
• Obtain financing
• Secure a contractor or any particular subcontractor
• Begin construction
• Complete construction
• Complete construction on schedule
• Complete construction within budget
• Obtain required permits
• Receive approvals
• Sell a property
• Refinance a property
• Generate profit

Project outcomes depend on numerous factors outside ISI Collective’s control.

13. Contractors, Vendors, and Professional Introductions

ISI Collective may introduce members to:

• Contractors
• Subcontractors
• Realtors
• Brokers
• Lenders
• Architects
• Engineers
• Designers
• Vendors
• Material suppliers
• Consultants
• Service providers
• Other professionals

Unless specifically stated otherwise in writing, these parties may be independent third parties.

An introduction does not constitute a guarantee or warranty of:

• Performance
• Quality
• Pricing
• Availability
• Licensing
• Insurance
• Scheduling
• Communication
• Professional conduct
• Completion
• Financial stability
• Suitability for a specific project

Any introduction or recommendation is provided solely as a convenience, based on ISI Collective’s experience or prior relationship. ISI Collective does not guarantee that any third party will be available or agree to work with a member, and does not supervise or control independent contractors, suppliers, lenders, or other third parties.

Members are responsible for performing their own due diligence before hiring or entering into agreements with third parties.

14. Vetted Network Does Not Mean Guaranteed Performance

ISI Collective may refer to certain professionals as “vetted,” “trusted,” “preferred,” or similar terms based on prior experience or relationships.

Such descriptions reflect prior experience and do not guarantee future performance.

Past performance by a contractor or professional does not ensure:

• Future quality
• Future availability
• Future pricing
• Future responsiveness
• Completion
• Suitability for a particular project

Members should independently verify licensing, insurance, references, qualifications, pricing, and contract terms.

15. Showroom, Material, and Builder Pricing

ISI Collective may provide access to showroom resources, supplier relationships, or certain material-pricing opportunities.

Any reference to:

• Builder pricing
• Wholesale pricing
• Reduced pricing
• Discounted materials
• Favorable pricing
• Purchasing power
• Volume pricing

does not guarantee a particular discount or savings amount.

Pricing may vary based on:

• Product
• Manufacturer
• Supplier
• Quantity
• Availability
• Project
• Market conditions
• Shipping
• Labor
• Other factors

No specific savings amount or percentage is guaranteed unless expressly stated in writing for a specific transaction.

Pricing, material availability, and supplier terms may change at any time. ISI Collective is not responsible for defective materials, incorrect orders, installation problems, delays, warranty issues, supplier disputes, shortages, substitutions, or pricing changes. All purchases are made at the member’s sole discretion and risk.

16. No Attorney-Client, Fiduciary, or Professional Relationship

Participation in ISI Collective does not create:

• An attorney-client relationship
• An accountant-client relationship
• A financial-adviser relationship
• An investment-adviser relationship
• A lender-borrower relationship
• A broker-client relationship
• A securities-adviser relationship
• A mortgage-broker or loan-originator relationship
• An appraiser or inspector relationship
• An architect-client relationship
• An engineer-client relationship
• A title-agent or escrow-agent relationship
• A property-manager relationship
• A general-contractor or construction-manager relationship for a member’s project
• A fiduciary relationship

unless such a relationship is separately established in writing with an appropriately licensed professional.

17. No Partnership or Joint Venture

Participation in ISI Collective does not, by itself, create:

• A partnership
• Joint venture
• Agency relationship
• Employment relationship
• Franchise relationship
• Co-investment arrangement
• Profit-sharing relationship
• Ownership interest

between a member and ISI Collective, Inc., Chris Paladino, or any affiliated party.

Any separate business or investment relationship must be documented in a separate written agreement.

18. Member Responsibility

Members are solely responsible for their own:

• Investment decisions
• Purchase decisions
• Financing decisions
• Construction decisions
• Contractor selection
• Vendor selection
• Professional selection
• Legal decisions
• Tax decisions
• Insurance decisions
• Business decisions
• Project management
• Contract review
• Due diligence
• Compliance with law

ISI Collective provides mentorship and resources, but the final decision to proceed with any transaction belongs to the member.

Any opinion, suggestion, review, analysis, calculation, referral, or guidance from ISI Collective is advisory and educational only. Members assume one hundred percent (100%) responsibility for their investment decisions, financial commitments, contracts, project decisions, transactions, and resulting outcomes.

19. Due Diligence and Independent Professional Advice

Members are solely responsible for conducting appropriate due diligence before entering any transaction, including, without limitation:

• Title, liens, and ownership
• Zoning, land use, permitting, and buildability
• Property condition, utilities, and environmental conditions
• Flood zones, insurance, and taxes
• Financing, closing costs, and exit strategy
• Construction costs, comparable sales, and market value
• Contractor licensing and insurance
• Supplier and contract terms

Any review conducted by ISI Collective is supplemental educational guidance and does not replace a member’s independent due diligence. Members are encouraged and expected to consult appropriately licensed professionals on legal, tax, accounting, financing, lending, securities, construction, engineering, architecture, zoning, permitting, insurance, title, inspection, environmental, and investment questions, and should not rely exclusively on ISI Collective where licensing, professional judgment, or legal compliance calls for another professional.

20. Market Conditions May Change

Real estate, lending, construction, labor, insurance, and materials markets can change significantly.

Information that is accurate or relevant at one point in time may become outdated.

ISI Collective does not guarantee that any strategy, relationship, pricing structure, lender program, vendor arrangement, or market condition will remain available.

21. Website and Content Accuracy

We make reasonable efforts to provide accurate and useful information.

However, we do not warrant that all information on https://theisicollective.com, in mentorship materials, in community discussions, or in other communications is:

• Complete
• Error-free
• Current
• Suitable for every person
• Applicable to every project

Information may be updated, corrected, modified, or removed without notice.

22. Testimonials and Member Experiences

Testimonials, reviews, case studies, or member experiences may reflect individual experiences.

They are not guarantees of future results.

Individual results vary.

A testimonial should not be interpreted as a representation that another member will achieve the same outcome.

23. Community Discussions

ISI Collective may provide access to private community platforms such as Slack.

Statements made by individual members should not automatically be interpreted as statements made by ISI Collective, Inc. or Chris Paladino.

Members may share opinions, experiences, strategies, or resources that have not been independently verified.

Members should use independent judgment before relying on information shared by other participants.

24. No Reliance on Website Content Alone

Visitors and members should not make significant investment, construction, legal, financial, or business decisions solely based on website content, social-media content, marketing materials, mentorship conversations, or community discussions.

Appropriate independent due diligence should be completed before entering into significant transactions.

25. Forward-Looking Statements

Certain statements may describe:

• Expected project performance
• Potential profits
• Expected market conditions
• Future opportunities
• Expected timelines
• Potential financing
• Development strategies

These statements are forward-looking and inherently uncertain.

Actual outcomes may differ materially.

26. Limitation of Expectations

Participation in ISI Collective is intended to provide access to mentorship, education, relationships, resources, and systems.

It is not a guarantee that a member will:

• Become a successful developer
• Complete a project
• Make money
• Receive financing
• Build wealth
• Replace employment income
• Achieve financial independence
• Achieve a particular lifestyle

Success depends substantially on the member’s own financial position, effort, decisions, execution, discipline, project selection, market conditions, and other factors.

27. Third-Party Websites and Resources

ISI Collective may link to or reference external websites, software, lenders, vendors, professionals, or other third-party resources.

We do not control these third parties and are not responsible for:

• Their content
• Their security
• Their privacy practices
• Their services
• Their pricing
• Their performance
• Their terms
• Their business practices

Use of third-party services is at the member’s discretion.

28. Member Agreement

Enrolled members are also bound by the ISI Collective Mentorship & Consulting Services Agreement they sign at enrollment, which contains additional terms on program term, payment, refunds, third-party release, limitation of liability, indemnification, and dispute resolution. Read it at theisicollective.com/member-agreement. If this Disclaimer and the signed agreement conflict as to the program, the agreement controls.

29. Changes to This Disclaimer

ISI Collective, Inc. reserves the right to update, modify, or revise this Disclaimer at any time.

Changes may be posted on https://theisicollective.com.

Continued use of our website, services, mentorship, or materials after an update constitutes acknowledgment of the updated Disclaimer to the extent permitted by applicable law.

Contact Information

Questions regarding this Disclaimer may be directed to:

ISI Collective, Inc.
836 Creel Street
Melbourne, FL 32935
Phone: (321) 482-3005
Email: cpaladino19@gmail.com