JOY OF COLIVING
Earnings Disclaimer
Effective Date: May 7, 2026 | Last Updated: May 7, 2026
1. GENERAL DISCLAIMER
Joy of Coliving and its owner, Joy Neu, provide educational coaching programs, workshops, webinars, digital resources, and related content (collectively, the "Services") for informational and educational purposes only. Nothing on this website or in any of our programs, communications, or materials constitutes a guarantee, promise, or representation of any specific financial outcome, income level, or investment result.
All information provided through Joy of Coliving is intended to educate and inform. Results will vary based on individual effort, experience, market conditions, available capital, and numerous other factors beyond our control.
2. NO GUARANTEE OF EARNINGS OR INVESTMENT RESULTS
Joy of Coliving makes no guarantee that you will earn any specific amount of money, generate any particular level of cash flow, or achieve any specific return on investment as a result of participating in our coaching programs, courses, or other Services.
Real estate investing involves substantial risk, including the potential loss of capital. Past performance — whether of Joy Neu personally or of any student or client featured on this website — is not indicative of future results. The real estate market is subject to fluctuations, regulatory changes, local market conditions, and economic factors that are outside our control and that may adversely affect your results.
3. FOUNDER'S PERSONAL STORY AND RESULTS
Joy Neu may share her personal real estate investment journey, including specific financial figures, property performance metrics, and portfolio milestones, during workshops, webinars, marketing materials, and on this website. These disclosures are made solely to illustrate her personal experience and to provide real-world context for the educational content she teaches.
Joy Neu's personal results reflect her individual circumstances, including her background as a California-licensed Certified Public Accountant (CPA), her years of experience in real estate analysis and investment, and the specific properties, markets, and financing structures she has personally utilized. Her results are not typical and should not be interpreted as representative of what any participant in her programs can expect to achieve.
4. TESTIMONIALS AND STUDENT RESULTS
This website and our marketing materials may feature testimonials, success stories, and results shared by students and clients of Joy of Coliving. These testimonials represent the individual experiences of specific participants and are not a guarantee that you will achieve the same or similar results.
Individual results are affected by many factors, including but not limited to:
• Prior real estate knowledge and experience
• Financial resources and access to capital or financing
• Geographic market conditions
• Time and effort invested in the program and in deal-finding
• Personal risk tolerance and decision-making
• Local zoning, regulatory, and landlord-tenant laws
• Economic conditions at the time of investment
Testimonials featured on this website are provided voluntarily by participants and reflect their honest experiences. They have not been compensated for their testimonials unless expressly disclosed.
5. NOT FINANCIAL, LEGAL, OR TAX ADVICE
Although Joy Neu holds an active California Certified Public Accountant (CPA) license, Joy of Coliving operates as a real estate coaching and education business. Nothing communicated through this website, our programs, or any coaching sessions constitutes professional financial advice, tax advice, legal advice, or accounting services.
Joy Neu's CPA license does not create a CPA-client relationship between Joy of Coliving and its students or website visitors. No content provided through our Services should be relied upon as a substitute for advice from a qualified financial advisor, licensed attorney, tax professional, or real estate professional with knowledge of your specific situation.
You are strongly encouraged to consult with your own qualified professionals before making any real estate investment decisions.
6. FTC COMPLIANCE
In accordance with the Federal Trade Commission's (FTC) guidelines on endorsements and testimonials, Joy of Coliving discloses that:
• Any income figures, cash flow numbers, or financial metrics shared in our marketing, workshops, or website reflect real but individually specific results and are not typical.
• Students or clients who share testimonials or results may or may not have completed the full coaching program, and their outcomes reflect their own unique circumstances.
• Joy of Coliving does not imply that typical participants will achieve the same or similar results as those featured in testimonials or case studies.
7. ASSUMPTION OF RISK
By accessing this website, enrolling in any program, or utilizing any Services offered by Joy of Coliving, you acknowledge and agree that:
• Real estate investment carries inherent financial risk, including the possible loss of your invested capital.
• You are solely responsible for your own investment decisions and their outcomes.
• Joy of Coliving, Joy Neu, and any affiliated parties shall not be held liable for any financial loss, damages, or adverse outcomes resulting from your participation in our programs or your independent investment decisions.
8. CONTACT US
If you have any questions about this Earnings Disclaimer, please contact us:
Joy of Coliving
Email: [email protected]
Website: www.joyofcoliving.com
© 2026 Joy of Coliving LLC - All Rights Reserved
