Keeping You In The Green™ provides financial education, tools, calculators, and general informational resources. This page explains important limitations regarding the information and services available through this website.
Effective Date: August 21, 2026. By accessing or using KeepingYouInTheGreen.com, you acknowledge that you have read and understood this Disclaimer. The information on this website is provided for general educational and informational purposes and is not a substitute for advice from a qualified professional who understands your individual circumstances.
The content published on KeepingYouInTheGreen.com, including articles, guides, calculators, examples, illustrations, worksheets, videos, emails, downloadable materials, and other resources, is provided solely for general educational and informational purposes.
Nothing on this website should be interpreted as individualized financial, accounting, tax, legal, investment, insurance, lending, retirement, estate-planning, or other professional advice.
Financial circumstances vary substantially from person to person. Information that may be appropriate for one individual, household, or business may not be appropriate for another.
Your use of KeepingYouInTheGreen.com does not create a CPA-client, accountant-client, financial-advisor-client, investment-advisor-client, attorney-client, fiduciary, consulting, or other professional-client relationship with Steuart Pereira, Pereira Enterprises LLC, Keeping You In The Green™, or any affiliated brand, contributor, or service provider.
A professional relationship is established only through a separate, written engagement or agreement expressly identifying the scope, responsibilities, and terms of that professional service.
References to investments, securities, asset classes, financial products, savings strategies, brokerage accounts, retirement accounts, interest rates, credit products, or other financial instruments are provided for educational purposes only.
Nothing on this website constitutes an offer to buy or sell, a solicitation, a recommendation to purchase or dispose of any security, or individualized investment advice.
The value of investments can rise or fall, and you may lose some or all of the money you invest. Past performance does not guarantee future results. Before making an investment decision, consider your financial circumstances, objectives, time horizon, liquidity needs, and risk tolerance and, when appropriate, consult a qualified financial professional.
The Pereira 3-Account Method™ is an educational financial framework designed to help individuals organize cash flow, savings, spending, and long-term financial priorities.
The method is not a guarantee of financial success and does not replace individualized financial planning. Suggested percentages, allocations, examples, or account structures are illustrative and may need to be adjusted based on income, expenses, debt obligations, taxes, benefits, family circumstances, financial goals, and other factors.
Calculators and financial tools available through KeepingYouInTheGreen.com are provided for educational and illustrative purposes only.
Results depend entirely on the assumptions, inputs, formulas, estimates, and data supplied to the tool. Calculator outputs are estimates and should not be treated as financial projections, guarantees, tax calculations, investment recommendations, credit decisions, or professional advice.
Actual outcomes may differ because of interest-rate changes, compounding methods, taxes, fees, inflation, market performance, lender practices, credit-scoring methodologies, payment timing, product terms, and other variables.
You should independently verify any calculation that may influence a significant financial decision.
Content discussing taxes, accounting concepts, business finance, regulations, contracts, estate planning, entity structures, or legal matters is general educational information only.
Tax laws, accounting standards, regulations, and legal requirements can change and may vary based on jurisdiction and individual facts and circumstances.
Consult an appropriately licensed tax, accounting, or legal professional before acting on information that may affect your personal or business obligations.
We strive to publish accurate, useful, and current information. However, financial products, laws, regulations, rates, fees, promotional offers, qualification requirements, market conditions, and provider policies can change without notice.
We do not warrant or guarantee that all information on the website is complete, error-free, current, or applicable to your circumstances.
Before making a financial decision, confirm material information directly with the relevant institution, provider, government agency, or qualified professional.
Keeping You In The Green™ may participate in affiliate, referral, advertising, or partner programs. Some links on this website may be affiliate or referral links.
If you click one of these links, open an account, purchase a product, subscribe to a service, or otherwise complete a qualifying action, Pereira Enterprises LLC may receive compensation at no additional cost to you.
Compensation does not guarantee favorable coverage and does not change our objective of providing useful educational information. You should independently evaluate whether any product or service is appropriate for you.
For additional information, please review our Affiliate Disclosure .
KeepingYouInTheGreen.com may link to third-party websites, financial institutions, financial-service providers, retailers, publishers, government resources, tools, applications, or other external services.
These external websites and services are operated independently. Pereira Enterprises LLC does not control and is not responsible for their content, availability, security, privacy practices, pricing, product terms, representations, or business practices.
A link to a third-party website does not necessarily constitute an endorsement of every product, service, opinion, statement, or policy offered by that third party.
Information regarding credit scores, credit cards, loans, debt, lending, refinancing, or credit-building strategies is educational in nature.
Credit decisions are made by lenders, credit issuers, scoring-model providers, and other third parties using criteria that may not be publicly disclosed and may change over time.
Nothing on this website guarantees approval for credit, a particular interest rate, a specific credit-score change, or any other lending outcome.
Testimonials, hypothetical scenarios, case examples, illustrations, sample calculations, and other examples appearing on this website are provided to explain concepts and are not guarantees or promises of future results.
Individual financial results depend on numerous factors, including income, expenses, debt, savings behavior, investment performance, taxes, discipline, economic conditions, and personal circumstances.
We make no representation or guarantee that using the information, systems, strategies, tools, calculators, products, services, or resources discussed on KeepingYouInTheGreen.com will produce any particular financial outcome.
Financial progress requires individual decision-making and may be affected by circumstances beyond your control.
You are solely responsible for evaluating information before acting on it and for determining whether any strategy, product, service, financial decision, or recommendation from a third party is appropriate for your situation.
You should conduct your own research and obtain professional advice when circumstances warrant it.
To the fullest extent permitted by applicable law, Pereira Enterprises LLC, Keeping You In The Green™, and their owners, employees, contractors, contributors, affiliates, and service providers shall not be liable for losses, damages, costs, or claims arising from or related to your use of, reliance upon, or inability to use information, tools, calculators, links, products, services, or other materials made available through this website.
This includes, without limitation, financial losses, investment losses, lost profits, lost opportunities, business interruption, data loss, or indirect, incidental, consequential, exemplary, or special damages, to the extent such limitations are permitted by law.
We may revise this Disclaimer periodically to reflect changes in our website, services, business practices, applicable requirements, or other circumstances.
The effective date displayed near the top of this page identifies the most recent version.
Questions regarding this Disclaimer or the content of KeepingYouInTheGreen.com may be directed to:
Pereira Enterprises LLC
Keeping You In The Green™
St. Petersburg, Florida
Email: Contact@PereiraEnterprises.com
Website: PereiraEnterprises.com
Educational purposes only. This content is provided for general education and should not be considered individualized financial, tax, legal, or investment advice. Consult a qualified professional about your specific situation.
Affiliate disclosure: Some links on this page are affiliate or referral links. We may earn a small commission if you sign up through them, at no additional cost to you. We only recommend products we’d use ourselves.