Disclaimer - A statement which
may allow a person or corporation to avoid liability,
if before or at the time of giving advice, that person
or corporation makes it clear that he or she accepts
no responsibility for his or her statement. Disclaimers
are often found in disclosure documents (eg. prospectuses
for collective investment products), to the effect
that the manager of the product does not guarantee
the level of performance of the fund or the return
of capital to investors.