Disclaimer Generator
The disclaimer your site needs — and the short disclosures your posts need too.
Checks
Preview
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For general information only, not legal advice. Templates are generic starting points — have a qualified lawyer review anything you rely on.
About the Disclaimer Generator
A disclaimer tells readers what your content is — and is not. If you write or make videos about health, money, law or tax, it makes clear that you give general information, not professional advice for their situation. If you earn from affiliate links or sponsors, it is where you explain those connections — and some programmes require exact words: Amazon’s Associates agreement asks for “As an Amazon Associate I earn from qualifying purchases.”
Choose what you publish — a website, blog, app, YouTube channel, podcast or social account — and tick what applies: general information, health, fitness, legal, financial or tax content, affiliate links, sponsored posts and free products, “views are my own”, testimonials, external links, errors and liability. The generator writes a clear disclaimer in the first person (“I”) or for a business (“we”), with short disclosures to paste next to links and at the start of sponsored posts and videos — where Indian (ASCI) and US (FTC) guidance expects them. It also warns you when a disclaimer is not enough: personalised investment advice or paid stock tips need SEBI registration. Copy the HTML for your site or download Word, PDF or text; nothing leaves your browser.
How to use it
- Choose what kind of site or channel it is, enter its name, who runs it and a contact e-mail, and whether to write as “I” or “we”.
- Tick the professional advice subjects you cover. For finance, say whether you give paid personalised advice or calls and whether you are SEBI-registered.
- Tick affiliate links (Amazon Associates and others) and sponsorships, and the other sections you want.
- Read the Checks, copy the short disclosures into your posts and video descriptions, and publish the disclaimer: copy the HTML or download Word, PDF or text, and link it from your footer.
Examples
YouTube · financial and tax · Amazon Associates · sponsored videos and free products · not SEBI-registered
A disclaimer with “not investment advice … I am not registered with SEBI as an investment adviser or research analyst”, the Amazon sentence word for word, sponsorship and free-gift labels, and short lines such as “Ad: sponsored by [brand name].” The checks add ASCI’s rule that finance influencers state their qualifications upfront.
Financial · “I give personalised advice, or buy/sell calls … for a fee” · Not registered
Blocked with an explanation: that needs SEBI registration as an investment adviser or research analyst, and a disclaimer does not make it lawful.
Blog · health and medical · qualification “MBBS, MD (Medicine)”
A medical disclaimer that the content does not replace diagnosis or treatment, with the emergency number and the author’s qualification.
Common uses
- A blogger or YouTuber joining Amazon Associates or another affiliate programme.
- A doctor, dietitian, lawyer or chartered accountant publishing general information online.
- A finance creator making clear what is education and what would need SEBI registration.
- An employee with a personal blog who wants to separate personal views from the employer’s.
Where disclosures must appear
A disclaimer page alone is easy to miss. The FTC’s Endorsement Guides require disclosures of material connections — payment, free or discounted products, other benefits — to be clear and conspicuous: hard to miss, easy to understand and, online, unavoidable (16 CFR 255.0(f), 255.5). India’s ASCI guidelines say a disclosure must be upfront and prominent, not only in a bio, at the end, behind “more” or among hashtags, using a label such as Ad, Advertisement, Sponsored, Collaboration, Partnership, Employee, Free Gift or Affiliate. For pictures and videos without text, the label goes on the image — for at least 3 seconds in a video of 15 seconds or less, a third of a video under 2 minutes, and the whole promotional section of a longer one; in live streams at the start and the end, and in audio at the start, the end and around every break.
Finance and health content in India
Giving investment advice for a fee, or holding yourself out as an investment adviser, needs SEBI registration (Investment Advisers Regulations 2013, reg. 3); so do buy, sell or hold recommendations, price targets and model portfolios for a fee (Research Analysts Regulations 2014). General education through widely available media is not “investment advice” under the regulations — but SEBI-regulated firms such as brokers and mutual funds may not tie up with unregistered people who give securities advice or claim returns (Intermediaries Regulations, reg. 16A). ASCI also asks finance and health influencers to hold the right qualification and show it upfront — the SEBI registration number for stock or investment advice, a medical or nutrition qualification for health claims. You can check a registration on SEBI’s list of investment advisers.
What a disclaimer cannot do
It does not make false or misleading content lawful, protect against claims for your own negligence where the law does not allow that, or replace a licence or registration you need. Keep your content accurate, label paid content every time, and correct mistakes when you find them.
Sources
- Amazon Associates Program Operating Agreement (India) — s.10, “Identifying Yourself as an Associate”
- FTC Guides Concerning the Use of Endorsements and Testimonials in Advertising, 16 CFR Part 255
- ASCI Codes and Guidelines — Guidelines for Influencer Advertising in Digital Media, with the addendum for health and financial influencers
- SEBI (Investment Advisers) Regulations, 2013 — regs. 2(1)(l), 3, 4; SEBI (Research Analysts) Regulations, 2014; SEBI (Intermediaries) Regulations, 2008 — reg. 16A
Limitations
- A generic template, not legal advice. Have a lawyer review it if your content or business carries particular risks.
- It does not check your content. Health claims, investment returns and product reviews have their own rules (for example ASCI’s code and consumer protection law).
- Platform rules (YouTube, Instagram, app stores) and other affiliate programmes can require their own disclosures — read their terms.
- English only.
Privacy
Everything happens in your browser. Your details are not uploaded or stored by MySmartCoPilot. If you tick Keep a draft in this browser, the form is saved in this browser’s local storage until you untick it.
Frequently asked questions
What disclaimer does Amazon Associates require?
The Operating Agreement asks you to state clearly and prominently: “As an Amazon Associate I earn from qualifying purchases.” (section 10). The generator includes it word for word. Put it where readers see it — near the links or at the top of the post — not only on a separate page.
Is “not financial advice” enough for a finance YouTuber in India?
For general education, a clear disclaimer helps, and content through widely available media is not “investment advice” under SEBI’s Investment Advisers Regulations. But if you give personalised advice, buy or sell calls, targets or model portfolios for a fee, you need SEBI registration as an investment adviser or research analyst — no disclaimer replaces it. ASCI also expects finance influencers to show their SEBI registration with their name.
Where should I put my affiliate disclosure?
Next to the links and at the start of the post or video description, as well as on a disclaimer page. Both the FTC and ASCI say a disclosure that people have to click “more” to see, or that sits only in a bio or at the end, is likely to be missed.
Do I have to disclose free products?
Yes. A free or discounted product is a material connection under the FTC’s Guides, and ASCI requires a label such as “Free Gift” even for products you did not ask for. The generator adds a sentence and a short line for it.
Does a disclaimer protect me from all liability?
No. It sets expectations and limits liability only as far as the law allows. It cannot excuse misleading claims, your own negligence where the law does not permit excluding it, or activities that need a licence or registration.