Disclaimer

Educational Content Only

Everything you watch, read, or download from BYS Media (including videos, episode summaries, on-screen graphics, and any written material on this Site) is provided for general informational and educational purposes only. It is not, and should never be treated as, legal, financial, tax, insurance, or other professional advice.

We cover real consumer situations involving contracts, leases, loans, mortgages, insurance claims, tax correspondence, and similar documents to help viewers recognize common traps and understand what questions to ask. We do not review your specific documents, and we do not provide advice tailored to your individual circumstances. Terms, laws, and company policies referenced in our content can change after publication and may not reflect the most current version at the time you're watching.

No Professional Relationship

Watching our content, subscribing to our channel, or contacting us through this Site does not create a lawyer-client, financial advisor-client, insurance broker-client, or any other professional relationship between you and BYS Media or Randeep Pahwa.

Randeep Pahwa is the founder and host of BYS Media. He is a consumer advocate and content creator, not a licensed attorney, accountant, financial planner, mortgage broker, or insurance agent, and does not hold professional credentials in any of the industries our content covers. Where our content references how a lawyer, accountant, or other licensed professional might typically advise on a situation, this is offered as general context, not a substitute for consulting one directly.

Always Consult a Licensed Professional

Before you sign, pay, accept, reply to, or act on a contract, claim, loan, lease, insurance policy, tax notice, or other financially consequential document, you should speak with a qualified professional licensed in your province, territory, or state, such as a lawyer, accountant, financial advisor, or insurance broker, who can review your specific situation and give you advice you can rely on. Nothing on this Site is a substitute for that conversation.

Accuracy of Information

We research our episodes carefully and aim to present information accurately at the time each piece of content is published. However:

Consumer protection laws, tax rules, insurance regulations, and lending practices vary by province, state, and even by individual company, and are subject to change;

We may reference real companies, contract clauses, or public complaints as illustrative examples, but this does not mean every company in a given industry follows the same practice, or that a practice we describe still applies today;

We do not guarantee that any strategy, tip, or observation shared in our content will produce a particular outcome for you.

If you notice information on our Site or in our content that appears to be outdated or incorrect, we welcome you to let us know at hello@bysmedia.com so we can look into it.

No Endorsement or Affiliation

References to specific companies, lenders, insurers, contracts, or products in our content are made for illustrative and educational purposes. Mentioning a company or product does not mean BYS Media endorses, is affiliated with, sponsored by, or paid by that company, unless we explicitly disclose a partnership or sponsorship within the content itself. Likewise, criticism of a practice associated with a company or industry is not a statement that every business in that space engages in the same practice.

Third-Party Links

Our Site and videos may direct you to external websites, government resources, or third-party tools referenced during an episode. We don't control the content, accuracy, or availability of these external resources, and linking to them isn't an endorsement of everything found there.

Your Decisions Are Your Own

Any decision you make, financial, legal, or otherwise, after watching or reading BYS Media content is made at your own discretion and your own risk. BYS Media, Randeep Pahwa, and anyone affiliated with this brand are not responsible for any loss, damage, or consequence that results from actions taken or decisions made based on our content.

Questions

If anything in this Disclaimer is unclear, or you'd like to discuss it further, reach out to us at:

Email: hello@bysmedia.com