General Disclaimer

Hodgie (Mathew Hodgins) is not a licensed travel agent, financial advisor, or insurance broker. He does not book, arrange, or manage travel services such as flights, accommodations, or tours. Nor does he provide professional financial, insurance, or legal advice.

Hodgie operates as a Travel Coach & Workshop Host, sharing personal experiences and general travel knowledge to help travelers make informed decisions. His workshops and coaching sessions are for educational purposes only and should not be considered a substitute for professional travel, financial, or insurance consultation.

Travel Coaching & Workshop Disclaimer

The insights, tips, and recommendations provided in workshops and coaching sessions are based on personal travel experience and general research:

• Attendees are responsible for their own travel decisions.

• Hodgie does not book trips, apply for visas, or guarantee entry into any country.

• Travel planning, visa applications, and bookings should be handled by the individual or a certified professional.

Financial, Banking & Insurance Disclaimer

Some workshops may discuss money management, banking, and travel insurance options. These discussions are informational only and not personalized financial or
insurance advice.

• All financial decisions are made at the attendee’s discretion.

• Attendees should consult a licensed financial advisor, insurance agent, or bank representative before making financial commitments.

• Affiliate Disclosure: Some recommended services may include referral links, for which Hodgie may earn a commission. However, all recommendations are based on personal experience and independent research.

Liability Disclaimer

By participating in Hodgie’s workshops, coaching sessions, or using his advice:

• You acknowledge that you are responsible for your own travel and financial decisions.

• Hodgie (Mathew Hodgins) assumes no liability for travel disruptions, financial losses, or misinterpretation of information.

• Information provided is subject to change as travel rules, banking policies, and regulations evolve.

Agreement

By accessing Hodgie’s coaching, workshops, or website, you agree to use the information at your own discretion and risk.