I wonder how many companies would be where they are today, had they not opened a can of worms in the first place ?
I only use the FREE version for friends and family, so I can't be of much help to you as I don't have any disclaimer. However, I have been on the receiving end of disclaimers, and don't think twice about them, as long as I trust the person performing the service, function, or whatever.
I would not call in 'an expert' if I knew what I was doing. I feel that the expert knows more than I do, and I am willing to take the risks of the disclaimer. Now, if they do something really stupid, then they should take responsibility despite the disclaimer. (I had a computer repair shop ruin a harddrive because the technician forced the data plug into it upside down despite the fact that there was an alignment key - they paid for that).
Doctors 'open a can of worms' with just about every patient they see. Mechanics, repair people, many service people - even stores take risks by inviting the customers into the store.
Although I can't help you, I am on your side !
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KGHalbe
(DISCLAIMER: I am NOT an employee of LMI, nor do I have any financial concern in LMI. I am strictly a HAPPY USER of LMI products. I am using PC version and XP SP2. Other systems or versions may act different than described above.)