I'm not sure of any precedent, but the disclaimer isn't just a "don't hold me to it" liability insurance. There are certain certifications required related to v

I'm not sure of any precedent, but the disclaimer isn't just a "don't hold me to it" liability insurance. There are certain certifications required related to various types of products and recommendations (primarily Series 6, 7, 65, and 66). If they don't have that certification and act in that role, it's not just oops-you-can-sue-me liability, it's an actual possibility of jail time.