Can I Write A Check At Walmart If My Account Is Negative

No check cashing lines. Arrest Records and Employment. You are responsible for deposits you make to your account, and you will most likely owe your bank for any funds you withdraw. Please call us at 1-877-247-2559 if you don't receive your debit card or checks within 10 business days. I was told that I wrote a bad check for 95. Enter a text message to Walmart. The only thing they are allowed to check when writing a check at Wal-Mart and really anywhere that runs your check through electronics is the status of your account, positive or negative. Glassdoor follows simple principles and guidelines to ensure the most authentic, transparent, and valuable information is available to workers and job candidates while balancing fairness to employers. I couldn't always make it to the lectures so the tutors here helped me understand concepts I had missed. Find out why Checks Unlimited is #1 for Checks Direct! Enjoy free standard shipping and save up to 50% off with code DEAL when you order checks online. Writing a check is a PITA, really. There are no. It's really not that important. If the account remains open, the negative information will be removed after seven years, while the rest of the account information stays on your report. They have removed over 56% of negative items off of my credit report. Other banks charge for checking but we reward you. Business checks & deposit slips are 100% compatible to current accounting systems. Debit card purchases and debit card payments must post during the fee period to be counted toward the total of 10 or more. 49 fee for withdrawals up to $500, $6. ACH transactions are set up using your checking account number and routing number – NOT a debit card number. Your bank then takes the money out of your account and sends it to your landlord’s bank, using ACH. You are responsible for deposits you make to your account, and you will most likely owe your bank for any funds you withdraw. Stay in the flow. News and information from UPS, track your shipment, create a new shipment or schedule a pickup, caluclate time and costs or find a. We have a strict Internet policy at work but my supervisor gave me permission because she knows learning Spanish enables me to do a better job explaining procedures to the patients. No take-backs. Easily keep a secret diary or a private journal of notes and ideas securely on the web. If the bank honors the debit or check so your account now shows a negative balance, this an overdraft. Your bank will charge you $35. Several databases, including ChexSystems, track your check writing behavior. Buy from millions of online stores without sharing your financial information. The standard fee is 1% for payroll and government checks with a pre-printed signature and 5% for all other accepted checks, with a $5 minimum fee per check. " https://www. A bad check is a check that bounces due to insufficient funds in the account the check is written on, or the check was written on a closed account. To cash a money order, you can either bring it to your bank, or to the money order issuing company (like Western Union or the USPS) for payment. So you could have $1000 in your account, go write a check at the grocery store for $500, then head to your bank and withdraw $999, causing your check to bounce. Discover and save on 1000s of great deals at nearby restaurants, spas, things to do, shopping, travel and more. Just like your medical plan covers visits to your doctor, your Express Scripts prescription plan covers the medicine your doctor prescribes. You won't typically be able to write checks at TeleCheck-participating merchants until you get out of the TeleCheck system. It also can result in the bank sending the amount of the bounced check to a collection agency. The prices listed on Yahoo Shopping are provided by third parties, are subject to change, and may not be error-free. Your bank then takes the money out of your account and sends it to your landlord’s bank, using ACH. Texas Comptroller of Public Accounts The Texas Comptroller’s office is the state’s chief tax collector, accountant, revenue estimator and treasurer. Customize your meeting background. The insulting part is the fact I have had my credit card breeched 2 times because Walmart can’t keep my info safe and required us to transfer savings catcher to Walmart pay which is not safe. Like a credit or debit card, they receive a red or green light system (accepted or declined) when you present a check. Because of this, I lost my job. If you write a $250 check when you have $200 in your account, your check will bounce. Some complaints about merchandise or service at Walmart can be handled online. I have never written a bad check in my life and knew I had more than enough funds ($4,500+) in my checking account, so I asked the clerk to run it again, but it was again declined. Send your survey to friends and colleagues for a test run. Eliminate the risk of obsolete check forms, by stocking only blank check forms. ca and one purchase at another location anywhere Mastercard® is accepted. Can you cash a check with a negative bank balance? I got a check from my parents joint account on wells fargo for $1000. Photo identification, such as a driver's license, is required to pay with a personal check. How to Buy a Prepaid Credit Card With a Check. You can then choose to pay a fee and have your money made available within minutes. Other banks charge for checking but we reward you. We'll do the shopping and experts will pick the freshest items, or your money back. As this advice has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. And writing. Yes, you can use your Card to withdraw cash from ATMs. My Citibank app, for instance, annoyingly requires me to key in my 16-digit ATM card number every time I want to deposit a check into my account. 15 GB of storage, less spam, and mobile access. I'm guessing that wherever you work uses Telecheck or some other 3rd party check verification company. Save your Gift Card as one of your payment options. When you write an electronic check, the money is immediately deducted from your checking account, just like when you use your debit card. Remember, ANYONE can print a check, that doesn't mean that the account is real or the money is there! The "you won our lottery" scam is the most common means used by these scammers, but you must be suspicious of ANY check your receive from an unknown or unexpected source. Not having enough money in your bank account to cover a check you've written is a nerve-wracking experience. Don’t freak out. When you show up at your preferred location, we’ll even load your car for you in minutes. com provides comprehensive school and neighborhood information on homes for sale in your market. Check for outages, updates and restoration times. once you buy the card at Walmart you call and order a new card with your name and your checks takes about 5 business days to get it. My mother emailed me last week to ask if she was using the word “nor” correctly, which brings us to today’s post: the use of either or and neither nor. Data helps make Google services more useful for you. If the names are separated by a comma, "or," "and/or," or nothing at all, you can endorse and cash the check yourself. How to Write a Check. Instantly you have a list of past and recent orders, order numbers, order dates, and order details. Online shopping from the earth's biggest selection of books, magazines, music, DVDs, videos, electronics, computers, software, apparel & accessories, shoes, jewelry. It also can result in the bank sending the amount of the bounced check to a collection agency. FORMAT, DOWNLOAD & SEND Put the finishing touches on your resume with our easy-to-use formatting tools, then download your resume in the format you need. Payment Good work pays off: The better you write, the more you can earn. Sign in and start exploring all the free, organizational tools for your email. When this happens, you’ll be hit with a hefty fee, often $25 or more. In your cart, save the other item(s) for later in order to get NextDay delivery. Next, visit your bank branch to pay for the check with funds from your checking account or visit a location where you can buy the check with cash. We do not recommend getting either of these cards. You may want to check that the money order isn't a fake before exchanging your goods. It does not report the balance to the merchant, only the account status. You can spend your credit only at Walmart stores or on its website. Open up to over 6 million eBooks and audiobooks on award-winning eReaders and the free Rakuten Kobo App. I always pay more than the minimum. Access Google Drive with a free Google account (for personal use) or G Suite account (for business use). If you already have a resume, you can upload it so that the system automatically reads your job history. walmartgift. I quit my day job, in order to work on algebra. If the names are separated by a comma, "or," "and/or," or nothing at all, you can endorse and cash the check yourself. National Check Fraud Center. There is no bill to pay later. I discovered an unauthorized check written on my account. Just like your medical plan covers visits to your doctor, your Express Scripts prescription plan covers the medicine your doctor prescribes. Get banking and financial investment services including credit cards, internet and mobile banking, accounts, and loans online at HSBC Malaysia. Your destination for all real estate listings and rental properties. Copied! I am getting concerned about my order for a new modem. Enter the information once — it's saved to your account for convenient access when you make purchases. I was told that I wrote a bad check for 95. com, Sam's Club and Samsclub. Other banks charge for checking but we reward you. A draft is a money order or any kind of check, including cashier's checks and Treasury checks. My credit report shows 1 account delinquent and I think is affecting my credit score, How can I remove this from my credit? Thanks a lot :). If i have overdraft protection on my checking account can i still write a check at walmart without having it declined? Walmart check system. You'll need to create an online account with MoneyGram in order to process the money transfer request. One of the most common refundable tax credits is the Earned Income Tax Credit. For current information on your account balance and transaction history, please login to your PayPal account. How can I stop a payday lender from electronically taking money out of my bank or credit union account? You can stop electronic debits to your account by revoking the payment authorization, sometimes called an “ACH authorization. Check Walmart eGift Card balance online. Have at it. They have so many things you can do with it. com login, access to a billing statement or ability to get to System Control Center, contact Customer Care at 866-347-3292 for assistance. To prevent check fraud, Walmart can only accept your check if the name on the ID you show matches the name on the check. The easiest way to get your checks, either as a new order or as a reorder, is by visiting WalmartChecks. When community members submit a link, they also write a custom headline for the story. A debit card lets you spend money from your checking account without writing a check. After you've submitted your payment, you can check the status of your bill payment any time through the Transaction Details page. 6301 S Street Sacramento, CA 95817. The deposit of paper checks is handled differently than direct deposits, which are electronically deposited into your account. where to safely grow your cash Enter a few key inputs and get a detailed summary of the best bank account options and strategies for your situation. On top of that, if the check was for a bill, such as rent, you may be charged a late fee. Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. You can fill your review with details and facts to help others make informed decisions in the future. Pay in person. Groupon: Own the Experience. com or samsclub. Eventually, you might have trouble opening a bank account or paying by check with negative records in your history. A current account surplus indicates that the value of a country's net foreign assets (i. Using Online Banking or Mobile Banking, you can access your Bank of America checking, savings accounts, CD, IRA, credit card, mortgage and line of credit account information. In your Walmart Beauty Box, you'll find beauty samples and tips on products sold at Walmart and on Walmart. You may want to write your explanation before starting your online dispute. Note: Please remember to always pay with a personal check, cashier's check or money order, and never send cash. Unrelated Hobbies Most companies do not want to see your hobbies on your resume. No take-backs. And if you're seeking a removal based solely on negative activity, that's likely to be a dead end if the information is accurate. Discover recipes, home ideas, style inspiration and other ideas to try. All Walmart stores offer these services, even if they don’t have a designated center. We have been able to not only reduce the time factor in resolving and restoring your check writing privileges and removal of negative remarks on your credit file which are the direct results of fraudulent misuse of your name and Social Security number, but have been. If your acct. 8,000+ education institutions, businesses, and other organizations trust Parchment to help turn credentials like transcripts, diplomas or certificates into opportunities. We have an unconditional guarantee of quality. Learn how to set up and use your Apple ID. Can I schedule automatic electronic payments?. E-Payment: Set up e-payment directly with your bank account. If you have upgraded your Card, you can continue to use it in several ways: you can enroll it with a new employer to receive your pay, you can get your tax refund deposited directly and more. In general, it's a loss prevention measure. Allow 1-4 days and assembly time before shipping. Brame, CFT Assistant Director Print Version Cite this guide: Brame, C. Follow the on-screen instructions for impersonation to file a report. We offer free resources including Writing and Teaching Writing, Research, Grammar and Mechanics, Style Guides, ESL (English as a Second Language), and Job Search and Professional Writing. We are the United Food and Commercial Workers International Union – a proud union family that feeds, serves, and provides for America’s hard-working families. They checked my credit report and a few weeks later I received a new Capital One credit card with a $500 limit. You can cash checks at your own bank if you have covering funds. Betterment Everyday™ Savings has no fees on your account balance. They both make your account and your meeting room uniquely yours. I'll pay for it out of my account. com is America's leading provider of people information and public record services. If you choose to save your credit card information to your account it will be available for use during your next shopping session. 15 days later all of the money in my bank account was gone, along with theirs. But I think they accidentally sent me another check for the same amount of 2600. eGift Cards may be redeemed at Walmart stores, Walmart. However If you do not have sufficient funds there are consequences. We do not recommend getting either of these cards. Next, check to see whether any of your premises basically says the same thing as the conclusion (but in different words). To learn how to allow cookies, check the online help in your web browser. Free Checking. I am also banking with wells fargo but my checking account is on negative balance -$700. com and do exercises. When you write a check, it's best to have the funds available in your checking account and assume that the money is gone as soon as you make the payment. They checked my credit report and a few weeks later I received a new Capital One credit card with a $500 limit. (i'm slowly working on getting out of an abusive situation, so i'm trying to keep very aware of what financial stuff i leave a record of, and where. I was really struggling in my classes and the workload for my pre-med major was really intense. If a phone call or email doesn’t resolve the problem, consider writing a complaint letter. They have removed over 56% of negative items off of my credit report. Walmart Photo Centre makes it easy to track your orders. “This is my one time of year to push for my career growth,” Darin says. Search for jobs, read career advice from Monster's job experts, and find hiring and recruiting advice. If you agree to electronic payments instead of a check, here’s what would happen on your next payday: the company would debit the full amount of the loan from your checking account electronically, or extend the loan for an additional $15. Enter the new password and choose Done. If you can't remember your username and/or password, you may create another username and password. Bluebird Cash Pickup orders can be picked up during Walmart store hours (typically 8:00 a. Here are the cutoff times for some ways of making a deposit or transferring. You seem to be thinking of "mod" as an operator: so that "13 mod 8" is another way to write the number "5". You wait for the payee to cash the check in and your account shows you have more money until they do. If positive, even only a penny, it will go through & will take, on average 3 days to post to the account. Get the help you need for your children, pets, elderly parents, home and lifestyle. If you have a friend or family member whom you trust, and who has a checking account, you can cash your check fee-free by endorsing the check over to them to cash. Walmart, offers check-cashing services that cost $3 to cash checks of. Search ratings and reviews of over 600,000 companies worldwide. Manage your card and gain access to all of the great Walmart MoneyCard features by creating an online account today! By creating an online account, you will be able to use features such as Send Money person to person transfer, Online Bill Pay, MoneyCard Vault and many more. Telecheck is an online check processing company. You won't have to wait days for the check to clear or tie up your funds in the meantime. print sample blank checks for check writing practice. You can add more money to your card with cash or by a cashing a check at any participating Walmart store, by enrolling in direct deposit, through an online bank transfer, or by depositing a check using your smartphone camera with the Walmart MoneyCard mobile app. How to Write a Check. An e-card is an electronic shopping account comprised of solely an account number and a balance; it does not include a tangible gift card. Walmart Cashier: That if you’re looking to apply at Walmart, the management structure is extremely supportive, and you probably won’t find a better one in basic retail anywhere, at least in my own personal experience. com this week to report that she was denied a promising job at the last minute after a credit check revealed some late payments — making her ineligible for hire. The only thing they are allowed to check when writing a check at Wal-Mart and really anywhere that runs your check through electronics is the status of your account, positive or negative. how can i remedy this and still write checks? will they re-submit? Does walmart take electronic checks at check out? Write a check at walmart with negative balance. You can even use the Walmart Grocery App and start shopping now. Can EssayWriter guarantee my privacy? Our essay writing service is wholly private. Get the help you need for your children, pets, elderly parents, home and lifestyle. You can load funds at thousands of retail locations nationwide, add funds from other employers and request a Secondary Card for a family member. This “negation” element is created according to the following general rule. com and i dont know the pass word or user name? I have a checking account with wells fargo bank, my question is. Manage Shipping Addresses Click Shipping Addresses Opens in new window to update your address. When writing an email to your family or friends, you may be as casual as you want. I write very few checks now and use money orders for most payments. Whether you're looking for memorable gifts or everyday essentials, you can buy them here for less. Keep in mind that Management Responses can be found by search engines. Why does your experience matter? The company can reach out directly to you and resolve your issue. Over time, countless data points about an individual are collected; any single data point perhaps cannot identify an individual, but together allows the. Can a non us citizen cash a wells fargo check at wells fargo bank? Can i cash a check drawn on a wells fargo account, at a wells fargo branch, if i do not have an account there?. In store: Pop into your local Walmart or Sam's Club to make a payment. Either method is acceptable for completing your tax return. After a few months I started writing checks at Walmart, Sam's, HEB with no problem so I figured all was well. 1) IF A CHECK IS WRITTEN OUT TO YOU. Banks That Cash Checks for Non-Customers. You can opt out of the quarterly evaluation on the Web or Mobile App by logging into your SunPass account, selecting “Account Profile” and under “Payment Information”, checking the box “I would like to opt-out of the quarterly evaluation of my account” or calling the SunPass Customer Service Center at 1-888-TOLL-FLA (1-888-865-5352). Turn your check into cash while you run errands. It's really not that important. A mobile check deposit is one made when you use a bank app and take a picture of the front and back of the check with your mobile phone to deposit it in your account. My credit report shows 1 account delinquent and I think is affecting my credit score, How can I remove this from my credit? Thanks a lot :). If someone deposit's a check into your account with your permission, you are responsible for whatever happens with that check. We offer financial help via cash advances, payday loans, prepaid cards, and more. Why did you get a Code 3? You've never written a bad check or do write them very often. Get all the features you need to manage your money securely and efficiently — without the fees. All checks that are required for cashing must have the CAR / LAR as positive values. Links are submitted by members of the Fark community. Don't expect Walmart to write you a check for Savings Catcher earnings. com Gift Card, pay credit card bills or pick up cash at a MoneyGram agent location. My account would go into the negative if I was aloud to do that. Step 1: Choose a topic A descriptive essay will usually focus on a single event, a person, a location or an item. With Vision Centers in over 2,500 Walmart stores nationwide, it’s always easy to get the quality vision care you deserve. We encourage our customers to take advantage of the benefits of the new electronic payment option, but you also can mail in your payment. How can I tell if it was processed as an electronic payment or as a check payment? A deposit was credited to my account by mistake. Many banks apply a fee to the account. The most common cause of an out-of-date account is an incorrect password. If the names are separated by a comma, "or," "and/or," or nothing at all, you can endorse and cash the check yourself. You can use the card whenever you incur an eligible expense at a quali-fied provider. Turn Credentials Into Opportunities. Get the do-everything-in-a-tap app. You can check my payment history. Whether it’s an unexpected bill or cash emergency, we make it easy to get cash, if approved. my backup method is a confirmed bank account with money in it. Learn how to do just about everything at eHow. View and pay your PG&E bill, check your account balance and payment history, set up recurring payments, take the free Home Energy Checkup, set up account alerts and more—all online. Tagged makes it easy to meet and socialize with new people through games, shared interests, friend suggestions, browsing profiles, and much more. By Geoff Williams and Simon Zhen. There is no standard for reporting to ChexSystems – some financial institutions will report a check that bounced due to a miscalculation, where others may only report cases of fraud. If you have any questions about our business check or business envelopes you may visit our FAQ page and let us answer. Business checks & deposit slips are 100% compatible to current accounting systems. The checks include more detailed information and instructions. This means the bank can only freeze what's in your account at the time the levy is processed. If you use Walmart Money Center because you don't have a bank account, you might want to consider opening one. Remember, ANYONE can print a check, that doesn't mean that the account is real or the money is there! The "you won our lottery" scam is the most common means used by these scammers, but you must be suspicious of ANY check your receive from an unknown or unexpected source. You can redeem your Cash-Back Rewards using our website or mobile app after the completion of each Reward Year and then can use that cash-back money as part of your available balance. Cash a check day before pay day? July 2, 2008 12:06 PM Subscribe If I write a check today and it's cashed immediately, but the money to cover it won't be in my account until tomorrow, what happens?. TeleCheck General Merchant Information If the check writer makes any changes or errors on the check, what should I do? Because a check is a legal document and should be treated as such, the check writer must initial any changes or alterations to a check. You can always edit this or any other info in settings after joining. Either method is acceptable for completing your tax return. Get the do-everything-in-a-tap app. Many banks apply a fee to the account. Brame, CFT Assistant Director Print Version Cite this guide: Brame, C. my sister, the crooked little bitch, deposited a $4000 check into her credit union account in. Most other options charge a small fee for the service, but allow you to walk out with the entire amount. Your and your spouse's filing status. Huntington provides online banking solutions, mortgage, investing, loans, credit cards, and personal, small business, and commercial financial services. Money Network Checks can be used to withdraw money from your Account at any time. You need a pen, a form of identification and a check from your checking account. That means writing a unique cover letter for every job you apply to. If you write several NSF checks then this fee would be applied for each bounced check. I came to conclusion ACE would cash a piece of paper if you brought it in. Your bank can only protect the accounts that you have opened — credit monitoring helps you detect accounts that you haven't opened. 15 GB of storage, less spam, and mobile access. You can manage your card account right on your mobile phone: - Check your balance - anytime, anywhere - Initiate bill payments - pay anyone right from your phone - See your card account statement - review your recent activity. When you write an electronic check, the money is immediately deducted from your checking account, just like when you use your debit card. They have so many things you can do with it. When we determine that your account is overdrawn after we finish processing for the day, and we pay for the transaction or transactions, we may charge an overdraft item fee of $35 per item over $1. Save Money. Walmart's Digital Photo Center offers free, unlimited storage of your online photos, whether they come from film you develop with us or from digital photos you upload to your Photo Center account. However, several negative reviews on the bench to discourage me. You can do this if you find any inaccurate information regarding the late payment on your credit report. My girlfriends love her book. Note: For all of the places listed below, you must bring a valid, government-issued photo ID. Once your check is approved, you'll be prompted to write "VOID" across the front of the check. And I can tell you the solution is not eye cream or weight loss or will power. Can EssayWriter guarantee my privacy? Our essay writing service is wholly private. To cash a money order, you can either bring it to your bank, or to the money order issuing company (like Western Union or the USPS) for payment. We offer financial help via cash advances, payday loans, prepaid cards, and more. The employer funds and owns the account. If you can do this, then your essay is a success, if not, then you have a lot of work to do. Walmart Cashier: That if you’re looking to apply at Walmart, the management structure is extremely supportive, and you probably won’t find a better one in basic retail anywhere, at least in my own personal experience. The employer funds and owns the account. Manage your account; Watch TV on the go for FREE with Suddenlink2GO® And more! Best of all, it's FREE! Register today to get started! My Account Registration - Step 1. Evidence of prior bad check writing history is not determinative in how a risk model ultimately decisions on a check transaction. It is time to conquer your fears of the self-checkout machine once and for all. com and i dont know the pass word or user name? I have a checking account with wells fargo bank, my question is. Can EssayWriter guarantee my privacy? Our essay writing service is wholly private. I just left the Greenwood store and they said a payment was not due until today. For affordable website hosting packages, go to MySite. You can cash checks at your own bank if you have covering funds. Your and your spouse's filing status. But you should rarely—if ever—do this until you’re at least 59 ½ years old!. For a fee, you can instantly cash a variety of checks without any holds or waiting periods. Independent sellers Buy directly from someone who put their heart and soul into making something special. You can even use the Walmart Grocery App and start shopping now. It says i have a walmart account to walmart benefits. Simply log into MyCarMax, click on the “set up new account” and follow the instructions. When you endorse the check, you’ll sign your name and underneath write “Pay to the order of [friend’s name],” under which they’ll endorse the check. Create an Account To create a Walmart. United States Shop doTERRA. Paying for goods and services with a check written on a closed account is a serious offense that puts the perpetrator in legal jeopardy. I found out that the check was deposited into his bank "for deposit only" and no forging was done. Writing a check is a PITA, really. This means you have enough money in your own account to cover the amount of the check you wish to cash. The WWC Check aims to protect children by: deterring people from applying to work with children where they have a relevant charge or conviction on their criminal record that indicates they may harm a. If you already have a Walmart MoneyCard, just log in to the website or mobile app and get your routing and Direct Deposit account numbers. Here’s the electronic journey a check takes before it lands in a bank account. Our CPTG Certified Pure Therapeutic Grade ® essential oil products offer natural solutions for you and your loved ones. Learn competitors' PPC & SEO tricks and avoid their mistakes. Unrelated Hobbies Most companies do not want to see your hobbies on your resume. You can cash checks at your own bank if you have covering funds. If you can do this, then your essay is a success, if not, then you have a lot of work to do. com, you can use any one of over 4,500 test centers that offer fast, private STD testing at your convenience. Here are the best places to order checks without getting ripped off. Then, cut and paste it into the Management Response form. I have never written a bad check in my life and knew I had more than enough funds ($4,500+) in my checking account, so I asked the clerk to run it again, but it was again declined. When I shop at Walmart. wondering who the hell is this certegy and there right to give damaging information. Launched in 2007, the site is now the largest business news site on the web. To prevent check fraud, Walmart can only accept your check if the name on the ID you show matches the name on the check. Some banks will cash checks for non-customers if the check they are cashing is drawn on an account from that bank. Once you make your initial deposit, register for direct deposit, autopay and keep up with what you spend so you don’t overdraw your account. You can load funds at thousands of retail locations nationwide, add funds from other employers and request a Secondary Card for a family member. Use our online form creator to build contact forms, surveys, event registrations, and more. You can also write a check to yourself and cash it for free at participating locations to access the money available in your Account. Cash a check with Ingo Money and, if your check is approved, get your money in minutes in your bank, prepaid card or PayPal account, buy an Amazon. No description, language or communication provided or stated on this site is intended to provide legal advice or is to be construed as providing any legal opinion or conclusion, or advice of legal rights regarding any matter, including past, present or future claims or causes of action, under federal or any state law.