A disclaimer protects you against FTC penalties. The Federal Trade Commission (FTC) requires you to post affiliate disclaimers if you receive compensation for linking to other companies’ products. Having these disclaimers on all pages where affiliate or sponsored links appear can protect you from violating FTC guidelines.
Furthermore, disclaimers can help you in court if legal action is brought against your site. For example, if you warn users to act on your content at their own risk in a prominent disclaimer, this could help you win a potential lawsuit filed against your site.