Outside of QuickBooks _ Depending on what needs to be included, it might make more sense to print the disclaimer on the back of the form. It would also be possible to use this method in conjunction with option 1 or 2 to state something along the lines of "see additional disclaimer information on the back of this form" to include a reference to the information without having to actually include it on the form.
So what are the pros and cons of using Microsoft Access forms? Working with 'Bound' forms means that it's much easier and quicker to create forms that are associated to records from tables or queries saving on the development time. However, every time the cursor (that is when scrolling) moves between records, you automatically trigger the save record action maintaining data integrity. What if you wanted to stop this from happening and have better control? Well, you can't with this type of object relationship.