By indorsing a check, "Without recourse," Pat effectively disclaims both contractual and warranty liability.

Without Recourse

A clause indicating that the holder of a negotiable instrument cannot seek payment from the sender in the event of non-payment by the intended party.

Contractual Liability

Legal obligations arising from contracts entered into by an entity or individual.

Warranty Liability

The legal obligation of a seller to ensure the goods or services sold meet certain quality and performance standards.