Disclaimer

1. Not Financial Advice

The information, calculators, and content provided on Finlytics.org are for general educational and informational purposes only. They do not constitute:

• Financial advice or financial planning services
• Investment advice or recommendations
• Tax advice or tax preparation services
• Legal advice or legal services
• Accounting or professional services
• Insurance advice or recommendations

You should consult with qualified professionals (certified financial planners, tax advisors, attorneys, accountants) before making any financial decisions.

2. Estimates Only

All calculator results are simplified estimates and may not reflect actual outcomes. Calculators use assumptions and formulas that may not apply to your specific situation.

Factors that can affect accuracy include:

• Changes in tax laws and regulations
• Fluctuating interest rates and market conditions
• Individual financial circumstances
• State and local laws (our calculators use general assumptions)
• Inflation and economic changes
• Personal risk tolerance and goals

3. No Warranties or Guarantees

Finlytics.org makes NO WARRANTIES OR GUARANTEES regarding:

• The accuracy, reliability, or completeness of calculator results
• The suitability of our tools for your specific needs
• The timeliness or currency of information
• Error-free operation of calculators
• Uninterrupted availability of the service

All information is provided "AS IS" without warranty of any kind, either express or implied.

4. Tax Information

Our tax calculators use general tax rates and brackets that may not reflect:

• Your specific state or local tax obligations
• Recent changes to tax laws
• Special deductions, credits, or circumstances
• Alternative Minimum Tax (AMT) implications
• Complex tax situations (business income, foreign income, etc.)

Always consult a licensed tax professional or CPA for personalized tax advice.

5. Investment Information

Investment calculators on Finlytics.org are educational tools only. They do NOT:

• Recommend specific investments, stocks, bonds, or funds
• Guarantee investment returns or outcomes
• Account for market volatility or risk
• Replace professional investment advice

Past performance does not guarantee future results. All investments carry risk, including potential loss of principal.

6. Mortgage and Loan Information

Our mortgage and loan calculators provide estimates based on the inputs you provide. Actual loan terms may differ due to:

• Credit score and creditworthiness
• Lender-specific requirements and fees
• Property-specific factors (location, type, condition)
• Down payment amount and loan-to-value ratio
• Private mortgage insurance (PMI) requirements
• Closing costs and additional fees

Always get pre-qualified with actual lenders before making real estate decisions.

7. Retirement Planning

Retirement calculators use simplified assumptions about:

• Investment returns (actual returns will vary)
• Inflation rates (may be higher or lower than assumed)
• Life expectancy (individual circumstances vary)
• Social Security benefits (subject to change)
• Healthcare costs (highly variable and unpredictable)

Consult a certified financial planner (CFP) for comprehensive retirement planning.

8. Third-Party Links and Affiliates

Finlytics.org may contain affiliate links to financial products and services. We may earn compensation if you click these links, but:

• We do NOT recommend or endorse specific products
• Affiliate relationships do NOT influence calculator accuracy
• You should research all financial products independently
• We are NOT responsible for third-party offerings or terms

9. No Liability for Decisions

Finlytics.org and its owners, operators, and affiliates are NOT LIABLE for any financial decisions you make based on our calculators or content. This includes but is not limited to:

• Financial losses or missed opportunities
• Tax penalties or legal issues
• Investment losses or poor returns
• Loan or mortgage decisions
• Business or career decisions

You use Finlytics.org at your own risk.

10. Verify All Information

Before making any financial decision, you should:

• Verify calculator results independently
• Consult with multiple qualified professionals
• Research current laws, rates, and regulations
• Consider your individual circumstances and goals
• Obtain multiple quotes from service providers
• Read all contracts and agreements carefully

11. Professional Credentials

When seeking professional advice, consider working with licensed and credentialed professionals:

• Financial Planning: Certified Financial Planner (CFP®)
• Taxes: Certified Public Accountant (CPA) or Enrolled Agent (EA)
• Investments: Registered Investment Advisor (RIA)
• Legal: Licensed Attorney
• Insurance: Licensed Insurance Agent

12. Contact Information

If you have questions about this Disclaimer, contact us at: