Legal Disclaimer

The information provided by FinToolsPro ("we," "us," or "our") on https://www.fintoolspro.com (the "Site") and our mobile application is for general informational purposes only. All information on the Site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.

The Site cannot and does not contain financial advice. The financial information is provided for general informational and educational purposes only and is not a substitute for professional financial advice.

Accordingly, before taking any actions based upon such information, we encourage you to consult with the appropriate financial professionals. We do not provide any kind of financial advice. The use or reliance of any information contained on this site is solely at your own risk.

Our financial calculators and tools are designed to provide estimates and projections based on the information you input. However, please note the following limitations:

• Estimates Only: All calculations are estimates and should not be considered exact predictions
• Market Variability: Actual market conditions may vary significantly from projections
• Input Dependence: Results depend entirely on the accuracy of information provided by users
• Simplified Models: Calculations use simplified models that may not capture all real-world complexities
• Tax/Law Changes: Calculations may not reflect recent changes in tax laws or regulations
• Rounding Errors: Minor rounding differences may occur in calculations

All investments involve risk, including the possible loss of principal. Past performance does not guarantee future results. The investment information provided on this Site should not be construed as investment advice or a recommendation.

Key Investment Risks Include:

• Market Risk: The value of investments may fluctuate due to market conditions
• Credit Risk: Risk of default by issuers of debt securities
• Inflation Risk: Purchasing power may decrease over time
• Liquidity Risk: Inability to sell investments quickly at fair prices
• Concentration Risk: Lack of diversification in investments
• Currency Risk: For investments in foreign currencies

The tax information and calculations provided on this Site are for general informational purposes only and should not be considered as tax advice.

Important Tax Considerations:

• Tax laws and regulations change frequently
• Tax situations vary by individual circumstances
• State and local tax considerations may apply
• International tax treaties may affect calculations
• Deduction limits and eligibility criteria change annually

The Site may contain (or you may be sent through the Site) links to other websites or content belonging to or originating from third parties. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by us.

We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through the site or any website or feature linked in any banner or other advertising. We will not be a party to or in any way be responsible for monitoring any transaction between you and third-party providers of products or services.

The Site is provided on an "AS IS" and "AS AVAILABLE" basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Site or the information, content, materials, or products included on this Site.

We expressly disclaim all warranties, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement of intellectual property
• Accuracy, reliability, or currency of information
• Freedom from computer viruses
• Uninterrupted or error-free operation

To the fullest extent permitted by applicable law, in no event shall FinToolsPro, its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Site
• Any conduct or content of any third party on the Site
• Any content obtained from the Site
• Unauthorized access, use, or alteration of your transmissions or content

By using our Site and tools, you acknowledge and agree that:

• You are solely responsible for your financial decisions
• You will verify all calculations independently
• You will consult with qualified professionals before making financial decisions
• You understand the risks associated with financial investments
• You will not rely solely on information from this Site
• You are responsible for maintaining the confidentiality of your financial information

We reserve the right to make changes or modifications to this Disclaimer at any time and for any reason. We will alert you about any changes by updating the "Last Updated" date of this Disclaimer.

It is your responsibility to periodically review this Disclaimer to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Disclaimer by your continued use of the Site after the date such revised Disclaimer is posted.