1. NOT FINANCIAL, TAX, OR LEGAL ADVICE

FINMATO IS NOT A FINANCIAL ADVISOR, TAX ADVISOR, ACCOUNTANT, OR ATTORNEY.

All calculators, tools, information, and content on this website are provided for educational and informational purposes only. Nothing on this website constitutes:

• Financial advice or financial planning services
• Investment advice or recommendations
• Tax advice or tax preparation services
• Legal advice or legal services
• Accounting or bookkeeping services
• Insurance advice or recommendations
• Real estate advice or appraisals

2. DATA ACCURACY AND CURRENCY

YOU MUST VERIFY ALL DATA WITH OFFICIAL SOURCES:

• IRS.gov for tax information
• SSA.gov for Social Security
• Your financial institution for current interest rates
• Your state's official website for state-specific rules
• Licensed professionals for personalized advice

3. NO GUARANTEES OR WARRANTIES

We make NO GUARANTEES regarding:

• Accuracy of calculations or results
• Completeness of information
• Suitability for your specific situation
• Currency of tax laws, rates, or limits
• Reliability of projections or estimates
• Availability or uptime of the service

4. CONSULT LICENSED PROFESSIONALS

YOU MUST CONSULT QUALIFIED PROFESSIONALS BEFORE MAKING FINANCIAL DECISIONS:

• Financial Advisors: For investment and retirement planning (CFP, CFA)
• Tax Professionals: For tax planning and preparation (CPA, EA)
• Attorneys: For legal matters and estate planning
• Insurance Agents: For insurance needs and coverage
• Mortgage Brokers: For home loans and refinancing
• Accountants: For business and personal accounting

5. LIMITATION OF LIABILITY

6. SPECIFIC CALCULATOR WARNINGS

Tax Calculators

Tax laws change annually. Our calculators may use outdated tax brackets, deductions, credits, or rules. Always consult IRS.gov or a licensed tax professional.

Retirement Calculators

Contribution limits, catch-up contributions, and income phase-outs change yearly. Social Security formulas and benefit calculations are complex and individualized. Consult SSA.gov and a financial advisor.

Loan Calculators

Interest rates, fees, and loan terms vary by lender and borrower. Our calculators use estimates and may not reflect actual loan offers. Always get official quotes from lenders.

Investment Calculators

Past performance does not guarantee future results. Market returns vary significantly. Investment risks are not fully reflected in our calculators. Consult a licensed investment advisor.

7. NO PROFESSIONAL RELATIONSHIP

Using our calculators does NOT create any professional relationship, including:

• Financial advisor-client relationship
• Attorney-client relationship
• Accountant-client relationship
• Fiduciary duty or obligation

8. PERSONAL RESPONSIBILITY

YOU ARE SOLELY RESPONSIBLE FOR:

• Verifying all calculations independently
• Consulting appropriate professionals
• Understanding your personal financial situation
• Making your own financial decisions
• Complying with all applicable laws and regulations
• Any consequences of decisions made using our calculators

9. REGULATORY COMPLIANCE

Finmato is not registered with:

• Securities and Exchange Commission (SEC)
• Financial Industry Regulatory Authority (FINRA)
• State securities regulators
• Any professional licensing boards

We do not provide services that require such registration.

10. CHANGES TO CALCULATORS

We reserve the right to modify, update, or discontinue any calculator at any time without notice. We are not obligated to update calculators for new tax laws, regulations, or financial data.