Financial Disclaimers

Important Legal Information About Our Services

1. General Disclaimer

Flo Faction Financial Intelligence Platform ("Platform") is provided for informational and educational purposes only. The content is not intended to constitute financial, investment, tax, or legal advice. Past performance is not indicative of future results.

2. Investment Disclaimers

2.1 No Investment Advice

Nothing on this Platform should be construed as investment advice, recommendations, or an offer to buy or sell securities. We do not provide personalized investment advice.

Risk Warning: All investments involve risk, including potential loss of principal. Past performance does not guarantee future results.

2.2 Market Risk

Investment values fluctuate based on market conditions. Market data and calculations may have delays or inaccuracies. Users assume all risk of investment decisions made based on Platform information.

2.3 Diversification

Our tools may suggest portfolio allocations, but these do not guarantee optimal results. Diversification does not ensure profit or protect against loss.

2.4 Third-Party Data

Market data and financial information is obtained from third-party sources. While we endeavor to provide accurate information, we make no warranty regarding accuracy, completeness, or timeliness of data.

3. Tax Disclaimers

Tax calculations and estimates provided by our Platform are for informational purposes only and should not be relied upon as tax advice.

Tax laws are complex and subject to change
Tax situations vary individually based on location and circumstances
We recommend consulting with a qualified tax professional
Users are responsible for their own tax reporting
We assume no liability for tax-related decisions

4. Insurance Product Disclaimers

4.1 Insurance Quotes

Insurance quotes provided are estimates only and not binding offers. Actual premiums may vary based on underwriting and policy details.

4.2 Coverage Recommendations

Our coverage calculators provide general guidance only. Coverage needs vary by individual circumstances. Consult with an insurance professional to determine appropriate coverage levels.

4.3 Policy Details

Review actual policy documents for complete details, exclusions, and limitations. Platform summaries are simplified representations only.

4.4 No Binding Obligation

Using our Platform does not create any binding insurance contract. Actual coverage is determined by the insurance company upon application and underwriting.

5. Retirement Planning Disclaimers

Retirement projections are based on assumptions that may not materialize
Inflation rates, investment returns, and life expectancy are uncertain
Social Security benefits may change due to legislative action
Consult with a financial advisor for personalized retirement planning
Regular monitoring and adjustments are recommended

6. Debt and Credit Disclaimers

Debt payoff calculators provide estimates based on inputs provided. Actual timelines depend on:

Interest rate changes
Payment consistency
Additional charges or fees
Credit card terms and conditions

7. Education Cost Calculators

Education cost projections based on historical trends
Actual costs may vary significantly by institution
Scholarship and financial aid availability cannot be guaranteed
Policy changes may affect education funding options

8. No Professional Relationship

Using our Platform does not establish a fiduciary relationship or professional advisory relationship. We are not your financial advisor, investment manager, insurance agent, or tax professional.

9. Accuracy and Completeness

While we strive for accuracy, we make no guarantees regarding:

Accuracy of calculations or projections
Completeness of information provided
Timeliness of market data
Absence of errors or omissions

Users should verify important information independently.

10. Limitation of Liability

To the maximum extent permitted by law, Flo Faction and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising from use of this Platform or reliance on its content, even if advised of the possibility of such damages.

11. User Responsibility

Users are solely responsible for:

Verifying all information independently
Conducting their own due diligence
Consulting with appropriate professionals
Making informed financial decisions
Complying with applicable laws and regulations

12. Changes to Disclaimer

We may modify these disclaimers at any time. Continued use of the Platform constitutes acceptance of any changes.

13. Contact Information

For questions about these disclaimers, contact us at:

Email: legal@flofaction.com
Address: Flo Faction Financial Intelligence Platform
123 Finance Street, Suite 100
Financial District, NY 10005

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