No Financial Advice

Stacks is an educational platform and financial literacy tool. The information, tools, calculators, and content provided through this Service are for general informational and educational purposes only and do not constitute financial, investment, tax, legal, or any other form of professional advice.

You should not rely on the information provided by Stacks as a substitute for professional advice from a licensed financial advisor, certified public accountant, attorney, or other qualified professional.

No Professional Relationship

Use of this Service does not create a professional advisor-client relationship between you and Stacks or any of its creators, employees, or affiliates. We are not acting as your financial advisor, broker, tax advisor, or legal counsel.

Educational Purpose Only

All tools, calculators, projections, and educational content are provided to help you:

• Understand general financial concepts
• Explore hypothetical scenarios
• Learn about budgeting, saving, and debt management principles
• Make more informed decisions in consultation with professionals

These tools should not be used as the sole basis for any financial decision.

Consult Licensed Professionals

Before making any financial, investment, tax, or legal decisions, you should consult with qualified, licensed professionals who can provide personalized advice based on your specific circumstances, including:

• Financial Advisors: For investment strategy, retirement planning, and wealth management
• Certified Public Accountants (CPAs): For tax planning and preparation
• Attorneys: For legal matters including estate planning and business formation
• Insurance Agents: For insurance coverage and risk management
• Credit Counselors: For debt management strategies

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the accuracy, completeness, or timeliness of any information provided through the Service.

Financial laws, regulations, tax codes, and market conditions change frequently. Information that was accurate when published may become outdated. It is your responsibility to verify all information with current sources and licensed professionals.

Calculator and Tool Limitations

Our calculators and financial tools use simplified models and assumptions that may not reflect real-world complexity:

• Projections are hypothetical and do not guarantee future results
• Assumptions may not apply to your specific situation
• Market returns vary and past performance does not predict future results
• Tax situations differ based on individual circumstances
• Life events (job loss, health issues, etc.) can dramatically affect outcomes

Investment Risks

Any discussion of investments, including stocks, bonds, mutual funds, ETFs, or other securities, is for educational purposes only. All investments carry risk, including the possible loss of principal.

• Past performance does not guarantee future results
• Market values fluctuate and can decline
• Diversification does not guarantee profit or protect against loss
• Higher potential returns typically involve higher risk

You should never invest money you cannot afford to lose.

Affiliate Relationships and Recommendations

Stacks may include affiliate links to third-party products and services. We may earn commissions when you click on these links or make purchases, at no additional cost to you.

Our affiliate relationships do not constitute endorsements or recommendations. We strive to recommend only reputable products and services, but:

• We are not responsible for the performance, terms, or practices of third-party services
• You should conduct your own due diligence before purchasing any product or service
• What works for one person may not be suitable for another
• Read all terms, conditions, and disclosures before enrolling in any service

Personal Responsibility

You are solely responsible for your financial decisions. By using this Service, you acknowledge and agree that:

• You will seek professional advice before making major financial decisions
• You understand the risks involved in financial planning and investing
• You will not rely solely on information from Stacks
• You accept full responsibility for the outcomes of your financial decisions

No Guarantees

We make no guarantees, promises, or warranties about:

• Financial outcomes or results from using our tools
• Accuracy of projections or calculations
• Suitability of any strategy for your situation
• Performance of recommended products or services
• Achievement of financial goals

Limitation of Liability

To the fullest extent permitted by law, Stacks and its creators, employees, and affiliates shall not be liable for any financial losses, damages, or negative outcomes resulting from:

• Use of information or tools provided through the Service
• Financial decisions made based on content from the Service
• Errors or omissions in any information provided
• Reliance on projections, calculations, or recommendations
• Use of third-party products or services linked from the Service
• Changes in tax laws, regulations, or market conditions

Regional Differences

Financial regulations, tax laws, and best practices vary significantly by country, state, and locality. Content on Stacks is created with a general U.S. audience in mind but may not reflect the laws or best practices in your specific jurisdiction.

Always consult with local professionals who understand the regulations in your area.

Premium Features Disclaimer

Premium subscription features, including progress tracking and data persistence, are provided as-is. Premium features do not include personalized advice, and subscribing does not create a professional advisory relationship.

Updates to This Disclaimer

We may update this Disclaimer from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Service constitutes acceptance of any changes.

Questions or Concerns

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

Email: legal@stacks.example.com