AI & Financial Information Disclaimer

The AI Features are provided strictly for informational, educational, organizational, and general guidance purposes. They do not constitute financial advice, investment advice, legal advice, tax advice, accounting advice, insurance advice, mortgage advice, credit counseling, or any other regulated professional advice.

Finding Wealth is not your financial advisor, portfolio manager, fiduciary, accountant, lawyer, mortgage broker, insurance representative, or licensed professional by virtue of your use of the AI Features.

Nothing generated by the AI Features shall be interpreted as a recommendation to buy, sell, hold, apply for, refinance, borrow, insure, cancel, redeem, transfer, or otherwise take action with respect to any financial product, credit product, investment, security, account, loan, tax position, or insurance arrangement.

Use of the AI Features does not create any advisor-client, fiduciary, solicitor-client, accountant-client, brokerage, agency, or other professional relationship between you and Finding Wealth.

You acknowledge that AI-generated outputs may be inaccurate, incomplete, misleading, non-personalized, outdated, or unsuitable for your circumstances. The AI Features may generate assumptions, approximations, summaries, categorizations, suggestions, or conclusions that are incorrect or not appropriate for your actual financial condition, legal position, goals, or risk tolerance.

You agree that you will not rely exclusively on any AI-generated output and that you are solely responsible for independently reviewing, verifying, and evaluating all outputs before acting on them.

Any decision you make regarding budgeting, debt repayment, investing, credit usage, card applications, balance transfers, point redemptions, tax elections, insurance elections, mortgage strategies, or any other financial or legal matter is made solely by you and at your sole risk.

You agree that Finding Wealth shall not be responsible for losses, liabilities, costs, missed opportunities, interest charges, tax consequences, declined applications, market losses, point devaluations, account closures, overdrafts, penalties, or any other outcomes arising from your reliance on or use of the AI Features.

The AI Features must not be used as a substitute for urgent professional guidance or emergency decision-making. If you require legal, tax, accounting, debt, credit, investment, mortgage, insurance, medical, or emergency support, you should consult an appropriately qualified professional.

Do not submit information that you are not authorized to disclose. By using the AI Features, you represent and warrant that you have all rights, permissions, and consents necessary to submit the information you provide.

You acknowledge that your prompts, messages, and related information may be processed by the Company and its service providers for the purpose of generating outputs, maintaining service quality, improving functionality, preventing abuse, and fulfilling legal or operational obligations, all in accordance with the Privacy Policy.

Finding Wealth does not guarantee any financial outcome, savings result, debt reduction outcome, investment return, credit score change, approval result, points optimization result, tax outcome, or other result from use of the AI Features.

Illustrations, forecasts, scenarios, estimates, examples, and projections are hypothetical only and are not guarantees of future performance or real-world results.

We may modify, suspend, restrict, or discontinue the AI Features at any time, including by changing available models, limits, interfaces, pricing, capabilities, supported tasks, response types, or premium access rules.

To the fullest extent permitted by applicable law, you knowingly and voluntarily assume all risks associated with use of the AI Features and any reliance upon the information, summaries, or outputs generated through them.

By agreeing to this disclaimer, you expressly acknowledge that:

1. you have read and understood this AI Disclaimer;
2. you understand that the AI Features are not a substitute for regulated professional advice;
3. you understand that outputs may be wrong or incomplete;
4. you remain solely responsible for all decisions and actions taken in reliance on the AI Features; and
5. you agree to the Terms of Use and Privacy Policy.