Disclosures

1. Educational Tools & Non-Fiduciary Status

MoneyWealth AI provides software tools, computational dashboards, and educational analytics based on user-provided and linked financial records. MoneyWealth AI is not a registered investment advisor (RIA), broker-dealer, commodity trading advisor, certified financial planner (CFP), or licensed legal or tax professional. Nothing contained on this platform or generated by our software should be construed as personalized financial, investment, legal, accounting, or tax advice.

2. Nature of Advice AI & Algorithmic Output

Our Advice AI engine analyzes user transactions, zero-based budget categories, and debt balances to synthesize mathematical summaries and scenario models. While the system is engineered to reference verified ledger data and provide transparent calculation citations, artificial intelligence systems produce probabilistic assessments. Algorithmic outputs may occasionally misclassify transactions, misinterpret unconventional statements, or omit nuances specific to your tax bracket or jurisdiction. You are solely responsible for independently verifying all figures before executing financial decisions.

3. Non-Custodial Architecture & Read-Only Aggregation

MoneyWealth AI operates on a strictly non-custodial, read-only basis. We partner with Plaid Technologies, Inc. ("Plaid") to establish encrypted connections with your financial institutions. MoneyWealth AI never obtains, stores, or accesses your online banking passwords, credentials, or PINs. Furthermore, MoneyWealth AI lacks any technical capability or authorization to initiate money transfers, debit balances, trade assets, or modify your external bank accounts.

4. Portfolio & Net Worth Tracking Disclaimers

Portfolio tracking and asset allocation summaries displayed within MoneyWealth AI are compiled for informational and organizational convenience only. Valuation estimates for equities, fixed income, cryptocurrency, or real estate assets are subject to market latency and reporting delays from underlying data providers. MoneyWealth AI never issues buy, sell, or hold recommendations for any specific security, fund, or asset class.

5. Debt Payoff & Snowball Projection Assumptions

Projections generated by our debt payoff calculators (including Debt Snowball, Debt Avalanche, and custom accelerated schedules) rely on mathematical assumptions regarding interest rates, minimum payment schedules, and compounding intervals. These estimates assume constant interest rates and timely payments without accounting for unexpected variable-rate resets, penalty APR triggers, late fees, or compounding changes enacted by your credit card issuers or loan servicers.

6. Recommendation to Consult Licensed Advisors

Every individual and household maintains unique risk tolerances, tax considerations, and liquidity needs. We strongly recommend consulting with a certified financial planner, licensed CPA, or qualified estate attorney before making substantial asset reallocations, loan prepayments, or tax-advantaged retirement contributions.