Disclaimer

1. Financial Information Disclaimer

The information provided by Zero Balanced is for general informational and educational purposes only. It is not intended as financial, investment, legal, or tax advice, nor should it be construed or relied on as such.

No Financial Advice

• We are not licensed financial advisors, investment advisors, or tax professionals
• The calculator results should not be your sole basis for financial decisions
• Always consult with qualified financial professionals before making investment decisions
• Past performance does not guarantee future results

Calculation Accuracy

• All calculations are estimates based on the inputs you provide
• Results may not reflect real-world market conditions or individual circumstances
• Interest rates, inflation, and market performance can vary significantly
• We cannot guarantee the accuracy of any calculations or projections

2. Investment Risk Disclaimer

All investments carry inherent risks, and you should be aware of these risks before making any financial decisions.

Market Risks

• Investment values can go down as well as up
• You may get back less than you originally invested
• Past performance is not indicative of future results
• Market conditions can change rapidly and unpredictably

Inflation and Economic Factors

• Inflation can erode the purchasing power of your money over time
• Economic conditions can affect investment performance
• Currency fluctuations may impact international investments
• Tax laws and regulations may change

3. No Warranty

Zero Balanced is provided "as is" without any representations or warranties, express or implied.

Service Availability

• We do not guarantee continuous, uninterrupted access to our service
• The service may be temporarily unavailable due to maintenance or technical issues
• We reserve the right to modify or discontinue the service at any time

Accuracy of Information

• While we strive for accuracy, we cannot guarantee error-free calculations
• Information may become outdated due to changing market conditions
• Users should verify all calculations independently

4. Limitation of Liability

To the fullest extent permitted by law, Zero Balanced and its creators shall not be liable for any damages arising from your use of this service.

Types of Damages Excluded

• Direct, indirect, incidental, or consequential damages
• Financial losses resulting from investment decisions
• Loss of profits, data, or business opportunities
• Any damages resulting from reliance on our calculations

User Responsibility

• You are solely responsible for your financial decisions
• You should seek professional advice for your specific situation
• You assume all risks associated with using our service

5. Regional and Regulatory Considerations

Financial regulations, tax laws, and investment options vary by country and region.

Local Regulations

• Ensure compliance with your local financial regulations
• Tax implications may vary based on your jurisdiction
• Investment products availability differs by region
• Currency considerations may apply for international users

Professional Consultation

• Consult local financial advisors familiar with your jurisdiction
• Consider tax implications specific to your country
• Verify investment options available in your region
• Understand local consumer protection laws

6. Updates and Changes

We may update this disclaimer from time to time to reflect changes in our service or legal requirements.

• Updates will be posted on this page with a new "last updated" date
• Continued use of our service constitutes acceptance of any changes
• We encourage you to review this disclaimer periodically
• Material changes may be highlighted for your attention