Investment Disclaimer

Important Investment Disclaimer

ML Stats is not a registered investment advisor.
We are not Certified Financial Planners (CFP) and are not investment professionals.

Portfolio Modeler and Financial Planner are educational tools provided for informational purposes only.
These tools, outputs, and examples do not constitute financial, tax, legal, or investment advice. 

Actual investment returns, inflation rates, and market conditions will vary. Results are based on assumptions and may not reflect your actual financial situation.

No Warranty
These tools are provided "as is" and "as available," without warranty of any kind, express or implied.
This includes, without limitation, warranties of accuracy, completeness, merchantability, fitness for a particular purpose, or non-infringement.

Calculation Risk
The tools may contain bugs, modeling limitations, data issues, or calculation errors.
Results may differ from real-world outcomes and from other calculators.
Past performance assumptions are not guarantees of future results.

User Responsibility
You are solely responsible for your financial decisions.
You must perform your own due diligence, verify all assumptions and outputs, and consult qualified licensed professionals before taking action.

Data Safety
Do not enter sensitive personal or account-identifying information into these tools, including brokerage, bank, or retirement account numbers.
When naming accounts, use generic nicknames only (for example, "Taxable Brokerage"), and do not use real account numbers.
Saved portfolio and planning information is stored in your computer's web browser (local browser storage).
This saved information is not stored in our service databases or backend systems by default.

By using these tools, you acknowledge and accept these limitations and risks.