Disclaimer

1. No Financial Advice

Commonwealth Finance Tracker is a tool for organising, recording, and visualising financial information that you enter yourself. The app does not analyse your specific situation, does not make recommendations tailored to your circumstances, and does not act in a fiduciary capacity.

Any figures displayed in the app — such as account balances, net worth, budget progress, savings projections, or financial health scores — are mathematical calculations based solely on the data you have entered. They are informational only and should not be relied upon as financial guidance.

We are not registered or licensed as financial advisers, investment managers, brokers, tax consultants, or any other category of regulated financial professional under any jurisdiction.

2. Consult a Qualified Professional

Before making any significant financial decisions, we strongly encourage you to seek advice from an appropriately qualified professional. Different decisions require different expertise:

3. Accuracy of Information

All data displayed in Commonwealth Finance Tracker is based entirely on information entered by you, the user. We do not verify, validate, or independently confirm any data you provide. The accuracy of any output — balances, totals, reports, or projections — depends entirely on the accuracy of the data you enter.

We make no representations or warranties as to the accuracy, completeness, or reliability of any information displayed in the app. You are responsible for the accuracy of your own data and for verifying figures against your actual financial records.

4. No Guarantee of Results

Past transaction history, savings rates, budget adherence, and any other historical data shown in the app do not guarantee or predict future financial outcomes. Financial circumstances can change rapidly, and figures displayed in the app reflect only what you have recorded to date.

The "Financial Health Score" and similar summary metrics are simplified indicators based on the data available. They are not a comprehensive assessment of your financial health and should not be interpreted as such.

5. No Investment Advice

Commonwealth Finance Tracker allows you to record investment account balances and calculate gains or losses based on data you enter. This functionality is a record-keeping feature only.

The app does not provide any recommendations to buy, sell, or hold any financial instrument, security, currency, commodity, or other asset. Any investment-related figures shown are based solely on your own manually entered data and are for your personal reference only.

Investments can go up as well as down. Past performance is not indicative of future results. Never invest money you cannot afford to lose.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Commonwealth Finance Tracker and its operators shall not be liable for any loss or damage — whether direct, indirect, incidental, consequential, or otherwise — arising from:

• Reliance on any information, figure, score, or output displayed in the app
• Any financial decision made based on data recorded in, or features of, the app
• Errors or inaccuracies in data entered by the user
• Any interruption, unavailability, or malfunction of the app

This disclaimer does not limit or exclude liability that cannot be excluded under applicable law, including liability for gross negligence or wilful misconduct.

7. Third-Party Links and Services

The app may reference or link to third-party services (such as Stripe for payment processing). We are not responsible for the content, accuracy, or practices of any third-party websites or services. Inclusion of a link or reference does not constitute an endorsement.

8. Contact

If you have questions about this disclaimer, please contact us at CommonwealthFinancialEducation@gmail.com.