Legal Disclaimers

Effective Date: September 9, 2025
Last Updated: April 8, 2026

1. Financial & Investment Disclaimer
Plucky Money LLC ("Plucky Money," "we," "us," or "our") is not a licensed financial advisor, Certified Financial Planner (CFP), broker, investment advisor, accountant, or attorney. All content, tools, guides, courses, calculators, and services provided on our website and through our applications are for educational and informational purposes only — not professional financial, legal, tax, or investment advice.

We do not:

• Provide investment advice under the Investment Advisers Act of 1940
• Offer personalized financial recommendations tailored to your specific situation
• Provide legal or tax planning services
• Guarantee financial results, savings, or investment returns
• Advise on stock picking, trading strategies, or market forecasting
• Provide debt consolidation, bankruptcy, or credit counseling services

Your obligations:
You are solely responsible for evaluating the suitability of any information or tools before acting on them. Always consult with a qualified financial advisor, tax professional, or attorney before making any financial, investment, tax, or legal decisions. Your situation is unique, and what works for others may not work for you.

2. Bill Audit Tool Disclaimer
The Bill Audit Tool is designed to identify potential savings by analyzing your bills and subscriptions. However:

• We make no guarantee that the identified savings will be realized
• Our tool does not contact vendors on your behalf or guarantee successful bill reductions
• Actual savings depend on your negotiation skills, vendor policies, and individual circumstances
• Vendor contact information and negotiation strategies are suggestions only
• Results vary significantly based on your location, service provider, current plan, and negotiating ability
• We are not responsible for any disputes, service interruptions, or complications resulting from actions you take based on the tool's recommendation

You are responsible for:

• Verifying all recommended actions before implementation
• Negotiating directly with vendors
• Understanding the terms of any service changes
• Monitoring your accounts for billing accuracy

3. Budget App & Financial Planning Tools Disclaimer

Any budget calculations, savings projections, or financial forecasts provided by our Budget App are estimates based on data you provide.

These projections:

• Are not guarantees of future financial outcomess
• Assume your circumstances remain consistent (income, expenses, savings rate)
• Do not account for unexpected life events (job loss, medical emergencies, major purchases)
• Are only as accurate as the information you input
• Should be reviewed and updated regularly

You are responsible for:

• Ensuring all data entered into the app is accurate
• Regularly updating your financial information
• Making your own financial decisions based on your complete circumstances
• Consulting professionals for complex financial situations

4. Educational Content Disclaimer

All guides, courses, video tutorials, blog posts, case studies, email lessons, and other educational content are:

• For educational purposes only and not professional advice
• Based on general principles that may not apply to your specific situation
• Subject to change and may become outdated
• Not guaranteed to produce the results shown in examples or case studies
• Provided "as is" without warranty of accuracy or completeness

Case Studies & Examples:
Any student stories, income figures, savings results, or real-world examples are illustrative only and not typical. Your results will vary based on your:

• Starting financial position
• Income level and stability
• Spending habits and discipline
• Local economic conditions
• Individual circumstances and effort

There is no guarantee you will replicate any results shown in examples or case studies.

5. Third-Party & Affiliate Disclaimer

Third-Party Content:
We may link to external websites, tools, products, and services. We are not responsible for:

• The accuracy, completeness, or legality of third-party content
• Third-party website security, privacy practices, or policies
• Any damages or losses resulting from your use of third-party sites
• Changes to third-party sites or removal of content

Affiliate Links:
Some links on our website are affiliate links, which means we may earn a commission if you purchase through them at no additional cost to you. We only recommend products and services we believe provide value, but you should:

We may link to external websites, tools, products, and services. We are not responsible for:

• Verify any product or service before purchasing
• Read third-party terms and privacy policies
• Understand that our affiliate relationship may bias our recommendations
• Do your own research and due diligence

6. No Professional Relationship
Using our website, tools, or services does not create:

• A financial advisor-client relationship
• An attorney-client relationship
• An accountant-client relationship
• A physician-patient relationship
• Any other professional relationship

We have no fiduciary duty to you. You are not entitled to personalized advice or recommendations based on your individual circumstances.

7. Limitation of Liability & Assumption of Risk
Use of our website and services is at your own risk.

To the maximum extent permitted by law, Plucky Money LLC is not liable for:

• Any direct, indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunity
• Personal injury or property damage
• Errors or omissions in content, tools, or calculations
• Unauthorized access to or use of your data
• Any third-party claims or actions
• Service interruptions or technical failures
• Results (or lack thereof) from using our content, tools, or services

This limitation applies even if we have been advised of the possibility of such damages.

8. No Guarantee of Results
We make no warranties or guarantees regarding:

• Financial results or outcomes
• Savings amounts or timelines
• Investment returns or market performance
• Career advancement or income increases
• Debt reduction or elimination
• Credit score improvements
• Business success or growth

Your results depend entirely on your own actions, circumstances, effort, discipline, market conditions, and factors beyond our control.

9. Changes to Content & Services
We reserve the right to:

• Modify, suspend, or discontinue our services at any time
• Change pricing without notice (except as required by law for existing subscriptions)
• Update, revise, or remove content at any time
• Disable features or functionality

We are not liable for any loss, disruption, or damage resulting from these changes.

10. Indemnification
You agree to indemnify, defend, and hold harmless Plucky Money LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including attorney fees) arising from:

• Your use of our website or services
• Your violation of these disclaimers or our Terms & Privacy Policy
• Your misuse of our content or tools
• Your actions based on our educational content
• Any third-party claims related to your use of our services

11. Severability
If any portion of these disclaimers is found to be unenforceable, the remaining provisions remain in effect. We may modify these disclaimers at any time, and continued use of our website constitutes acceptance of changes.

12. Acknowledgment
By using Plucky Money's website, tools, and services, you acknowledge that you:

• Have read and understand these disclaimers
• Accept all risks associated with using our content and services
• Will not hold Plucky Money liable for any outcomes or results
• Understand that our content is educational only
• Will consult qualified professionals before making financial decisions
• Are using our services in compliance with all applicable laws