Financial Disclosures
Effective September 27, 2026 · Version 2026-09-27
Understand the limits of the records, prices, calculations, and simulations before using them to inform a financial decision.
Records Are Not Brokerage Instructions
The app records information you enter and runs simulations. It does not hold funds, execute real orders, or guarantee reconciliation with your broker. Cash transfers, purchases, sales, allocations, and contribution entries within the app do not transfer money or securities. Verify actual transactions with your broker.
Prices and Historical Data
Prices can be delayed, stale, missing, or incorrect. A displayed observation time is not a guarantee that a price is executable. Historical prices and corporate-action treatment may differ from brokerage records. Provider access and licensing may limit availability. Do not replace actual execution records with a quoted or modeled price.
Calculations and Assumptions
Performance, normalized growth rates, drawdowns, risk measures, allocation drift, budget summaries, and cash reminders depend on the records and assumptions available. Sparse observations, missing sessions, cash-flow timing, fees, taxes, and manual errors affect results. Labeled assumptions such as a risk-free rate are modeling inputs, not forecasts. Financial Action Center suggestions and allocation calculations are informational prompts based on entered data, not individualized recommendations to buy or sell a security.
Hypothetical Results
Backtests, calculators, and competition balances are hypothetical. They may not reflect liquidity, slippage, all fees and taxes, historical availability of information, or the ability to execute trades in real time. Historical Backtest uses the provider's split-adjusted bars and does not reconstruct every corporate-action quantity event. A separately labeled current mark is not an original historical execution. Past or simulated performance does not guarantee future results; investments can lose value.
Your Decisions
Consider your circumstances and obtain qualified advice when needed. The service does not determine suitability, promise returns, provide tax filings, or replace professional judgment. Report errors to personal.finance.dashboard@gmail.com and keep authoritative records independently.