Financial Disclaimer

Effective Date: July 1, 2025

Last Updated: July 1, 2025

⚠️ IMPORTANT NOTICE

The information and calculators provided on FreshyPortal are for educational and informational purposes only. They do not constitute financial, investment, tax, or legal advice.

1. Not Financial Advice

The content, tools, and calculators available on FreshyPortal.site are designed to provide general information and educational resources about financial planning concepts. This information should not be considered as personalized financial advice, investment recommendations, or professional guidance.

2. Educational Purpose Only

All financial calculators, articles, and resources on this website are intended solely for:

• Educational purposes
• General information
• Illustrative demonstrations of financial concepts
• Self-directed learning about financial planning

3. No Professional Relationship

Using our website, calculators, or resources does not create any professional relationship, including but not limited to:

• Financial advisor-client relationship
• Investment advisor relationship
• Tax advisor relationship
• Legal counsel relationship
• Fiduciary relationship

4. Accuracy and Limitations

While we strive to provide accurate and up-to-date information:

• All calculations are based on mathematical formulas and assumptions that may not reflect real-world conditions
• Results are estimates only and should not be relied upon for making financial decisions
• We do not guarantee the accuracy, completeness, or timeliness of any information
• Tax laws, regulations, and financial rules vary by jurisdiction and change frequently
• Individual circumstances can significantly affect financial outcomes

5. Investment Risks

Important Investment Disclaimers:

• Past performance does not guarantee future results
• All investments carry risk, including potential loss of principal
• Projected returns are hypothetical and not guaranteed
• Market volatility can significantly impact investment outcomes
• Diversification strategies do not ensure profit or protect against loss

6. Tax Disclaimer

Tax-related calculators and information:

• Are based on current tax laws which are subject to change
• May not account for all deductions, credits, or special circumstances
• Should not be used as a substitute for professional tax advice
• May not reflect state, local, or international tax obligations
• Do not constitute tax preparation or filing services

7. No Guarantee of Results

FreshyPortal does not guarantee:

• Any specific financial outcomes or results
• Achievement of financial independence or retirement goals
• Investment returns or performance
• Tax savings or benefits
• Accuracy of future projections or estimates

8. User Responsibility

By using our website and tools, you acknowledge that:

• You are solely responsible for your financial decisions
• You should consult qualified professionals before making financial decisions
• You understand the limitations and educational nature of our content
• You will not hold FreshyPortal liable for any financial losses or damages
• You will verify all information independently before acting upon it

9. Professional Consultation Recommended

We strongly recommend consulting with qualified professionals:

• Certified Financial Planners (CFP) for comprehensive financial planning
• Registered Investment Advisors (RIA) for investment guidance
• Certified Public Accountants (CPA) for tax matters
• Licensed attorneys for legal and estate planning matters
• Insurance professionals for insurance needs

10. Third-Party Content

Our website may contain:

• Links to third-party websites or resources
• References to third-party products or services
• Advertisements from third parties

We are not responsible for third-party content and do not endorse any third-party products, services, or advice.

11. Limitation of Liability

To the fullest extent permitted by law:

• FreshyPortal shall not be liable for any direct, indirect, incidental, consequential, or punitive damages
• We are not responsible for any financial losses resulting from use of our website or tools
• Our liability is limited even if we have been advised of the possibility of damages
• You use our website and tools at your own risk

12. Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website constitutes acceptance of any modifications.

13. Contact Information

If you have questions about this disclaimer or need clarification about the limitations of our services, please contact us:

• Email: freshyportal@gmail.com
• Contact Form: Contact Page