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Financial & Educational Use Disclaimer

CHARTFI FINANCIAL & EDUCATIONAL USE DISCLAIMER

Effective Date: September 1, 2026

1. Purpose of this Disclaimer

This Financial & Educational Use Disclaimer ("Financial Disclaimer" or "Disclaimer") explains the intended purpose and limitations of the ChartFI Services.

Please read this Disclaimer carefully before relying on any information generated by ChartFI.

By accessing or using the Services, you acknowledge that you have read and understood this Disclaimer.

This Disclaimer supplements, but does not replace, our:

  • Terms of Service;
  • Privacy Policy; and
  • AI Use & Transparency Policy.

This Disclaimer should be read together with the disclaimers, warranty disclaimers, and limitation-of-liability provisions in the Terms of Service. In the event of any conflict, the Terms of Service govern unless otherwise required by applicable law.

Capitalized terms used but not defined in this Disclaimer have the meanings given to them in the Terms of Service.

2. Educational Software

ChartFI is software designed to assist users with:

  • retirement planning;
  • tax planning;
  • financial scenario analysis;
  • long-term financial modeling; and
  • educational financial projections.

ChartFI is an educational planning tool.

It is intended to help users better understand the potential effects of different financial assumptions.

The Services are not intended to replace professional judgment.

3. Not Financial Advice

ChartFI does not provide financial advice.

Nothing within the Services constitutes:

  • financial advice;
  • investment advice;
  • wealth management services;
  • portfolio management;
  • retirement advice;
  • fiduciary advice; or
  • securities recommendations.

ChartFI does not recommend:

  • buying, selling, or holding securities;
  • reallocating portfolios;
  • selecting investment products;
  • choosing specific mutual funds, ETFs, stocks, bonds, or cryptocurrencies; or
  • choosing insurance products.

Nothing within the Services constitutes an offer, solicitation, or recommendation to buy, sell, or hold any security or other financial product, or to adopt any investment or financial strategy.

All financial decisions remain solely your responsibility.

4. Not Tax Advice

ChartFI includes tools that estimate taxes under user-selected assumptions.

These estimates are provided solely for educational planning purposes.

ChartFI does not:

  • prepare tax returns;
  • provide tax advice;
  • interpret IRS regulations for your specific circumstances; or
  • represent taxpayers before taxing authorities.

Tax laws, IRS guidance, and state and local tax laws change frequently.

Actual tax liabilities may differ substantially from estimates produced by the Services.

Always consult a qualified tax professional regarding your specific tax situation.

5. Not Legal Advice

Nothing contained within the Services constitutes legal advice.

ChartFI does not provide:

  • legal opinions;
  • legal representation;
  • estate planning;
  • trust planning;
  • business formation advice; or
  • contract advice.

If legal advice is needed, consult a licensed attorney.

6. Not Accounting Services

ChartFI is not an accounting firm.

The Services do not constitute:

  • bookkeeping services;
  • accounting services;
  • auditing services;
  • financial statement preparation; or
  • CPA services.

Any accounting-related calculations generated by the Services are informational only.

7. No Fiduciary Relationship

Use of ChartFI does not create:

  • a fiduciary relationship;
  • an investment adviser-client relationship;
  • a Certified Financial Planner™ professional relationship;
  • a Certified Public Accountant relationship;
  • an attorney-client relationship; or
  • a broker-customer relationship.

Good Trajectory LLC has no fiduciary duty arising solely from your use of the Services.

8. User Responsibility

You remain solely responsible for:

  • information entered into ChartFI;
  • assumptions selected;
  • financial, investment, tax, retirement, and legal decisions made.

You should independently evaluate any information generated by the Services before acting upon it.

Whenever appropriate, consult qualified professionals familiar with your individual circumstances.

9. Accuracy of User Information

ChartFI performs calculations using information supplied by you.

If user-entered information is inaccurate, incomplete, outdated, misleading, or inconsistent, the resulting calculations, charts, reports, and projections may also be inaccurate.

The Company is not responsible for errors resulting from inaccurate user-provided information.

10. Projection Limitations

Retirement planning necessarily involves assumptions regarding future events. Those assumptions may include investment returns, inflation, salary growth, retirement age, tax rates, Social Security benefits, Required Minimum Distribution rules, Medicare costs, longevity, and withdrawal strategies.

Future events cannot be predicted with certainty.

Accordingly, all projections generated by ChartFI are hypothetical illustrations only.

Where the Services present probabilistic outputs — such as Monte Carlo simulations, probabilities of success, confidence levels, or similar figures — those outputs are statistical estimates based upon the assumptions used, not predictions or guarantees of any particular result.

Projected outcomes are not guarantees. Actual financial outcomes may differ materially.

11. Changes in Law and Regulatory Risk

Retirement and tax planning are affected by laws and regulations that change over time.

Financial planning assumptions and projections may become outdated because of changes in, among other things:

  • federal and state law and legislation;
  • IRS guidance and Treasury regulations;
  • retirement account rules and contribution limits;
  • tax brackets and inflation adjustments;
  • Required Minimum Distribution rules;
  • Social Security rules and benefits;
  • Medicare rules and premiums; and
  • judicial decisions and administrative interpretations.

Because these changes cannot be predicted with certainty, ChartFI makes no representation that projections will remain accurate after changes in applicable law, and future results may differ materially from projections generated by the Services.

Users remain responsible for monitoring changes in applicable law.

12. Investment Risk

Investing involves risk.

The value of investments may increase or decrease over time.

Past performance is not indicative of future results.

Investment returns assumed within ChartFI are hypothetical planning assumptions selected by you or used by the software for illustrative purposes.

ChartFI does not predict future market performance.

No projection generated by the Services should be interpreted as a guarantee of investment performance or future account values.

13. AI Explanation Disclaimer

Certain features of ChartFI use artificial intelligence ("AI") to help explain calculations, summarize planning scenarios, answer questions about application functionality, and improve the user experience.

ChartFI's retirement calculations, tax estimates, and financial projections are generated by deterministic software algorithms—not by artificial intelligence.

AI is used solely to help explain or summarize the results produced by the software.

Although we implement safeguards designed to improve the quality of AI-generated responses, AI remains an evolving technology. AI responses may contain factual inaccuracies, misunderstand user questions, omit relevant information, contain outdated information, oversimplify complex topics, or incorrectly summarize calculations.

If an AI explanation appears inconsistent with a calculation displayed elsewhere in the Services, the calculation produced by the underlying software should be considered authoritative.

AI-generated content should not be relied upon as professional advice. Your use of AI features is also governed by our AI Use & Transparency Policy.

14. Third-Party Information and Services

The Services may rely upon independent third-party providers for functionality including payment processing, cloud hosting, authentication, database infrastructure, email delivery, artificial intelligence, and application monitoring.

ChartFI is not responsible for interruptions, inaccuracies, delays, or failures caused by third-party providers.

Links to third-party websites or services are provided solely for convenience. The inclusion of a third-party link does not constitute an endorsement of that party or its products or services.

15. Service Availability

ChartFI is provided on an "as available" basis.

From time to time, the Services may be unavailable due to scheduled or emergency maintenance, software updates, infrastructure failures, internet outages, security incidents, or events beyond our reasonable control.

We do not guarantee uninterrupted availability of the Services.

16. No Guarantee of Results

Good Trajectory LLC makes no representation or warranty that use of the Services will:

  • improve investment performance;
  • reduce taxes;
  • increase retirement savings;
  • improve retirement readiness;
  • prevent financial loss;
  • identify every planning opportunity; or
  • produce any particular financial outcome.

Every individual's financial circumstances are unique.

Future financial outcomes depend upon numerous factors outside the Company's control.

17. Limitation on Reliance

You should not rely exclusively upon information generated by ChartFI when making significant financial decisions.

Before making decisions involving substantial financial consequences—including retirement timing, investment allocation, tax planning, Roth conversions, withdrawals, estate planning, or other major financial matters—you should consider consulting qualified professionals familiar with your personal circumstances.

ChartFI is intended to supplement—not replace—professional judgment.

18. Intended Use

ChartFI is designed exclusively for:

  • educational purposes;
  • personal financial planning;
  • retirement modeling;
  • tax planning analysis; and
  • understanding hypothetical scenarios.

Unless expressly authorized by Good Trajectory LLC in writing, the Services are not intended for:

  • providing professional financial planning services to clients;
  • preparing regulated financial advice;
  • managing investment portfolios on behalf of others;
  • providing fiduciary services; or
  • producing regulated financial reports.

19. Geographic Scope

ChartFI is designed around United States retirement and tax laws and is offered only to residents of the United States. The Services are not directed to individuals located outside the United States.

The Services do not reflect non-U.S. retirement systems, non-U.S. tax laws, international investment regulations, foreign pension systems, or foreign social insurance programs.

If you access the Services from outside the United States, you do so on your own initiative and are responsible for determining whether the Services are appropriate for your circumstances.

20. Updates to this Disclaimer

We may update this Disclaimer from time to time to reflect changes in the Services, changes in applicable law, improvements to our software, additional AI functionality, or operational changes.

Material revisions will become effective upon publication or as otherwise communicated.

The "Effective Date" at the beginning of this document indicates the current version.

21. Contact Information

Questions regarding this Disclaimer may be directed to:

Good Trajectory LLC

Mailing Address: 533 E Girard Ave STE 76861, Philadelphia, PA 19125

Phone: 445-294-3517

Email: legal@chartfi.com

Website: https://chartfi.com

If we designate an updated legal contact address in the future, that information will replace the information listed above.

22. Acknowledgement

By accessing or using ChartFI, you acknowledge that:

  • you have read this Disclaimer;
  • you understand the limitations of the Services;
  • you understand that ChartFI provides educational financial planning software;
  • you understand that ChartFI does not provide financial, investment, tax, legal, or accounting advice;
  • you understand that all projections are hypothetical estimates based upon assumptions and user-provided information; and
  • you remain solely responsible for your financial decisions.