Legal Disclosures

1. General Disclaimer

The information and tools provided by TrellisCharts (“TrellisCharts,” “we,” “us,” or “our”) are for educational and informational purposes only. The financial calculators, projections, and analysis tools available on our platform are based on mathematical models and assumptions that may not reflect actual market conditions or individual circumstances.

TrellisCharts is not a licensed financial advisor, investment advisor, or financial planning firm.The tools and information provided should not be considered as personalized financial advice, investment recommendations, or a substitute for professional financial planning services.

2. No Guarantee of Accuracy

While we strive to provide accurate and reliable financial tools, we make no representations or warranties regarding the completeness, accuracy, or reliability of any information, calculations, or projections provided through our platform. The materials are based on sources believed to be reliable, but we cannot guarantee their accuracy or completeness.

Financial projections and calculations are estimates based on the information you provide and various assumptions about future market performance, interest rates, inflation, and other economic factors.Actual results may vary significantly from projections.

3. Investment and Market Risk Disclaimer

Past performance is not indicative of future results. All investments carry risk, including the potential loss of principal. Market values can fluctuate significantly, and there is no assurance that any investment strategy will be successful or that investment objectives will be achieved.

Important Risk Considerations

• Market volatility can significantly impact investment returns
• Economic conditions and government policies can affect financial markets
• Inflation can erode purchasing power over time
• Interest rate changes can affect bond values and savings returns
• Tax laws and regulations may change, affecting your financial situation
• Personal circumstances can change unexpectedly

4. Limitation of Liability

To the fullest extent permitted by law, TrellisCharts and its officers, directors, employees, affiliates, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or relating to:

• Your use of or reliance on our tools, calculations, or information
• Any investment decisions made based on information from our platform
• Any financial losses or missed opportunities
• Technical issues, errors, or interruptions in service
• Any third-party content or services accessible through our platform

You acknowledge that you use our services at your own risk and that any financial decisions should be made in consultation with qualified financial professionals.

5. Data Sources and Methodology

Our financial tools and calculators use data and information from various sources, which may include:

• Government economic data and statistics
• Publicly available financial market information
• Historical market performance data
• Current tax rates and regulations
• Industry-standard financial planning assumptions

Canadian Tax Information

Tax calculations are based on current Canadian federal and provincial tax rates and regulations. Tax laws are complex and subject to change. The tax calculations provided are estimates only and should not be relied upon for actual tax planning or filing purposes.

Market Data and Projections

Historical market data is used to model potential future scenarios. These projections are hypothetical and do not represent any specific investment product. Actual investment performance will differ from these projections.

6. Professional Advice Recommendation

We strongly recommend that you consult with qualified professionals before making any financial decisions:

• Financial Advisors: For comprehensive financial planning and investment advice
• Tax Professionals: For tax planning and compliance matters
• Legal Counsel: For estate planning and legal matters
• Insurance Agents: For insurance and risk management needs

Professional advisors can provide personalized guidance based on your specific circumstances, risk tolerance, and financial objectives.

7. Forward-Looking Statements

Our platform may contain forward-looking statements and projections that involve known and unknown risks, uncertainties, and other factors that may cause actual results to differ materially from any future results expressed or implied by such forward-looking statements.

Words such as “may,” “will,” “should,” “expect,” “anticipate,” “estimate,” “believe,” and similar expressions are intended to identify forward-looking statements. These statements are based on current expectations and assumptions and are subject to significant risks and uncertainties.

8. Copyright and Intellectual Property

All content, tools, calculators, and materials available on TrellisCharts are protected by copyright and other intellectual property laws. The content is owned by TrellisCharts or its licensors and is provided for your personal, non-commercial use only.

Permitted Use

• Personal financial planning and analysis
• Educational purposes
• Generating reports for your own use

Prohibited Use

• Commercial redistribution or resale
• Reverse engineering or copying our tools
• Unauthorized modification or derivative works
• Removal of copyright or proprietary notices

9. User Responsibilities

By using TrellisCharts, you acknowledge and agree that:

• You will provide accurate information to the best of your knowledge
• You understand the limitations and assumptions of our tools
• You will not rely solely on our tools for financial decision-making
• You will seek professional advice when appropriate
• You will independently verify any information before acting upon it
• You will use our services in compliance with applicable laws and regulations

10. Third-Party Services and Links

Our platform may contain links to third-party websites, services, or resources. These links are provided for convenience only and do not constitute an endorsement by TrellisCharts. We are not responsible for the content, privacy practices, or terms of service of any third-party sites or services.

Any interaction with third-party services is at your own risk and subject to their respective terms and conditions.

11. Regulatory Compliance

TrellisCharts operates as a technology platform providing financial calculation tools and educational resources. We are not registered as:

• Investment advisors or portfolio managers
• Insurance brokers or agents
• Tax preparers or accountants
• Financial planners or wealth managers

We comply with applicable privacy and data protection laws but do not provide regulated financial services.

12. Updates and Changes

We reserve the right to update, modify, or discontinue any aspect of our services at any time without prior notice. This includes changes to our tools, calculations, methodologies, and these disclosures.

Material changes to these disclosures will be posted on our website with an updated effective date. Your continued use of our services after such changes constitutes acceptance of the updated terms.

13. Contact Information

If you have questions about these disclosures or need clarification about any aspect of our services, please contact us:

Legal Department

Email: legal@trellischarts.com

For technical support or general inquiries, please visit our support page or contact our customer service team.

14. Acknowledgment

By using TrellisCharts, you acknowledge that you have read, understood, and agree to be bound by these disclosures and disclaimers. You further acknowledge that you understand the limitations of our tools and the importance of seeking professional financial advice for your specific circumstances.