Disclaimer

Not Financial Advice

Clarity Ledger™ provides tools for tracking and analyzing your financial data. We do not provide financial, investment, tax, or legal advice. All calculations, projections, and reports generated by the platform are for informational purposes only and should not be relied upon as the sole basis for financial decisions.

Not a Bank or Financial Institution

Clarity Ledger™ is not a bank, credit union, or licensed financial institution. We do not hold, transfer, or manage your money. We do not provide banking services, investment management, or fiduciary services. We are a software platform for organizing and visualizing your financial information.

Sovereignty Score & Projections

The Sovereignty Score, 12-Month Runway, and other financial projections are calculated based on the data you provide. These calculations are estimates and do not account for unforeseen circumstances, market volatility, or changes in your financial situation. Actual results may vary significantly from projections.

Tax Reporting

While Clarity Ledger™ provides tax-ready ledgers and expense categorization, we are not tax professionals. The tax reports generated by the platform are intended to assist you and your CPA in preparing tax filings, but they should not be submitted directly to tax authorities without professional review. Consult with a licensed CPA or tax advisor before filing any tax returns.

Succession Planning

The Succession Vault feature is designed to store and organize estate planning documents. Clarity Ledger™ does not provide legal advice regarding wills, trusts, or estate planning. You should consult with a licensed attorney to ensure your succession plan is legally valid and properly executed according to your state's laws.

Accuracy of Information

The accuracy of all calculations and reports depends on the accuracy of the data you enter. Clarity Ledger™ cannot verify the accuracy of your financial information. You are responsible for ensuring all income, expenses, debts, and account balances are entered correctly.

No Guarantees

We make no guarantees regarding financial outcomes, debt-free dates, or wealth accumulation. Past performance and projections do not guarantee future results. Your financial success depends on many factors beyond the scope of this platform.

Professional Consultation Required

Before making any significant financial decisions, you should consult with:

• A licensed financial advisor for investment and wealth management decisions
• A certified public accountant (CPA) for tax planning and filing
• An attorney for estate planning, business formation, and legal matters
• A licensed insurance professional for risk management and coverage needs

Limitation of Liability

SMB Strategy & Operational Services LLC and Clarity Ledger™ are not liable for any financial losses, tax penalties, legal issues, or business decisions made based on information provided by the platform. You assume all risk when using our services and making financial decisions based on platform data.

Platform Availability

While we strive for 99.9% uptime, we cannot guarantee uninterrupted access to the platform. Technical issues, maintenance, or unforeseen circumstances may temporarily prevent access to your financial data. We recommend maintaining offline backups of critical financial information.

Third-Party Services

Clarity Ledger™ integrates with third-party services (Stripe for payments, Manus OAuth for authentication). We are not responsible for the performance, security, or availability of these third-party services. Their use is subject to their own terms and conditions.