No Professional Advice Disclaimer

OctoWealth is not:

• a financial adviser;
• an investment adviser;
• a registered investment adviser;
• a broker-dealer;
• a securities broker;
• a commodities broker;
• a bank;
• a credit union;
• a lender;
• a loan broker;
• a mortgage broker;
• a money transmitter;
• a payment processor;
• a credit repair organization;
• a credit counselor;
• a debt settlement company;
• a debt negotiator;
• a tax adviser;
• an accounting firm;
• a law firm;
• an insurance adviser;
• a fiduciary;
• a financial planner;
• a wealth manager;
• a retirement adviser;
• a legal adviser.

OctoWealth does not act as your fiduciary, agent, attorney, accountant, investment adviser, broker, lender, financial planner, tax preparer, or professional adviser.

No adviser-client, attorney-client, accountant-client, fiduciary, broker-client, lender-borrower, or similar professional relationship is created by your use of OctoWealth.

OctoWealth may provide tools, dashboards, reports, projections, estimates, alerts, summaries, simulations, insights, or calculations related to personal finance.

These may include:

• account dashboards;
• balance summaries;
• transaction views;
• transaction categorization;
• spending reports;
• budget tracking;
• cash-flow summaries;
• bill detection;
• subscription detection;
• net worth calculations;
• debt payoff strategies;
• snowball, avalanche, or cashflow debt comparisons;
• investment tracking;
• investment account views;
• portfolio visibility;
• equity or RSU simulations;
• market reference data;
• currency reference data;
• crypto reference data;
• receipt tracking;
• reports and exports;
• alerts, reminders, and insights.

These tools are provided for informational, organizational, and educational purposes only.

They are not recommendations, advice, instructions, guarantees, or professional opinions.

OctoWealth does not provide financial advice.

Any budgets, cash-flow views, spending summaries, savings estimates, debt strategy comparisons, net worth views, reports, or app-generated insights are informational only.

OctoWealth does not advise you to:

• spend money;
• save money;
• borrow money;
• repay debt in a particular order;
• refinance debt;
• consolidate debt;
• open or close an account;
• use a particular lender;
• use a particular bank;
• use a particular credit card;
• purchase or cancel a subscription;
• follow a particular budget;
• follow a particular financial plan;
• make or avoid any financial decision.

You are solely responsible for your financial decisions.

OctoWealth does not provide investment advice.

OctoWealth does not recommend:

• securities;
• stocks;
• bonds;
• mutual funds;
• ETFs;
• crypto assets;
• commodities;
• options;
• futures;
• private investments;
• retirement accounts;
• asset allocations;
• investment strategies;
• portfolio changes;
• buying, selling, holding, or exchanging any asset.

OctoWealth does not evaluate whether any investment is suitable for you.

OctoWealth does not act as an investment adviser, broker-dealer, securities broker, investment manager, portfolio manager, or fiduciary.

Any investment-related views, holdings displays, investment balances, market data, crypto reference data, portfolio summaries, equity simulations, RSU simulations, return assumptions, or projections are informational only.

Market data, investment data, and crypto data may be delayed, incomplete, inaccurate, unavailable, or unsuitable for decision-making.

You should consult a qualified investment professional before making investment decisions.

OctoWealth does not provide tax advice.

OctoWealth does not advise you on:

• income taxes;
• capital gains taxes;
• payroll taxes;
• self-employment taxes;
• deductions;
• credits;
• tax filing;
• tax withholding;
• tax-loss harvesting;
• retirement account tax treatment;
• investment tax consequences;
• debt cancellation tax consequences;
• homeownership tax consequences;
• business tax matters;
• state, federal, or local tax obligations.

Reports, exports, categories, receipts, transaction records, or summaries generated through OctoWealth may not be accurate, complete, or suitable for tax filing.

You are responsible for verifying all tax-related information with your own records and qualified tax professionals.

You should consult a qualified tax adviser, CPA, enrolled agent, or other appropriate tax professional before making tax decisions or filing tax returns.

OctoWealth does not provide legal advice.

OctoWealth does not advise you on:

• contracts;
• debt obligations;
• credit disputes;
• collections;
• bankruptcy;
• consumer protection claims;
• tax law;
• securities law;
• employment law;
• real estate law;
• family law;
• estate planning;
• business law;
• financial regulation;
• legal rights or remedies.

No attorney-client relationship is created by your use of OctoWealth.

You should consult a qualified attorney for legal advice.

OctoWealth does not provide credit repair, credit counseling, debt settlement, or debt negotiation services.

Debt-related features are informational tools only.

OctoWealth does not:

• repair credit;
• improve credit scores;
• dispute credit report items;
• negotiate with creditors;
• settle debt;
• reduce debt balances;
• contact creditors on your behalf;
• create legally binding debt repayment plans;
• advise whether to default, settle, refinance, consolidate, or prioritize any specific debt;
• guarantee any debt repayment result;
• guarantee any credit score improvement.

Debt payoff tools such as snowball, avalanche, or cashflow comparisons are estimates based on available data and user inputs.

Actual results may differ.

You should consult a qualified financial professional, credit counselor, attorney, lender, or tax professional before making significant debt decisions.

OctoWealth does not provide banking, lending, payment, or money movement services at launch.

OctoWealth does not:

• hold funds;
• custody funds;
• initiate ACH transfers;
• initiate wire transfers;
• initiate card payments;
• initiate bill payments;
• withdraw funds;
• deposit funds;
• move money between accounts;
• issue cards;
• open bank accounts;
• make loans;
• broker loans;
• make credit decisions;
• underwrite credit;
• approve or deny credit;
• provide banking services.

OctoWealth uses Plaid for read-only financial account aggregation at launch.

OctoWealth does not use Plaid to move money or initiate payments at launch.

OctoWealth does not provide brokerage or trading services.

OctoWealth does not:

• execute trades;
• place orders;
• recommend trades;
• custody securities;
• hold brokerage assets;
• route orders;
• provide investment research as a regulated broker-dealer;
• act as a broker-dealer;
• act as an exchange;
• act as a trading platform.

Investment-related information displayed in OctoWealth is for visibility and informational purposes only.

You are responsible for making investment decisions through your own brokerage, adviser, or investment platform.

OctoWealth does not provide insurance advice.

OctoWealth does not recommend, sell, broker, underwrite, or evaluate insurance products, including:

• health insurance;
• life insurance;
• disability insurance;
• auto insurance;
• homeowners insurance;
• renters insurance;
• umbrella insurance;
• business insurance;
• long-term care insurance.

Any expense tracking, budget category, or cash-flow view related to insurance is informational only.

You should consult a qualified insurance professional before making insurance decisions.

OctoWealth does not guarantee that using the app will:

• save you money;
• reduce your debt;
• increase your income;
• improve your credit score;
• increase your net worth;
• improve investment returns;
• reduce taxes;
• reduce expenses;
• prevent overdrafts;
• prevent late fees;
• identify all subscriptions;
• identify all bills;
• identify all savings opportunities;
• improve your financial habits;
• produce any particular financial result.

Any outcomes depend on your own decisions, behavior, financial institutions, market conditions, income, expenses, debts, taxes, accounts, subscriptions, and other circumstances outside OctoWealth’s control.

OctoWealth relies on information from:

• you;
• Plaid;
• connected financial institutions;
• banks;
• credit unions;
• card issuers;
• lenders;
• brokerages;
• market data providers;
• currency data providers;
• crypto data providers;
• payment providers;
• app stores;
• service providers;
• app-generated calculations.

This information may be delayed, incomplete, inaccurate, duplicated, unavailable, miscategorized, or outdated.

For example:

• account balances may not be current;
• pending transactions may change;
• posted transactions may be delayed;
• transactions may be duplicated or missing;
• categories may be incorrect;
• subscription detection may be wrong;
• bill detection may be incomplete;
• market prices may be delayed;
• currency exchange rates may be inaccurate;
• investment holdings may not be current;
• liability information may be incomplete;
• user-entered assumptions may be incorrect;
• calculations may contain errors;
• reports may omit relevant information.

You should verify important information directly with your financial institution, lender, brokerage, tax adviser, accountant, attorney, investment adviser, or other qualified professional.

OctoWealth may provide simulations, projections, estimates, or “what-if” tools.

These may include:

• debt payoff estimates;
• budget projections;
• cash-flow forecasts;
• net worth projections;
• investment visibility;
• equity or RSU simulations;
• savings estimates;
• subscription savings estimates;
• spending trends;
• recurring payment estimates.

These outputs are hypothetical and based on assumptions, available data, user inputs, historical activity, and calculation logic.

They are not predictions, guarantees, advice, or recommendations.

Actual outcomes may differ materially.

You should not rely on simulations or projections as the sole basis for financial, legal, tax, investment, credit, lending, or debt decisions.

OctoWealth may provide alerts, reminders, notifications, or messages related to budgets, transactions, subscriptions, bills, account activity, security, or app features.

Alerts and reminders may be delayed, inaccurate, unavailable, or not delivered.

OctoWealth does not guarantee that it will detect every bill, subscription, renewal, due date, unusual charge, overdraft risk, fee, payment, or financial event.

You remain responsible for monitoring your accounts, bills, subscriptions, debts, payments, taxes, investments, and financial obligations directly.

OctoWealth may allow users to generate reports or export data.

Reports and exports are provided for personal informational use only.

They may not be suitable for:

• tax filing;
• accounting records;
• legal proceedings;
• loan applications;
• mortgage underwriting;
• credit applications;
• investment reporting;
• regulatory filings;
• audit evidence;
• business bookkeeping;
• financial statements.

You are responsible for reviewing, correcting, verifying, storing, and protecting any reports or exports.

You are solely responsible for:

• your financial decisions;
• your tax decisions;
• your legal decisions;
• your investment decisions;
• your credit decisions;
• your debt decisions;
• your budgeting decisions;
• your account management;
• your use of app-generated insights;
• your reliance on reports, exports, projections, or calculations;
• your review of financial data for accuracy;
• your direct relationship with your financial institutions;
• your consultation with qualified professionals.

Do not make important decisions based solely on OctoWealth.

Before making decisions involving investments, taxes, debt, credit, lending, real estate, retirement, insurance, legal matters, business matters, or other significant financial matters, you should consult qualified professionals.

Depending on the issue, this may include:

• a certified public accountant;
• an enrolled agent;
• a tax attorney;
• a financial adviser;
• a registered investment adviser;
• an attorney;
• a credit counselor;
• a lender;
• a mortgage professional;
• an insurance professional;
• a retirement professional;
• another qualified adviser.

OctoWealth is not a substitute for professional advice.

This Disclaimer supplements OctoWealth’s Terms of Service, Privacy Policy, EULA, Subscription Terms, and other applicable disclosures.

If there is a conflict between this Disclaimer and the Terms of Service regarding legal rights, limitations, disclaimers, dispute resolution, arbitration, class action waiver, or governing law, the Terms of Service controls.

Nothing in this Disclaimer limits any consumer rights that cannot be waived under applicable law.

OctoWealth may update this Disclaimer from time to time.

If we make material changes, we may provide notice by email, in-app notice, app update notice, posting an updated Disclaimer, or another reasonable method.

The updated Disclaimer will become effective when posted or as otherwise stated in the notice.

Your continued use of OctoWealth after the updated Disclaimer becomes effective means you acknowledge the updated Disclaimer.

If you have questions about this Disclaimer, contact us at:

OctoPath LLC d/b/a OctoWealth Email: support@octowealthapp.com Website: https://octowealthapp.com

The following shorter version may be used in the app near dashboards, debt tools, investment views, reports, simulators, and financial insights:

OctoWealth provides informational personal finance tools only. OctoWealth is not a financial adviser, investment adviser, broker-dealer, lender, bank, credit counselor, debt settlement company, tax adviser, legal adviser, accountant, or fiduciary. OctoWealth does not provide financial, investment, tax, legal, credit, lending, debt settlement, or professional advice. App-generated budgets, reports, projections, categories, debt strategies, investment views, alerts, and insights may be delayed, incomplete, inaccurate, or unsuitable for decision-making. You are responsible for your own financial decisions and should consult qualified professionals before making important financial, investment, tax, legal, credit, lending, or debt decisions.

For compact screens, use:

OctoWealth provides informational tools only and does not provide financial, investment, tax, legal, credit, lending, or professional advice. Verify important information and consult qualified professionals before making decisions.