Disclaimer

1. Core Service Boundary

FSI is a financial wellness and resilience analytics product. It is designed to help users organize financial information, review liquidity and debt pressure, understand resilience indicators, and explore scenario-based planning.

FSI is not a bank, lender, insurer, broker, investment adviser, tax preparer, accountant, law firm, debt counselor, consumer reporting agency, emergency response service, or regulated underwriting platform.

2. No Advice

Nothing in the platform, on the website, in any report, or in any score explanation constitutes financial advice, investment advice, tax advice, legal advice, insurance advice, accounting advice, debt advice, or a recommendation to enter into a specific product or transaction.

Outputs are educational and informational only. They are intended to support user understanding, not to replace a qualified human professional who can review the full context of your circumstances and local law.

3. No Underwriting, Eligibility, Or Consumer Reporting Use

FSI is not intended to determine creditworthiness, insurability, fraud status, employability, tenant suitability, benefit eligibility, immigration outcomes, or any other legal or similarly significant decision. It is not offered as a consumer report or credit bureau product.

Users must not use FSI as the sole or primary basis for a high-impact decision affecting another person.

4. User-Supplied Input Limits

The quality of any score, narrative, trend, scenario, export, or planning output depends on the quality of the information submitted. Incorrect, stale, estimated, or incomplete inputs can materially change or invalidate outputs.

FSI does not independently verify every figure you submit and does not guarantee that entered values reflect real obligations, tax treatment, interest structures, liquidity constraints, or legal rights.

5. Model And Methodology Limits

Financial resilience models simplify reality. They rely on assumptions, thresholds, rules, and heuristics that may not capture all relevant factors such as local tax rules, hidden liabilities, asset liquidity friction, health costs, litigation risk, family obligations, market shocks, or jurisdiction-specific protections.

Benchmarks, ranges, stress tests, and recommendations are directional tools. They are not guarantees, audits, valuations, forecasts, or statements that a user is safe, unsafe, compliant, solvent, or investment-ready.

6. No Guarantee Of Outcomes

MYN Labs does not guarantee accuracy, completeness, uninterrupted availability, fitness for a particular purpose, merchantability, non-infringement, or any financial, tax, debt, savings, or investment outcome from use of the service.

Economic conditions, interest rates, inflation, employment risk, legal changes, and personal behavior can shift outcomes rapidly and materially.

7. Not A Crisis Or Emergency Service

FSI is not designed for emergency intervention, insolvency triage, foreclosure response, tax enforcement response, fraud reporting, legal crisis management, or urgent consumer protection deadlines. It should not be relied on as the sole basis for immediate or high-stakes action.

8. Independent Review Still Required

You remain responsible for exercising judgment and for obtaining appropriate professional advice before making material decisions involving investments, debt restructuring, taxes, retirement planning, insurance, legal claims, business financing, or other significant commitments.

9. Jurisdictional Variation

Laws, consumer rights, tax treatment, retirement systems, insolvency rules, licensing standards, privacy obligations, and financial product structures vary across jurisdictions. A result that is directionally useful in one market may not map cleanly to another market without local review.

10. Third-Party Dependencies

The service may rely on third-party hosting, infrastructure, communications, analytics, security, and support tools. Interruptions, errors, or policy changes affecting those providers can affect FSI without MYN Labs controlling every aspect of the third-party environment.

11. Reports, Exports, And Sharing

If you export, download, print, or share a report, the context can be lost or misunderstood by recipients. A shared export may omit assumptions, stale data warnings, or changes that occurred after the export was generated.

You are responsible for how exported material is used, to whom it is sent, and whether that use is lawful and appropriate.

12. No Fiduciary Or Custodial Relationship

Use of the service does not create a fiduciary, agency, custody, advisory, brokerage, trustee, or professional services relationship. MYN Labs does not take possession of your money, execute transactions for you, or monitor your legal obligations on your behalf.

13. Forward-Looking Scenario Limits

Simulations and forecasts are hypothetical. They are not promises that an event will occur, that a plan will succeed, or that the magnitude or timing of stress will match the modeled scenario.

14. Use At Your Own Risk

To the maximum extent permitted by law, you use the service and any output at your own risk. You are responsible for validating important facts, seeking professional review where appropriate, and deciding whether a suggested action is suitable for your circumstances.

15. Controlling Terms

This disclaimer supplements the MYN Labs Terms of Use and Privacy Policy. If there is any inconsistency, the Terms of Use control to the maximum extent permitted by law, and non-waivable statutory rights still apply regardless of any disclaimer language.

16. UK, Australia, United States, And India Use-Boundary Notices

United Kingdom: Nothing in FSI is intended to be a personal recommendation, regulated credit advice, mortgage advice, insurance distribution advice, or another regulated financial service under UK law. UK users should not rely on the service as a substitute for a qualified adviser where a regulated activity may be involved.

Australia: FSI is not intended to be financial product advice, personal advice, or another regulated financial service requiring licensing under Australian law. Australian users should seek licensed professional advice before acting on investments, superannuation, credit, or insurance products.

United States: FSI is not a consumer report, investment advisory program, broker-dealer service, lender decision tool, or underwriting engine. It should not be used to support Fair Credit Reporting Act, lending, tenant-screening, employment, insurance, or benefits decisions.

India: FSI is not intended to function as RBI-regulated lending advice, SEBI-regulated investment advice or distribution, IRDAI-regulated insurance intermediation, or an underwriting or eligibility engine. Indian users should obtain local legal, tax, or licensed financial review for regulated products and statutory compliance questions.