Disclaimer

1. Not Financial, Investment, or Legal Advice

HelloMula is a personal financial management and analysis tool. It is not a registered investment advisor, broker-dealer, financial planner, accountant, attorney, or any other licensed financial or legal professional.

Nothing in the Service — including but not limited to account summaries, budget analyses, net worth reports, Decision Lab outputs, projections, suggested strategies, or any other content — constitutes:

• Financial advice or investment advice
• A recommendation to buy, sell, or hold any security, investment, or financial product
• Tax advice or guidance
• Legal advice
• Insurance advice
• An offer or solicitation to engage in any financial transaction

All content produced by the Service is for informational and educational purposes only. You should not take or refrain from taking any financial action based solely on information provided by the Service.

2. Decision Lab Outputs

Decision Lab is a suite of financial analysis modules that performs calculations based on data you have manually entered into the Service. Decision Lab outputs — including but not limited to retirement projections, debt payoff strategies, financial health scores, Roth conversion analyses, savings rate evaluations, and buy-vs-rent comparisons — are mathematical computations based on the data you provide.

Decision Lab outputs:

• Are not personalized financial advice tailored to your complete financial situation
• Do not account for factors you have not entered (e.g., unvested stock options, pension benefits, inheritance, undisclosed debt)
• Are based on simplified mathematical models and historical assumptions that may not reflect future market conditions
• Do not constitute a fiduciary recommendation
• May differ materially from projections provided by a licensed financial planner who has access to your full financial picture

The labels “recommended,” “optimal,” “projected,” and similar terms used in Decision Lab describe the output of a mathematical model, not a personalized professional recommendation.

Certain modules also incorporate third-party reference data. For example, the Salary Benchmark module compares your income against published Bureau of Labor Statistics (BLS) wage data, and the Federal Tax Estimator uses published federal tax bracket tables. Such reference data reflects a specific publication year, may lag current figures, and is provided for general comparison only. Benchmark percentiles and tax estimates are approximations, not statements of your actual market value or actual tax liability.

3. Projections & Forward-Looking Estimates

Any projections, forecasts, or estimates produced by the Service (including Monte Carlo simulations, retirement date calculations, and debt payoff timelines) are based on:

• Data you have entered, which may be incomplete, outdated, or inaccurate
• Assumed rates of return, inflation, and other variables that you specify or that are set as defaults
• Simplified financial models that do not capture the full complexity of real-world financial markets

Past performance and historical data do not guarantee future results. Actual outcomes may differ materially from any projection or estimate. Market conditions, tax law, personal circumstances, and many other factors can cause actual results to vary from projections.

Monte Carlo simulations and probability estimates (e.g., “85% probability of success”) represent modeled scenarios based on your inputs and assumed distributions. They are not guarantees and should not be interpreted as a precise probability of any real-world outcome.

4. Data Accuracy

HelloMula is a manual-entry system. All account balances, transactions, income figures, and other financial data in the Service reflect only what you have entered. We do not independently verify any data you provide.

The accuracy of all outputs, reports, and analyses depends entirely on the accuracy of the data you enter. Hellomula LLC makes no representation that data in your account reflects your actual financial position.

We are not responsible for financial decisions made on the basis of inaccurate data entered by you or any household member.

5. No Tax Advice

Any content in the Service that references tax implications — including the Federal Tax Estimator, Required Minimum Distribution (RMD) calculations, Roth conversion analyses, retirement account comparisons, or debt deductibility — is for general educational purposes only and does not constitute tax advice. Tax laws are complex, jurisdiction-specific, and subject to change. You should consult a qualified tax professional regarding your specific tax situation before making any tax-related financial decision.

6. Limitation of Liability

Hellomula LLC is not liable for any financial loss, investment loss, tax liability, or any other direct, indirect, incidental, or consequential damage arising from:

• Your reliance on any output, projection, analysis, or content produced by the Service
• Inaccurate or incomplete data you have entered into the Service
• Financial decisions you make based on information provided by the Service
• Any failure of the Service to reflect your actual financial position or the actual performance of any investment

This limitation of liability applies to the fullest extent permitted by applicable law. Please see Section 15 of our Terms of Use for the full limitation of liability provision.

7. Seek Professional Advice

We strongly encourage you to consult qualified professionals before making significant financial decisions:

• Financial decisions: A licensed financial advisor or financial planner (CFP®)
• Investment decisions: A registered investment advisor (RIA) or broker-dealer
• Tax matters: A Certified Public Accountant (CPA) or enrolled agent
• Legal matters: A licensed attorney in the relevant jurisdiction

HelloMula is designed to help you understand your household finances and explore scenarios. It is a complement to, not a substitute for, professional advice.

8. Contact

For questions about this Disclaimer: