Financial Disclaimer

Not Financial, Tax, or Legal Advice

Finance Forecast is a software tool designed to help freelancers and independent contractors organise their financial data, visualise cashflow, and track invoices, income, and expenses. It is not a financial services product, an accounting service, or a professional advisory service of any kind.

Nothing produced by Finance Forecast — including but not limited to cashflow forecasts, tax set-aside estimates, safe-to-spend calculations, AI-generated insights, reports, or savings projections — constitutes financial advice, tax advice, accounting advice, investment advice, or legal advice.

Estimates Are Not Guarantees

All figures produced by Finance Forecast are estimates only. Specifically:

• Cashflow forecasts are projections based on data you enter and confidence levels you assign. They may be significantly inaccurate depending on the accuracy and completeness of your inputs.
• Tax set-aside calculations use a flat percentage you configure. They do not account for your actual tax liability, which depends on your jurisdiction, business structure, allowable deductions, and many other factors.
• Safe-to-spend calculations are heuristic estimates based on your current data. They should not be relied upon for large financial commitments.
• AI-generated insights are produced by a large language model and may be incorrect, outdated, or inappropriate for your specific situation. They are generated from high-level aggregate summaries, not your full transaction history.
• Project and client profitability figures are based solely on data you enter and do not account for overhead, time value of money, or other economic factors.

Tax Obligations Vary by Jurisdiction

Tax laws are complex and jurisdiction-specific. The tax set-aside percentage used in Finance Forecast is configured by you and does not represent your actual tax liability. Income tax, self-employment tax, VAT, GST, sales tax, national insurance contributions, and other obligations vary significantly by country, region, and individual circumstances. You are solely responsible for meeting your tax obligations. Always consult a qualified tax adviser or accountant for your specific situation.

No Regulated Activities

Finance Forecast does not hold any financial services licence, is not regulated by any financial authority (such as the FCA in the UK or the SEC in the US), and does not carry out any regulated activities. It is a productivity and organisational software tool.

Consult a Professional

Before making any significant financial decision — including but not limited to setting aside money for tax, making large purchases, taking on new clients, or structuring your business — please consult a qualified accountant, tax adviser, financial adviser, or solicitor who can give advice specific to your situation and jurisdiction.

Limitation of Liability

To the fullest extent permitted by applicable law, Finance Forecast and its operators accept no liability for any financial loss, tax underpayment, missed obligations, or other adverse outcomes arising from use of or reliance upon any information, estimate, forecast, or output produced by the Service.