16. Legal Notices#

16.1 No Financial, Investment, or Tax Advice#

Retirement Planner is a personal finance modelling tool. Nothing in this application, its outputs, its documentation, or any associated materials constitutes financial advice, investment advice, tax advice, or legal advice. All projections, income estimates, tax calculations, net worth forecasts, and stress test results are produced by mathematical models for illustrative and planning purposes only. They do not represent a guarantee, prediction, or promise of any actual financial outcome.

You should not rely on the outputs of this application as the sole basis for any financial or investment decision. Before acting on any information produced by Retirement Planner, you should seek independent advice from a qualified financial advisor, a registered tax professional (such as a CPA), or legal counsel as appropriate to your individual circumstances.

16.2 Estimates and Approximations#

The tax, benefit, and income calculations performed by Retirement Planner are estimates based on simplified models of the Canadian federal and provincial tax system. While the application strives to reflect current published rules, rates, and thresholds, the following limitations apply:

• Tax calculations are not exact. The app models the most common credits and deductions but does not account for every possible personal tax situation. Actual taxes owed will be determined by the Canada Revenue Agency based on a complete tax return.
• Benefit calculations are estimates. CPP, OAS, and GIS amounts are calculated using publicly available formulas and current parameters. Actual benefit amounts will be determined by Service Canada based on your complete contribution history and personal circumstances.
• Projections use assumed rates of return. Future investment returns, inflation, and interest rates are inherently uncertain. Any projection based on assumed rates — however reasonable — may differ materially from actual results.
• Tax law changes. Federal and provincial tax laws, benefit rules, and credit amounts change frequently. The application may not immediately reflect legislative changes enacted after its last parameter update.

16.3 No Warranty#

Retirement Planner is provided “as is” without warranty of any kind, express or implied. The developer makes no warranty that the application will be error-free, uninterrupted, or that its calculations will be accurate, complete, or current. To the maximum extent permitted by applicable law, the developer disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

16.4 Limitation of Liability#

To the maximum extent permitted by applicable law, the developer of Retirement Planner shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or reliance on, this application or any output it produces — including but not limited to financial losses, missed retirement income, incorrect tax filings, or decisions made in reliance on projections generated by the app.

16.5 Professional Use by Financial Advisors#

Financial advisors and other regulated professionals who use Retirement Planner with clients are solely responsible for ensuring that their use of the application complies with all applicable regulatory requirements, professional standards, and obligations owed to their clients. The application does not replace a registered financial planner’s professional judgement, a compliance review, or any other obligation imposed by securities regulators, the Financial Planning Standards Council, or any professional body. Client reports generated by the app should be reviewed for accuracy before being shared with clients and should clearly identify them as estimates.

16.6 Data and Privacy#

Retirement Planner stores all client data locally on your Mac. No personal financial data is transmitted to the developer’s servers. The optional AI features send only the data you explicitly submit within those features to a third-party AI provider (currently Anthropic); you should not submit personally identifiable information when using AI features. The developer is not responsible for data loss arising from hardware failure, accidental deletion, or corruption of local data files. You are responsible for maintaining your own backups.

16.7 Third-Party AI Features#

AI-generated responses within Retirement Planner are produced by a large language model and may contain errors, omissions, or outdated information. AI responses do not constitute financial or tax advice and should be independently verified before being relied upon.

16.8 Governing Law#

This application is developed in Canada. Any disputes arising from its use shall be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Retirement Planner is developed by The Blue Plum. Projections are hypothetical estimates for illustrative purposes only. Consult a qualified financial professional before making retirement decisions.