Financial Calculator Disclaimer

Educational and Informational Purposes Only

The calculators, tools, projections, and models available on Pension101.com (collectively, the “Calculators”) are provided solely for general educational and informational purposes. The outputs generated by the Calculators are illustrative estimates only and are designed to help users understand general financial concepts.

The Calculators are not intended to provide personalized financial, investment, legal, tax, insurance, mortgage, or retirement planning advice, and should not be relied upon as such.

No Professional or Fiduciary Relationship

Use of the Calculators does not create an advisory, fiduciary, financial planning, legal, tax, or client relationship between you and Pension101, its affiliates, partners, licensors, contractors, or any individuals associated with the platform.

Nothing contained within the Calculators or elsewhere on the website should be interpreted as a recommendation, solicitation, or offer to purchase or sell any investment, insurance product, financial instrument, or service.

Users are encouraged to consult with qualified licensed professionals, such as financial advisors, tax professionals, attorneys, accountants, mortgage professionals, or other licensed advisors before making financial decisions.

Illustrative Estimates and Assumptions

Calculator outputs are generated using user-provided inputs, assumptions, and simplified mathematical models. Actual outcomes may differ materially from estimates generated by the Calculators due to numerous factors including, but not limited to:

• Changes in tax laws, regulations, or government policies

• Pension plan rule modifications

• Investment performance and market conditions

• Interest rate fluctuations

• Inflation and economic changes

• Individual eligibility factors

• Errors or omissions in user inputs

The Calculators may rely on generalized assumptions, historical data, or modeling techniques that cannot account for every individual variable affecting financial outcomes.

No Guarantee of Accuracy or Completeness

While Pension101 makes reasonable efforts to maintain and update the Calculators, no representation or warranty of any kind is made regarding the accuracy, reliability, completeness, or timeliness of any information, calculations, or projections generated.

Calculator results may contain errors, approximations, outdated assumptions, or modeling limitations. Pension101 does not guarantee that the Calculators will be error-free, uninterrupted, or suitable for any particular purpose.

No Liability for Decisions or Outcomes

To the fullest extent permitted by applicable law, Pension101 and its affiliates, partners, licensors, contractors, service providers, officers, directors, employees, and representatives disclaim any liability for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to:

• Use of the Calculators

• Reliance on calculator outputs

• Errors or inaccuracies in calculations

• Financial decisions made based on calculator results

• Inability to access or use the tools

Users assume full responsibility and risk for any financial or personal decisions made based on information generated by the Calculators.

Not an Official Pension or Government Calculation

Pension-related estimates provided by the Calculators are not official pension benefit determinations. Official calculations must be obtained directly from the relevant pension administrator, employer, or governing authority.

Estimates generated through the Calculators should be viewed only as non-binding approximations for educational illustration.

Mortgage Calculator Specific Disclosure

Mortgage payment estimates and interest rate examples generated by the Pension101 mortgage calculator are illustrative estimates for informational purposes only. Any rates, payment amounts, affordability estimates, or loan projections shown are non-binding and do not constitute a loan offer, quote, or commitment to lend.

Pension101 is not a mortgage lender, broker, or creditor and does not originate, underwrite, approve, or fund mortgage loans.

Rate assumptions and market data displayed within the calculator may be aggregated from publicly available sources and industry reference data and may not reflect current market rates, lender-specific pricing, borrower qualifications, creditworthiness, property characteristics, loan program eligibility, or other factors that affect actual loan terms.

Actual mortgage rates, payments, and loan terms are determined by individual lenders and depend on many variables including credit score, income, debt-to-income ratio, loan type, loan amount, property value, down payment, market conditions, and underwriting guidelines.

User Responsibility for Inputs

Users are responsible for ensuring that all data entered into the Calculators is accurate, complete, and current. Incorrect or incomplete information will result in inaccurate outputs.

Pension101 does not verify or validate user-submitted inputs.

Technology Security and SOC 2 Commitment

Pension101 is committed to maintaining strong security and operational standards designed to protect the integrity and confidentiality of user information. The platform is designed in alignment with industry-recognized security practices consistent with the Trust Services Criteria established by the American Institute of Certified Public Accountants (AICPA), including frameworks commonly associated with SOC 2 compliance.

These controls are intended to support the security, availability, confidentiality, and integrity of the platform and its systems. However, no system or online platform can guarantee absolute security, and users acknowledge that use of internet-based tools carries inherent risks.

Changes to Calculators and Methodologies

Pension101 reserves the right to modify, update, suspend, replace, or discontinue any Calculator, formula, modeling methodology, assumption, or feature at any time without prior notice.

Calculator methodologies may change as financial regulations, pension rules, tax laws, and economic conditions evolve.

Acceptance of Disclaimer

By accessing or continuing to use any Calculator on Pension101.com, you acknowledge that you have read, understood, and agreed to this Disclaimer and accept the limitations described herein.