Disclaimer (Client)

1. No Financial Advice

Nothing in the Tool constitutes or should be construed as financial advice, investment advice, tax advice, legal advice, or a personal recommendation. The Tool may be accessed directly by clients or other end users for personal informational purposes only.

You should obtain independent professional advice before acting on any output. If you are using the Tool through an adviser, that adviser remains responsible for any advice provided to you.

2. Illustrative Projections Only

All figures, projections, calculations, and analyses generated by the Tool are estimates based solely on the assumptions entered by the user. They are subject to important limitations, including the following:

• Actual investment returns, insurance payouts, asset values, liabilities, and CPF balances may differ materially from projections
• Past performance is not indicative of future results
• Inflation rates, interest rates, market conditions, and policy settings can change unpredictably
• Tax treatment depends on individual circumstances and may change
• Life events such as illness, unemployment, changes in family circumstances, or behavioural decisions are not fully reflected in projections

3. CPF and CPF Life

CPF-related projections, including CPF Life payout estimates, BRS/FRS/ERS figures, and Retirement Account assumptions, are indicative only. They may be based on publicly available information and simplified modelling assumptions, and are subject to change in accordance with CPF Board policies and applicable legislation. Users should refer to the CPF Board website or contact CPF directly for official figures.

4. Insurance and Protection Needs

Protection needs analyses and related outputs are illustrative estimates only. Actual insurance coverage requirements depend on individual underwriting assessments, product terms and conditions, and the specific products available at the time of application. Coverage considerations should be verified against actual policy terms and product illustrations from licensed insurers or regulated advisers where relevant.

5. No Warranty

The Tool is provided on an "as is" and "as available" basis. NorthAxis makes no representation or warranty, express or implied, as to the accuracy, completeness, reliability, availability, merchantability, fitness for purpose, or suitability of the Tool or its outputs. NorthAxis does not warrant that the Tool will be error-free, uninterrupted, or suitable as the sole basis for advice, recommendations, or financial decisions.

6. Limitation of Liability

To the fullest extent permitted by applicable law, NorthAxis and its directors, employees, and agents shall not be liable for any loss, damage, cost, or expense of any kind, including financial loss, loss of profits, indirect loss, or consequential loss, arising from or in connection with:

• Your access to, inability to access, or use of the Tool
• Your reliance on any output generated by the Tool
• Any error, inaccuracy, omission, delay, or interruption in the Tool or its calculations
• Any advice given by an adviser to a client based on outputs from the Tool
• Any decision made by a client or end user without obtaining appropriate professional advice
• Any change in government policy, CPF rules, tax treatment, regulation, or market conditions affecting the relevance or accuracy of outputs

7. Regulatory Compliance

If you receive outputs from an adviser, those outputs remain subject to the adviser's regulatory obligations. Clients and end users must not treat or represent outputs as regulated advice from NorthAxis.

8. Contact

If you have any questions about this Disclaimer, please contact us at scenariostudio.app@gmail.com.