Disclaimer — Other People's Money

1. Informational purposes only

Other People's Money ("Other People's Money", "we", "us") is a software platform that provides educational frameworks, calculators, AI-generated commentary, and illustrative scenarios about capital strategy, taxation, real estate, credit, business acquisition, and estate planning. The platform is not a financial advisor, tax preparer, law firm, broker-dealer, investment adviser, lender, or fiduciary of any kind.

2. Not advice

Nothing on the platform — including strategies, tier content, OPM Score™ readouts, Deal Hunter results, tax timelines, estate structures, lender matches, portfolio projections, chat responses, or any AI-generated document — is financial, tax, legal, investment, accounting, insurance, or fiduciary advice. No advisor-client, attorney-client, or fiduciary relationship is created by your use of the platform.

3. AI outputs may be wrong

AI-generated content can be inaccurate, incomplete, or out-of-date. Tax codes, IRC citations, regulations, lender guidelines, and market conditions change frequently. You must independently verify every figure, citation, rule, deadline, and strategy with a currently-licensed professional in your jurisdiction before acting.

4. Consult licensed professionals

Before executing any tax election, entity formation, financing, real-estate transaction, business acquisition, trust structure, insurance arrangement, or investment, consult a licensed CPA, attorney, registered investment adviser, insurance producer, or lender licensed in your state or country. Requirements, thresholds, and outcomes vary materially by jurisdiction and personal circumstance.

5. No guarantee of results

Projections, scores, modeled scenarios, and historical examples are illustrative. Past performance does not guarantee future results. Leverage, tax strategies, and alternative investments can result in loss of capital, tax penalties, and legal exposure.

6. No solicitation

The platform is not an offer or solicitation to buy or sell securities, real estate, credit products, or any other financial instrument, and is not directed to any person in any jurisdiction where such an offer or solicitation would be unlawful.

7. Assumption of risk

You are solely responsible for your decisions and their consequences. By using the platform you assume all risk associated with acting or failing to act on any information it provides.