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This website, and the services and software sold on it are designed to provide general information regarding the subject material covered, and is a work of the author’s research, experiences and opinions.

Although the author and publisher, Expert Software Systems, have used all of the household budgeting and retirement calculation facilities for their own use successfully, they make no promises or guarantees for similar results for any purchaser or user of these software tools (Budgeting Spreadsheet and Retirement Calculator) and services rendered by Expert Software Systems. Results may differ based on an individual’s personal interpretation and use of the facilities implemented in these software tools, and interpretation of services rendered. The author and publisher accept no personal or company liability for any of these results. Additionally, the author and publisher do not represent or warrant that any information, ideas, plans, calculations, suggestions, and methods of operation contained in these software tools and services rendered, are in all cases true, accurate, appropriate, or legal. It is the purchaser’s (or user's) responsibility to consult with his or her own advisor before putting any of these software tools' information and Expert Software Systems' services into practice. The author and publisher specifically disclaim any liability resulting from the use or application of the information contained in these software tools or consulting services rendered, as the information is not intended to serve as legal or definitive financial advice related to individual situations.

Additionally, the author and publisher accept no personal liability for any inaccuracies or omissions in these software tools, website, or services rendered, or any associated documentation.

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