MAX

MAX is a personal financial wellness and organizational tool designed to help users understand, track, and manage their income, expenses, assets, and liabilities. The purpose of this application is financial education, budgeting guidance, and savings organization.

The content, tools, tips, analyses, and outputs provided by MAX are intended solely for general financial organization and educational purposes. They are not tailored to the investment objectives, financial situation, risk tolerance, or specific needs of any individual user.

Users should not interpret any output, suggestion, or analysis provided by this application as a recommendation to take any specific financial action with respect to securities, investments, retirement accounts, or any other financial product regulated under federal or state securities law.

Max is not registered as an Investment Adviser with:

• The U.S. Securities and Exchange Commission (SEC) under the Investment Advisers Act of 1940
• The Illinois Securities Department under the Illinois Securities Law of 1953 (815 ILCS 5/)
• Any other federal or state securities regulatory authority

Because MAX does not provide advice regarding securities, it is not required to be registered as an investment adviser under applicable federal or Illinois state law. Users should be aware of this status and understand that the protections afforded to clients of registered investment advisers do not apply to users of this application.

This application makes no recommendations, express or implied, regarding:

• The purchase, sale, or holding of any stock, bond, mutual fund, ETF, annuity, option, or other security
• The allocation of assets among any investment categories or securities
• Any specific brokerage account, investment platform, or financial product
• Expected or projected returns on any investment
• The suitability of any investment for any individual user

This application uses artificial intelligence (AI) technology to generate financial organizational insights, budgeting tips, and savings guidance. Users should be aware of the following:

• AI Limitations: AI-generated outputs may contain errors, omissions, or information that is not applicable to a user's specific circumstances. All outputs should be reviewed critically by the user.
• No Professional Relationship: Interaction with this AI tool does not create a professional, fiduciary, or advisory relationship of any kind between the user and Max.
• Not a Substitute for Professional Advice: AI-generated financial organizational tips and budgeting guidance are not a substitute for advice from a licensed financial professional, attorney, accountant, or other qualified adviser.
• Evolving Technology: AI technology is evolving. Outputs are generated based on patterns and data and may not reflect the most current financial regulations, tax laws, or best practices.

Financial outcomes depend on a wide variety of factors outside the control of this application, including but not limited to changes in income, unexpected expenses, economic conditions, inflation, tax law changes, and individual user decisions. Max expressly disclaims any responsibility for financial decisions made by users in reliance on outputs generated by this application.

For users located in the State of Illinois, the following additional disclosures apply:

Illinois Securities Law of 1953 (815 ILCS 5/): This application is not engaged in the business of advising others as to the value of securities or as to the advisability of investing in, purchasing, or selling securities. Accordingly, Max is not required to register as an investment adviser with the Illinois Securities Department.

Illinois Consumer Fraud and Deceptive Business Practices Act (815 ILCS 505/): Max is committed to transparent, accurate, and non-deceptive communications with all users. No misleading claims regarding financial outcomes, AI capabilities, or the nature of this service are made or intended.

Illinois Debt Management: This application does not provide debt settlement, debt consolidation, or debt negotiation services. General information regarding liability management is provided for organizational and educational purposes only and does not constitute regulated debt management services under Illinois law.

Illinois Personal Information Protection Act (PIPA): Max collects, stores, and processes personal financial information in accordance with applicable Illinois data protection law. Users have the right to request access to, correction of, or deletion of their personal data. Please refer to our Privacy Policy for complete details.

Max is committed to protecting the privacy and security of user financial data. The following standards govern our data practices:

• Data Security: User financial data is encrypted in transit and at rest using industry-standard security protocols.
• No Sale of Data: Max does not sell, rent, or trade user financial data to third parties for marketing or any other commercial purpose.
• Limited Data Use: User data is used solely to provide and improve the services described in this application.
• No Biometric Data: This application does not collect biometric information as defined under the Illinois Biometric Information Privacy Act (BIPA).
• User Rights: Users may request export, correction, or deletion of their personal data at any time by contacting patrick@maxg2.com.
• FTC Compliance: Max operates in compliance with applicable Federal Trade Commission (FTC) regulations governing consumer financial data and unfair or deceptive trade practices.

To the fullest extent permitted by applicable law:

• Max shall not be liable for any financial loss, damages, or adverse outcomes arising from a user's reliance on outputs, tips, analyses, or suggestions generated by this application.
• This application is provided on an "as is" and "as available" basis without warranties of any kind, express or implied.
• In no event shall Max's total liability to any user exceed the total subscription fees paid by that user in the twelve (12) months preceding the claim.
• Users assume full responsibility for all financial decisions made in connection with their use of this application.

Depending on your financial situation and goals, you may benefit from consulting with one or more of the following licensed professionals:

• Certified Financial Planner (CFP): For comprehensive personal financial planning
• Registered Investment Adviser (RIA) or Broker-Dealer: For investment and securities advice
• Certified Public Accountant (CPA): For tax planning and preparation
• Licensed Attorney: For estate planning, asset protection, and legal matters
• Insurance Professional: For insurance and risk management needs

By creating an account and using MAX, each user acknowledges and agrees that they have read, understood, and accept all disclosures set forth in this document, and that:

• This application does not provide investment advice or securities recommendations of any kind
• Max is not a registered investment adviser with the SEC or the Illinois Securities Department
• No professional, fiduciary, or advisory relationship is created by use of this application
• All financial decisions are made independently by the user at their sole risk and discretion
• This application is for financial education and organizational purposes only
• Users are encouraged to seek licensed professional advice for all significant financial decisions