Disclaimer
Educational estimates only
Effective date: 2026. This Disclaimer applies to the entire ChequeMate application, its projections, scores, scenarios, tax figures, charts, and the in-app AI explainer. By using ChequeMate you acknowledge and agree to it. It is incorporated into, and supplements, our Terms of Service and Privacy Policy.
Everything ChequeMate shows is an estimate
All projections, net-worth figures, retirement outlooks, goal-readiness scores, life-event scenarios, and federal and state tax figures are estimates provided for general educational and informational purposes only. They are illustrations, not statements of fact, advice, or any promise of a result.
Not an investment adviser, and no advice
ChequeMate is not a registered investment adviser, broker-dealer, or financial planner and does not provide personalized investment advice. No advisory or fiduciary relationship is created between you and ChequeMate by your use of the app.
Nothing in ChequeMate is a recommendation to buy, sell, or hold any security or to open, close, or roll over any account. ChequeMate does not tell you whether to take a job, buy a home, relocate, invest, or make any other financial decision. It illustrates hypothetical scenarios that you choose, using numbers you provide.
Not tax, legal, or accounting advice
ChequeMate does not provide tax, legal, or accounting advice. Any tax figures it shows are simplified estimates generated by a model, not a tax return, a filing, or a substitute for advice from a licensed CPA or tax attorney. Federal and state figures may be incomplete, out of date, or inaccurate, and may differ materially from your actual tax liability or any taxing authority's determination.
Projections are hypothetical and depend on your assumptions
Every projection, score, and scenario is a hypothetical, forward-looking illustration built entirely from the inputs and assumptions you supply. It rests on assumptions that may not hold, is prepared with modeling rather than lived experience, and is only as accurate as the information you enter. Actual outcomes will differ, potentially by a wide margin. No representation is being made that you will, or are likely to, achieve results similar to those shown.
Past performance does not guarantee future results.
The AI explainer is machine-generated
The in-app AI explainer narrates the numbers already on your screen. Its responses are machine-generated, can be incomplete or wrong, and are not professional, investment, tax, or legal advice. Do not rely on them. You are interacting with an automated system, not a human or a licensed professional. Verify anything important with a qualified professional.
Linked account data is read-only and may be delayed
If you choose to link an account through our third-party provider (SnapTrade), that connection is read-only. ChequeMate cannot and does not move money, place trades, or execute transactions. Linked data may be delayed, incomplete, or inaccurate, and is not verified by ChequeMate.
Consult a licensed professional before acting
You are solely responsible for your own decisions. Before acting on anything you see in ChequeMate, consult a licensed professional, such as a certified financial planner, CPA, tax attorney, or attorney, who can consider your full circumstances.