Disclosures & Disclaimers

1. No Professional Advice

Xtempo is a software-as-a-service (SaaS) platform designed to provide mathematical simulations and organizational tools. ALQYMI, LLC is not a law firm, an accounting firm, a registered investment advisor (RIA), or a Qualified Intermediary (QI). The outputs, calculations, and content provided by Xtempo are for educational and illustrative purposes only and do not constitute legal, tax, financial, or investment advice. Users should consult with their own professional advisors before making any financial decisions or executing legal documents.

2. Accuracy of Calculations and Projections

While ALQYMI, LLC uses its best efforts to ensure that the mathematical formulas and tax rules within Xtempo are current and accurate:

• “As Is” Basis: All calculations are provided “as is” without any express or implied warranties.
• Variable Data: Tax laws are subject to frequent changes at both federal and state levels. Xtempo’s simulations may not account for specific local nuances or future legislative shifts.
• User Input: The accuracy of the output is strictly dependent on the accuracy of the data provided by the user. ALQYMI, LLC is not responsible for errors resulting from incorrect or incomplete data entry.

3. Third-Party Referrals and Affiliations

Xtempo may facilitate connections or referrals to Wealth Management Advisors and Qualified Intermediaries (QIs).

• Independent Entities: These professionals and firms are independent third parties and are not employees, agents, or subsidiaries of ALQYMI, LLC.
• No Endorsement: A referral through the platform does not constitute an endorsement or guarantee of the third party’s services, competence, or regulatory standing.
• Due Diligence: It is the user’s sole responsibility to perform their own due diligence before engaging with any third-party professional. ALQYMI, LLC shall not be liable for any damages or losses arising from your relationship with these independent entities.

4. Security and Data Privacy

ALQYMI, LLC prioritizes the security of your personal and property data. We employ industry-standard encryption and security protocols to protect your information. However:

• Inherent Risk: No method of transmission over the internet or electronic storage is 100% secure.
• Liability Limit: While we strive to use commercially acceptable means to protect your data, ALQYMI, LLC cannot guarantee absolute security and is not liable for unauthorized access beyond our reasonable control.

5. IRS Circular 230 Disclosure

To ensure compliance with requirements imposed by the IRS, we inform you that any tax information contained in this communication (including any attachments or platform outputs) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein.