Tax & Legal Disclaimer

Last updated: December 16, 2025

About This App

FLO ("the App") is provided "as is" without warranties of any kind. The tax estimates, calculations, and financial tracking features are tools designed to assist with financial management and organization. They do not constitute professional tax, accounting, or legal advice.

FLO is developed and operated by FINCH & POPPY CO. LLC, a software company. We are not accountants, tax preparers, financial advisors, or lawyers. The App's features are based on publicly available tax guidelines and common financial practices, but they cannot replace the personalized expertise of qualified professionals.

User Responsibilities

As a user of FLO, you are responsible for:

• Verifying all tax calculations with a qualified tax professional before filing
• Ensuring compliance with current IRS regulations, state tax laws, and local ordinances
• Maintaining accurate financial records as required by law
• Reviewing all estimates and reports before making financial decisions
• Consulting with certified public accountants (CPAs), enrolled agents (EAs), or tax attorneys for official tax preparation and advice
• Understanding that tax laws change frequently and app data may not reflect the most current regulations
• Keeping original receipts and documentation as required by tax authorities
• Meeting all tax deadlines - our reminders are helpful but not guaranteed to be accurate or complete

Tax Estimate Limitations

Tax estimates provided by FLO are based on:

• Self-reported transaction data entered by users (garbage in, garbage out)
• Generalized federal tax brackets and standard deductions
• Approximate state tax rates (using statewide averages)
• IRS guidance and tax rates current as of the app's last update
• Simplified calculations designed for general planning purposes

What Our Estimates Do NOT Account For

These estimates may not account for:

• Complex tax situations such as:
  • Investment income (capital gains, dividends, interest)
  • Real estate transactions or rental income
  • Foreign income or foreign bank accounts
  • Business partnerships, S-corps, or C-corps
  • Stock options or restricted stock units
  • Inheritance or estate tax considerations
• Recent changes to tax law not yet incorporated into the app
• State or local tax variations beyond general rates
• Individual deductions, credits, or special circumstances including:
  • Mortgage interest deduction
  • Student loan interest deduction
  • Child tax credits or earned income credits
  • Education credits (American Opportunity, Lifetime Learning)
  • Retirement contribution deductions beyond SEP IRA basics
  • Health savings account (HSA) contributions
• Alternative Minimum Tax (AMT) considerations
• Net investment income tax (3.8% Medicare surtax)
• Additional Medicare tax on high earners
• Estimated tax payment penalties and safe harbor calculations beyond the basic rules
• Multi-state tax situations if you work in multiple states
• Passive activity losses or hobby loss rules

Mileage Tracking Limitations

While FLO provides GPS-based mileage tracking, you acknowledge that:

• GPS accuracy varies based on signal strength, weather, device quality, and environmental factors
• The IRS requires contemporaneous records - you should review and verify trips promptly
• The IRS requires documentation of: date, destination, business purpose, and miles driven
• GPS logs alone may not satisfy IRS requirements - you must document the business purpose
• You are responsible for classifying trips as business vs. personal
• The standard mileage rate changes annually - ensure the app is updated
• Some trip types may require actual expense method instead of standard mileage rate

Receipt Management Limitations

Receipt scanning uses OCR technology which has limitations:

• OCR accuracy depends on receipt quality, lighting, and image clarity
• You must verify all extracted data - do not rely on OCR blindly
• The IRS requires original receipts or acceptable substitutes - digital images may not always be sufficient
• Receipts can fade over time - store originals properly
• For purchases over certain thresholds, additional documentation may be required

Invoice Features Disclaimer

FLO's invoice generation features are provided for convenience:

• You are responsible for the accuracy of all invoice information
• Invoice templates are provided "as is" and may not meet all legal requirements in your jurisdiction
• You should consult legal or accounting professionals about invoice requirements
• Payment tracking is for your records only - actual payment collection is your responsibility
• We are not responsible for client disputes, non-payment, or collection issues

Limitation of Liability

• Tax calculation errors, inaccuracies, or omissions in any estimates, reports, or calculations
• Missed deadlines, late penalties, or interest charges from any tax authority
• IRS audits, state tax audits, or inquiries resulting from your tax filings
• Financial decisions based on app outputs, estimates, or recommendations
• Changes to tax laws not reflected in the app, even if those changes occur mid-year
• Data accuracy issues resulting from user input errors, incomplete data, or misclassified transactions
• Lost deductions or overpaid taxes due to incomplete records or missed opportunities
• Underpayment or overpayment of taxes
• Any financial losses, damages, or consequences resulting from use of the app
• GPS inaccuracies or mileage tracking errors
• OCR extraction errors or receipt data misinterpretation
• Data loss from device failure, app deletion, or user error
• Unauthorized access to your device or data
• Disputes with clients over invoices or payment terms
• Business losses or missed opportunities of any kind

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE APP (OR $50 IF FREE).

No Professional Relationship

Use of FLO does not create a professional relationship between you and FINCH & POPPY CO. LLC, its employees, or any tax professionals. The app is a self-service tool for personal financial organization. We do not:

• Provide tax preparation services
• Represent you before the IRS or state tax authorities
• Review your specific tax situation
• Guarantee the accuracy of any calculations or estimates
• Assume any responsibility for your tax filings or financial decisions

Recommendation: Use Qualified Professionals

We strongly recommend working with licensed professionals for:

Tax Preparation & Planning:

• Certified Public Accountants (CPAs) - for comprehensive tax preparation, planning, and financial advice
• Enrolled Agents (EAs) - federally-licensed tax practitioners who can represent you before the IRS
• Tax Attorneys - for complex legal tax matters, audits, or disputes

Financial Planning:

• Certified Financial Planners (CFPs) - for comprehensive financial planning and investment advice
• Certified Financial Planners (CFPs) - for investment management and retirement planning

Business & Legal:

• Business Attorneys - for contracts, business formation, and legal compliance
• Bookkeepers - for ongoing transaction recording and financial organization

These professionals can:

• Review your specific situation and provide personalized advice
• Identify deductions and credits you might miss
• Ensure compliance with current laws and regulations
• Represent you in case of audits or disputes
• Help with tax planning and strategy
• Provide peace of mind with professional expertise

Your Acceptance

By downloading, installing, or using FLO, you acknowledge that:

• You have read and understood this disclaimer
• You agree to use the app at your own risk
• You will verify all calculations with qualified professionals
• You will not rely solely on the app for tax filings or financial decisions
• You accept full responsibility for your financial and tax-related choices
• You understand that we are not liable for any errors, omissions, or consequences

Updates to This Disclaimer

We may update this disclaimer from time to time as the app evolves or laws change. Updates will be posted on this page with a revised "Last updated" date. Continued use of the app constitutes acceptance of any changes.

Major updates will be announced via:

• In-app notifications
• Email (if you've provided one for support)
• This website

Check this page periodically for updates, especially at the start of each tax year.

Regulatory Compliance

FLO is not:

• A tax preparation service subject to IRS Circular 230
• A registered investment advisor
• An accounting firm or CPA firm
• A financial institution or bank

We are a software company providing tools for financial organization. We comply with applicable software and privacy regulations but do not operate under financial services regulations.

19. Contact Information

For questions about these Terms of Service, please contact us:

• Email: flo.financeapp@gmail.com
• Website: floptimizer.github.io
• Company: FINCH & POPPY CO. LLC

This disclaimer is for informational purposes and does not constitute legal advice. If you have questions about your legal obligations, consult an attorney.

Related Documents

• Privacy Policy
• Terms of Service
• Contact Us