Disclosures

This summary highlights key points for quick review. It is not a substitute for the full legal policy below.

Clarity is a financial data aggregation, analysis, and reporting platform operated by FinSync LLC (operating as Raintree Technology). Clarity is not a bank, broker-dealer, investment adviser, tax preparer, or financial institution of any kind.

• Clarity does not hold, custody, or transfer funds on behalf of users. All financial accounts remain with their respective institutions.
• Accounts and balances displayed in Clarity are not insured by the FDIC, SIPC, or any government agency through Clarity. Insurance coverage, if any, is provided by the underlying institution where your accounts are held.
• Clarity does not endorse, recommend, or guarantee any financial institution, product, or investment strategy.
• Under the EU Markets in Crypto-Assets Regulation (MiCA), Clarity is not a Crypto-Asset Service Provider (CASP). We do not offer custody, trading, exchange, transfer, or advisory services for crypto-assets. Clarity is a read-only data aggregation tool.

All financial activities involve risk, including the potential loss of principal. Cryptocurrency and digital assets are highly volatile and may lose all value. Past performance does not guarantee future results. You are solely responsible for your financial decisions.

Market quotes, asset prices, portfolio analytics, charts, and other financial data displayed within Clarity are provided for informational purposes only and do not constitute financial, investment, tax, or legal advice.

• Market data may be delayed, estimated, or sourced from third-party providers. Equity prices are typically delayed by at least 15 minutes per exchange requirements. Cryptocurrency prices may vary across providers. Clarity does not guarantee the accuracy, completeness, or timeliness of any data displayed.
• Past performance of any asset, portfolio, or strategy is not indicative of future results. All investments carry risk, including the potential loss of principal.
• Tax calculations, cost basis reports, and deduction estimates are approximations based on available data. They are not a substitute for professional tax advice or preparation by a qualified tax professional.
• Users should independently verify any information before making financial decisions and consult with qualified professionals as appropriate.

2.5 Cryptocurrency Tax Information

Clarity provides tools to help you organize and review cryptocurrency transaction data, including cost basis tracking and gain/loss estimates. These features are informational aids, not tax preparation services.

• Beginning with the 2025 tax year, centralized exchanges are required to issue IRS Form 1099-DA for certain digital asset transactions. Clarity does not generate or file any IRS forms on your behalf.
• Under IRS Revenue Procedure 2024-28, taxpayers must track cost basis on a per-wallet and per-account basis. Clarity's cost basis reports are estimates based on available data and may not reflect your complete tax position.
• Clarity does not file taxes on behalf of users and is not a registered tax preparer or tax advisor.
• You should consult a qualified CPA or tax professional for cryptocurrency tax matters, especially for complex scenarios involving DeFi, staking rewards, airdrops, or cross-chain transactions.

Clarity connects to external financial services to aggregate your data. These integrations include banking and brokerage connections (via Plaid), cryptocurrency exchanges, and blockchain networks.

• Clarity does not control and is not responsible for the availability, accuracy, security practices, or terms of service of any third-party provider.
• Data retrieved from third-party services is presented as-is. Discrepancies between Clarity and your institution's records should be resolved by referencing official account statements.
• By connecting an account through a third-party provider, you are also agreeing to that provider's terms of service and privacy policy (for example, Plaid's End User Privacy Policy).
• Service interruptions, API changes, or provider outages may temporarily affect data availability within Clarity. These events are outside of our control.
• Blockchain data (wallet addresses, transaction hashes, and on-chain balances) is inherently public and immutable. Connecting a wallet address to Clarity does not change the public nature of that data on the blockchain. Deleting your Clarity account removes the association within our systems but does not affect on-chain records.

For details on how we handle data from integrations, see our Privacy Policy and Security Practices.

Clarity offers AI-powered analysis, insights, and a conversational assistant to help you understand your financial data. These features are tools for exploration and education, not professional advice.

• AI outputs are probabilistic, not deterministic. Responses, insights, and suggestions may contain errors, omissions, hallucinations, or mathematically incorrect summaries. They should not be relied upon as the sole basis for any financial decision.
• The AI assistant is not a licensed financial adviser, tax professional, or legal counsel. Its outputs do not constitute a fiduciary relationship.
• AI features analyze data available within your Clarity account and may not reflect your complete financial picture. Always verify AI-generated figures against your official account statements.

Always consult a qualified professional for personalized financial, tax, or legal advice.

If you have questions about these disclosures, contact us at legal@raintree.technology or visit our Contact page.