Investment & Tax Disclaimer

Last updated: August 09, 2026

1. We are not a broker, adviser, or tax adviser

BorderFolio is a software tool operated by Individual Entrepreneur Steffan Kharmaaiarvi (doing business as Borderfolio). It is not a broker, custodian, investment adviser, financial adviser, or tax adviser, and it is not a regulated financial institution in any jurisdiction. We do not manage assets, hold funds, or execute trades on your behalf.

2. Information is educational only

All content, features, and outputs of the Service — including performance tracking, dividend forecasts, tax and withholding analysis, fund-domicile comparisons, and milestone tracking — are provided for general informational and educational purposes only. They do not constitute investment, tax, legal, or accounting advice.

3. Calculations are not a personal recommendation

Any figures, estimates, projections, suggested allocations, or comparisons generated by the Service are illustrative and are not a personal recommendation, solicitation, or endorsement to buy, sell, or hold any security or to adopt any investment or tax strategy. They do not take account of your individual objectives, financial situation, or needs.

4. Data may be inaccurate or delayed

Financial, market, dividend, fund, and tax data displayed in the Service may come from third-party sources and may be incomplete, inaccurate, outdated, or delayed. We do not warrant the accuracy, completeness, or timeliness of any data and are not liable for any errors or omissions or for any decisions made in reliance on it.

5. Tax results depend on your residency and circumstances

Tax and dividend-withholding analysis is based on the tax residency and assumptions you provide and on generalized rules that may not reflect your actual situation, treaty positions, filings, or changes in law. Your real tax outcome depends on your personal circumstances and may differ materially from any estimate shown.

6. Past performance does not guarantee future results

Historical returns, yields, and trends shown in the Service are not a reliable indicator of future performance. Investments can go down as well as up, and you may get back less than you invested.

7. You are responsible for verifying information

You are solely responsible for independently verifying all information and for your own financial and tax decisions. Before acting on anything you see in the Service, you should consult a licensed financial adviser, tax adviser, or other qualified professional in your jurisdiction.

8. Contact

Questions about this disclaimer? Email admin@borderfolio.app. This disclaimer forms part of, and should be read together with, our Terms of Use and Privacy Policy.