Financial, AI & calculator disclaimer

Rigova 365 is not a financial adviser, investment adviser, tax preparer, accountant, lender or law firm. Nothing in the app is a recommendation to buy, sell, borrow, invest, file, or take any specific action. For decisions with real consequences — taxes, investments, loans, legal questions — talk to a qualified professional.

These features give estimates, not guarantees:

• Smart budget, paycheck plan and “safe to spend” figures
• Debt, mortgage and car loan payoff dates, remaining interest, and “Pay it off faster” savings
• Home and vehicle equity, which depend on values you estimate
• Net worth, goals, What-If scenarios and retirement projections
• Tax set-aside amounts, estimated payments and readiness checklists

Real results can differ because of rounding, fees, escrow, insurance, rate changes, lender rules, market returns, inflation, changes in tax law, or numbers that are missing or out of date. Payoff estimates assume extra payments go to principal; ask your lender how they apply them.

“Explain this”, Ask, and bill reading use an AI model. AI answers are general and can be incomplete or wrong. They are a starting point for understanding your own numbers, not advice. When the AI reads an uploaded bill, it only suggests details — nothing changes until you review and approve them.

• It never moves, sends or spends money, and has no access to your bank accounts.
• It never files taxes or sends anything to a tax authority.
• It never cancels subscriptions or contacts lenders or companies for you.
• It never promises savings, refunds, approvals or returns.