Last updated: April 6, 2021
IRYSS does not provide recommendations for any products or securities. Nothing on the Site or provided by the Services should be construed as a solicitation or offer, or recommendation, to buy or sell any security. IRYSS Inc. (“IRYSS”, “We” or “Us”) provides this Site to individuals and/or entities (“User” or “Users”) under the following terms and conditions, as it may be amended from time to time by IRYSS (this “Agreement”). By using, accessing, or visiting the Site or the Services, or submitting any information to IRYSS, User hereby consents and agrees to be bound by the terms of this Agreement and all other operating rules, policies, and procedures that may be published by IRYSS from time to time. Use of the Site and Services is governed by the version of the Agreement in effect on the date of use.
Please also read carefully IRYSS’s Terms of Service at https://www.iyrss.com/legal/terms or any successor URL (the “Terms of Service”), and IRYSS’s Privacy Policy at https://www.iryss.com/legal/privacy or any successor URL (the “Privacy Policy”).
No Warranties. IRYSS makes no warranties, expressed or implied, as to accuracy, completeness, or results obtained from any information on the Site or through the Services. The Services simplifies assumptions derived and/or obtained from historical data that are used to create assumptions about potential investment returns. The Services uses historical data with respect to investment returns and various other financially related products, concerns, issues, budget(s), income, assets, liabilities and potential returns on investments on a going forward basis (the “Information”). Be advised that actual returns, whether on investments or with respect to any and all information derived or obtained by, through, from or on the Services may vary widely. Any and all such Information, statistics, historical data, assumptions or the like, are not necessarily indicative of future returns or any particular or potential outcome, financially or otherwise. Other assumptions and data used by IRYSS, the Information, as well as input provided by a User, assumptions, information, data, statements, documents, whether financially related or otherwise, provided by or on behalf of any User may vary substantially or substantially differ than the actual return(s), investment objectives, goals or actual values, achieved, realized, obtained or the like, now or on a foregoing basis.
No Reliance. IRYSS makes no claim, warranty, guaranty, or the like, express or implied, as to the accuracy, completeness, potential or actual results or returns, whatsoever. By using, accessing or viewing the Site or the Services, the User hereby acknowledges, understands and agrees that the User or Users shall not rely, whatsoever, on the Information.
IRYSS Does Not Provide Legal, Tax, Accounting, Investment or Financial Advice. No User should, will or intends to, rely on IRYSS as the primary basis for making any investment, financial, or tax planning decision(s), plans or the like.
IRYSS does not provide legal, tax, accounting, investment or financial advice.
Before making any decision that does, may or may tend to relate to any legal, tax, accounting, investment or financial ramifications or implications, the User agrees, warrants and acknowledges that the User must and shall consult with a duly licensed investment advisor, attorney, certified financial planner, certified accountant, attorney, FINRA licensed broker-dealer or registered investment advisor and any other appropriate, duly licensed professional for advice and/counsel prior to making any such related decision or taking any such related action, whether directly or indirectly related to the User’s specific financial, legal, tax or personal status, in all respects.
Circular 230. Any income tax, estate tax or gift tax advice contained within the Site or Services was not intended or written to be used for, and cannot be used for, the purpose of avoiding penalties that may be imposed.
No Financial Advice Provided; No Fiduciary Duty Created, Established Or Owed. User hereby agrees, acknowledges and warrants that User is solely responsible for all purchases, orders, investment, budgetary and any other financial, legal or tax related decisions or actions (“Decisions”). User further agrees, acknowledges and warrants that any and all Decisions are the sole and exclusive determination(s) of the User. The Site, Services, and IRYSS may and at times, does, provide data, information or content whether directly, indirectly or as provided by other parties relating to investment strategies, returns, and/or opportunities to buy and/or sell securities, the User shall not construe any such content as tax, legal, financial, or investment advice. Users hereby represents that any Decision is based solely on User’s consideration of the risks involving every determination, decision, with respect to a particular security, Decision or action that the User decides to take or intentionally, knowingly, recklessly or negligently takes or fails to take at the User’s sole and exclusive risk. The User agrees, acknowledges and warrants that all investments involve a degree of risk and thus, User acknowledges and agrees that User is solely responsible for determining the suitability of an investment or strategy and accept the risks associated with such decisions that may include the risk of complete loss of User’s principal. The Site, Services, and/or IRYSS do not, shall not, nor is there, any special relationship with or fiduciary duty to User. User agrees and acknowledges that User is solely responsible for conducting legal, accounting or due diligence review. User is hereby advised to consult with a licensed legal or accountant professional and investment advisor for any legal, tax, insurance, or investment advice. The Site or Services merely provides User with access to and the use of the Site or Services for User to consider potential investment and/or financial decisions.
User Generated Or User Provide Content And Information. Information provided by User relating to or in regards to User’s assets, liabilities, goals, accounts, and other assumptions are key and critical information and data used by IRYSS within IRYSS’s calculators and as part of IRYSS’s analysis, processes and overall are Services, that are used by the Services to create certain assumptions. IRYSS does not review the Information, data, financial statements, documents or other information provided by a User or any group of Users. The information provided by the User should be reviewed periodically and updated whenever there is a change in information or circumstances. All of the information provided by the User is not a substitute for the information within official account statements provided to User by User’s account custodians.
Data Obtained From Third Parties. IRYSS uses data obtained from third-parties including, but not limited to, Morningstar and Yodlee. IRYSS cannot guarantee the accuracy or timeliness of that data. IRYSS does not endorse the accuracy, timeliness, or completeness of information and data from third-party sources.
General Limitations; Limited Assumptions. Any information generated by IRYSS is hypothetical, does not reflect actual investment results, and does not guarantee future results. Assumptions about historical investment returns, inflation and tax rates, as well as the input and assumptions that User provide, such as current and future income and expense estimates are inherently uncertain and introduce uncertainty in the calculations. Even small changes in these inputs and assumptions may have a significant impact on the results. The hypothetical results generated by IRYSS may vary over time and with each use. As investment returns, inflation, taxes, and other economic conditions vary from the IRYSS assumptions; User provided input and User provided assumptions, User’s actual results will vary (perhaps significantly) from those presented in the Site or Services.
Asset Classes; Limitations. IRYSS considers investments in only a few asset classes including U.S. Large Growth, U.S. Large Value, U.S. Mid cap, U.S. Small Cap, International Equities, Emerging Markets, Real Estate, U.S. Government Bonds, U.S. Corporate Bond, U.S. High Yield, International Bonds, Cash and Other. These asset classes are not specific securities, funds or investment products. It is important to note that the broad asset classes used are not comprehensive and other investments, funds, strategies, vehicles or the like, that are not considered nor contemplated, may have characteristics that are similar or superior to the asset classes used in IRYSS. Also, User may have aggregated assets that IRYSS is unable to classify in IRYSS asset classes. These are included in the other asset class. Therefore, IRYSS’s cannot not provide a full, complete or accurate depiction, analysis or the like of any User’s financial situation and/or goals or provide any warranty, express or implied, or warranty as to such information.
Fees And Expenses; Calculations And Exclusions. Any and all hypothetical returns produced or generated by the Site or Services are calculated AFTER deducting fees and portfolio expenses. Fees and portfolio expenses are provided by Users or from third party vendors, if and when such information is available. IRYSS cannot and does not guarantee the inclusion, completeness or accuracy of the fees, or portfolio expenses provided by User or as provided or calculated by IRYSS.
Insurance, Annuities And Other Related Calculations. IRYSS may include Life insurance, annuity or other products in the calculation. The return or returns of any such life insurance product, annuity or other product, as may be included in the calculation, are hypothetical and shall not be used as proxy, replacement for nor construed as, actual performance of the product or to predict or project investment results of those products. Product fees, expenses, and detailed features may not be completely included and modeled in the calculation.
Taxes; Limited Accounting. IRYSS includes limited accounting for taxes. Federal and state income tax laws are extremely complex and subject to continuous change. IRYSS calculates taxes based on User input, inflation and other assumptions used by IRYSS as well as limited approximation of current federal and state tax laws. Future tax laws may be significantly different from current tax laws.