Disclaimers

Simulation outputs and projections

ODOpt's retirement planner uses Monte Carlo simulation to model a range of possible future outcomes. These are probabilistic projections based on historical data and user-supplied assumptions — they are not predictions of future performance. Actual investment returns, inflation, tax rates, and legislation will differ from any modelled scenario.

Past performance of any asset class, index, or market is not a reliable indicator of future results. The correlation and return parameters used in the simulation engine are calibrated from historical data and may not reflect future market conditions.

A high success probability does not guarantee that a plan will succeed, nor does a low success probability guarantee failure. Outcomes depend on many factors outside the model, including changes in personal circumstances, tax law, and market behaviour.

AI assistant (Ask ODO)

Ask ODO is an AI-powered assistant designed to help you interpret your plan's computed outputs. Its responses are generated by a large language model and are limited to explaining and contextualising the data produced by ODOpt's calculation engine. Ask ODO does not have access to your personal financial history, assets held outside the platform, or any external data sources.

Ask ODO responses are not financial advice. They should not be relied upon as the basis for any financial, tax, or investment decision. AI-generated content may contain errors or omissions. Always verify important figures against the underlying tool outputs and seek professional advice where appropriate.

Tax calculations

Tax figures produced by ODOpt's tools are estimates based on the tax rules in force for the selected tax year, applied to the inputs you provide. They assume England and Northern Ireland tax treatment unless otherwise stated, and do not account for individual circumstances such as other income sources, benefits in kind not entered, prior-year losses, or HMRC adjustments.

Tax legislation changes frequently. You are responsible for verifying that the tax year rates used match current HMRC guidance, and for consulting a qualified accountant or tax adviser before acting on any tax estimate produced by this platform.

No warranties

The Service is provided on an "as is" and "as available" basis. We make no representations, warranties, or guarantees of any kind, whether express or implied, including (but not limited to) implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security, or accuracy.

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Service or any servers or systems used to provide it are free from viruses or other harmful components.

Limitation of liability

To the extent permitted by law, we are not liable for any indirect, incidental, consequential, or economic loss or damage, including (without limitation) loss of business, loss of profits, loss of data, or loss of opportunity, arising out of or in connection with your use of the Service or reliance on any output, projection, or AI-generated response it produces.

Nothing in these disclaimers excludes or limits our liability for death or personal injury caused by our negligence, or for any other liability that cannot lawfully be excluded under applicable law.