Disclaimer

Last updated: May 2025

Please read this Disclaimer carefully. It applies to all content published on Finluxy.com and governs how you may rely on the information you find here.

1. Financial Information Disclaimer

All content published on Finluxy.com is intended for informational and educational purposes only. It is research and data journalism — not financial, investment, legal, accounting, tax, or insurance advice of any kind.

Luong Ngo, the author and operator of Finluxy.com, is not:

  • A licensed financial advisor or financial planner
  • A registered investment advisor (RIA) or broker-dealer
  • A certified public accountant (CPA) or tax professional
  • A licensed attorney
  • An insurance agent, broker, or underwriter
  • A mortgage professional or real estate licensee

Nothing on this Site should be interpreted as a recommendation to buy, sell, or hold any investment, security, insurance product, real estate, or other financial instrument. Data, benchmarks, and analysis published here reflect publicly available information and the author’s analytical interpretation of that data — they do not account for your individual financial situation, tax circumstances, goals, risk tolerance, time horizon, or any other personal factors.

All readers should consult a qualified, licensed financial, legal, or tax professional before making any financial decision. This applies regardless of the income level discussed or the apparent precision of any data presented.

2. No Personalized Advice

Finluxy.com does not offer and cannot provide personalized financial advice. There is no advisory, consultative, or fiduciary relationship between you and Finluxy.com or its author by virtue of your reading or using this Site. Reading an article on this Site does not create any professional relationship of any kind.

If you require guidance specific to your financial situation, please work with a licensed professional who can evaluate your individual circumstances.

3. Data Accuracy and Limitations

We make reasonable efforts to publish accurate, well-sourced data. However, all data on this Site is subject to the following limitations:

  • Data changes over time. Financial figures, tax rates, cost benchmarks, and economic data are updated periodically by source agencies. Figures published here may not reflect the most current release.
  • Third-party source errors. We rely on data from government agencies, academic researchers, and industry organizations. Errors in those source datasets will propagate to our articles.
  • Estimation and interpolation. Some figures involve estimation, interpolation, or aggregation across multiple studies. We flag this explicitly when it applies, but uncertainty is inherent in any quantitative analysis.
  • Geographic and individual variation. Benchmarks and averages presented on this Site may not reflect conditions in your specific location, industry, or household situation.
  • Past data does not predict future outcomes. Historical spending benchmarks, investment costs, and financial trends discussed here are descriptive — they do not constitute forecasts or guarantees of future results.

To report a data error, email [email protected] with the subject line “Correction Request.” We investigate all correction requests and update articles promptly when errors are confirmed.

4. Earnings and Results Disclaimer

Any financial figures, savings estimates, cost projections, or wealth benchmarks discussed on Finluxy.com represent averages, aggregates, or illustrative examples drawn from public datasets. They are descriptive of population-level data, not predictive of individual outcomes.

Individual results will vary — often substantially — based on personal income, location, tax situation, family structure, spending habits, financial decisions, market conditions, and many other factors. No strategy, product, approach, or benchmark mentioned on this Site carries any guarantee of financial results for any individual.

5. Affiliate and Advertising Disclaimer

Finluxy.com participates in affiliate marketing programs and displays advertising through Google AdSense. When you click certain links on this Site, we may earn a commission if you make a purchase or sign up for a service — at no additional cost to you.

Compensation received through affiliate programs and advertising does not influence our editorial analysis, data selection, conclusions, or the content of any article. We do not write favorable coverage in exchange for compensation. We do not alter our data or suppress findings to favor a partner’s product or service.

Articles that contain affiliate links include a disclosure at or near the top of the article. Our full policy is available on the Affiliate Disclosure page.

6. External Links Disclaimer

This Site contains links to external websites, including government databases, academic publications, industry reports, and affiliate partner sites. These links are provided for reference and convenience. We are not responsible for the content, accuracy, reliability, availability, or privacy practices of any external website. The inclusion of a link does not constitute endorsement of the linked site, its content, or its operators.

7. YMYL Acknowledgment

Google classifies financial content as “Your Money or Your Life” (YMYL) — content that, if inaccurate or misleading, could have a significant negative impact on readers’ financial wellbeing. We take this classification seriously. It is the reason we source all data from primary and authoritative sources, disclose our limitations explicitly, and recommend professional consultation for every significant financial decision.

We are a research and data journalism publication. We surface and contextualize publicly available financial data. We are not a substitute for professional financial guidance tailored to your situation.

Questions about this Disclaimer? Contact us at [email protected].