docs/about/disclaimer.md

Rama main · réplica de lectura del repositorio original.

# Disclaimer

**This software is not financial advice, and it is not tax advice.**

It performs arithmetic on numbers you give it. It does not know your
circumstances, it has never met your accountant, and it has no opinion about
what you should buy or sell.

## Specifically

- **Every figure is your responsibility to check.** Prices come from a free,
  unofficial source that will occasionally be wrong, late, or missing. Trades
  are whatever you or an importer put in.
- **The tax calculations implement rules as the authors understood them.** FIFO
  parcel matching, the CGT discount, financial-year boundaries and franking
  credits are implemented in good faith and tested against worked examples —
  but they are general rules applied to a general case, and tax is neither.
- **Australian rules only.** Financial years run July to June, capital gains
  use Australian rules, and franking credits are an Australian concept. If you
  are taxed elsewhere, the tax pages do not apply to you.
- **The rules change on 1 July 2027.** The 50% CGT discount gives way to
  indexing the cost base, and gains from then carry a 30% minimum tax. This
  version indexes as the authors read the Act, valuing a holding at the last
  close before 1 July 2027 until the Minister sets another method, and works out
  the minimum tax at the one income tax rate you give it. See
  [Capital gains from 1 July 2027](../guides/index.md#capital-gains-from-1-july-2027).
- **Use the exports as a starting point for your accountant, not as a lodgement.**

## No warranty

This software is provided "as is", without warranty of any kind, express or
implied. The authors are not liable for any claim, damages or other liability
arising from its use — including financial loss, an incorrect tax return, or a
decision made on a number this app displayed.

See the LICENSE file for the full terms.

## If a number looks wrong

It might be. Please [open an issue](../contributing/index.md) with enough
detail to reproduce it — the trades involved (amounts changed if you prefer),
what you expected, and what you got. Errors in the tax logic are the highest
priority bugs this project has.