Fair criticism, and I appreciate you saying it directly. The footer disclaimer ("not a bank, broker, or financial advisor") is mentioned on the page, and everything is based on pure math/statistics. Savings rate, emergency fund, goal progress and more. But you're right, even if /privacy and /terms are mentioned outside and within the app i should reinforce it so it can be much clearer. On data: hosted on Supabase (SOC 2 certified, encrypted at rest and in transit), no bank credentials ever requested, no data selling. I should have made that visible above the fold, not buried in a footer. Thanks for the push