nogaflow

Disclaimer

Last updated: April 22, 2026 · ValleyDoesIt LLC

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NogaFlow is an AI-Powered Financial Insights Tool
NogaFlow is an AI-powered financial insights tool — not a licensed financial advisor. Our AI observes your spending patterns and surfaces opportunities to help you save and manage money better. It does not provide investment, tax, or legal advice. Always consult a qualified professional for important financial decisions.

1. No Financial Advice

NogaFlow is a personal finance tracking tool, not a licensed financial advisor, investment advisor, broker-dealer, or financial planner. ValleyDoesIt LLC is not registered with the SEC, FINRA, or any state securities regulator.

All content displayed on NogaFlow — including budgets, spending breakdowns, cash flow summaries, and AI-generated recommendations — is for informational purposes only. It does not account for your complete financial situation, goals, risk tolerance, or tax circumstances.

2. AI Insights Disclaimer

⚠️ AI-generated insights are not financial advice
AI insights on NogaFlow (Pro plan) are automatically generated from your transaction data. They may be inaccurate, incomplete, or misleading. They are not personalized financial recommendations and should never be the sole basis for any financial decision. For investment, tax, or legal decisions, always consult a qualified professional.
  • AI outputs are based only on the transaction data you have connected
  • Results may contain errors, omissions, or outdated information
  • AI insights do not consider your complete financial picture
  • Past transaction patterns are not indicative of future results

3. Data Accuracy

NogaFlow displays financial data retrieved from third-party sources including Plaid and your connected financial institutions. We do not guarantee the accuracy, completeness, or timeliness of this data. Data may be delayed, incomplete, or subject to errors.

Always verify important financial figures directly with your bank or financial institution before relying on them.

4. Investment Risk

Any historical financial data, trends, or patterns shown in NogaFlow are based on your past transactions. Past financial patterns are not indicative of future results. NogaFlow makes no predictions about future income, expenses, market performance, or financial outcomes.

5. Third Parties

NogaFlow is not responsible for the accuracy, reliability, or practices of third-party services including Plaid, Stripe, and Anthropic. Use of these services is subject to their own terms and policies. We are not liable for any issues arising from third-party service outages, data errors, or policy changes.

6. Limitation of Liability

ValleyDoesIt LLC expressly disclaims all liability for any financial loss, damage, or harm — direct or indirect — arising from:

  • Reliance on any content, insight, or recommendation displayed on NogaFlow
  • Inaccurate or incomplete financial data retrieved from connected accounts
  • AI-generated summaries or budget suggestions
  • Errors, interruptions, or unavailability of the service
  • Any financial decision made using information from NogaFlow

7. Seek Professional Advice

Before making significant financial decisions, consult a qualified professional:

Certified Financial Planner (CFP)
Budgeting, retirement, and comprehensive financial planning
Certified Public Accountant (CPA)
Tax planning, filing, and accounting
Registered Investment Advisor (RIA)
Investment portfolio and asset management
Attorney
Estate planning, contracts, and legal matters

8. Contact

ValleyDoesIt LLC

Email: InfoNogaFlow@gmail.com