Legal

Disclaimer

Last updated: June 9, 2026

This Disclaimer applies to the Nalepa Labs Roth Conversion Calculator (the "Software" or the "Calculator") and to the website located at https://nalepalabs-tools.com (the "Site"), each provided by Nalepa Labs LLC ("Nalepa Labs," "we," "us," or "our"). By accessing the Site or installing, using, or relying on the Software, you ("you" or "Licensee") acknowledge and agree to the terms of this Disclaimer. Please read it carefully.

1. No Professional Advice

The Software and the Site are provided for general planning and informational purposes only. They do not constitute, and may not be relied upon as, tax, legal, financial, accounting, or investment advice, and nothing in the Software, the Site, or any output generated by the Software is intended to be a substitute for the independent professional judgment of a qualified advisor.

Nalepa Labs is not acting as your accountant, attorney, tax preparer, financial planner, investment adviser, or fiduciary. Use of the Software or the Site does not create any accountant-client, attorney-client, advisory, fiduciary, or other professional relationship between you and Nalepa Labs.

The Software is intended for use by professionals (including CPAs, enrolled agents, tax preparers, and financial advisors) who possess the knowledge and judgment necessary to evaluate its outputs. You remain solely responsible for any advice you provide to, and any decisions you make on behalf of, your own clients.

2. Outputs Are Estimates

The Software is a planning tool that produces estimates. All figures, projections, comparisons, and results generated by the Software are calculated using the Software's stated, rule-based tax assumptions for a particular tax year and are inherently approximate.

You acknowledge and agree that:

  • Outputs may not reflect your or your client's complete facts and circumstances, and the Software does not capture or account for every variable that may affect an individual's tax situation;
  • Tax laws, rates, thresholds, and rules change frequently and may differ from the assumptions used for any given tax year, and outputs may not reflect current or future law;
  • The Software does not provide a tax return, a filing, or a determination of any taxpayer's actual tax liability; and
  • Results are illustrative and should be treated as a starting point for analysis, not as a final answer.

3. Independent Verification Is Required

You are solely responsible for independently verifying every figure, assumption, and result generated by the Software before relying on it, acting on it, or presenting it to any client or third party. You must confirm each output against current law, authoritative source materials, and the complete facts of the relevant taxpayer.

The final determination of any tax, financial, or planning decision rests entirely with you and, where applicable, your client's chosen advisors. Nalepa Labs has no involvement in, and accepts no responsibility for, any conclusion you reach or any advice you give based in whole or in part on the Software.

4. How the Software Handles Your Information

The Software runs entirely within your web browser and operates fully offline. When you provide a prior-year IRS Form 1040 PDF to the Calculator, that document is parsed entirely on your own device and is never uploaded, transmitted, or sent to Nalepa Labs or to any server. The Software makes no network calls and requires no account or login. By design, the Software's parser reads only the dollar-amount (money-pattern) figures it needs from the Form 1040 and does not extract, capture, or store Social Security numbers, employer identification numbers, or other personal identifiers. No taxpayer information you process through the Software ever reaches Nalepa Labs.

This Disclaimer's references to cookies, analytics, or optional email collection apply only to the Site, which is a separate, ordinary website. The Site uses a cookie-consent banner and may collect an email address only if a visitor voluntarily opts in or contacts us. The offline Software does not use cookies or analytics of any kind.

5. Provided "As Is"; No Warranty

THE SOFTWARE AND THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NALEPA LABS DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, Nalepa Labs does not warrant or guarantee the accuracy, completeness, reliability, timeliness, or suitability of any output, calculation, assumption, or result produced by the Software, or that the Software or the Site will be error-free or uninterrupted.

6. Limitation of Liability

To the fullest extent permitted by applicable law, and as further described in the license terms that accompany the Software, in no event will Nalepa Labs be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or relating to your use of, reliance on, or inability to use the Software or the Site, even if Nalepa Labs has been advised of the possibility of such damages.

You assume full responsibility for your use of the Software and the Site and for any decisions, advice, or actions taken in reliance on their outputs. This Section is in addition to, and does not limit, any limitation of liability set forth in the End-User License Agreement (EULA) that accompanies the Software, which controls in the event of any conflict.

Nothing in this Disclaimer excludes, restricts, or limits any liability, warranty, or right that cannot be excluded, restricted, or limited under applicable law. The disclaimers and limitations in this Disclaimer apply only to the extent permitted by applicable law, and where a non-waivable right or remedy is required by law, that right or remedy is preserved.

7. Third-Party Trademarks

Names of third-party software, products, and services that may appear in or in connection with the Software or the Site — including, without limitation, CCH, Drake, UltraTax, Lacerte, ProSeries, TurboTax, and FreeTaxUSA — are the trademarks or registered trademarks of their respective owners. Any reference to such names is for identification and compatibility purposes only and does not imply any affiliation with, sponsorship by, or endorsement by their respective owners. Any reference to Holistiplan or other comparable products is solely for comparison and identification and likewise does not imply any affiliation, sponsorship, endorsement, or compatibility. Nalepa Labs is not affiliated with, authorized by, or endorsed by any of these third parties.

8. Changes to This Disclaimer

We may update, revise, or replace this Disclaimer from time to time at our sole discretion. When we do, we will change the "Last updated" date at the top of this document, and the revised Disclaimer will be effective as of that date. The version in effect is the one identified by the most recent "Last updated" date and posted on the Site. Your continued use of the Software or the Site after any update constitutes your acceptance of the revised Disclaimer.

9. Governing Law and Venue

This Disclaimer is governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute, claim, or controversy arising out of or relating to this Disclaimer, the Software, or the Site shall be brought exclusively in the state courts located in Palm Beach County, Florida, and the United States District Court for the Southern District of Florida, and you irrevocably consent and submit to the personal jurisdiction of, and venue in, those courts.

10. Severability

If any provision of this Disclaimer is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or, if it cannot be so modified, severed from this Disclaimer, and the remaining provisions shall continue in full force and effect.

11. Entire Agreement

This Disclaimer, together with the End-User License Agreement (EULA) and any other legal terms posted on the Site, constitutes the entire agreement between you and Nalepa Labs with respect to its subject matter and supersedes all prior or contemporaneous understandings, communications, and agreements, whether written or oral, relating to that subject matter. In the event of any conflict between this Disclaimer and the EULA, the EULA controls.

12. No Waiver

No failure or delay by Nalepa Labs in exercising any right, power, or remedy under this Disclaimer will operate as a waiver of that or any other right, power, or remedy, and no single or partial exercise of any right, power, or remedy will preclude any further exercise of it or the exercise of any other right, power, or remedy. Any waiver must be in writing and signed by Nalepa Labs to be effective.

13. Assignment

You may not assign, transfer, or delegate this Disclaimer or any of your rights or obligations under it, in whole or in part, without the prior written consent of Nalepa Labs, and any attempted assignment in violation of this Section is void. Nalepa Labs may freely assign or transfer this Disclaimer, in whole or in part, without restriction and without notice to you. This Disclaimer binds and inures to the benefit of the parties and their permitted successors and assigns.

14. Contact

If you have any questions about this Disclaimer, please contact us:

Nalepa Labs LLC 8198 S Jog Road, Suite 104 Boynton Beach, FL 33472 Email: info@nalepalabs.com