This Financial Disclosures document ("Disclosure") is provided by Boss Finances Inc. ("Boss Finances," "we," or "us") to help you understand the nature of our services, the limits of our role in your financial life, and the regulatory framework in which we operate. This Disclosure is incorporated into the Boss Finances Terms of Service and should be read together with the Terms and our Privacy Policy.
1. Purpose of This Disclosure
Boss Finances helps you track your money, understand your credit, manage your debt, build your savings, prepare for homeownership, and plan for generational wealth — through an educational platform powered by AI, data aggregation, and structured workflows. We are committed to total transparency about what we do and what we do not do.
2. What Boss Finances Is
- An educational platform that teaches personal finance principles and helps you apply them to your own situation.
- A software product that lets you connect your financial accounts (via Plaid or a similar provider) to see your full financial picture in one place.
- An AI coaching tool (Boss Money AI) that answers your financial questions, explains financial concepts, and points you to general strategies that may apply to your circumstances.
- A workflow automation tool that helps you prepare, send, and track credit bureau dispute letters, savings goal transfers, and debt payoff plans.
- A content publisher producing written and audio educational materials about personal finance.
- A marketplace operator that curates and refers members to third-party financial products, subject to the disclosures in Section 8.
3. What Boss Finances Is NOT
Not a Registered Investment Advisor
Boss Finances is not registered with the U.S. Securities and Exchange Commission ("SEC") or any state securities regulator as an investment advisor. We do not provide personalized investment advice. We do not manage assets on your behalf. We do not recommend specific securities, funds, or investment strategies tailored to your individual circumstances, goals, or risk tolerance.
Not a Broker-Dealer
Boss Finances is not a registered broker-dealer and is not a member of FINRA or SIPC. We do not execute trades, hold custody of investment assets, or facilitate the purchase or sale of securities on your behalf.
Not a Bank or Credit Union
Boss Finances is not a bank, credit union, or other depository institution. We do not hold customer funds, issue loans, accept deposits, or provide FDIC- or NCUA-insured accounts. When Boss Finances refers you to third-party banking or lending products, those products are offered and regulated by the applicable third-party institution.
Not a Credit Counseling Agency
Boss Finances is not a nonprofit credit counseling agency certified under Section 111 of the Bankruptcy Code or approved by the United States Trustee. We cannot provide the pre-filing credit counseling or pre-discharge debtor education certification required in connection with U.S. bankruptcy proceedings.
Not a Debt Settlement or Debt Management Company
Boss Finances does not negotiate with creditors on your behalf, does not offer debt settlement plans, and does not operate a debt management plan. We do not accept or hold funds to be paid to your creditors.
Not a Credit Repair Organization
Boss Finances is not a Credit Repair Organization within the meaning of the Credit Repair Organizations Act, 15 U.S.C. §§ 1679 et seq. ("CROA"). The Services include software tools that help you draft, send, and track dispute letters under rights you already have as a consumer under the Fair Credit Reporting Act. We do not represent or promise any particular change to your credit report or credit score, and we do not perform credit repair services on your behalf in exchange for payment. You retain sole responsibility for the content of any dispute letter you send.
Not a Licensed Tax, Legal, or Financial Advisor
Boss Finances does not employ or offer the services of licensed tax professionals, attorneys, or certified financial planners acting in those capacities. Information provided through the Services is for general informational and educational purposes only.
4. No Personalized Advice
The Services are general-purpose tools and educational materials. When you receive information from Boss Finances — including personalized-feeling outputs from Boss Money AI or product recommendations from our marketplace — that information is based on the data you provide, rules we have set, and models we have built. It is not a customized recommendation delivered by a licensed professional who owes you a fiduciary duty.
- Boss Money AI responses are generated by a large language model prompted with educational and compliance guardrails. Responses may be incomplete, out of date, or inapplicable to your specific facts.
- Calculators and simulators produce illustrative outputs based on simplified assumptions. Actual outcomes will vary.
- Goal recommendations are produced by rule-based systems and are intended as educational illustrations, not personalized advice.
5. Credit-Related Disclosures
5.1 Fair Credit Reporting Act (FCRA)
The FCRA gives you specific rights in connection with information reported about you to consumer reporting agencies, including the right to obtain a free annual credit report, the right to dispute inaccurate or incomplete information, and the right to have investigations completed within statutory timeframes. Learn more at consumerfinance.gov/learnmore.
5.2 Credit Dispute Automation
Boss Finances provides templates and workflow tools that help you prepare and send dispute letters under your FCRA rights. You, not Boss Finances, are the sender and signer of any dispute letter. You are solely responsible for the accuracy and truthfulness of statements made in any letter you send.
5.3 No Guarantee of Credit Score Improvement
Any references to possible credit score improvements reflect general principles and statistical averages. We do not guarantee any specific credit score outcome for any individual.
6. Bank Account Aggregation and Plaid
- Read-only access. Plaid provides Boss Finances with read-only access to your account data. We cannot initiate transactions through Plaid.
- Credentials are held by Plaid, not Boss Finances. Your bank username and password are entered into Plaid Link and are not shared with or stored by Boss Finances.
- Disconnect anytime. You can disconnect any account at any time from your settings.
7. AI-Generated Content
Boss Money AI is powered by a third-party large language model. Outputs may be incomplete or simplified, out of date, inconsistent with guidance from licensed professionals familiar with your situation, or factually mistaken in ways that may not be obvious. You should independently verify important claims, particularly claims about tax treatment, legal rights, eligibility for government programs, or specific actions you are considering.
Privacy of AI conversations. Messages you send to Boss Money AI are transmitted to the model provider's API for processing under contractual commitments not to train on your messages. See our Privacy Policy for details.
8. Affiliate Relationships and Compensation
Boss Finances may receive affiliate compensation when you sign up for certain third-party products through our marketplace. Categories where we may receive compensation include high-yield savings accounts, secured credit card issuers, student loan refinance companies, mortgage lenders and brokers, and term life insurance providers.
You owe us nothing for a referral. Affiliate commissions are paid to Boss Finances by the third-party provider. Our referral does not change the terms, pricing, or availability of the product as offered to you.
9. No Guarantees of Outcomes
Past performance, average results, and aggregate member statistics are not predictive of your individual outcomes. Financial decisions you make, even when informed by the Services, may not produce the outcomes you expect.
10. When to Consult a Licensed Professional
- Investment decisions involving meaningful sums — consult a Registered Investment Advisor (RIA) or fiduciary CFP.
- Tax planning for any non-routine situation — consult a CPA or enrolled agent.
- Estate planning — consult an estate planning attorney licensed in your state.
- Insurance decisions, especially life, disability, long-term care, or business insurance — consult a licensed insurance broker.
- Mortgage or lending decisions for major transactions — consult a licensed mortgage broker and/or real estate attorney.
- Significant credit or debt situations, including bankruptcy consideration, debt collection harassment, or identity theft — consult an attorney and consider contacting a non-profit credit counseling agency certified by the NFCC (nfcc.org).
11. Risk Acknowledgment
By using the Services, you acknowledge and accept the following risks:
- Financial decisions you make may not produce the outcomes you expect.
- Third-party financial products carry their own risks, including loss and fees.
- Market conditions, interest rates, tax laws, and credit standards change frequently; information in the Services may become outdated.
- AI-generated responses from Boss Money AI may contain errors or omissions.
12. Reporting Concerns
If you have concerns about our practices, you may also contact:
- Federal Trade Commission — reportfraud.ftc.gov
- Your state Attorney General's office
- Better Business Bureau — bbb.org
13. Changes to This Disclosure
We may update this Disclosure from time to time. When we make material changes, we will update the "Last Updated" date and notify you in accordance with our Privacy Policy and Terms of Service.
14. Contact Us
Email: legal@bossfinances.ai
Mail: Boss Finances Inc., Attn: Compliance, 777 Brickell Avenue, Suite 500, Miami, FL 33131, USA