Disclaimer

1. Not Professional Advice

CRITICAL:

BlackMirror.ie and its operators are NOT:

Financial advisors or planners
Tax professionals or accountants
Investment advisors
Career counselors
Legal professionals
Licensed professionals of any kind

All content is for informational and entertainment purposes ONLY. Do NOT make major life decisions based solely on our reflections without consulting qualified professionals.

2. AI-Generated Content Limitations

Our "reflections" and "escape routes" are generated by AI algorithms. They may:

Contain errors, oversimplifications, or inaccuracies
Not account for your unique circumstances
Miss important nuances of Irish tax law, employment law, etc.
Provide outdated information if regulations have changed
Offer generic suggestions that may not apply to you

3. Data Accuracy & Timeliness

While we use official Irish data sources (CSO, Revenue, Central Bank):

Benchmarks are population-level averages - your situation may differ significantly
Data may lag behind real-time economic changes
User-contributed data (for aggregate stats) may contain inaccuracies
Cost-of-living figures vary by exact location, lifestyle, and time

4. No Guarantee of Results

Following our "escape routes" does NOT guarantee:

Salary increases or job offers
Successful debt reduction
Achieving home ownership
Improved financial health
Any specific outcome

Results depend on countless factors beyond our control (economy, personal effort, market conditions, etc.).

5. Third-Party Links & Affiliates

We may link to or recommend third-party services (job sites, financial products, etc.):

We are NOT responsible for the quality, accuracy, or legality of these services
We may earn affiliate commissions, but this does not influence our recommendations
You engage with third parties at your own risk
Read their terms and privacy policies carefully

6. Individual Circumstances Vary

Your personal situation includes factors we cannot capture:

Health conditions affecting earning capacity
Family obligations and dependents
Disability or accessibility needs
Immigration status
Regional cost-of-living variations
Personal risk tolerance
Long-term goals and values

Our tools provide general insights - they CANNOT replace personalized professional advice.

7. No Liability for Decisions

By using BlackMirror.ie, you acknowledge that:

We are NOT liable for any financial, career, or personal decisions you make based on Platform content
You use the Platform at your own risk
We disclaim all warranties, express or implied
Our maximum liability is limited to €0 (the Platform is free)

8. Mental Health & Wellbeing

Our "brutal honesty" approach may be stressful for some users. If financial anxiety is affecting your mental health, please seek support:

Free counseling via MABS (Money Advice and Budgeting Service): www.mabs.ie
Mental health support via HSE: Mental Health Services
Samaritans helpline: 116 123 (free, 24/7)

9. Legal & Tax Compliance

We do NOT provide legal or tax advice. Irish tax law is complex and changes frequently:

Always consult Revenue.ie or a qualified tax professional
Our pension/savings calculations are estimates only
We are not responsible for tax liabilities arising from your decisions

10. Changes to Disclaimer

We reserve the right to update this disclaimer at any time without notice. Continued use of the Platform constitutes acceptance of any changes.

Bottom Line:

BlackMirror.ie is a tool for self-reflection and exploration. Use it to gain insights, identify potential areas for improvement, and start conversations with qualified professionals. Do NOT use it as your sole source of truth or decision-making authority.