WealthAgent Terms of Service

1. Acceptance of these Terms

By creating an account, accessing WealthAgent, starting a subscription, using any Service, or clicking to accept these Terms, you agree to be bound by these Terms and by any additional terms presented for a specific feature or subscription. If you do not agree, do not access or use WealthAgent.

If these Terms conflict with additional terms that apply to a specific feature, plan, trial, promotion, or subscription, the additional terms will govern only for that feature, plan, trial, promotion, or subscription and only to the extent of the conflict.

If you use WealthAgent on behalf of another person, household member, client, or other third party, you represent that you have authority to do so and that your use complies with these Terms and all applicable laws, rules, professional standards, and regulatory requirements.

2. Definitions

In these Terms, "WealthAgent", "we", "us", and "our" mean WealthAgent. "You" and "your" mean the individual who accesses or uses the Services. "Services" means the WealthAgent services described above. "User Content" means information, data, assumptions, documents, notes, prompts, instructions, account details, client details, financial information, and other content that you provide, upload, enter, import, or authorize WealthAgent to process.

"Output" means any forecast, projection, simulation, recommendation, scenario, estimate, report, chart, calculation, explanation, AI-generated response, suggested strategy, or other material generated or displayed by the Services. "Professional subscription" means a subscription category separately made available by WealthAgent for legally authorized individual professionals to manage plans for other people. It is distinct from individual consumer tiers such as Standard, Plus, or Premium.

"Applicable Law" means all laws, statutes, regulations, rules, orders, regulatory guidance, professional standards, self-regulatory organization requirements, court orders, and governmental requirements that apply to you, your use of the Services, your User Content, your Output, or any service you provide to another person. "WealthAgent Parties" means WealthAgent and its owners, directors, officers, employees, contractors, licensors, agents, service providers, successors, and assigns.

3. Eligibility and individual use

WealthAgent is intended for individual users. You must be old enough to form a binding contract in your province, territory, state, or country of residence and must not be prohibited from using the Services under applicable law.

Each time you access or use the Services, you represent, warrant, and covenant that: you are using the Services only for a permitted purpose; all account information and User Content you provide is accurate, complete, lawful, and not misleading; you have all rights, authorizations, notices, and consents required to provide User Content to WealthAgent; and your use of the Services, User Content, and Output will comply with these Terms and Applicable Law.

Unless WealthAgent has provided written permission, accounts and subscriptions are personal to the named individual account holder. Financial institutions, banks, credit unions, securities dealers, portfolio managers, insurance agencies, trust companies, advisory firms, accounting firms, law firms, employer benefit plan sponsors, family offices, advisor teams, enterprises, and other non-individual users may not access or use the Services directly, through employees, through contractors, through shared credentials, or through automated systems.

4. No professional advice or fiduciary relationship

WealthAgent provides software, analysis, modelling, and informational Output only. We are not your financial planner, financial advisor, investment advisor, securities dealer, broker, portfolio manager, accountant, tax preparer, lawyer, estate planner, insurance advisor, pension advisor, fiduciary, trustee, agent, or representative.

The Services do not recommend that you buy, sell, hold, rebalance, borrow against, insure, contribute to, withdraw from, transfer, gift, bequeath, or otherwise transact in any security, account, asset, insurance product, pension option, tax strategy, estate structure, or financial product. Any Output is general, informational, and dependent on assumptions that may be incomplete, stale, inaccurate, unsuitable, or inapplicable to your circumstances.

You should consult qualified professionals before making financial, investment, legal, tax, accounting, insurance, estate-planning, pension, benefits, or other significant decisions. You remain solely responsible for determining whether any action is appropriate for you.

5. Forecasts, simulations, and AI Output

Forecasts, simulations, market assumptions, retirement projections, withdrawal sequences, tax estimates, inflation assumptions, longevity assumptions, cash-flow models, probability estimates, and AI-generated Output are for information and planning discussion only. They are not guarantees, promises, predictions, professional opinions, or assurances of future results.

Actual outcomes may differ materially from WealthAgent Output because of market conditions, interest rates, inflation, exchange rates, tax law changes, benefits law changes, pension rules, account fees, contribution limits, withdrawal rules, income changes, expenses, health events, family events, death, disability, data errors, model limitations, software errors, third-party data errors, or other factors.

AI-assisted features may produce inaccurate, incomplete, outdated, inconsistent, or unsuitable Output. You must independently review, verify, and validate all Output before relying on it or sharing it with anyone else.

You acknowledge that financial modelling is inherently uncertain and that the Services may use assumptions, approximations, third-party information, automated reasoning, or model parameters that do not reflect future facts, current law, all product terms, or all facts relevant to you or to any person for whom you create a plan.

6. Tax, estate, and legal limitations

Any tax-aware, estate-aware, benefits-aware, or legal-context Output is informational only and may not reflect your actual legal obligations, tax position, available deductions, credits, exemptions, filing requirements, probate exposure, estate administration costs, beneficiary designations, trust arrangements, family-law issues, creditor issues, or other relevant facts.

WealthAgent Output may be unsuitable or inaccurate for actual tax planning, tax filing, estate planning, will drafting, trust planning, beneficiary planning, charitable giving, corporate planning, pension elections, or other legal or professional planning purposes. You are responsible for obtaining professional advice and for all filings, elections, transactions, documentation, and decisions.

7. Your data and decisions

You are responsible for the accuracy, completeness, legality, and timeliness of all User Content and for keeping your assumptions current. WealthAgent may rely on User Content without independently verifying it.

You are solely responsible for all decisions, reliance, transactions, contributions, withdrawals, transfers, purchases, sales, filings, elections, instructions, disclosures, client communications, and financial outcomes that arise from or relate to your use of the Services. You assume the risk that Output may be wrong, incomplete, unsuitable, or unsuccessful.

8. Professional subscribers and client plans

You may use WealthAgent to create, manage, review, or share plans for another person only if you are an individual Professional subscriber and you are legally authorized to provide the applicable services in every jurisdiction where you operate and where your client, prospect, or other third party is located.

By using a Professional subscription, you represent, warrant, and covenant that you are not using the Services on behalf of a financial institution, advisory firm, dealer, insurer, employer, enterprise, or other organization except with WealthAgent's prior written permission, and that you will not permit any other person or organization to access the Services through your account.

Professional subscribers are solely responsible for maintaining all credentials, registrations, licences, permissions, insurance, supervision, firm approvals, title-use rights, exemptions, client agreements, disclosures, records, suitability processes, conflict-management processes, privacy consents, and other requirements that apply to their activities. This may include requirements for financial planning, securities advice, insurance advice, tax services, accounting services, legal services, estate planning, mortgage services, pension advice, benefits advice, or other regulated or professional activities.

Professional subscribers are solely responsible for obtaining legally valid client authorizations, privacy consents, engagement terms, disclosures, and instructions before entering, importing, processing, storing, sharing, or relying on any client or third-party information through the Services. WealthAgent is not a party to your client relationships and does not assume any professional, fiduciary, suitability, know-your-client, know-your-product, best-interest, supervisory, recordkeeping, disclosure, or compliance obligation owed by you or any firm, dealer, employer, principal, supervisor, or regulator.

A Professional subscriber must not represent that WealthAgent provides advice to the client or that WealthAgent endorses, supervises, approves, verifies, or is responsible for the Professional subscriber's advice, recommendations, reports, services, or conduct.

Professional subscribers must review all Output using independent professional judgment before sharing it with a client, prospect, household, regulator, court, accountant, lawyer, executor, trustee, insurer, dealer, employer, or other third party. Professional subscribers are responsible for all client-facing materials, client reliance, advice, documentation, and outcomes.

9. Unauthorized advice and misuse

You must not use WealthAgent to:

• provide financial planning, investment advice, tax advice, legal advice, estate advice, insurance advice, pension advice, benefits advice, or similar services to another person unless you are a Professional subscriber and legally authorized to do so;
• hold yourself out using a title, designation, credential, registration category, licence, or professional status that you do not lawfully hold;
• make guarantees about returns, tax savings, estate outcomes, retirement success, probability of success, withdrawal sustainability, or financial outcomes;
• use Output as a substitute for professional review, due diligence, client suitability review, know-your-client obligations, tax analysis, legal analysis, or regulatory compliance;
• share account credentials, bypass subscription limits, scrape the Services, reverse engineer the Services, interfere with security, or use automated systems without our written permission;
• upload unlawful, misleading, infringing, malicious, or unauthorized content, including third-party personal information that you do not have permission to use; or
• use the Services for unlawful, deceptive, abusive, harmful, exploitative, or regulatorily prohibited activity.

10. Accounts and security

You must provide accurate account information and keep it current. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You must promptly notify us if you believe your account, credentials, data, or subscription has been compromised or used without authorization.

You are responsible for implementing appropriate safeguards for devices, networks, browsers, passwords, authentication methods, exported files, printed reports, screenshots, and other records used in connection with the Services. You must not share credentials or permit access in a manner that would allow another person to use the Services as if they were you.

We may suspend, restrict, or terminate access if we believe your account has been compromised, used by an unauthorized person, used by an excluded institution, used for unauthorized advice, or used in a way that violates these Terms or applicable law.

11. Subscriptions, billing, and cancellation

Some Services require a paid subscription. Subscription features, limits, prices, billing periods, renewal terms, trial terms, and cancellation processes are presented at checkout, in account settings, or in other subscription materials. You authorize WealthAgent and its payment processors to charge applicable fees, taxes, and recurring subscription amounts using your selected payment method.

You are responsible for all applicable taxes, duties, levies, and similar governmental charges, except taxes based on WealthAgent's income. If a payment processor, app store, or other third party administers billing, your payment may also be governed by that third party's terms.

Unless required by applicable law or expressly stated in the applicable subscription terms, fees are non-refundable and cancellation stops future renewals rather than refunding past charges. If payment fails, we may downgrade, suspend, or terminate paid features.

We may change subscription features, usage limits, prices, billing methods, or plan names from time to time. Material changes will apply as described in the notice provided, subject to applicable law.

12. Privacy and third-party services

Our collection, use, disclosure, retention, and protection of personal information is described in our Privacy Policy. You must not provide personal information about another person unless you have all rights, consents, authority, and notices required by applicable law.

If you provide personal information about a client, spouse, dependent, beneficiary, household member, employee, or other third party, you are responsible for ensuring that the information was collected lawfully, that the person has received all required notices, and that WealthAgent may process the information for the purposes described in these Terms and the Privacy Policy.

The Services may depend on third-party providers, including identity, hosting, analytics, AI, payment, market-data, communication, and support providers. We are not responsible for third-party services, data, interruptions, errors, pricing, terms, security incidents, or acts or omissions, except to the extent required by applicable law.

13. Ownership and licence

WealthAgent and its licensors own the Services, including software, interfaces, designs, models, workflows, documentation, trademarks, trade names, graphics, templates, reports, non-user data, and other materials. These Terms do not transfer any ownership rights to you.

Subject to these Terms, WealthAgent grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to access and use the Services for your permitted use during the term of your account or subscription.

You retain ownership of your User Content. You grant WealthAgent a licence to host, process, transmit, display, reproduce, modify, and use User Content as needed to provide, secure, maintain, troubleshoot, improve, and support the Services and as otherwise permitted by these Terms and the Privacy Policy.

If you provide suggestions, requests, ideas, comments, or other feedback about the Services, you grant WealthAgent a perpetual, irrevocable, worldwide, royalty-free licence to use that feedback without restriction or compensation, provided that WealthAgent does not identify you as the source unless you consent or Applicable Law permits it.

14. Service availability and changes

We may modify, suspend, replace, discontinue, restrict, or remove any Service, feature, model, Output type, integration, subscription plan, or usage limit at any time. We do not guarantee that the Services will be uninterrupted, error-free, secure, current, complete, or available in every location.

The Services may include beta, preview, experimental, or limited-release features. Those features may be changed or withdrawn at any time and may be less reliable, less accurate, or subject to additional restrictions.

You are responsible for maintaining your own copies of records, reports, assumptions, client communications, and other materials that you need for legal, tax, accounting, professional, regulatory, or personal purposes.

15. Disclaimers

To the maximum extent permitted by applicable law, the Services and all Output are provided "as is" and "as available" without warranties, conditions, representations, or guarantees of any kind, whether express, implied, statutory, or otherwise. WealthAgent disclaims all warranties and conditions of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, availability, performance, suitability, professional quality, and results.

WealthAgent does not guarantee any investment return, financial return, tax saving, estate outcome, pension outcome, benefits outcome, insurance outcome, debt outcome, savings target, withdrawal sustainability, retirement date, probability of success, cash-flow result, net worth result, or other financial outcome.

No oral or written information, communication, report, support response, or Output provided by WealthAgent or any WealthAgent Party creates any warranty, representation, professional engagement, fiduciary duty, advisory relationship, or other obligation not expressly stated in these Terms.

16. Limitation of liability

To the maximum extent permitted by applicable law, the WealthAgent Parties will not be liable for any financial loss, investment loss, market loss, trading loss, lost return, lost opportunity, lost income, lost profit, lost savings, tax liability, tax penalty, interest charge, estate loss, probate cost, legal cost, accounting cost, insurance cost, pension loss, benefits loss, business loss, data loss, reputational harm, client claim, regulatory claim, or any indirect, incidental, consequential, special, exemplary, aggravated, or punitive damages arising from or relating to the Services, Output, User Content, third-party services, or these Terms.

To the maximum extent permitted by applicable law, the aggregate liability of the WealthAgent Parties for all claims arising from or relating to the Services or these Terms will not exceed the greater of the amount you paid to WealthAgent for the Services in the 12 months before the event giving rise to the claim and CAD $100.

These limitations apply regardless of the theory of liability, including contract, tort, negligence, strict liability, statute, equity, or otherwise, even if WealthAgent has been advised of the possibility of the loss and even if a limited remedy fails of its essential purpose. Nothing in these Terms limits liability that cannot be limited under applicable law.

17. Indemnity

To the maximum extent permitted by applicable law, you will defend, indemnify, and hold the WealthAgent Parties harmless from and against claims, losses, liabilities, damages, penalties, fines, costs, and expenses, including reasonable legal fees, arising from or relating to:

• your User Content, assumptions, instructions, decisions, transactions, or reliance;
• your misuse of the Services or violation of these Terms;
• your provision of unauthorized or unlawful advice to another person;
• your failure to maintain required credentials, registrations, licences, approvals, or consents;
• claims by your clients, prospects, household members, employers, firms, regulators, or other third parties;
• your breach of privacy, confidentiality, professional, fiduciary, regulatory, or legal obligations; or
• your Professional subscription use, client-plan management, reports, recommendations, or services.

We may control the defence and settlement of any indemnified matter. You must cooperate reasonably with our defence and must not settle any matter in a way that imposes liability, admission, obligation, or restriction on a WealthAgent Party without our prior written consent.

18. Suspension and termination

You may stop using the Services at any time. We may suspend, restrict, downgrade, or terminate your account, subscription, or access to any Service if you violate these Terms, fail to pay fees, create risk for WealthAgent or others, use the Services through an excluded institution, provide unauthorized advice, or use the Services in a way that may violate applicable law or professional standards.

Suspension, restriction, downgrade, or termination does not limit any rights or remedies available to WealthAgent and does not relieve you of obligations incurred before the effective date of the suspension, restriction, downgrade, or termination. We may retain or delete account data after termination in accordance with the Privacy Policy, our retention practices, and Applicable Law.

Sections that by their nature should survive termination will survive, including ownership, disclaimers, limitation of liability, indemnity, general terms, governing law, and any unpaid payment obligations.

19. Governing law

These Terms are governed by applicable Canadian law and the laws of the province or territory whose laws apply to your use of the Services, without regard to conflict-of-law rules. You and WealthAgent will bring claims in the courts or tribunals that have lawful jurisdiction over the dispute.

Consumer protection, privacy, securities, insurance, tax, professional regulation, and other laws may give you rights or impose obligations that cannot be waived. Nothing in these Terms excludes, restricts, or modifies those rights or obligations where doing so would be prohibited by applicable law.

20. Changes to these Terms

We may update these Terms from time to time. The updated Terms will be posted on this page with an updated effective date. If a change is material, we will provide notice as required by applicable law or through reasonable service channels. Your continued use of the Services after updated Terms take effect means you accept the updated Terms.

21. General terms

These Terms, together with the Privacy Policy and any additional terms incorporated by reference, constitute the entire agreement between you and WealthAgent regarding the Services and supersede all prior or contemporaneous understandings regarding the Services.

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect, and the invalid, illegal, or unenforceable provision will be enforced to the maximum extent permitted by law or replaced by an enforceable provision that most closely reflects the original intent.

Our failure or delay in exercising any right, power, or remedy under these Terms is not a waiver of that right, power, or remedy. Any waiver must be in writing and applies only to the specific instance identified in the waiver.

You may not assign, transfer, delegate, or sublicense these Terms, your account, or your right to access the Services without WealthAgent's prior written consent. WealthAgent may assign, transfer, delegate, or sublicense these Terms or any rights or obligations under these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, change of control, or operation of law.

Neither party will be liable for delay or failure to perform caused by events beyond that party's reasonable control, including acts of God, labour disputes, internet or hosting failures, utility failures, cyberattacks, war, terrorism, civil unrest, governmental action, natural disasters, public health events, or failures of third-party providers.

Headings are for convenience only and do not affect interpretation. The words "including" and "includes" mean "including without limitation." Notices may be provided by posting in the Services, email, account message, or another legally permitted method.

22. Contact

Questions about these Terms can be sent to [email protected]. Do not send passwords, full account numbers, or sensitive financial documents by email.