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Terms of Service

Last updated: January 2025

Agreement to Terms

By accessing or using the advice.ai website and services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

Description of Services

advice.ai provides an AI-powered wealth planning platform designed for ultra-high-net-worth (UHNW) multi-generational families and the professionals who serve them. Our platform offers:

  • Integrated family wealth ecosystem mapping
  • Knowledge graph visualizations
  • AI-powered insights and analysis
  • Multi-generational wealth planning tools
  • Collaborative features for advisory teams

User Accounts and Registration

Account Creation

To access certain features of our Services, you may be required to create an account. You agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your information as needed
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized access
  • Accept responsibility for all activities under your account

Eligibility

You must be at least 18 years old and have the legal capacity to enter into contracts to use our Services. By using our Services, you represent and warrant that you meet these requirements.

Acceptable Use

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree not to:

  • Violate any applicable laws or regulations
  • Infringe upon the rights of others
  • Transmit harmful code, viruses, or malicious software
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt the Services
  • Use automated systems to access the Services without permission
  • Impersonate others or misrepresent your affiliation
  • Collect or harvest information from other users

Intellectual Property Rights

Our Content

The Services, including all content, features, and functionality, are owned by advice.ai and are protected by copyright, trademark, and other intellectual property laws. You may not:

  • Copy, modify, or create derivative works of our content
  • Distribute, sell, or lease any part of the Services
  • Reverse engineer or attempt to extract source code
  • Remove or alter any proprietary notices

Your Content

You retain ownership of any content you submit to our Services. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, and process your content solely for the purpose of providing and improving our Services.

Professional Services Disclaimer

The Services are designed to assist wealth planning professionals and do not constitute:

  • Legal advice or legal services
  • Financial advice or investment recommendations
  • Tax advice or tax preparation services
  • Insurance advice or insurance services

Users should consult with qualified professionals before making any financial, legal, or tax decisions.

Data Security and Privacy

We implement reasonable security measures to protect your data. However, no system is completely secure. You acknowledge that you use our Services at your own risk. For more information about how we handle your data, please review our Privacy Policy.

Payment and Subscription Terms

If you purchase a subscription to our Services:

  • You agree to pay all applicable fees
  • Subscriptions automatically renew unless cancelled
  • Fees are non-refundable except as required by law
  • We may change pricing with advance notice
  • You are responsible for all taxes associated with your purchase

Disclaimers and Limitations of Liability

Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ADVICE.AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

Indemnification

You agree to indemnify, defend, and hold harmless advice.ai and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of or related to your use of the Services or violation of these Terms.

Termination

We may terminate or suspend your access to the Services immediately, without prior notice, for any reason, including if you breach these Terms. Upon termination:

  • Your right to use the Services will immediately cease
  • We may delete your account and data
  • Provisions that should survive termination will remain in effect

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles. Any disputes arising from these Terms or the Services shall be resolved through binding arbitration, except where prohibited by law.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the Services after such changes constitutes acceptance of the modified Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and advice.ai regarding the Services and supersede all prior agreements and understandings.

Contact Information

If you have questions about these Terms, please contact us at:

Email: legal@advice.ai
Website: advice.ai