Version: v0 | Last Updated: July 10, 2026
1.1 These Terms of Service (these "Terms") govern your access to and use of the websites (including edwealth.ai), mobile applications, browser extensions, application programming interfaces, and all related products, features, tools, content, and services (collectively, the "Service") made available under the "EdWealth" brand, including the AI assistant "Ed".
1.2 References in these Terms to "EdWealth", "we", "us" or "our" mean the operator of the Service and its affiliates.
1.3 By accessing or using the Service, creating an account, or clicking to accept these Terms, you: (a) acknowledge that you have read and understood these Terms; (b) agree to be bound by these Terms and our Privacy Policy; and (c) make the representations set out in Section 4. If you do not agree, you must not access or use the Service.
1.4 Additional or supplemental terms, policies, guidelines, or disclaimers that we make available for particular features (including, without limitation, any third-party brokerage or account-linking disclaimer) ("Supplemental Terms") are incorporated into these Terms by reference. If a Supplemental Term conflicts with these Terms, the Supplemental Term prevails for the relevant feature.
1.5 We may amend these Terms at any time by posting the updated Terms on the Service. The updated Terms take effect when posted (or on any later date stated in them). Your continued use of the Service after the updated Terms take effect constitutes your acceptance of them. If you do not agree to an update, your sole remedy is to stop using the Service and close your account. It is your responsibility to review these Terms periodically.
2.1 In these Terms:
2.2 In these Terms: (a) "including", "for example", and similar expressions are illustrative and mean "including without limitation"; (b) headings are for convenience only and do not affect interpretation; (c) the singular includes the plural and vice versa; and (d) no rule of construction applies against us as the drafter of these Terms.
3.1 You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) and have full legal capacity to enter into a binding contract to use the Service. The Service is intended solely for use by individuals acting for their own personal, non-commercial purposes.
3.2 The Service is operated on a global, jurisdiction-agnostic basis. It is not directed at, targeted to, or intended to constitute an offer of any product or service to, residents of any particular jurisdiction, and we make no representation that the Service or any Content is appropriate, lawful, or available for use in any particular jurisdiction. You access the Service on your own initiative. Access to or use of the Service from any jurisdiction where the Service or any Content is unlawful is prohibited. You are solely responsible for ensuring that your access to and use of the Service complies with all laws, rules, and regulations applicable to you in each jurisdiction from which you access the Service, and you use the Service at your own risk in that regard.
3.3 We may, in our sole discretion and without notice, liability, or obligation to justify our decision, restrict, condition, suspend, or refuse the availability of the Service (in whole or in part) to any person, entity, device, IP range, or jurisdiction at any time, including where we consider it necessary or prudent for legal, regulatory, risk, or commercial reasons.
3.4 You must not access or use the Service if: (a) you are located, organized, or resident in a country or territory that is the subject of comprehensive economic sanctions or embargoes imposed by any applicable governmental authority; or (b) you are identified on, or owned or controlled by any person identified on, any applicable sanctions or restricted-party list. You must not use the Service for any purpose that would violate any applicable sanctions, export-control, anti-money-laundering, or counter-terrorist-financing laws.
3.5 We may (but have no obligation to) require identity or other verification from you at any time as a condition of continued access, and may suspend or terminate access pending or following any verification.
By using the Service, you represent, warrant, and undertake, on a continuing basis, that:
(a) you meet the eligibility requirements in Section 3 and none of the restrictions in Section 3.4 applies to you;
(b) all information you provide to us is and will remain true, accurate, current, and complete, and you will promptly update it as needed;
(c) you are acting solely for your own account and benefit, and not on behalf of, or for the benefit of, any other person or entity;
(d) you will not redistribute, republish, or repackage any Content, or use any Content to advise, solicit, or make decisions on behalf of any third party, whether or not for compensation;
(e) you understand and accept the nature of the Service and the acknowledgments in Sections 5 through 8, including that no Content is advice and that AI-generated output may be wrong;
(f) any funds you use to pay for the Service are lawfully obtained; and
(g) your use of the Service, and anything you submit to it, will comply with these Terms and all applicable laws.
5.1 The Service provides automated, technology-driven information, data, analytics, scores, alerts, summaries, projections, and organizational tools relating to financial markets and to your self-reported or linked financial information. ALL CONTENT IS PROVIDED FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY.
5.2 NOTHING ON OR THROUGH THE SERVICE CONSTITUTES — AND NOTHING SHOULD BE RELIED UPON AS — INVESTMENT, FINANCIAL, WEALTH-MANAGEMENT, TRADING, TAX, ACCOUNTING, LEGAL, INSURANCE, RETIREMENT, ESTATE-PLANNING, CREDIT, DEBT-MANAGEMENT, OR OTHER PROFESSIONAL ADVICE OF ANY KIND, OR A RECOMMENDATION, ENDORSEMENT, RATING, OPINION, OFFER, OR SOLICITATION TO BUY, SELL, HOLD, SUBSCRIBE FOR, OR OTHERWISE TRANSACT IN ANY FINANCIAL INSTRUMENT, OR TO PURSUE ANY INVESTMENT OR FINANCIAL STRATEGY. This applies to all Content, however presented, framed, or personalized, including any curated or ranked lists of Financial Instruments, entry, exit, target, or stop levels, earnings or performance projections, probability or confidence indicators, new-listing analyses, portfolio, concentration, or diversification analytics, financial-health or fitness scores, check-ups, calendars, plans, goals, briefs, signals, alerts, notifications, and any statement made by Ed in conversation, in each case whether or not it references your personal circumstances.
5.3 Personalization does not create advice. Content may be generated, selected, sequenced, or personalized using information you provide or that is retrieved from Linked Accounts, but it does not and cannot take into account the entirety of your financial situation, objectives, needs, or risk tolerance, is not an assessment of suitability or appropriateness for you, and is not a substitute for advice from a duly qualified and licensed professional who has done so.
5.4 No professional or fiduciary relationship. Your use of the Service (including any conversation with Ed) does not create any advisory, fiduciary, brokerage, intermediary, agency, trustee, professional-client, attorney-client, accountant-client, or similar relationship between you and us. We owe you no fiduciary, suitability, best-interest, or similar duty. Nothing in the Service, and no course of dealing, constitutes an assumption by us of any duty of care to you. Conversations with Ed are with an automated system, not a human professional, and are not subject to any professional privilege or duty of confidence beyond our Privacy Policy.
5.5 No duty to monitor, update, or warn. Content speaks only as of the time it is generated. We have no obligation to update, correct, or supplement any Content, to monitor your Linked Accounts, portfolio, plans, or goals, to detect or alert you to any risk, event, error, or opportunity, or to warn you of anything, even where the Service includes tracking, alerting, or notification features. Such features are provided on a best-efforts, as-available basis and may fail to trigger, trigger late, or trigger incorrectly.
5.6 Your decisions are yours alone. You are solely responsible for evaluating all Content and for every decision you make or refrain from making — including all investment, trading, tax, legal, insurance, borrowing, saving, spending, and other financial or personal decisions — and for all resulting outcomes and Losses. Before acting on anything you see on the Service, you should conduct your own research and consult a duly qualified and licensed professional in your jurisdiction.
5.7 The Service is not intended for use in connection with time-critical or emergency decision-making, and must not be used as the sole basis for any decision.
6.1 We are not, and do not hold ourselves out as: an investment adviser; a broker, broker-dealer, or introducing broker; a portfolio manager; a financial planner; a securities or futures dealer; a fund manager or collective-investment-scheme operator; a bank, deposit-taking institution, or credit institution; a money transmitter, payment institution, or money-services business; a custodian, trustee, or depositary; a Digital Asset exchange, wallet provider, or virtual-asset service provider; an insurance provider or intermediary; a credit-rating agency; a tax practitioner; or a law or accounting firm — in any jurisdiction. We are not registered or licensed with, supervised by, or approved by any securities, banking, financial-services, tax, or other regulator anywhere in the world, and no regulator has reviewed or approved the Service or any Content.
6.2 No custody; no execution. We never hold, receive, transmit, control, or take custody of your money, securities, Digital Assets, or other property. The Service cannot move money, transmit orders, execute, settle, or intermediate transactions, or access your Linked Accounts other than on a read-only basis (see Section 10). Any assets or balances displayed in the Service are held by your own financial institutions under your arrangements with them. Nothing in the Service is a deposit with us, and no deposit-insurance, investor-compensation, or similar protection scheme applies to anything we provide.
6.3 Not investment research. Content is not "investment research", a "research report", or an "analyst report" for the purposes of any law or regulation; it has not been prepared in accordance with any requirements designed to promote the independence of investment research; and it is not subject to any prohibition on dealing ahead of dissemination.
6.4 No offer or inducement. Nothing on the Service constitutes an offer, solicitation, inducement, invitation, financial promotion, or marketing of any Financial Instrument or of any regulated product or service, in any jurisdiction where such offer, solicitation, inducement, invitation, promotion, or marketing would be unlawful or would require any registration, licensing, approval, or filing that has not been obtained.
6.5 Regulatory change. Laws applicable to services like ours are evolving. We may modify, restrict, suspend, or discontinue the Service or any feature, in any jurisdiction, at any time, in response to actual or anticipated legal or regulatory developments, without notice or liability.
7.1 Content is generated in whole or in substantial part by artificial-intelligence systems, including large language models. AI-generated output is probabilistic in nature and may be inaccurate, incomplete, outdated, biased, misleading, internally inconsistent, or entirely fabricated (commonly known as "hallucinations"), even where it appears confident, precise, specific, or authoritative, and even where it cites sources, figures, or data.
7.2 Content is not reviewed or verified by any human professional before being made available to you. Content may not reflect current market conditions, current law or regulation, recent events, corporate actions, or your actual financial position (including where Linked Account data is delayed, incomplete, or misread, or where uploaded documents are misrecognized). Any predictions, projections, forecasts, probability or confidence indicators, targets, ranges, scores, or estimates are automated statistical outputs, not statements of fact, not measurements, and not promises or guarantees of any outcome or accuracy.
7.3 The quality of Content depends on the information available to the Service. If information you provide (or that is retrieved at your direction) is inaccurate, incomplete, or outdated, Content based on it will be unreliable. We have no obligation to detect errors in your inputs.
7.4 You must not rely on any Content without independent verification from authoritative sources. We make no representation or warranty of any kind as to the accuracy, completeness, reliability, timeliness, quality, or fitness for any purpose of any Content.
7.5 Content may be similar or identical to output provided to other users, is not unique to you unless expressly stated, and may reflect design choices (such as brevity, tone, or depth settings) that omit material information.
7.6 Any historical or ongoing performance records displayed in the Service (including records of prior automated selections or predictions) are provided for transparency only, may be simulated, hypothetical, incomplete, or unaudited, do not account for fees, taxes, slippage, or execution feasibility, and are not indicative or predictive of future results. No representation is made that any user has achieved or will achieve results similar to any displayed performance.
8.1 You acknowledge, accept, and assume all risks arising out of or in connection with your use of the Service and any decision you make in connection with it, including: (a) market risk — prices of Financial Instruments rise and fall, and you may lose some or all of any amount invested; (b) Digital Asset risk — Digital Assets are exceptionally volatile and speculative, may become illiquid or worthless, are subject to evolving and uncertain regulatory treatment, custody and cybersecurity risks, protocol and technology failures, and exchange or counterparty insolvency, and Digital Asset holdings are generally not covered by any deposit-insurance or investor-compensation scheme; (c) AI risk — the risks described in Section 7; (d) data risk — the risk that market data, Linked Account data, or other third-party data displayed in the Service is delayed, incomplete, or wrong; (e) technology risk — interruptions, outages, errors, data loss, and security incidents; and (f) legal, tax, and regulatory risk in your jurisdiction, including the tax consequences of your decisions.
8.2 You acknowledge that we have given you no assurance, guarantee, or representation as to any outcome, return, saving, score improvement, goal achievement, or other result from using the Service.
9.1 The Service displays data and content sourced from third parties, including exchanges, market-data providers, index providers, financial-data aggregators, news sources, and public filings. Such data and content may be delayed, incomplete, inaccurate, or discontinued at any time, is provided "as is" without warranty of any kind, and may not be relied upon for trading or any other purpose. We do not verify third-party data or content and accept no responsibility for it.
9.2 Market data is provided for your personal, non-commercial use only. Your use of certain market data may also be subject to the terms of the relevant exchange or data provider, which you agree to comply with, and which may be enforced by those providers directly.
9.3 The Service may contain links to third-party websites or resources. We provide them for convenience only, do not endorse them, and are not responsible for their content, products, or services.
10.1 The Service allows you, at your option, to connect Linked Accounts through third-party connectivity providers (for example, data aggregators using OAuth-based authorization) or through API credentials you supply, in order to display and analyze your balances, holdings, and transactions within the Service.
10.2 By connecting a Linked Account, you: (a) represent that you are the account holder or otherwise have full authority to grant the access concerned; (b) authorize us and the relevant connectivity provider to access, retrieve, and process information from that account on your behalf, and appoint us and the connectivity provider as your agents for that limited purpose; and (c) agree that your institution may treat that access as authorized by you.
10.3 Linked Account access is read-only. The Service does not offer any functionality to move money; place, execute, modify, or cancel trades or orders; initiate payments, transfers, or withdrawals; or effect any transaction in or from any Linked Account.
10.4 Where Linked Accounts are connected through an OAuth-based connectivity provider, you authenticate directly with your financial institution or the connectivity provider, and your login credentials are not received or stored by us. Where you supply API credentials, you are solely responsible for generating them with read-only permissions only, for keeping them secure, and for revoking them if compromised; we are not responsible for any consequence of credentials configured with broader permissions than read-only. You may disconnect any Linked Account at any time in the Service settings.
10.5 Connectivity providers and your financial institutions are third parties. Their services are governed by their own terms and privacy policies, and we are not responsible for their acts, omissions, availability, security, data handling, or the accuracy of the data they supply.
10.6 Not a system of record. Balances, holdings, valuations, and transactions displayed in the Service may be delayed, cached, estimated, converted between currencies at indicative rates, or otherwise inaccurate, and may not reflect the actual state of your accounts. The Service is not a system of record and is not a substitute for the statements and records of your financial institutions, which prevail in all cases. You are responsible for maintaining your own records, including any records required for tax or regulatory purposes.
11.1 You must provide accurate and complete registration information and keep it up to date. You may register only one account, for your own personal use. Accounts are personal to you and may not be sold, transferred, lent, or shared.
11.2 You are responsible for maintaining the confidentiality of your credentials and for all activity occurring under your account, whether or not authorized by you. Notify us immediately at support@edwealth.ai of any suspected unauthorized use. To the fullest extent permitted by law, we are not liable for any Losses arising from unauthorized use of your account.
11.3 We may refuse registration, decline to offer the Service, or impose conditions on any account, in our sole discretion.
12.1 Parts of the Service are offered free of charge and parts require a paid subscription or purchase. Features, tiers, pricing, and inclusions are described in the Service and may change from time to time.
12.2 Payments may be processed through the Apple App Store, Google Play, third-party payment processors (such as Stripe), or any other payment method we make available from time to time. Billing, renewal, cancellation, and refund handling are governed by the terms of the platform or payment provider through which you purchased, in addition to these Terms. For subscriptions purchased through an app store, you must manage and cancel the subscription through that app store; we cannot manage app-store billing on your behalf.
12.3 Subscriptions renew automatically for successive periods at the then-current price unless cancelled before the end of the current period. Cancellation takes effect at the end of the current billing period; access continues until then; no pro-rated or partial-period refunds are given.
12.4 We may change prices, tiers, features, and inclusions prospectively. Price changes to an existing subscription take effect from the next renewal after reasonable notice. Your sole remedy if you do not accept a change is to cancel before it takes effect.
12.5 Usage limits and allowances. Access to features (on both free and paid plans) may be subject to usage limits, quotas, or allowances (however described in the Service). Such limits and allowances: (a) are provided at our discretion as a feature of the Service and are not money, property, credit, loyalty points, or a stored value of any kind; (b) have no cash or monetary value and are not redeemable, refundable, exchangeable, or transferable; (c) may expire, including on a periodic basis, without notice or compensation; and (d) may be modified, reduced, or withdrawn by us at any time without liability. Unused limits and allowances lapse on expiry, cancellation, or termination.
12.6 To the fullest extent permitted by applicable law, all payments are final and non-refundable, except where a refund is required by non-waivable applicable law or by the policies of the app store or payment platform through which you purchased. Without limiting the foregoing, no refund or credit is due for unused features or allowances, dissatisfaction with Content, changes to the Service, or suspension or termination of your account for breach.
12.7 You are responsible for all taxes, duties, and charges (other than taxes on our income) arising from your purchases, and for your own tax reporting in connection with your use of the Service and your financial affairs.
12.8 We may suspend paid features without liability where a payment is unpaid, reversed, or charged back. You are responsible for our reasonable costs of collecting overdue amounts.
13.1 "User Content" means all information and material you provide to the Service, including your messages and conversations with Ed, information provided during onboarding or in your profile, documents, screenshots, images and files you upload, goals, plans, and progress updates you create, and data retrieved from Linked Accounts at your direction.
13.2 You retain ownership of your User Content. You grant us a worldwide, non-exclusive, royalty-free, sublicensable (including to our service providers) license to host, store, reproduce, process, transmit, analyze, adapt, create derivative works of (such as summaries, extractions, and structured representations), display, and otherwise use your User Content for the purposes of operating, providing, personalizing, securing, maintaining, and improving the Service, complying with law, and enforcing these Terms. Use of personal data is further described in our Privacy Policy.
13.3 You represent and warrant that you own or have all necessary rights, consents, and permissions to your User Content (including in respect of any third party's information contained in it) and that it does not violate any law or any third party's rights. You must not submit to the Service any information you are not entitled to disclose, including other people's personal or account information without authority.
13.4 Uploaded files and images can be viewed, managed, and deleted by you in the Service (including in the in-app vault), and Linked Account authorizations can be revoked at any time, as described in the Service and our Privacy Policy. We may impose size, format, retention, and volume limits on uploads, and may delete User Content following account closure or termination in accordance with our Privacy Policy and retention practices. We have no obligation to store, back up, or return User Content, and you should retain your own originals.
13.5 Sharing features. The Service may allow you to generate shareable content, such as milestone or progress cards and shareable links to conversations with Ed. Anyone with access to shared content or a shared link may view, copy, and redistribute it, and shared links may be forwarded beyond your intended audience. Certain data may be redacted or de-sensitized in shared formats as described in the Service, but redaction is limited to what is described, may not remove everything you would consider sensitive, and you are solely responsible for reviewing shared content before sharing and for what you choose to share and with whom. Once shared, we cannot control further dissemination, and we have no obligation to monitor shared content. We may disable, expire, or remove shared content or links at any time without notice.
13.6 We may (but have no obligation to) monitor, review, screen, or remove User Content, and may remove or refuse any User Content that we consider to violate these Terms or applicable law, without notice or liability.
13.7 Aggregated and de-identified data. We may create, derive, and use for any lawful purpose (including analytics, benchmarking, service improvement, and commercial purposes) data that is de-identified, anonymized, or aggregated such that it does not identify you, and we retain all rights in such data.
14.1 The Service and all Content (excluding your User Content), including all software, models, algorithms, prompts and model configurations, interfaces, designs, text, graphics, audiovisual elements, data compilations, databases, trademarks, logos, and branding, are owned by us or our licensors and are protected by intellectual-property and other laws. We grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service and Content solely for your own personal, non-commercial use in accordance with these Terms. All rights not expressly granted are reserved. Nothing in these Terms transfers any ownership to you.
14.2 You may not (and may not assist or permit any third party to): (a) copy, reproduce, republish, frame, redistribute, sell, rent, license, or otherwise commercially exploit the Service or any Content; (b) access or use the Service or Content to provide, or incorporate them into, any product or service for third parties, including any advisory, signal, research, or content service; (c) scrape, crawl, harvest, mine, or extract data from the Service by any automated or systematic means, or circumvent any rate limits or technical restrictions; (d) reverse engineer, decompile, disassemble, or attempt to derive the source code, architecture, models, weights, prompts, or underlying components of the Service, except to the extent such restriction is prohibited by applicable law; (e) use the Service or any Content to develop, train, fine-tune, evaluate, or improve any software, model, or dataset, including any machine-learning or AI system; (f) probe, scan, or test the vulnerability of the Service, or breach or circumvent any security or authentication measure; (g) interfere with or disrupt the Service or impose an unreasonable load on our infrastructure; or (h) remove, obscure, or alter any proprietary notices.
14.3 If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable right to use and exploit them without restriction, attribution, or compensation.
14.4 You may not use our names, logos, or trademarks, or claim any affiliation, sponsorship, or endorsement by us, without our prior written consent.
You agree that you will not: (a) use the Service in violation of any applicable law or regulation, or for any fraudulent, deceptive, manipulative, or unlawful purpose, including market manipulation or insider dealing; (b) use the Service on behalf of, or provide access to, any third party, or use any account other than your own; (c) misrepresent your identity, impersonate any person, or provide false information; (d) upload or transmit malicious code, or content that is unlawful, infringing, defamatory, or harmful; (e) use the Service to make automated decisions affecting third parties, or hold out any Content as your own work or as advice to others; (f) use any robot, spider, or other automated means to access the Service, or attempt to circumvent any usage limit, paywall, or access control, including by creating multiple accounts; (g) resell, share, or syndicate access to paid features; (h) use the Service in a manner that could damage, disable, overburden, or impair it or interfere with any other user's use; or (i) encourage or enable any other person to do any of the foregoing. We may investigate suspected violations and cooperate with authorities.
If you believe content available through the Service infringes your intellectual-property rights, notify us at support@edwealth.ai with: (a) identification of the protected work; (b) identification and location of the allegedly infringing material; (c) your contact details; (d) a statement that you believe in good faith the use is unauthorized; and (e) a statement, made under penalty of perjury where applicable, that the information in your notice is accurate and that you are the rights holder or authorized to act for the rights holder. We may remove material, and may suspend or terminate accounts of repeat infringers, in our discretion.
Our collection, use, and sharing of personal information in connection with the Service is described in our Privacy Policy, which forms part of these Terms.
You consent to receive all communications, agreements, disclosures, notices, and records relating to the Service electronically, including through the Service, by push notification, or by email to the address associated with your account, and you agree that such electronic communications satisfy any legal requirement that communications be in writing. You agree that your electronic acceptance of these Terms has the same force as a handwritten signature. You are responsible for keeping your contact details current; a notice sent to the email address on your account is deemed received by you when sent.
We may make available features identified as alpha, beta, preview, experimental, or similar. Such features are provided for evaluation, may be modified or withdrawn at any time, may be less reliable than other parts of the Service, and are provided "as is" to the maximum extent permitted by law, without any warranty or commitment of any kind, and are excluded from any service commitments that may otherwise apply.
20.1 The Service evolves continuously. We may add, modify, redesign, suspend, discontinue, or impose or change limits on any feature, Content type, plan, integration, or part of the Service, temporarily or permanently, at any time, with or without notice, and without liability to you. We do not commit to maintaining any particular feature, integration, data source, model, or level of output quality.
20.2 We do not warrant that the Service will be available, uninterrupted, timely, secure, or error-free. The Service may be unavailable due to maintenance (scheduled or unscheduled), failures of third-party providers, or events beyond our control. No service-level commitment applies to the Service.
21.1 The Service interoperates with third-party services (including sign-in providers, connectivity providers, market-data providers, payment processors, and app stores). We are not a party to your relationship with any third-party service, make no representation about them, and are not responsible for their services, terms, policies, or conduct.
21.2 If you download or use our app from the Apple App Store or Google Play: (a) these Terms are between you and us only, not with Apple Inc. or Google LLC, and Apple and Google are not responsible for the Service or its content; (b) your use of the app must comply with the applicable app store's terms of service and usage rules; (c) Apple and Google have no obligation to furnish maintenance or support for the app; (d) in the event of any failure of the app to conform to an applicable warranty (if any), you may notify the app store, which may refund the purchase price of the app to the extent provided by its policies, and, to the maximum extent permitted by law, the app store has no other warranty obligation with respect to the app; (e) the app store is not responsible for addressing any claims relating to the app, including product-liability, regulatory, or consumer-protection claims, or third-party intellectual-property claims; and (f) Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the iOS app, entitled to enforce them against you.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY, REPRESENTATION, CONDITION, OR GUARANTEE OF ANY KIND, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OR CONDITION OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, AVAILABILITY, OR FREEDOM FROM ERROR, VIRUS, OR HARMFUL COMPONENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE, OR TRADE. ALL SUCH WARRANTIES AND CONDITIONS ARE EXPRESSLY EXCLUDED AND DISCLAIMED. NO ORAL OR WRITTEN INFORMATION, CONTENT, OR STATEMENT OBTAINED FROM US OR THROUGH THE SERVICE (INCLUDING FROM ED) CREATES ANY WARRANTY, REPRESENTATION, OR COMMITMENT NOT EXPRESSLY STATED IN THESE TERMS.
23.1 TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE (INCLUDING OUR AFFILIATES AND OUR AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, SHAREHOLDERS, AGENTS, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS) SHALL HAVE NO LIABILITY WHATSOEVER, HOWEVER ARISING, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), MISREPRESENTATION, RESTITUTION, BREACH OF STATUTORY DUTY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH THE SERVICE, ANY CONTENT, OR THESE TERMS, including without limitation any liability for: (a) any investment, trading, tax, or other financial or personal decision made or not made by you or any other person, and any resulting Losses, missed gains, or adverse outcomes; (b) any inaccuracy, incompleteness, error, delay, or omission in any Content or data, including AI-generated output, market data, and Linked Account data, and any failure, delay, or error of any tracking, signal, alert, or notification feature; (c) any indirect, incidental, special, consequential, punitive, or exemplary damages, or any loss of profits, revenue, savings, investments, goodwill, opportunity, anticipated savings, or data, in each case even if advised of the possibility; (d) any act or omission of any third party, including connectivity providers, financial institutions, exchanges, data providers, app stores, and payment processors; (e) any unavailability, interruption, modification, suspension, or discontinuation of the Service or any feature; (f) any unauthorized access to or use, alteration, corruption, or loss of your data, transmissions, or User Content; and (g) anything you share through the Service or any third party's use of shared content.
23.2 IF AND TO THE EXTENT THAT, NOTWITHSTANDING SECTION 23.1, LIABILITY ON OUR PART CANNOT BE EXCLUDED UNDER APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE, ANY CONTENT, OR THESE TERMS, HOWEVER ARISING, SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM AND (B) US$100.
23.3 Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (such as liability for fraud, or for death or personal injury caused by negligence, where such limitation is not permitted). Where a jurisdiction does not allow certain exclusions or limitations, those exclusions and limitations apply to the maximum extent permitted there, and the invalidity of any exclusion or limitation does not affect the others.
23.4 The exclusions and limitations in Sections 22 and 23: (a) apply notwithstanding any failure of essential purpose of any limited remedy; (b) reflect the allocation of risk between the parties on which the availability and pricing of the Service are based, and are fundamental elements of the basis of the bargain between you and us — the Service would not be provided to you (or would not be provided at the same price) without them; and (c) apply to the benefit of each of the persons referred to in Section 23.1, each of whom may enforce them.
23.5 Sole remedy. To the fullest extent permitted by applicable law, your sole and exclusive remedy for any dissatisfaction with the Service, any Content, or these Terms is to stop using the Service and close your account. You agree that you will not seek, and hereby waive to the fullest extent permitted any right to obtain, injunctive or other equitable relief that would restrain or interfere with the operation, provision, or exploitation of the Service.
23.6 Time bar. To the extent permitted by applicable law, any claim arising out of or relating to the Service, any Content, or these Terms must be commenced within one (1) year after the cause of action accrues; otherwise it is permanently barred.
To the fullest extent permitted by applicable law, you release and forever discharge us, our affiliates, and our and their directors, officers, employees, shareholders, agents, contractors, licensors, and service providers from all claims, demands, and Losses of every kind, whether known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way connected with: (a) any financial, investment, trading, tax, or other decision made by you or any other person in connection with the Service or any Content; (b) any market movement, event, or condition; (c) the acts or omissions of any third party, including financial institutions, connectivity providers, and other users; and (d) any content shared by you or by others through the Service. To the extent any law limits the effectiveness of a general release of unknown claims, you waive the benefit of that law to the maximum extent permitted.
25.1 You agree to indemnify, defend, and hold harmless us, our affiliates, and our and their directors, officers, employees, shareholders, agents, licensors, and service providers (the "Indemnified Parties") from and against all claims, demands, actions, proceedings, investigations, and Losses (including reasonable legal fees and costs) arising out of or relating to: (a) your access to or use of, or inability to use, the Service or any Content; (b) your User Content or anything you share through the Service; (c) your breach of these Terms or of any representation or warranty in them; (d) your violation of any applicable law or the rights of any third party; (e) any financial, investment, tax, or other decision or transaction made by you or by any person who obtained Content through your account; and (f) any Linked Account, including any dispute with your financial institution or connectivity provider.
25.2 We may, at our election, assume the exclusive defense and control of any matter subject to indemnification by you (at your expense), in which case you agree to cooperate fully. You may not settle any such matter in a manner that imposes any obligation or admission on any Indemnified Party without our prior written consent.
25.3 For the avoidance of doubt, we provide no indemnity of any kind to you under these Terms.
26.1 You may stop using the Service and close your account at any time through the Service or by contacting support@edwealth.ai.
26.2 We may suspend, restrict, or terminate your access to all or part of the Service at any time, with or without cause and with or without notice, including for: suspected breach of these Terms; suspected unlawful, fraudulent, or abusive activity; risk to us, the Service, or other users; extended inactivity; legal, regulatory, or sanctions reasons; or discontinuation of the Service generally. Where practicable and lawful, we may (but are not obliged to) give you notice.
26.3 Upon any termination or closure: (a) your license under these Terms and your access to the Service, Content, and paid features end immediately; (b) no refund is due except as stated in Section 12.6; (c) we may delete or de-identify your User Content and account data in accordance with our Privacy Policy and retention practices, and we have no obligation to provide copies; and (d) we are not liable for any consequence of suspension, restriction, or termination effected in accordance with these Terms.
26.4 Sections which by their nature should survive termination (including Sections 2, 4–9, 10.6, 13.2, 13.7, 14, 16, 18, 22–25, 27, and 28) survive.
27.1 Governing law. These Terms, the Service, and any dispute, controversy, or claim (whether contractual or non-contractual, including in tort, under statute, or otherwise) arising out of or in connection with them, their subject matter, formation, validity, interpretation, or termination (each, a "Dispute") are governed by the laws of the British Virgin Islands, without regard to conflict-of-laws principles and excluding the United Nations Convention on Contracts for the International Sale of Goods.
27.2 Informal resolution first. Before commencing arbitration, you agree to first send a written notice of the Dispute to support@edwealth.ai describing the Dispute and the relief sought, and to negotiate in good faith for at least sixty (60) days from our receipt of the notice. This is a condition precedent to commencing arbitration. Statutes of limitation and filing deadlines are tolled during this period.
27.3 Arbitration. Any Dispute not resolved under Section 27.2 shall be referred to and finally resolved by arbitration administered by the BVI International Arbitration Centre ("BVI IAC") in accordance with the BVI IAC Arbitration Rules in force when the notice of arbitration is submitted, which rules are deemed incorporated by reference into this Section. The seat of arbitration shall be the British Virgin Islands; the tribunal shall consist of one (1) arbitrator; the language of the arbitration shall be English; and hearings may be conducted remotely. The arbitrator's award shall be final and binding and may be entered in any court of competent jurisdiction. The existence, content, and outcome of the arbitration and all related materials shall be kept confidential, except as required by law or to enforce the award.
27.4 Individual basis; class waiver. You and we agree that each may bring Disputes against the other only in an individual capacity, and not as a plaintiff, claimant, or class member in any purported class, collective, consolidated, coordinated, mass, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class, collective, or representative proceeding, and may award relief only in favor of the individual party seeking relief and only to the extent necessary to resolve that party's individual claim. You waive, to the fullest extent permitted by law, any right to a trial by jury and any right to participate in a class action or class-wide arbitration against us.
27.5 Coordinated filings. If twenty-five (25) or more demands for arbitration raising similar claims are filed against us by or with the assistance of the same or coordinated counsel or organizations, the parties agree that the demands shall be resolved in staged batches: the claimants' counsel shall select up to ten (10) demands to proceed first, and the remaining demands shall be held in abeyance (with applicable limitation periods tolled) pending resolution of the first batch, following which the parties shall in good faith use the outcomes to facilitate global resolution before further batches proceed. A court of competent jurisdiction at the seat may enforce this provision.
27.6 Severability of dispute terms. If the class waiver in Section 27.4 is held unenforceable as to a particular Dispute, then that Dispute (and only that Dispute) shall proceed in the courts identified in Section 27.7 rather than in arbitration, and the class waiver shall continue to apply to all other Disputes to the maximum extent permitted. If any other part of this Section 27 is held unenforceable, the remainder remains in effect.
27.7 Fallback jurisdiction. To the extent any Dispute is, for any reason, determined not to be subject to arbitration under this Section 27, that Dispute shall be subject to the exclusive jurisdiction of the courts of the British Virgin Islands, and the parties waive any objection to that forum on grounds of venue or inconvenience. You and we each waive, to the fullest extent permitted, any right to a jury trial in any such proceeding.
27.8 Our equitable relief. Nothing in this Section prevents us from seeking injunctive or other equitable relief in any court of competent jurisdiction to protect our intellectual property, confidential information, or the security or integrity of the Service, or from reporting matters to, or cooperating with, any authority.
28.1 Entire agreement; non-reliance. These Terms (together with the Privacy Policy and any Supplemental Terms) constitute the entire agreement between you and us regarding the Service and supersede all prior or contemporaneous agreements, understandings, statements, and representations regarding the Service. You acknowledge and agree that, in accepting these Terms and using the Service, you have not relied on any statement, promise, assurance, representation, or warranty (whether made innocently or negligently, and whether oral or written, including any marketing material or any statement made by Ed) that is not expressly set out in these Terms, and, save in the case of fraud, you waive all rights and remedies that might otherwise be available to you in respect of any such statement, including any claim for misrepresentation.
28.2 Assignment. We may assign, transfer, or novate these Terms, in whole or in part, and any of our rights and obligations under them, to any affiliate or to any successor in connection with a merger, acquisition, corporate reorganization or restructuring, financing, or sale of assets or business, without your consent, and you hereby consent in advance to, and agree to be bound following, any such assignment, transfer, or novation. You may not assign or transfer these Terms, your account, or any rights under them, and any attempt to do so is void.
28.3 Severability. If any provision of these Terms is held invalid, illegal, or unenforceable, it shall be modified and enforced to the maximum extent permissible to give effect to its intent, and the remaining provisions shall remain in full force and effect.
28.4 No waiver; cumulative remedies. Our failure or delay in exercising any right is not a waiver of it. A waiver is effective only if in writing and applies only to the instance given. Our rights and remedies under these Terms are cumulative and in addition to any rights and remedies at law or in equity.
28.5 No third-party rights. Except for the persons entitled to protection or enforcement under Sections 21.2(f), 23, 24, and 25, these Terms create no rights enforceable by any third party, and the consent of no third party is required to vary or rescind these Terms.
28.6 Force majeure. We are not liable for any failure, delay, or degradation caused in whole or in part by events or circumstances beyond our reasonable control, including acts of God, natural disasters, epidemics, war, terrorism, civil unrest, labor disputes, governmental or regulatory action, sanctions, market disruptions or trading halts, failures or outages of third-party providers, utilities, or telecommunications, cyberattacks, and denial-of-service attacks.
28.7 No agency. Nothing in these Terms creates any partnership, joint venture, employment, or (except as expressly stated in Section 10.2) agency relationship between you and us.
28.8 Language. These Terms are drafted in English. Any translation is provided for convenience only; the English version prevails to the extent of any inconsistency.
28.9 Notices; contact. We may provide notices through the Service, by push notification, by email, or by posting to edwealth.ai. Notices to us must be sent to support@edwealth.ai.