Terms of Service

1. Educational Purpose Only — No Professional Advice

Democratize Wealth is provided for informational and educational purposes only.

The Service and any content, projections, analytics, AI-generated responses, or outputs based on your financial or personal information:

• are not investment advice
• are not financial advice
• are not legal advice
• are not tax advice

We are not a registered investment adviser, broker-dealer, financial planner, or tax or legal professional.

You should consult a qualified licensed professional before making financial, investment, legal, or tax decisions.

Your use of the Service is at your own risk.

You acknowledge that any outputs generated by the Service are based solely on the information you provide and may not reflect your complete financial or personal situation.

2. AI-Generated Content

The Service uses artificial intelligence to generate projections, insights, and responses.

You acknowledge and agree that AI-generated outputs based on your financial and personal information:

• AI outputs may be incomplete, inaccurate, or outdated
• results depend on the information you provide
• outputs are automated and not reviewed by a human professional
• the Service does not guarantee accuracy, completeness, or suitability

You agree not to rely solely on the Service for decision-making.

3. No Guarantee of Results

All projections, forecasts, and simulations are hypothetical and based on assumptions.

We make no guarantees regarding:

• future investment performance
• financial outcomes
• retirement readiness
• market returns
• achievement of any goals

Actual results may differ materially.

4. User Responsibility

You are solely responsible for:

• the accuracy of information you provide
• your financial and investment decisions
• verifying information before acting on it

You agree to use the Service only for lawful purposes.

5. Limitation of Liability

To the maximum extent permitted by law, Democratize Wealth and its affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or financial damages arising out of or related to:

• your use of or reliance on the Service
• AI-generated content
• financial or investment decisions you make
• inaccuracies in projections or outputs
• service interruptions or errors

Your sole remedy for dissatisfaction with the Service is to stop using it.

6. Indemnification

You agree to defend, indemnify, and hold harmless Democratize Wealth and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• your use of the Service
• your violation of these Terms
• your decisions based on the Service

7. Service Provided "As Is"

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied, including accuracy, reliability, merchantability, or fitness for a particular purpose.

8. Free Service

The Service is provided free of charge (no compensation). We reserve the right to modify, limit, or discontinue any part of the Service at any time.

9. Changes to Terms

We may update or modify these Terms at any time. Updated Terms will be posted on this page with a revised "Last Updated" date.

Your continued use of the Service after changes become effective constitutes acceptance of the updated Terms.