Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Simple Money application and website (collectively, the “Service”). The software platform is owned and operated by Simple Money, Inc. and may be made available in connection with services provided by its wholly owned subsidiary, SIMPLE MONEY ADVISORS LLC (together, “Simple Money,” “we,” “us,” or “our”). Both entities are located at 131 Continental Dr, Suite 305, Newark, DE 19713 US.

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you meet this requirement and have the legal capacity to enter into these Terms.

2. Account Registration

To access certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date. You are responsible for safeguarding your account credentials and for all activity that occurs under your account.

You must notify us immediately at vb@thesimplemoney.com if you suspect unauthorized access to your account.

3. Description of Service

Simple Money, Inc. owns and operates the software platform and provides related technology and administrative services, including financial planning tools, account aggregation through third-party providers, and educational financial insights. The Service may include features such as:

• Connecting and viewing financial accounts via Plaid
• Displaying account balances, transactions, and holdings in a unified dashboard
• Generating personalized financial insights and recommendations using artificial intelligence
• Financial modelling and net worth projections
• Secure collaboration with an investment adviser, when applicable

Investment advisory services are provided solely by SIMPLE MONEY ADVISORS LLC (the “Advisor”), not by Simple Money, Inc., and only in jurisdictions where the Advisor is registered or otherwise permitted to provide such services. The Advisor is an investment adviser registered with the State of California and regulated by the California Department of Financial Protection and Innovation. It is not registered with the U.S. Securities and Exchange Commission. Advisory services are subject to a separate written advisory agreement and the Advisor’s applicable disclosure documents. If these Terms conflict with that agreement regarding advisory services, the advisory agreement controls.

4. Financial Information and Advisory Services

Unless advice is expressly provided to you by the Advisor under a written advisory agreement, content made available through the Service is for informational and educational purposes only. It does not constitute investment, tax, accounting, or legal advice, an offer to sell, or a solicitation to buy any security. Nothing on the Service creates an advisory relationship unless the Advisor and you enter into a separate written advisory agreement.

Simple Money, Inc. is not an investment adviser, broker-dealer, accounting firm, or law firm. As part of its investment advisory services, the Advisor may provide tax strategy and tax-aware investment guidance. The Advisor is not a certified public accountant or enrolled agent firm and does not prepare or file tax returns. It does not provide accounting or legal services. Registration does not imply a particular level of skill or training or endorsement by any regulator. Investing involves risk, including the possible loss of principal, and past performance does not guarantee future results. You should consult appropriately qualified professionals concerning your circumstances.

5. Third-Party Services

The Service integrates with third-party providers, including Plaid for financial account connectivity. Your use of these third-party services is subject to their respective terms and privacy policies. We are not responsible for the availability, accuracy, or conduct of any third-party service.

By connecting a financial account through Plaid, you authorize Plaid to access your financial data on your behalf in accordance with Plaid’s End User Privacy Policy.

6. AI-Generated Content

The Service uses artificial intelligence to generate financial insights, analyses, and draft recommendations. AI-generated content may contain inaccuracies or errors. You acknowledge that:

• AI-generated content is not advisory advice unless it is expressly adopted and delivered to you by the Advisor under a written advisory agreement
• You should not act on AI-generated content without reviewing it and, where appropriate, consulting a qualified professional
• We do not guarantee the accuracy, completeness, or suitability of any AI-generated content

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation
• Attempt to gain unauthorized access to the Service, other user accounts, or our systems
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated tools (bots, scrapers, crawlers) to access or extract data from the Service without our prior written consent
• Interfere with or disrupt the integrity or performance of the Service
• Misrepresent your identity or provide false information in connection with the Service

8. Intellectual Property

The software platform and its features and functionality — including its code, interface, graphics, and software — are owned by Simple Money, Inc. or its licensors. Advisory materials may be owned by the Advisor or its licensors. These materials are protected by copyright, trademark, and other intellectual property laws.

Simple Money, Inc. grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial financial planning purposes.

9. Disclaimer of Warranties

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

We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any information provided through the Service is accurate or complete. Financial data displayed through the Service is sourced from third-party providers and may not reflect real-time account balances or activity.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SIMPLE MONEY, INC., SIMPLE MONEY ADVISORS LLC, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless Simple Money, Inc., SIMPLE MONEY ADVISORS LLC, and their officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

12. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. You may terminate your account at any time by contacting us at vb@thesimplemoney.com.

Upon termination, your right to use the Service will immediately cease. Sections 4, 8, 9, 10, 11, 13, and 14 shall survive termination.

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.

Any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the state or federal courts located in New Castle County, Delaware. You consent to the personal jurisdiction of such courts.

14. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the Service or by email. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms. The “Last Updated” date at the top reflects the most recent revision.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Simple Money regarding the Service and supersede all prior agreements and understandings. Any separate written advisory agreement governs the investment advisory services described in that agreement.

17. Contact Us

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