Terms of Service

Last updated: July 10, 2026

1. Acceptance of Terms

By accessing or using MyImpactAdviser (the “Service”), available at myimpactadviser.com, you agree to be bound by these Terms of Service (the “Terms”). If you do not agree to these Terms, you may not access or use the Service.

2. Description of Service

MyImpactAdviser provides AI-powered educational planning tools designed to help users explore values-aligned investing. The Service includes:

• Alignment Analyzer — A portfolio analysis tool that evaluates your current investments for alignment with your stated mission and values.
• Document Generation — Tools to generate alignment reports and other educational documents based on your inputs.

These tools are strictly educational and informational in nature. They are not financial advice, investment advice, legal advice, or tax advice. The Service is designed to help you ask better questions and have more informed conversations with qualified financial professionals.

3. Account Registration

To use certain features of the Service, you must create an account. You must be at least 18 years old to create an account or use the Service. By registering, you represent and warrant that you meet this age requirement. Account authentication and management are provided through Clerk, our third-party authentication provider. When you register, you agree to:

• Provide accurate, current, and complete information during registration.
• Maintain the security and confidentiality of your account credentials.
• Notify us promptly of any unauthorized use of your account.
• Accept responsibility for all activity that occurs under your account.

4. Acceptable Use

You agree to use the Service responsibly and lawfully. Specifically, you agree not to:

• Abuse the Service, including excessive or automated requests designed to overload the platform.
• Circumvent, disable, or interfere with usage quotas, rate limits, or other access restrictions.
• Scrape, crawl, or use automated means to extract data from the platform, or reverse-engineer any aspect of the Service.
• Upload files containing malware, viruses, or other malicious code.
• Use the Service for any illegal purpose or in violation of any applicable laws or regulations.
• Misrepresent AI-generated documents as professional financial advice, or present them to others as having been prepared by a licensed investment adviser, financial planner, or attorney.

We reserve the right to suspend or terminate accounts that violate these acceptable use guidelines.

5. Intellectual Property

Your Content

You retain ownership of all documents generated for you through the Service, including your alignment reports and any other output created from your inputs. You also retain ownership of any files you upload to the platform. You are free to use, share, modify, or distribute your generated documents as you see fit.

Our Content

MyImpactAdviser owns and retains all rights in the platform itself, including the user interface, design, AI prompts, analytical methodology, scoring frameworks, and the proprietary company and fund research database (including risk factor data, alignment assessments, and fund profiles). These materials are protected by intellectual property laws and may not be copied, modified, or distributed without our written permission.

License Grant for Uploaded Documents

By uploading documents to the Service (such as portfolio statements or fund disclosures), you grant MyImpactAdviser a non-exclusive, royalty-free, worldwide license to extract and retain factual, non-personal information about companies and funds contained in those documents. This license exists solely to improve the platform’s research database for the benefit of all users. This license does not extend to your personal data, personally identifiable information, or to the uploaded documents themselves. We will not share, sell, or distribute your uploaded documents to third parties.

6. Disclaimers

7. Limitation of Liability

To the maximum extent permitted by applicable law, MyImpactAdviser and its owners, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Service. This includes, without limitation, damages for loss of profits, loss of data, business interruption, or any other commercial damages or losses, regardless of the theory of liability (contract, tort, or otherwise), even if MyImpactAdviser has been advised of the possibility of such damages.

In no event shall MyImpactAdviser’s total aggregate liability to you for all claims arising from or related to the Service exceed the greater of (a) the total amount you have paid to MyImpactAdviser for access to the Service during the twelve (12) months preceding the claim, or (b) fifty dollars ($50.00).

8. Indemnification

You agree to defend, indemnify, and hold harmless MyImpactAdviser and its owners, officers, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from: (a) your violation of these Terms; (b) your violation of any third-party rights, including intellectual property rights; or (c) your misrepresentation of AI-generated documents as professional financial advice.

To be clear: we will not ask you to cover our legal costs simply because you used the Service as intended or acted on information it provided. This indemnification applies only to your own misconduct.

9. Termination

Either party may terminate this agreement at any time. You may stop using the Service at any time. You can delete individual sessions and their associated data from your Dashboard. To delete your entire account, you may use your account management settings or contact us at [email protected]. For details on what is deleted, see our Data Retention & Deletion Policy.

If we believe you have violated these Terms, we will notify you by email and give you 14 days to remedy the violation before suspending or terminating your account. We reserve the right to suspend accounts immediately and without prior notice only in cases of serious abuse, including activity that threatens the security or integrity of the Service, illegal activity, or conduct that poses a risk of harm to other users. Upon termination, your right to access the Service will cease, but you may still request a copy of your data for 30 days following termination.

10. Changes to These Terms

We may revise these Terms from time to time to reflect changes in the Service, our practices, or applicable law. When we make material changes, we will notify registered users by email at least 30 days before the changes take effect. The updated Terms will indicate the new “Last updated” date at the top of this page.

If you disagree with any material changes, you may close your account before the changes take effect. We will not treat your silence or continued use as acceptance of material changes — if a change materially reduces your rights, we will ask for your explicit acknowledgment the next time you log in.

11. Governing Law and Dispute Resolution

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

We believe in resolving disputes fairly and transparently. If a dispute arises between you and MyImpactAdviser, we encourage you to contact us first at [email protected] so we can try to resolve it directly. If we cannot resolve the dispute informally, either party may bring a claim in any court of competent jurisdiction. Nothing in these Terms restricts your right to bring a claim in court, participate in a class action, or seek a jury trial.

12. Contact

If you have any questions about these Terms of Service, please contact us at [email protected].