Beta Tester Agreement & Terms of Service

By accessing or using Stewardly (“the Service”), you agree to be bound by these Terms of Service and our Beta Tester Agreement (collectively, “Terms”). If you do not agree to these Terms, do not use the Service.

To create an account you must (a) be at least 18 years old and have the legal capacity to enter into a binding contract, (b) be a resident of the United States, and (c) not be barred from receiving the Service under the laws of any jurisdiction applicable to you. Stewardly is offered only to users located in the United States; we make no representation that the Service is appropriate or available for use in any other jurisdiction, and you are responsible for compliance with local law if you access the Service from outside the U.S.

Stewardly is currently in a pre-release beta period. The Service is under active development and may contain bugs, errors, or incomplete features. Features may be added, modified, or removed at any time without prior notice. By participating in the beta, you acknowledge and accept these conditions.

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

Stewardly does not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

Stewardly is an educational planning and modeling tool. Stewardly is not a registered investment adviser, broker-dealer, financial planner, insurance producer, tax preparer, certified public accountant, attorney, or fiduciary, and it does not hold itself out as any of the foregoing. Stewardly is not registered with, and is not supervised by, the U.S. Securities and Exchange Commission, FINRA, any state securities regulator, any state insurance department, or any state board of accountancy.

Nothing in the Service constitutes, and nothing in the Service should be construed as, (a) an offer, solicitation, or recommendation to buy, sell, or hold any security or other financial product, (b) investment, tax, legal, accounting, insurance, or other professional advice, (c) a personalized recommendation under the Investment Advisers Act of 1940 or any state analog, or (d) an assurance of any particular financial result. All projections, calculations, scenarios, benchmarks, and illustrations presented by the Service are generic, educational estimates generated mechanically from the inputs you provide and simplifying assumptions built into the software; they do not reflect an analysis of your specific circumstances by a qualified professional. Before taking any financial action, you should consult a qualified professional licensed in your jurisdiction.

Your use of the Service does not create a fiduciary, advisory, agency, brokerage, accountant-client, or attorney-client relationship between you and Stewardly.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, STEWARDLY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, WHETHER ARISING FROM CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL STEWARDLY’S TOTAL AGGREGATE LIABILITY EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO STEWARDLY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). THE FOREGOING LIMITATIONS APPLY TO THE FULLEST EXTENT PERMITTED BY LAW AND SHALL SURVIVE TERMINATION OF THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, IN WHICH CASE THESE LIMITATIONS APPLY TO THE MAXIMUM EXTENT PERMITTED.

You assume all risk associated with your use of the Service, including any reliance on the accuracy, completeness, or usefulness of any projections, calculations, or information provided. You acknowledge that financial modeling involves inherent uncertainty and that actual outcomes may differ materially from any projection or scenario generated by the Service.

When you create an account, the information you enter into Stewardly — including your planning scenarios, accounts, income, expenses, and goals — is stored on Stewardly’s backend so you can access it across devices. Our database and authentication are hosted by Supabase in the United States, with data encrypted in transit and at rest. For details on what we collect and how we handle it, see our Privacy Policy.

Because Stewardly is in beta, the Service may experience outages, data migrations, or schema changes that result in data loss or corruption. You are encouraged to keep your own records of any information you consider important. Stewardly is not responsible for any loss of data, including but not limited to loss caused by infrastructure failures, software defects, migrations, account deletion, or third-party provider incidents.

You retain all ownership in the information you enter into the Service (“Your Content”). You grant Stewardly a limited, non-exclusive, worldwide, royalty-free license to host, store, transmit, and display Your Content solely as necessary to operate the Service and provide its features. On Stewardly’s servers, Your Content is stored as ciphertext that the Service cannot read; this license is scoped accordingly.

As described in our Privacy Policy, your device also derives small, bucketed, noise-added, de-identified cohort signals from Your Content and submits them to the Service. Those signals are designed so they cannot be attributed to you or linked across metrics. Stewardly may use, reproduce, aggregate, analyze, publish, and disclose de-identified and aggregated data derived from these signals and from the operation of the Service generally — including to generate the cohort benchmarks shown inside the Service, to improve the Service, for research, and for aggregate reports or insights used in marketing or other communications. De-identified and aggregated data is not your personal information, and Stewardly owns all rights in such data and in any work product derived from it.

Stewardly allows you to model accounts and goals that relate to minors in your household, including 529 plans, Coverdell ESAs, and UTMA/UGMAcustodial accounts. If you enter any information about a minor (including name, date of birth or age, or account balances), you represent and warrant that you are the parent or legal guardian of that minor, that you have the authority to enter such information, and that you consent on the minor’s behalf to its collection and processing as described in our Privacy Policy. You are solely responsible for information you enter about any third party, including any minor. Stewardly is not directed to children under 13 and does not knowingly permit children under 13 to create accounts or use the Service.

You agree to indemnify, defend, and hold harmless Stewardly and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with your use of the Service or your violation of these Terms.

Stewardly reserves the right to 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 are posted constitutes acceptance of the revised Terms.

Please read this section carefully. It requires you to resolve disputes with Stewardly through individual binding arbitration and waives your right to participate in a class action. You may opt out of arbitration within 30 days of first accepting these Terms.

Informal resolution first. Before initiating arbitration, you agree to first contact Stewardly in writing and attempt to resolve the dispute informally for at least 60 days.

Binding arbitration.Except for the carve-outs below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a “Dispute”) shall be resolved exclusively through final and binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures then in effect. The arbitration shall be conducted by a single arbitrator, in the English language, and may be conducted remotely or in Wilmington, Delaware. The arbitrator, and not any federal, state, or local court, shall have exclusive authority to resolve any Dispute, including any claim that all or any part of these Terms is void or voidable. The Federal Arbitration Act governs the interpretation and enforcement of this section.

Class action waiver.You and Stewardly agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, representative, or private attorney general proceeding. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding. If this class action waiver is found to be unenforceable as to any claim, that claim (and only that claim) shall be severed and proceed in court, while all other claims shall proceed in arbitration.

Carve-outs. Notwithstanding the foregoing, either party may (a) bring an individual claim in a small-claims court of competent jurisdiction, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement or misappropriation of its intellectual property or confidential information.

30-day opt-out. You may opt out of this arbitration and class action waiver by sending written notice to Stewardly within 30 days of the date you first accepted these Terms. Your notice must include your name, the email associated with your account, and a clear statement that you wish to opt out. Opting out will not affect any other part of these Terms.

These Terms and any Dispute shall be governed by the laws of the State of Delaware, without regard to its conflict of laws principles, and by applicable federal law of the United States. Subject to Section 13, the exclusive venue for any action that is not subject to arbitration shall be the state and federal courts located in Wilmington, Delaware, and each party consents to the personal jurisdiction of those courts.

If you have questions about these Terms, please reach out to us at the contact information provided on the Service.