Terms of Service

To use certain features you must register for an account and provide certain information. You represent that all registration information you submit is truthful and accurate, and you will maintain its accuracy. You may delete your Account at any time. Company may suspend or terminate your Account in accordance with Section 9.

You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. Notify Company immediately of any unauthorized use of your Account.

Subject to these Terms, Company grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Services solely for your own personal, noncommercial use.

You shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Services; modify, reverse compile or reverse engineer any part of the Services; or access the Services to build a similar or competitive product.

Company reserves the right, at any time, to modify, suspend, or discontinue the Services with or without notice. Company will not be liable to you for any such modification, suspension, or discontinuation.

All intellectual property rights in the Services and their content are owned by Company or its suppliers. These Terms do not transfer to you any rights, title, or interest in such intellectual property rights, except for the limited access rights in Section 2.1.

The Services and all content, information, outputs, tools, analyses, and recommendations are provided for informational and educational purposes only. Nothing in the Services constitutes financial advice, investment advice, tax advice, accounting advice, legal advice, or any other professional advice.

Your use of the Services does not create a fiduciary relationship between you and the Company. Company is not acting as your financial advisor, investment advisor, broker-dealer, tax advisor, or fiduciary.

The Services may provide general information and scenario-based projections based on information you provide. The Services do not provide personalized recommendations to buy, sell, or hold any security or take any particular action with respect to your finances. Any decisions you make based on the Services are made at your own discretion and risk.

You are solely responsible for your financial decisions and for verifying the accuracy of any content before relying on it. Consult qualified professionals regarding your specific circumstances before making financial, investment, tax, or legal decisions.

The Company is a financial technology company, not a bank. The Company does not act as a broker-dealer, execute trades, hold customer funds or securities, or provide investment advisory services.

The Services may contain links to third-party websites and services. Company is not responsible for any third-party links and provides access to them only as a convenience. You use all third-party links at your own risk.

You release and forever discharge Company from any and every past, present, and future dispute, claim, controversy, or cause of action that has arisen or arises directly or indirectly out of the Services.

These Terms are subject to occasional revision. If we make substantial changes, we may notify you by email or by posting a notice on our Site. Continued use of our Services following notice of changes shall indicate your acknowledgement of such changes and agreement to be bound by them.

You agree that any dispute between you and Company relating to the Services or these Terms will be resolved by binding arbitration, rather than in court, except that you and Company may assert individualized claims in small claims court if the claims qualify.

Before commencing arbitration, both parties agree to meet in good faith to resolve the dispute informally within 45 days. Notice to Company should be sent to howdy@withcorrelate.com or by mail to 2261 Market Street, STE 33703, San Francisco, California 94114.

WAIVER OF CLASS ACTION: YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS.

You have the right to opt out of this Arbitration Agreement within 30 days of first becoming subject to it by writing to the address above or emailing howdy@withcorrelate.com.

These Terms constitute the entire agreement between you and us regarding the use of the Services. If any provision of these Terms is held invalid or unenforceable, the other provisions will be unimpaired. These Terms and your rights herein may not be assigned by you without Company’s prior written consent.

Copyright © 2026 Correlate LLC. All rights reserved. All trademarks, logos and service marks displayed on the Services are our property or the property of other third parties. You are not permitted to use these Marks without our prior written consent.