Terms of Service

The Platform is for professionals only. You may use it only if you are at least 18, located in the United States, and a financial advisor, CPA or accounting professional, investment banker or M&A professional, or another professional we approve. You will give us accurate account information and keep it current. The Platform is not offered to consumers. You may not give clients access to the advisor platform, its tools or your Seat. You may invite your clients to the client portal, which shows only the information you choose to share with them; their use of it is governed by our Client Portal Terms.

Each subscription covers one named user (a "Seat"). You may not share login credentials or let more than one person use a Seat. You are responsible for all activity under your account and will tell us promptly at compliance@wealthrive.ai of any unauthorized use.

• Free trial. New accounts may receive a one-month free trial. Unless you cancel before the trial ends, your subscription starts automatically and your payment method is charged.
• Fees. Current pricing is $495 per Seat per month, or $5,049 per Seat prepaid annually. Fees are stated in U.S. dollars and exclude taxes, which you will pay.
• Automatic renewal. Subscriptions renew automatically for the same term until cancelled. You can cancel in your account settings or by emailing compliance@wealthrive.ai. Cancellation takes effect at the end of the current term.
• Refunds. Fees are non-refundable, including for partial terms, except where required by law.
• Price changes. We may change pricing with at least 30 days' notice, effective at your next renewal.
• Payment. Payments are processed by Stripe. We may suspend access if payment fails and is not cured within 10 days of notice.
• Beta access. Complimentary beta access is provided as-is and may end at any time.

• Client authority. You are responsible for your relationship with your clients. You confirm you have each client's consent, and any authority required by law or your firm, to enter their information into the Platform and to share it with implementation providers. You decide which clients to invite to the client portal and what to share with them there.
• Redacted inputs. The Platform is designed for redacted client profiles. You will not enter Social Security numbers, account numbers or raw tax documents except in fields we designate for them.
• Ownership. You and your clients own the data you enter ("User Data"). You grant us a license to host, process and use User Data to provide and support the Platform.
• De-identified data. You also grant us a perpetual, irrevocable license to create de-identified and aggregated data from User Data, and to use it to operate, analyze and improve our products, including to train and improve our models. De-identified data is data processed so it cannot reasonably be used to identify you, your firm or any client; removing names alone does not meet that standard. We use it only within Wealthrive AI, do not sell it, and will not attempt to re-identify it.
• Privacy. Our Privacy Policy explains how we handle personal information.

The Platform connects clients you approve with independent third-party implementation providers and strategy sponsors ("Providers"). Providers are not our agents. Each Provider's engagement with a client is governed by that Provider's own terms. We do not guarantee any Provider's work, fees or results.

Providers pay Wealthrive AI a commission when a client implements a strategy through the Platform. You receive no part of that commission. You are responsible for any disclosure of this arrangement that your regulators, firm or fiduciary duties require. If any law, regulation or firm policy restricts this arrangement for you or a client, you will not use the implementation features for that client. Your use of Providers introduced through the Platform is also governed by the Non-Circumvention Agreement you accept at signup.

The Platform is software that supports your professional judgment. Wealthrive AI does not provide tax, legal, accounting or investment advice, does not prepare tax returns, and does not act as an investment adviser or broker-dealer. You decide whether any strategy is suitable for a client and are responsible for every recommendation you make. Each client should confirm any strategy with a qualified tax professional before implementing it.

Savings figures are estimates computed from the information you enter and current tax law as we understand it. Actual results depend on facts, implementation and IRS treatment, and may differ. Tax law and IRS positions change, and any strategy may be challenged. The Platform's AI features explain strategies in plain language. AI output can be wrong or incomplete. You are responsible for independently validating every calculation, assumption, eligibility determination and implementation requirement before relying on it or presenting it to a client. We log questions asked of the AI features to review and improve them.

You will follow our Acceptable Use Policy and the Mutual Non-Disclosure Agreement you accept at signup. You may not copy, resell, reverse engineer or build a competing product from the Platform, its strategy library or its outputs.

We and our licensors own the Platform, including its tax engine, strategy library, reports, content and the WEALTHRIVE, Wealthrive.AI, RIA.tax and IB.tax names. We grant you a limited, non-exclusive, non-transferable right to use the Platform for your own professional work during your subscription. You may share reports with the specific client they were prepared for. If you send us feedback, we may use it without obligation to you.

The Platform may link to or integrate with third-party portals and services. We are not responsible for them, and your use of them is governed by their terms.

We work to keep the Platform available but do not guarantee uninterrupted access. We may perform maintenance, and we may add, change or discontinue features or strategies. If we make a change that materially reduces the core Platform, we will give reasonable notice, and you may cancel before your next renewal.

You may cancel as described in Section 3. We may suspend or end your access if you breach these Terms, fail to pay, or create legal or security risk for us or others. On termination, your right to use the Platform ends. You may export your User Data for 30 days after termination, after which we may delete it, except de-identified data and records we must keep. Sections 4 through 7 and 9 through 16 survive.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT ALLOWED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY STRATEGY WILL PRODUCE ANY TAX RESULT OR WITHSTAND IRS REVIEW.

TO THE FULLEST EXTENT ALLOWED BY LAW, WEALTHRIVE AI WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, TAXES, PENALTIES, INTEREST OR LOST DATA. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE PLATFORM WILL NOT EXCEED THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE. THESE LIMITS DO NOT APPLY TO A PARTY'S FRAUD OR WILLFUL MISCONDUCT, OR WHERE THE LAW DOES NOT ALLOW THEM.

You will defend and indemnify Wealthrive AI and its directors, officers and employees against third-party claims, including claims by your clients or regulators, arising from your recommendations, your use of the Platform, the data you enter, or your breach of these Terms. We will notify you promptly of any such claim, let you control its defense with counsel reasonably acceptable to us, and cooperate at your expense. You may not settle a claim in a way that admits fault for us or places obligations on us without our written consent.

Florida law governs these Terms, without regard to conflict-of-law rules. Any dispute will be brought only in the state or federal courts in Broward County, Florida, and each party consents to their jurisdiction. EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL.

• Changes. We may update these Terms. For material changes we will give at least 30 days' notice by email or in the Platform. Continued use after the effective date means you accept them.
• Notices. We send notices to your account email. You send notices to compliance@wealthrive.ai.
• Assignment. You may not assign these Terms without our consent. We may assign them to an affiliate or a successor to our business.
• Entire agreement. These Terms, the Privacy Policy, the Acceptable Use Policy, the Mutual NDA and the Non-Circumvention Agreement are the entire agreement on this subject. If they conflict, the document that specifically addresses the topic controls; otherwise these Terms control. If any provision is unenforceable, the rest remains in effect.
• Electronic acceptance. Clicking to accept is your signature.