Terms of Service

1. Agreement to Terms

Welcome to Rebalanced. These Terms of Service ("Terms") govern your access to and use of the Rebalanced website located at rebalancedinvesting.com and any related services (collectively, the "Service") operated by Async Technology LLC ("Company," "we," "us," or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service. We recommend that you print or save a copy of these Terms for your records.

2. Eligibility

You must be at least 13 years old to use our Service. If you are under 18 years of age (or the age of majority in your jurisdiction), you must have permission from a parent or legal guardian to use the Service, and they must agree to these Terms on your behalf.

By using the Service, you represent and warrant that you meet these eligibility requirements. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

3. Description of Service

Rebalanced provides a portfolio tracking and analytics platform that allows users to aggregate and monitor their investment accounts from various financial institutions. Our Service includes:

• Account aggregation from supported financial institutions
• Portfolio performance tracking and analytics
• Asset allocation visualization
• Investment insights and reporting
• Alerts and notifications

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice.

4. Account Registration

To access certain features of the Service, you may be required to create an account. When you create an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access or security breach

We reserve the right to suspend or terminate your account if any information provided is inaccurate, false, or no longer current, or if we suspect unauthorized or fraudulent activity.

5. Subscription Plans and Fees

Rebalanced offers both free and paid subscription tiers. The features available to you depend on your subscription level.

5.1 Free Tier

The free tier provides access to basic features of the Service at no cost. Free tier features may be modified or limited at any time.

5.2 Paid Subscription

Paid subscriptions provide access to premium features. By subscribing to a paid plan, you agree to:

• Pay the applicable subscription fees as displayed at the time of purchase
• Provide valid payment information
• Authorize recurring charges for subscription renewals unless cancelled

5.3 Billing and Renewal

Paid subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You may cancel your subscription at any time through your account settings or by contacting us.

5.4 Refunds

Subscription fees are generally non-refundable. However, if you believe you are entitled to a refund, please contact us at doug@rebalancedinvesting.com and we will review your request on a case-by-case basis.

5.5 Price Changes

We reserve the right to change our subscription fees at any time. Any price changes will be communicated to you in advance and will take effect at the start of your next billing cycle.

7. Third-Party Services

Our Service integrates with third-party services, including financial data aggregators (such as Plaid and Snaptrade), to connect your financial accounts. By using these features, you:

• Authorize us to access your account information through these third-party services
• Agree to the terms and privacy policies of those third-party services
• Acknowledge that we are not responsible for the availability, accuracy, or security of third-party services
• Understand that your use of third-party services is at your own risk

8. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any laws
• Attempt to gain unauthorized access to any part of the Service or related systems
• Interfere with or disrupt the Service or servers connected to the Service
• Use automated systems (bots, scrapers, etc.) to access the Service without permission
• Impersonate any person or entity or misrepresent your affiliation
• Upload or transmit viruses, malware, or other malicious code
• Collect or harvest user information without consent
• Use the Service to send spam or unsolicited communications
• Attempt to reverse engineer, decompile, or disassemble the Service
• Reproduce, duplicate, copy, sell, or resell any part of the Service
• Share your account credentials or allow others to access your account

9. Intellectual Property

The Service and its original content, features, and functionality are owned by Async Technology LLC and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

The Rebalanced name, logo, and related trademarks may not be used in connection with any product or service without our prior written consent. Nothing in these Terms grants you any right to use our intellectual property.

You retain ownership of any data you provide to the Service. By providing data, you grant us a limited license to use, process, and display that data solely to provide the Service to you.

10. Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our collection and use of information as described in the Privacy Policy.

11. Disclaimers

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

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED. WE DO NOT WARRANT THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY INFORMATION PROVIDED THROUGH THE SERVICE.

WE ARE NOT RESPONSIBLE FOR ANY INVESTMENT DECISIONS YOU MAKE BASED ON INFORMATION PROVIDED THROUGH THE SERVICE. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ASYNC TECHNOLOGY LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE GREATER OF: (A) THE AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

13. Indemnification

You agree to indemnify, defend, and hold harmless Async Technology LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations

14. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

You may terminate your account at any time by contacting us at doug@rebalancedinvesting.com. Upon termination, we will delete your account and associated data in accordance with our Privacy Policy.

If you have a paid subscription, cancellation will take effect at the end of your current billing period. You will continue to have access to paid features until then.

All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, United States, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the Service shall be resolved exclusively in the state or federal courts located in New Jersey, and you consent to the personal jurisdiction of such courts.

16. Dispute Resolution

Before filing a claim against Async Technology LLC, you agree to try to resolve the dispute informally by contacting us at doug@rebalancedinvesting.com. We will attempt to resolve the dispute informally within 60 days. If we are unable to resolve the dispute informally, either party may proceed with formal legal action.

17. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the "Last Updated" date at the top.

Your continued use of the Service after any changes constitutes your acceptance of the new Terms. If you do not agree to the modified Terms, you must stop using the Service.

18. Severability

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

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Async Technology LLC regarding your use of the Service and supersede all prior agreements, understandings, and communications, whether written or oral.

20. Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by Async Technology LLC.