Terms of Service

To use the Service, you must be at least 18 years old, a resident of the United States, possess a valid email address, and have the legal capacity to enter into a binding contract. By using the Service, you represent and warrant that you meet these requirements. If you do not, you may not access or use the Service.

The Service is intended for U.S. residents only. Access from outside the United States is not authorized.

Unlevered is an educational tax strategy tool that helps you understand which tax strategies may be available to you based on the financial information you choose to provide. It generates a personalized report that you can review on your own or share with a tax professional.

Unlevered is not a tax preparation service, a tax filing service, a CPA firm, an accounting firm, a law firm, an investment advisor, or a fiduciary. We do not prepare or file your tax returns, we do not represent you before the IRS or any state taxing authority, and we do not provide individualized tax, legal, or financial advice.

From within the Service you may request to be connected with a licensed tax strategist. Those professionals are independent third parties, not employees or agents of Unlevered. Any engagement you enter into with a referred professional is solely between you and that professional, and Unlevered is not a party to it.

Some features of the Service require you to provide an email address and create an account or session. You agree to provide accurate, current, and complete information and to keep that information up to date. You are responsible for safeguarding any access link or credentials and for all activity that occurs under your account. Notify us immediately at support@unlevered.io if you suspect unauthorized access.

We reserve the right to suspend or terminate accounts that violate these Terms or are used for fraudulent, abusive, or unlawful purposes.

You agree not to engage in any of the following prohibited activities while using the Service:

• Submitting false, misleading, or fraudulent information.
• Using the Service to prepare or file a false tax return.
• Accessing or attempting to access the Service by any automated means (bots, scrapers, crawlers) other than via publicly documented APIs we expressly authorize.
• Reverse engineering, decompiling, disassembling, or otherwise attempting to derive source code from the Service.
• Interfering with, disrupting, or attempting to compromise the security or integrity of the Service or any related systems or networks.
• Uploading viruses, malware, or any other malicious code.
• Harvesting, scraping, or collecting personal information about other users.
• Impersonating any person or entity, or misrepresenting your affiliation with a person or entity.
• Using the Service in any manner that violates any applicable law, regulation, or third-party right.
• Reselling, sublicensing, or commercially exploiting the Service or any of its content without our prior written consent.

We reserve the right, but are not obligated, to investigate and take action against violations of this section, including suspending or terminating your access without notice.

You retain ownership of any information, answers, documents, or other content you submit to the Service (“User Content”). By submitting User Content, you grant Unlevered a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, process, transmit, and display your User Content solely as needed to operate, secure, and improve the Service and to provide you with the report you requested. This license ends when you delete your User Content or close your account, except to the extent we are required to retain it to comply with law or to defend legal claims.

You represent and warrant that you have all rights necessary to submit your User Content and that it does not violate any law or third-party right.

The Service, including all software, design, text, graphics, logos, reports, tax strategy explanations, models, and other content (other than your User Content), is owned by or licensed to Unlevered and is protected by U.S. and international copyright, trademark, and other intellectual property laws. We grant you a personal, limited, non-exclusive, non-transferable, and revocable license to access and use the Service for your own personal, non-commercial use, subject to these Terms.

You may not copy, modify, distribute, sell, lease, or create derivative works of the Service or its content without our prior written consent. All rights not expressly granted to you are reserved by Unlevered.

Nothing on the Service — including any report, estimate, strategy description, report output, lesson, or chat response — constitutes tax, legal, accounting, financial, or investment advice. The Service is provided for general informational and educational purposes only. You should consult a qualified tax professional, attorney, or financial advisor before making any decision based on information you receive from the Service.

The numbers Unlevered generates are estimates based on the information you provide and publicly available tax rules in effect on the date of generation. They are not guarantees of actual tax savings. Your real results will depend on your complete financial picture, which only a qualified professional with access to your full records can determine.

By using the Service, you acknowledge and agree that:

• The estimates we provide may not reflect your actual tax outcome.
• You will not rely on any output from the Service without independently verifying it with a qualified tax professional.
• Tax strategies involve risk, and your results may vary based on facts and circumstances we do not have access to.
• You are solely responsible for any tax positions, decisions, or actions you take based on information from the Service.
• Tax law changes. We update the Service when material changes affect the strategies we cover, but it is your responsibility to verify that any strategy is still current and applicable to your situation at the time you act on it.

The core Unlevered estimate, dashboard, and report are currently provided free of charge. Because there is no purchase, no refunds apply. We reserve the right to introduce paid features, subscriptions, or one-time charges in the future. If we do, the price, billing terms, and refund eligibility will be disclosed before you are charged, and you will be required to affirmatively consent to any charge.

Any payments will be processed by a third-party payment processor (currently Stripe). We do not see, store, or have access to your full payment card details.

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

Without limiting the foregoing, Unlevered does not warrant that the Service will be uninterrupted, timely, secure, or error-free; that the results you obtain from the Service will be accurate or reliable; or that any defects in the Service will be corrected. You use the Service at your sole risk.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL UNLEVERED, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST DATA, TAX PENALTIES, ADDITIONAL TAXES OWED, BUSINESS INTERRUPTION, OR ANY OTHER LOSSES ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE — WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT UNLEVERED HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO UNLEVERED IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you. In such cases, our liability is limited to the smallest extent permitted by applicable law.

You agree to defend, indemnify, and hold harmless Unlevered and its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

• Your use of, or inability to use, the Service.
• Any tax positions taken based on information from the Service.
• Any inaccuracy or omission in the information you provided.
• Your violation of these Terms or any applicable law.
• Your violation of any third-party right, including any intellectual property or privacy right.

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including if we believe you have violated these Terms. You may stop using the Service at any time.

Upon termination, your right to access the Service ceases immediately. The sections of these Terms that by their nature should survive termination (including disclaimers, limitations of liability, indemnification, and dispute resolution) will survive.

We may modify, suspend, or discontinue all or part of the Service at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

We may also update these Terms from time to time. When we make material changes, we will update the “Last updated” date at the top of this page and, where appropriate, provide additional notice. Your continued use of the Service after changes become effective constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, please stop using the Service.

By using the Service, you consent to receive communications from us electronically, including by email and through in-product notifications. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. You may withdraw this consent by closing your account, but doing so may prevent you from using the Service.

These Terms and any dispute arising out of or relating to them or the Service will be governed by the laws of the State of California, without regard to its conflict-of-laws principles. Subject to the arbitration agreement in Section 17, the state and federal courts located in San Francisco County, California will have exclusive jurisdiction over any dispute that is not subject to arbitration.

Please read this section carefully — it affects your legal rights.

a. Informal resolution

Before filing any formal claim, you and Unlevered agree to first try to resolve the dispute informally. You agree to send a written notice describing the dispute and the relief you seek to support@unlevered.io. If we cannot resolve the dispute within sixty (60) days of the notice, either party may proceed to arbitration.

b. Binding arbitration

Except as set forth below, you and Unlevered agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The arbitration will be conducted in the English language. Unless you and Unlevered agree otherwise, the seat of arbitration will be San Francisco, California, and the arbitrator may conduct hearings by telephone or video conference. The arbitrator's decision will be binding and enforceable in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.

c. Class action and jury trial waiver

YOU AND UNLEVERED AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING. YOU AND UNLEVERED FURTHER WAIVE THE RIGHT TO A TRIAL BY JURY. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

d. Exceptions

Notwithstanding the foregoing, either party may bring an individual action in small-claims court, and either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

e. Opt-out

You may opt out of this arbitration agreement by sending written notice to support@unlevered.io within thirty (30) days of first accepting these Terms, stating your name, email address, and a clear statement that you wish to opt out of arbitration. Opting out does not affect any other provision of these Terms.

Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Unlevered concerning the Service and supersede any prior agreements.

Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.

Headings. Section headings are for convenience only and do not affect interpretation.

If you have questions about these Terms, contact us at:

Stayguard LLC d/b/a Unlevered
support@unlevered.io