7. Disclaimers & Liability7.1 No Financial AdviceLEVERIDGE DOES NOT PROVIDE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE.The Service provides analytical tools and calculations only. It does not constitute recommendations or advice and must be independently verified by you. You are subject to your professional judgment and due diligence.YOU ARE SOLELY RESPONSIBLE FOR:
- All client recommendations and suitability determinations
- Compliance with applicable laws and regulations
- Accuracy of data you input
- How you use and communicate outputs
- Professional standards and fiduciary dutiesAI-Generated Content: The Service uses artificial intelligence to generate insights. AI outputs are based on statistical models, may not always be accurate or appropriate, should never be used without human review, do not replace professional judgment, and may reflect biases in training data.AI Data Processing: Leveridge does not use identifiable client data to train AI models. AI model services used by Leveridge operate under a zero data retention policy, and AI inference occurs within Leveridge-controlled AWS infrastructure. Model inference uses only the data necessary to generate outputs for your immediate request. See our Privacy Policy for complete details on AI data handling.7.2 Beta Disclaimers
During beta, the Service may contain bugs, errors, incomplete features, unexpected downtime, frequent updates, and limited support. We make no warranties regarding accuracy, availability, reliability, suitability, or compatibility.THE SERVICE IS PROVIDED FOR EVALUATION PURPOSES ONLY AND IS USED AT YOUR OWN RISK. We recommend maintaining backup copies of all data, independently validating outputs, and not relying on the Service for time-critical or production-critical decisions.7.3 No WarrantiesTHE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, SECURITY, OR ERROR-FREE OPERATION.7.4 Limitation of LiabilityTO THE MAXIMUM EXTENT PERMITTED BY LAW, LEVERIDGE IS NOT LIABLE FOR:Indirect Damages: Lost profits, revenue, business opportunities, data, goodwill, or cost of substitute services.Even if caused by: Errors in calculations or recommendations, service downtime or data loss, security breaches, third-party actions, or AI-generated outputs.Cap on Liability: Our total liability for any claim is limited to the greater of: (a) $100, or (b) the amount you paid us in the 12 months before the claim.During free beta: Maximum liability is $100.This limitation applies regardless of legal theory (contract, tort, negligence, strict liability).7.5 ExceptionsThese limitations do NOT apply to our gross negligence, willful misconduct, fraud, or violations of law that cannot be limited by contract.8. IndemnificationYou agree to indemnify, defend, and hold harmless Leveridge, its affiliates, officers, directors, employees, and contractors from all claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from:- Your use or misuse of the Service
- Your violation of these Terms or applicable laws
- Client claims based on your recommendations
- Data you upload or share
- Your breach of professional duties or fiduciary obligations
- Your failure to obtain proper client consent
- Infringement of third-party intellectual property rightsThis obligation survives termination. Exception: You are not required to indemnify us for our own gross negligence, willful misconduct, or fraud.9. Privacy & Third-Party Services9.1 PrivacyYour use of the Service is governed by our [Privacy Policy], incorporated by reference. Key points: You own your client data. We use data only to provide the Service. You are responsible for obtaining client consent. Data is stored on AWS and MongoDB with encryption. Contact [email protected] for data access, deletion, or portability requests.9.2 Third-Party ServicesThe Service relies on third-party service providers as detailed in our Privacy Policy, including cloud infrastructure (AWS), database services (MongoDB), email delivery (SendGrid, Brevo, Beehiiv), AI processing (AWS Bedrock), monitoring tools (Sentry), scheduling (Cal.com), property data (Cotality), and payment processing (Stripe). See our Privacy Policy for the complete subprocessor list. Use of the Service may depend on the continued availability of these third-party providers.We may offer integrations with third-party platforms in the future, including financial planning software (eMoney, RightCapital, MoneyGuidePro) and additional data providers.If and when you choose to enable such integrations, you must comply with the applicable third-party terms, authorize any required data sharing, manage connected accounts, and obtain necessary client consents. We are not responsible for the availability, reliability, security, or practices of third-party services.Third-party services and integrations may introduce additional risks, change or discontinue without notice, and affect Service performance. Use of third-party services is at your own risk.10. Dispute Resolution10.1 Informal ResolutionBefore filing any claim, you agree to first contact us at [email protected] with a written description of your dispute. We will investigate and respond within 30 days in a good-faith attempt to resolve the issue.10.2 Binding ArbitrationIf informal resolution fails, you agree that all disputes will be resolved by binding arbitration on an individual basis, not in court.Arbitration Terms:
- Administrator: JAMS (Judicial Arbitration and Mediation Services)
- Rules: JAMS Streamlined Arbitration Rules
- Location: Los Angeles County, California (or remote/telephonic at your option)
- Language: English
- Costs: We pay arbitration fees for claims under $10,000. You pay the initial filing fee (waived if you demonstrate financial hardship). Each party pays own attorneys' fees unless arbitrator awards them.
- Discovery: Limited to what's necessary for fair resolution
- Award: Arbitrator may award same remedies as a court and must provide a written decisionArbitrator Authority: May resolve all disputes except IP infringement claims and requests for injunctive relief. Arbitrator is bound by these Terms and must apply applicable law.Small Claims Exception: You may bring claims in small claims court if they qualify and you don't seek injunctive relief.10.3 Class Action WaiverYOU AND LEVERIDGE AGREE THAT DISPUTES WILL BE RESOLVED INDIVIDUALLY, NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.You waive the right to participate in class actions, bring representative or collective claims, be a class member in someone else's case, or consolidate your claim with other claims.If the class action waiver is found unenforceable, the arbitration agreement does not apply to that claim and it must be litigated in court.10.4 Opt-Out RightYou may opt out of arbitration within 30 days of account creation by emailing:
- To: [email protected]
- Subject: "Arbitration Opt-Out"
- Include: Your name, email, firm name, and account creation dateIf you opt out: Disputes will be resolved in court under Section 10.5.Note: Opting out of arbitration does NOT opt you out of the class action waiver. The class action waiver is a material and independent term of these Terms.10.5 Governing Law and Venue (If No Arbitration)If arbitration doesn't apply:
- Governing Law: California law (excluding conflicts of law principles)
- Venue: Exclusive jurisdiction in state and federal courts in Los Angeles County, California
- Personal Jurisdiction: You consent to personal jurisdiction in California courts
- Jury Trial Waiver: Both parties waive the right to jury trial10.6 Injunctive Relief ExceptionEither party may seek injunctive or equitable relief in court for intellectual property infringement, violation of confidentiality obligations, security threats, system abuse, or violation of the Acceptable Use Policy. This does not waive the arbitration agreement for damages claims.11. General Provisions11.1 Entire AgreementThese Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Leveridge. This supersedes all prior agreements, understandings, or proposals (oral or written).11.2 ModificationsWe may update these Terms from time to time. Material changes (affecting pricing, liability, dispute resolution) require 30 days' email notice before the effective date, with an option to reject and terminate your account. Minor updates (clarifications, typo fixes) are posted on this page with no advance notice. Continued use after changes constitutes acceptance.During beta, expect frequent changes as we develop the product.11.3 SeverabilityIf any provision is found invalid, illegal, or unenforceable, the remainder of these Terms continues in full force. The invalid provision will be reformed to the minimum extent necessary to make it enforceable.11.4 No WaiverOur failure to enforce any provision is not a waiver of our right to enforce it later. No waiver is effective unless in writing and signed by an authorized Leveridge representative.11.5 AssignmentYou may not assign, transfer, or delegate these Terms or your account without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets. These Terms bind and benefit both parties and their permitted successors and assigns.11.6 Survival
Sections that should reasonably survive termination will survive, including: Intellectual Property Rights (Section 6), Disclaimers and Limitations of Liability (Section 7), Indemnification (Section 8), Dispute Resolution (Section 10), and General Provisions (Section 11).11.7 Force Majeure
We are not liable for delays or failures to perform due to circumstances beyond our reasonable control, including natural disasters, pandemics, war, terrorism, government actions, internet/telecommunications failures, labor disputes, or power outages. Our obligations resume when circumstances permit.11.8 NoticesTo Leveridge:
Leveridge, LLC
680 E Colorado Blvd, Suite 180
Pasadena, CA 91101
[email protected]To You: Email to the address associated with your account.Notices are effective when sent (email, deemed received within 24 hours) or 3 business days after mailing (certified mail, return receipt requested). You must keep your email address current in account settings.11.9 Relationship of PartiesThese Terms do not create a partnership, joint venture, employment, agency, or franchise relationship. You are an independent contractor. Neither party has authority to bind the other.11.10 Third-Party BeneficiariesThese Terms are between you and Leveridge only. No third party (including your clients) has any rights under these Terms, except our service providers are intended third-party beneficiaries of relevant protective provisions.11.11 Export ControlThe Service is subject to U.S. export control laws. You may not use or export the Service in violation of U.S. export laws, to embargoed countries, or to anyone on U.S. restricted party lists. You represent that you are not located in, under the control of, or a national/resident of any restricted country or party.11.12 Government UsersIf you are a U.S. federal, state, or local government entity, the Service is "commercial computer software" subject to restricted rights under FAR 12.212 and DFARS 227.7202.12. Contact InformationGeneral Support:
Email: [email protected]Mailing Address:
Leveridge, LLC
680 E Colorado Blvd, Suite 180
Pasadena, CA 91101Last Updated: January 7, 2026

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