Terms of service

Acceptance of terms

By using Pair Wealth, you agree to be bound by these terms of service. If you do not agree to these terms, do not use the application.

Description of service

Pair Wealth is a personal finance tracking application that allows you to:

• Manually enter and track investment accounts and holdings.
• View asset allocation breakdowns based on publicly available fund data.
• Share portfolio visibility with a linked partner.
• Receive portfolio rebalancing suggestions.
• Receive optional AI-powered contribution optimization recommendations.

Pair Wealth is currently in early access. Features, availability, and data may change without notice during this period.

Not financial advice

Pair Wealth is an informational tool only. Nothing in this application constitutes financial, investment, tax, or legal advice. Asset allocation data, rebalancing suggestions, AI-generated recommendations, and portfolio analytics are provided for informational and educational purposes only.

You should consult with qualified financial professionals before making investment decisions. We are not registered investment advisors, broker-dealers, or financial planners. AI-powered features use third-party language models that may produce inaccurate or unsuitable suggestions.

Past performance data and fund composition information are based on publicly filed SEC documents and may not reflect current holdings.

AI-powered features

Pair Wealth offers optional AI-powered features that generate personalized investment allocation recommendations. By using these features, you acknowledge and agree to the following:

• Consent to data processing: When you request an AI recommendation, your portfolio data (including account names, holdings, balances, and target allocations) is decrypted on your device and sent to Anthropic, our third-party AI provider, for processing. You consent to this data transfer each time you use an AI feature.
• Not financial advice: AI-generated recommendations are for informational and educational purposes only. They do not constitute financial, investment, tax, or legal advice. AI recommendations should not be the sole basis for any investment decision. You should consult with a qualified financial advisor, tax professional, or other appropriate professional before acting on any recommendation.
• No guarantee of accuracy: AI recommendations are generated by a third-party language model and may contain errors, inaccuracies, or inappropriate suggestions. We do not guarantee the accuracy, completeness, suitability, or reliability of any AI-generated content. Market conditions, tax laws, and individual circumstances change — recommendations may become outdated immediately after generation.
• Your responsibility: You are solely responsible for evaluating AI recommendations and deciding whether to act on them. Any investment decisions you make are your own. Pair Wealth and its creators bear no responsibility for financial outcomes resulting from actions taken based on AI recommendations.
• Rate limits: AI features are subject to daily usage limits which may change without notice. We reserve the right to modify, suspend, or discontinue AI features at any time.
• Tax-related information: AI recommendations may include commentary on tax efficiency of certain account placements. This is general educational information, not tax advice. Tax rules are complex, vary by jurisdiction, and depend on individual circumstances. Consult a qualified tax professional for tax-related decisions.

See Anthropic's terms of service and privacy policy for details.

Data accuracy

You are responsible for the accuracy of the financial data you enter into Pair Wealth. We do not verify the accuracy of account balances, share counts, or other financial information you provide.

Fund allocation data is derived from SEC EDGAR NPORT filings, which are filed quarterly. Fund compositions may have changed since the last filing date. We make no guarantees about the accuracy, completeness, or timeliness of this data.

Market prices are provided by third-party data services and may be delayed or inaccurate. We are not responsible for errors in pricing data.

Account responsibility

You are responsible for maintaining the security of your account. You must:

• Use Sign in with Apple to authenticate securely.
• Not share your device access with unauthorized individuals.
• Notify us promptly if you suspect unauthorized access to your account.

You are responsible for all activity that occurs under your account.

Partner linking

When you link with a partner:

• You consent to sharing your portfolio data (account names, holdings, values) with your linked partner.
• Your partner consents to sharing their portfolio data with you.
• Either party may unlink at any time, immediately revoking mutual data access.
• You should only link with individuals you trust with your financial information.

Acceptable use

You agree not to:

• Use the service for any unlawful purpose.
• Attempt to gain unauthorized access to our systems or other users' data.
• Interfere with or disrupt the service or its infrastructure.
• Reverse engineer, decompile, or disassemble any part of the application.
• Use the service to store information on behalf of others without their consent.

Early access

This application is currently in early access. By using the service during this period:

• You understand the app may contain bugs or errors.
• You understand features may change, be removed, or become unavailable.
• You understand data entered during early access may be reset or lost.
• You agree to report bugs and provide feedback to help improve the service.

Limitation of liability

To the maximum extent permitted by law, Pair Wealth and its creators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or financial losses, arising from your use of the service.

Without limiting the foregoing, we expressly disclaim liability for any financial losses, tax consequences, or investment outcomes that result from acting on AI-generated recommendations, portfolio analytics, rebalancing suggestions, or any other information provided by the service.

The service, including all AI-powered features, 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, or accuracy of AI-generated content.

Account termination

You may delete your account at any time from the Settings screen. We reserve the right to suspend or terminate accounts that violate these terms. Upon deletion, all your data will be permanently removed from our servers.

Changes to these terms

We may update these terms from time to time. We will notify you of material changes by updating the "Last updated" date. Continued use of the service after changes constitutes acceptance of the updated terms.