Please read these Terms of Use ("Terms") carefully before using appleseedplanner.com ("Platform"). The Platform, interactive planning software, and paid Appleseed Pro subscriptions are owned and operated by Appleseed Technologies LLC. The Investment Adviser Referral Service (the "Referral Service") is operated by its affiliate, Appleseed Advisory, LLC, an investment adviser registered with the US Securities and Exchange Commission ("SEC"). Please note such registration does not imply any level of skill or training. Appleseed Advisory, LLC only transacts business in states where it is registered or qualifies for an exemption or exclusion from registration. References herein to "Company," "we," "us," or "our" refer to Appleseed Technologies LLC with respect to the Platform and Pro services, and to Appleseed Advisory, LLC with respect to the Referral Service.
For more detailed information about Appleseed Advisory, LLC, its Referral Service, and associated compensation, please review Appleseed Advisory, LLC's Form ADV Part 1 and Part 2A at adviserinfo.sec.gov, along with our Form CRS (Customer Relationship Summary) available here.
IMPORTANT: These Terms contain a binding arbitration agreement and class action waiver that affect your legal rights. Please read Section 13 carefully.
1. Acceptance of Terms
By accessing and using the Platform, you represent that: (i) you are at least 18 years of age; (ii) you have read and agree to be bound by these Terms; (iii) all information you provide via the Platform is accurate and complete; and (iv) your use complies with all applicable federal, state, and local laws. These Terms constitute the entire agreement between you and the Company regarding use of the Platform and supersede any prior agreements. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE PLATFORM.
We may update these Terms at any time by posting a revised version to the Platform, so we encourage you to periodically review these Terms. Your continued use of the Platform after changes are posted constitutes your acceptance of the updated Terms.
2. Description of Service
Financial Planning Tools
You can interact with Appleseed Technologies LLC's automated financial tools on this website by inputting certain personal and financial information. The tools utilize artificial intelligence ("AI") and proprietary algorithms to generate a basic financial analysis and potential scenarios that are based on applicable historical market data and your personal and financial information.
Importantly, the projections and suggestions are hypothetical, and the output generated is provided for informational and educational purposes only. It should not be considered to be specific investment advice, and we strongly recommend that you consult a licensed financial professional who has a fiduciary relationship with you and knows your individual situation before making any investment, retirement, housing, tax, or estate planning decisions.
Investment Adviser Referral Service
Under this service, the Platform is designed to provide you with referrals to one or more unaffiliated third-party registered investment advisers ("Third-Party RIAs"). Based on specific criteria and data you provide via a questionnaire and information we have gathered from Third-Party RIAs, the Platform uses proprietary algorithms to select one or more Third-Party RIAs that appear to best match your needs ("Adviser Referral Service"). The selection is made from the full list of Third-Party RIAs that have agreed to be included on the Platform. You are responsible for making the decision of whether to engage any referred Third-Party RIA. You are under no obligation to engage any Third-Party RIA referred to you via the Platform.
Appleseed Advisory, LLC has entered into a referral agreement with each of the Third-Party RIAs on the list and serves as a promoter by referring Platform users to Third-Party RIAs. Appleseed Advisory, LLC does not charge any fee to you for using the Investment Adviser Referral Service on the Platform. Rather, Appleseed Advisory, LLC receives compensation from the Third-Party RIAs for the referrals. The receipt of this compensation creates a conflict of interest because Appleseed Advisory, LLC has an incentive to refer each Third-Party RIA. However, Appleseed Advisory, LLC does not favor one Third-Party RIA over another based on the compensation structure. The Platform selects one or more Third-Party RIAs to present to you based on the information you provided, along with information from the Third-Party RIAs. Please review Appleseed Advisory, LLC's Form ADV disclosure documents for additional information.
The Company does not guarantee the accuracy or completeness of information and data provided on this website.
THE PLATFORM DOES NOT PROVIDE INVESTMENT, TAX, OR LEGAL ADVICE OF ANY KIND.
- All outputs from the financial planning tools on the Platform - including but not limited to projected retirement dates, portfolio projections, "you can retire at age X" outputs, probability-of-success estimates, spending recommendations, and scenario comparisons - are hypothetical, illustrative projections based on historical data and assumptions you provide. They do not represent a guarantee, prediction, or promise of any actual financial outcome, and are not a substitute for advice from a licensed financial professional who understands your complete financial situation.
- Tax modeling outputs (including bracket calculations, RMD projections, capital gains estimates, and similar features) are approximations based on current publicly available tax rules and your inputs. Tax law changes frequently. Do not rely on these outputs for tax filing, tax planning, or any consequential financial decision without consulting a licensed CPA or tax professional.
We strongly recommend you consult a licensed financial professional who has a fiduciary relationship with you before making any investment, retirement, housing, tax, or estate planning decision.
3. Assumptions, Limitations, and Accuracy of Outputs
The Financial Planning Tools on the Platform use historical return data, statistical modeling, and default assumptions that may differ significantly from your actual future experience. You acknowledge and agree that:
- Past performance is not indicative of future results. Historical S&P 500 returns used as default assumptions in the Platform are not a guarantee of future market performance.
- Your inputs determine output quality. Outputs are only as accurate as the financial data and assumptions you enter. The Platform is not responsible for results based on inaccurate, incomplete, or outdated user inputs.
- Monte Carlo simulations are probabilistic models. A "70% probability of success" output means that in approximately 70% of historical market scenarios modeled, the plan did not run out of money. It does not mean you have a 70% chance of achieving your retirement goals in the real world.
- Adaptive spending, tax, and housing models contain simplifying assumptions. Real-world outcomes will differ based on actual tax law, market conditions, personal circumstances, and factors not modeled by the Platform.
- The Platform outputs may contain errors, bugs, or calculation inaccuracies. We make no warranty that the Platform is error-free or that outputs are correct.
4. Adviser Referral Service
By using the Adviser Referral Service through the Platform, you acknowledge and agree that:
- Appleseed Advisory, LLC does not manage your assets, execute trades, or provide you with investment recommendations through the Referral Service. It facilitates introductions to Third-Party RIAs only.
- Appleseed Advisory, LLC does not endorse or guarantee any Third-Party RIA and makes no representation about the qualifications, performance, suitability, or trustworthiness of any Third-Party RIA. You are solely responsible for evaluating any Third-Party RIA before engaging their services.
- Appleseed Advisory, LLC is compensated for referrals by the Third-Party RIAs. This compensation does not affect which Third-Party RIAs are presented to you. However, this compensation creates a conflict of interest. You should take this into account when evaluating any referral.
- You consent to sharing your information. By submitting a referral request, you expressly consent to Appleseed Advisory, LLC sharing your name, email address, and financial profile information with the referred Third-Party RIAs for the purpose of facilitating the introduction.
- The Third-Party RIA is solely responsible for any services it provides to you. Any relationship you enter with a Third-Party RIA is solely between you and that Third-Party RIA. Appleseed Advisory, LLC is not a party to any agreement between you and a Third-Party RIA and is not responsible for the advice, services, fees, or actions of any Third-Party RIA.
- The Third-Party RIAs' privacy policies apply to any services they provide to you. Your information shared with a Third-Party RIA is governed by their privacy policy, not ours.
You may be contacted by a Third-Party RIA by phone, email, or mail based on the information submitted through the Referral Service on this Platform.
5. User Accounts and Data
The Platform includes interactive tools and services that produce content specific to the user (you). You are solely responsible when using the tools and services, along with their output of information, and you agree that you are using them at your own risk.
You are also responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate and complete information and to promptly update information that becomes inaccurate.
You own the financial data you enter into the Platform. By using the Platform, you grant Appleseed Technologies LLC a limited, non-exclusive license to use your data to operate, secure, support, and improve the Platform as described in our Privacy Policy. We do not sell or rent linked financial-account information or payment-card data. When you request a referral as described in Section 4, Appleseed Technologies LLC may provide the requested financial-profile information to Appleseed Advisory, LLC, and Appleseed Advisory, LLC may disclose it to the referred Third-Party RIA. See our Privacy Policy for full details.
The Platform stores "cookies" on your computer. These cookies are used to collect information about how you interact with the Platform and allow us to remember you. We use this information in order to improve and customize your browsing experience and for analytics and metrics about our visitors. To find out more about the cookies we use, see our Privacy Policy.
Depending on where you live, you may have rights concerning your personal information. To learn more about the Company's information practices and how to submit a request, read our Privacy Policy.
6. Appleseed Pro and Paid Subscriptions
Appleseed Technologies LLC offers a free version of the Platform and an optional paid subscription called Appleseed Pro ("Pro"). Pro provides access to the paid features identified in the Platform at the time of purchase. Those features may include enhanced planning and tax-modeling tools, premium portfolio options, linked financial-account functionality, and additional data views or exports. Feature availability may depend on your device, account, financial institution, or a third-party provider. Appleseed Technologies LLC may add, modify, or remove features over time, subject to applicable law.
Prices and Payment Authorization
The price, currency, and monthly or annual billing interval displayed at checkout are the terms that apply to your purchase. Appleseed Pro subscriptions are sold and billed by Appleseed Technologies LLC. By purchasing Pro, you authorize Appleseed Technologies LLC and its payment processor, Stripe, to charge your selected payment method for the initial subscription period and each renewal period until you cancel. You are responsible for applicable taxes, if any.
Free Trial
If you have not subscribed to Pro before, you may be offered a 14-day free trial. You must provide a payment method to start the trial, and you will not be charged during the trial. Unless you cancel before the trial ends, your trial will automatically convert to a paid subscription, and your payment method will be charged the monthly or annual price you selected at checkout on the date shown when you signed up, and on each renewal date after that until you cancel. We will email you a reminder about 7 days before your trial ends. You may cancel at any time during the trial through the billing settings available from your account; if you do, you will not be charged and you will keep Pro until the trial ends. Free trials are limited to one per customer. We may change or end free trial offers at any time, but changes will not affect a trial already in progress.
Automatic Renewal
Pro automatically renews at the end of each billing period unless you cancel before the renewal date. A monthly subscription renews monthly, and an annual subscription renews annually. The renewal charge will be the then-current subscription price disclosed to you, plus applicable taxes. If we change the price of your subscription, we will provide any advance notice required by applicable law before the change applies to a renewal. You may cancel instead of renewing at the new price.
Cancellation
You may cancel online through the billing settings available from your account, which will direct you to Stripe's customer portal. You may also request help by emailing support@appleseedplanner.com. To avoid the next renewal charge, cancel before your renewal date. Unless otherwise stated at the time you cancel, cancellation takes effect at the end of the billing period you have already paid for, and you may continue using Pro until then. After cancellation takes effect, your account returns to the free tier and Pro-only functionality, including linked-account refreshes, may stop. Stopping use of the Platform by itself does not cancel a subscription.
Refunds
Except where required by law or expressly agreed by Appleseed Technologies LLC in writing, subscription fees are non-refundable, and Appleseed Technologies LLC does not provide credits or refunds for partially used billing periods. If you believe you were charged in error, contact support@appleseedplanner.com.
Failed Payments
If a payment fails or remains unpaid, we may retry the charge, ask you to update your payment method, limit Pro functionality, or end the subscription. You remain responsible for amounts properly incurred before cancellation or termination.
Stripe
Stripe processes subscription payments for Appleseed Technologies LLC and provides the hosted checkout and billing portal. Your payment information is also subject to Stripe's Privacy Policy and applicable terms. Appleseed Technologies LLC does not directly store your full payment-card number or card security code.
7. Intellectual Property
You are granted a limited, personal, non-transferable, non-sublicensable license to access and use the Platform for your own personal, non-commercial purposes only.
All content, software, design, algorithms, and materials on the Platform are the exclusive property of the Company or its licensors and are protected by applicable intellectual property laws.
The Company owns all rights, title, and interest in the Platform. Your use of any intellectual property displayed on or used in connection with the Platform, or any other content on the Platform, is restricted to your personal use only. This restriction includes but is not limited to copying, reproducing, or modifying any content on the Platform, for any purpose other than your own personal use. You are prohibited from selling or modifying the content or reproducing, displaying, distributing or otherwise using the content in any way for any public or business use. Your access or use of any third-party content on the Platform will also be subject to the applicable third party's rights, terms and conditions, and the third party may require you to accept additional terms of use for such access or use. Unauthorized use of any content on the Platform may violate copyright, trademark, and other laws. None of the content on the Platform may be reverse engineered, disassembled, decompiled, reproduced, or transcribed.
All pages on the Platform are intellectual property belonging to the Company and are protected by copyright laws. All copyrights for the Platform and its content are owned by the Company with all rights reserved.
8. Prohibited Conduct
In addition to the prohibited activity outlined in Section 7 above, you agree not to:
- Use the Platform for any reason other than personal use, or for any unlawful purpose or in violation of any applicable laws or regulations
- Submit any false, misleading, or fraudulent information when using the interactive tools on the Platform.
- Attempt to access, probe, or test the security or integrity of the Platform, including the secured portions of the Platform
- Use automated tools, bots, scrapers, or scripts to access or extract data from the Platform without written permission
- Use the Platform to provide professional financial planning, advisory, coaching, or consulting services to third parties
- Reproduce, republish, sell, rent, or sublicense any part of the Platform
- Engage in any conduct that damages, disables, overloads, or impairs the Platform
9. Changes to Platform
The Company reserves the right to modify or discontinue, temporarily or permanently, the Platform (or any part thereof) at any time without providing notice to you. You agree that the Company shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Platform.
10. No Warranty
THE PLATFORM IS PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" WITHOUT WARRANTY OF ANY KIND.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS, STATUTORY, AND IMPLIED, INCLUDING BUT NOT LIMITED TO: (i) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, AND NON-INFRINGEMENT; (ii) WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE; AND (iii) WARRANTIES THAT ACCESS TO OR USE OF THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
ALL FINANCIAL PROJECTIONS, SIMULATIONS, ESTIMATES, AND OUTPUTS FROM THE PLATFORM ARE PROVIDED WITHOUT ANY WARRANTY OF ACCURACY OR FITNESS FOR ANY PARTICULAR PURPOSE. ACTUAL FINANCIAL OUTCOMES MAY DIFFER MATERIALLY FROM ANY PROJECTION GENERATED BY THE PLATFORM.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES - INCLUDING LOSS OF PROFITS, INVESTMENT LOSSES, RETIREMENT SAVINGS SHORTFALLS, FINANCIAL PLANNING LOSSES, LOSS OF DATA, OR LOSS OF GOODWILL - ARISING OUT OF OR IN CONNECTION WITH:
- (i) YOUR USE OF OR INABILITY TO USE THE PLATFORM;
- (ii) RELIANCE ON ANY OUTPUT, PROJECTION, ESTIMATE, OR RECOMMENDATION GENERATED BY THE INTERACTIVE TOOLS ON THE PLATFORM OR ANY OTHER PORTION OF THE PLATFORM;
- (iii) ERRORS, INACCURACIES, OR OMISSIONS IN THE PLATFORM'S CALCULATIONS OR MODELS; AND
- (iv) THIRD-PARTY ADVISERS ACCESSED THROUGH THE REFERRAL SERVICE;
You acknowledge that the Company is providing the contents of the Platform on an "as is" basis with no warranties of any kind. The Company makes no warranty, express or implied, concerning the Platform and expressly disclaims any implied warranty of merchantability or fitness for a particular purpose. The Company further assumes no responsibility for, and makes no warranties that, functions contained on the Platform will be uninterrupted or error-free, that defects will be corrected, that the Platform is secure from unauthorized persons intercepting or accessing information transmitted by you, or that the Platform or the services that are made available will be free of viruses or other harmful components. Your use of the Platform and use or reliance upon any of the information provided on it is solely at your own risk.
Notwithstanding the above, federal and state securities laws impose liabilities under certain circumstances on persons who act in good faith, and therefore nothing herein shall in any way constitute a waiver or limitation of any rights that you may have under such laws. Specifically, Appleseed Advisory, LLC has a fiduciary duty to you solely in connection with its Investment Adviser Referral Service, which includes a duty of care and a duty of loyalty to act in your best interests regarding referrals. These duties cannot be waived, limited, or restricted. Appleseed Technologies LLC is a technology provider and does not provide investment advisory services or owe fiduciary duties.
12. Indemnification
You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, contractors, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (i) your use of the Platform; (ii) your breach of these Terms; (iii) your violation of any third-party right; (iv) any reliance on Platform outputs for actual financial decisions; or (v) any inaccurate information you provided to the Platform or to a Third-Party RIA through the Referral Service.
13. Binding Arbitration
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO RESOLVE DISPUTES THROUGH INDIVIDUAL ARBITRATION RATHER THAN COURT.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Platform, including the breach, termination, enforcement, interpretation, or validity thereof, shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules.
The arbitration shall take place in Santa Clara County, California. The arbitrator shall have exclusive authority to resolve any disputes relating to the interpretation, applicability, or enforceability of this arbitration agreement. The judgment on the award rendered by the arbitrator shall be final and binding and may be entered in any court of competent jurisdiction. Damages that are inconsistent with any applicable agreement between the parties, which are punitive in nature, or that are not measured by the prevailing party's actual damages, shall be unavailable in arbitration or any other forum. In no event, even if any other portion of these provisions is held to be invalid or unenforceable, shall the arbitrator have power to make an award or impose a remedy that could not be made or imposed by a court deciding the matter in the same jurisdiction. The arbitrator will, in the award, allocate all of the costs of the arbitration, including the fees of the arbitrator and the reasonable attorney's fees of the prevailing party, against the party who did not prevail.
This arbitration agreement does not prevent either party from seeking emergency injunctive relief in a court of competent jurisdiction to protect intellectual property rights or prevent irreparable harm pending arbitration.
You and the Company agree that any arbitration shall be conducted on an individual basis. Neither party may bring claims as a plaintiff or class member in any class, consolidated, or representative action.
You understand that this agreement to arbitrate constitutes a waiver of the right to seek a judicial forum, including trial by jury, except where such waiver would be void under federal or state securities laws. You acknowledge that your consent to this arbitration provision is voluntary, and that arbitration is final and binding on the parties.
14. Force Majeure
The Company shall not be liable for any failure to perform its obligations where such failure results from any cause beyond the Company's reasonable control, including, but not limited to, natural disasters, acts of government, pandemic, power or internet outages, or technological failures.
15. Governing Law and Venue
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles.
16. Third-Party Services and Links
The Platform may integrate with or link to third-party services (including data providers, analytics tools, communication platforms, and AI providers). The Company is not responsible for the content, accuracy, practices, or security of any third-party service. Your use of third-party services is at your own risk and subject to their respective terms and privacy policies.
17. Termination
The Company may terminate or suspend your access to the Platform at any time, with or without cause or notice. You may terminate your use of the Platform at any time. Upon termination, all licenses granted to you under these Terms will immediately cease. Provisions that by their nature should survive termination will survive, including provisions concerning accrued payment obligations, intellectual property, disclaimers, limitations of liability, indemnification, dispute resolution, and governing law.
18. Severability and Waiver
If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect. The Company's failure to enforce any provision of these Terms is not a waiver of its right to do so in the future.
19. Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company with respect to the Platform and supersede all prior or contemporaneous agreements, representations, or understandings.
20. Contact Information
For questions regarding the Platform, software, or Appleseed Pro:
Appleseed Technologies LLC
For questions regarding the Investment Adviser Referral Service or Form ADV/CRS:
Appleseed Advisory, LLC