Terms of Service

These Terms of Service ("Terms") govern your access to and use of the EquityNav website, AI-powered equity compensation platform (the "Platform"), and any related services (collectively, the "Services") provided by EquityNav Corp. ("EquityNav," "we," "us," or "our"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

If your access to the Platform is governed by a separate Early Access Agreement, that agreement controls in the event of any conflict with these Terms.

1. Description of the Services

EquityNav provides an AI-powered software platform that transforms equity compensation complexity into clear, real-time insights for financial advisors, CPAs, and wealth management professionals. The Platform helps users analyze stock options (ISOs, NSOs), restricted stock units (RSUs), AMT implications, withholding gaps, exercise timing, and related equity planning scenarios for their clients.

2. Eligibility and accounts

The Services are intended for use by licensed financial advisors, CPAs, wealth management professionals, and their firms. By creating an account, you represent that:

• You are at least 18 years of age and have the legal capacity to enter into these Terms.
• You have the authority to bind your firm to these Terms, if applicable.
• All registration information you provide is accurate, current, and complete.
• You will maintain the security of your account credentials and promptly notify us of any unauthorized access.

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

3. Not financial, tax, or investment advice

EquityNav provides information and analytical tools only. Nothing on the website or Platform constitutes financial, tax, legal, or investment advice. The Platform is designed to help licensed professionals scale and deliver their own advice more efficiently. All recommendations and advice to clients must come from your own licensed professionals.

Platform output should be treated as informational input to assist your advisory services, not as a direct recommendation to any end client. You acknowledge that Platform output may be incomplete or incorrect and agree to review all output before relying on it or sharing it with clients. You remain solely responsible for compliance with all applicable professional licensing requirements and financial services regulations.

4. Permitted use and restrictions

You may use the Services for their intended purpose — evaluating and managing equity compensation scenarios for your firm's clients. You may not:

• Reverse engineer, decompile, disassemble, or attempt to derive the source code or underlying algorithms of the Platform.
• Use the Services for competitive analysis, benchmarking, or to develop a competing product.
• Share login credentials with unauthorized users or allow access by individuals not covered under your agreement.
• Circumvent security measures or interfere with Platform operation.
• Replicate, reproduce, or re-create EquityNav's user experience, interfaces, or design.
• Rent, lease, sublicense, distribute, or transfer Platform access to third parties.
• Use the Services for any unlawful purpose or in violation of applicable financial services regulations.
• Extract, scrape, or systematically collect data from the Platform.
• Submit personal data to the Platform unless expressly permitted (see our Privacy Policy).
• Use the Platform, its outputs, or Question-Answer Pairs to train, fine-tune, or develop any competing AI models or financial planning tools, or attempt to reconstruct EquityNav's proprietary models, logic, or system architecture.

5. Client Data

You may input client names, states of residence, and dates of birth into the Platform, along with equity compensation details needed for analysis. Social security numbers and account numbers are not required for Platform operation and should not be submitted. You represent that you have obtained all necessary consents from your clients for data processing through the Platform and that such consents are consistent with your existing client agreements.

For full details on how we handle data, please review our Privacy Policy.

6. Intellectual property

(a) EquityNav ownership

EquityNav retains all right, title, and interest in and to the Platform, including all software, algorithms, AI models, interfaces, content, trademarks, and other intellectual property. Nothing in these Terms grants you any ownership rights in the Platform.

(b) Your output

As between you and EquityNav, you own the output generated for your clients during Platform use. You grant EquityNav a worldwide, perpetual, irrevocable, royalty-free license to use such output in anonymized form for purposes of operating, improving, and training the Platform and our AI systems, and for creating aggregated industry benchmarks.

(c) Feedback

Any feedback, suggestions, or ideas you provide about the Platform will be treated as non-confidential. You assign to EquityNav all rights in such feedback, and we may use it for any purpose without attribution or compensation.

7. Third-party services

The Platform may integrate with or rely upon third-party services, software, or infrastructure. EquityNav disclaims any liability for such third-party services, and your use of the Platform may be subject to third-party terms of service. We are not responsible for the availability, accuracy, or content of any third-party services.

8. Service availability

We strive to keep the Services available but do not guarantee uninterrupted or error-free operation. We may update, modify, suspend, or discontinue the Services (or any part of them) at any time, with or without notice. Your continued use of the Services following any update constitutes acceptance of such update.

9. Disclaimer of warranties

10. Limitation of liability

EquityNav's total aggregate liability under these Terms shall not exceed the greater of one hundred dollars ($100) or the total amount you paid to EquityNav in the twelve (12) months preceding the event giving rise to liability. Any claim arising under these Terms must be brought within one (1) year after the cause of action arises.

11. Indemnification

You agree to indemnify, defend, and hold harmless EquityNav and its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from: (a) your use or misuse of the Services; (b) your breach of these Terms; (c) your violation of applicable laws or regulations; (d) any advice, recommendations, or services you provide to your clients using Platform output; and (e) any claims by your clients or third parties related to your use of the Services.

12. Termination

Either party may terminate access to the Services at any time. We may suspend or terminate your access immediately if we believe you have violated these Terms. Upon termination, your right to use the Services ceases immediately. Sections that by their nature should survive termination will survive, including sections on intellectual property, disclaimer of warranties, limitation of liability, indemnification, and governing law.

13. Compliance with laws

You will comply with all applicable laws, regulations, and industry standards in connection with your use of the Services, including data privacy laws (CCPA, GDPR where applicable), financial services regulations, and professional licensing requirements. You are responsible for ensuring your use of the Platform complies with all regulatory requirements governing your practice.

14. Class action waiver

15. Governing law and dispute resolution

These Terms are governed by the laws of the State of Delaware without regard to conflict-of-law principles. Any disputes arising under these Terms shall be resolved through binding arbitration under the rules of the American Arbitration Association. The arbitration will be conducted in Delaware, and each party will bear its own costs.

16. Changes to these Terms

We may modify these Terms at any time by posting updated terms on this page. We will update the "Last updated" date and may notify you through the Platform or by email for material changes. Your continued use of the Services after any changes constitutes acceptance of the updated Terms.

17. General provisions

• These Terms, together with our Privacy Policy and any applicable Early Access Agreement, constitute the entire agreement between you and EquityNav regarding the Services.
• If any provision is found unenforceable, the remainder will continue in full force and effect.
• These Terms may not be assigned by you without EquityNav's prior written consent. EquityNav may assign these Terms without restriction.
• Our failure to enforce any provision of these Terms will not constitute a waiver of that provision.
• Electronic communications from EquityNav will satisfy any legal communication requirements.

18. Contact

Questions about these Terms? Contact us at:

Note: These Terms of Service are provided for general informational purposes. We recommend having them reviewed by your legal counsel to ensure they meet all applicable regulatory requirements.