Terms of Service

1. The agreement

These terms are between you and HenryFi, Inc. ("HenryFi", "we"), a Delaware corporation based in Bellevue, Washington. They apply to the henryfi.ai website and its subpages, to HenryFi Beacon (the portal for advisory firms), and to the services HenryFi provides to professional firms. By using the site or the services you agree to them. If you use the services on behalf of a firm, you confirm that you may bind that firm.

A firm that has a signed agreement or order with HenryFi is also bound by that document. Where it conflicts with these terms, the signed document wins for that firm.

Our Privacy Policy explains how we handle information and is part of these terms.

2. What HenryFi is, and is not

HenryFi is a technology and data company. It licenses software and research to registered investment advisory firms and other professional firms, and it offers individuals educational tools and, where available, an introduction to an independent advisor.

HenryFi is not an investment adviser, broker-dealer, bank, law firm, accounting firm or insurance agency. Nothing on this site is investment, legal, tax, accounting or insurance advice, and nothing on it is an offer to buy or sell any security. HenryFi does not hold, move or manage anyone's money.

The advisors HenryFi introduces are independent and are not affiliated with HenryFi. HenryFi does not supervise their advice, monitor their performance or take part in managing any account. Any advisory relationship is governed by your separate agreement with the advisor.

3. Using the site

You must be at least 18 to use the site. You agree not to misuse it: no attempts to break in, scrape, overload or interfere with it; no automated submission of forms; no copying of its content for a competing product; no use that breaks the law or anyone else's rights.

Where a feature signs you in with a code sent to your email, you are responsible for what is done through that sign-in and for telling us promptly if you think it has been used by someone else.

We may change, suspend or remove any part of the site at any time, and we may suspend access for anyone who breaks these terms.

4. Educational content, tools and calculators

The articles, quizzes, calculators, document readers and other tools on this site are educational and illustrative. They rely on the assumptions stated on each page and on what you type or load into them, they can contain errors, and the results are not a recommendation to do or not do anything. Check important figures with a qualified professional before acting on them.

Some tools read a document from your own computer and do the work in your browser. They can miss or misread provisions, and they do not replace a review by an attorney, accountant or advisor.

Example households, signals and figures shown on demonstration pages are illustrative and are not real client data.

5. Introductions to advisors

If you ask HenryFi to introduce you to an advisor, you choose the advisor from the options shown, and only the advisor you choose receives your contact details. Introductions are made only with your consent, which you can withdraw at any time.

HenryFi is paid by advisory firms that license its software and services. You pay HenryFi nothing. Because HenryFi is paid by firms, it has an interest in introductions being made; the specific arrangement is disclosed with each introduction before you are put in contact with an advisor.

HenryFi checks an advisor's registration on public regulatory records when the advisor joins the network. Those records can be out of date, and the check is not a guarantee of any advisor's fit for you or of any result. Choosing an advisor through HenryFi does not create a contract with that advisor; any engagement is on terms you agree with the advisor directly.

6. Services for advisory firms

What is provided. A firm's written agreement or order describes the service, the territory and segment covered, any exclusivity, the delivery cadence and the fees. Research is delivered through HenryFi Beacon or by another method the agreement names.

How the firm may use it. Research is licensed to the firm for its own business development, by its own staff. The firm may not resell it, share it outside the firm, load it into a third-party marketing platform without HenryFi's written consent, or use it to contact anyone who has asked not to be contacted. The firm is responsible for its own compliance, including any disclosure its regulators require about its arrangement with HenryFi, and for how its staff communicate with the people described in the research.

What HenryFi claims about it. HenryFi describes how each record was checked. Scores and estimates are modelled and are offered for prioritisation only. HenryFi does not represent that any person described will respond, meet, or become a client, and it does not guarantee any business result.

Fees and invoicing. Fees are set out in the firm's agreement. HenryFi invoices by email. Unless the agreement says otherwise:

• Invoices are due within 30 days of the invoice date.
• Payment is by ACH transfer, wire, or, where offered, by card through our payment processor. Card and bank details are handled by the processor; HenryFi does not store them.
• Recurring licence fees are invoiced in advance for each billing period. Usage-based fees, where agreed, are invoiced in arrears against a delivery log the firm can review.
• Fees exclude taxes. The firm pays any sales, use or similar tax that applies to its purchase.
• If an invoice is more than 30 days overdue, HenryFi may pause deliveries and portal access after written notice until it is paid.

Term and cancellation. The agreement states its term. Unless it says otherwise, either party may end it for convenience on 30 days' written notice, and either party may end it immediately if the other materially breaches it and does not cure the breach within 15 days of being told. On termination the firm keeps the research already delivered, under the use restrictions above, and any outcome-reporting obligation in the agreement continues for the period it states.

Refunds and disputes. Fees for services already delivered are not refundable. If a firm has prepaid for a period that extends past the end of the agreement, HenryFi refunds the unused portion pro rata within 30 days of the end date. To dispute an invoice, write to us within 30 days of the invoice date and say why; the undisputed part remains due. We will work through a disputed invoice with the firm in good faith.

Free and pilot deliveries. Where HenryFi provides a delivery free of charge or as a pilot, every other part of this section still applies to it.

Cancellation requests and invoice questions go to frankie@henryfi.ai.

7. Intellectual property

HenryFi and its licensors own the site, the services, the software, the research and the materials on them, including the HenryFi name and marks. You get a limited, revocable, non-transferable right to use them as these terms and your agreement allow, and no other right. Content you give us stays yours; you give HenryFi the right to use it to provide the service to you.

If you send us feedback or suggestions, we may use them without obligation to you.

8. Third-party services and links

The site links to other websites and uses third-party services to operate (listed in the Privacy Policy). HenryFi does not control them and is not responsible for their content or practices. A mention of a company, publication or award on this site does not mean that it endorses HenryFi unless we say so.

9. Automated systems and AI

Parts of the site and services are produced with automated systems, and some features use third-party AI models to draft or format text or to transcribe speech. Financial figures are produced by calculators with stated assumptions, not by a language model. Automated output can be wrong or incomplete. You are responsible for checking anything you rely on.

10. Disclaimers

The site and the services are provided "as is" and "as available". To the fullest extent the law allows, HenryFi disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. HenryFi does not warrant that the site will be uninterrupted or error-free, that any figure is correct, that any introduction becomes a client, or that any investment or business result will follow from using the site or the services.

11. Limitation of liability

To the fullest extent the law allows, HenryFi and its officers, directors, employees and contractors are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data or goodwill, arising out of or relating to the site or the services, however caused, even if told of the possibility.

To the same extent, HenryFi's total liability for all claims relating to the site or the services is limited to the greater of the fees you paid HenryFi in the 12 months before the claim arose and one hundred U.S. dollars. Some jurisdictions do not allow some of these limits, in which case they apply to the extent permitted.

If you use the services on behalf of a firm, the firm will defend and indemnify HenryFi against third-party claims arising from the firm's use of the research in breach of these terms or its agreement, including claims from people the firm contacted.

12. Governing law and disputes

These terms are governed by the laws of the State of Washington, without regard to its conflict-of-laws rules. Before starting a legal claim, each side agrees to write to the other describing the dispute and to spend 30 days trying to resolve it. Any claim not resolved that way will be brought in the state or federal courts located in King County, Washington, and both sides consent to their jurisdiction. A firm's signed agreement may name a different law or forum, in which case that applies to that firm.

13. Changes to these terms

When we change these terms we update the date at the top. For a material change we will say so on this page in advance, and we will tell firms with a current agreement directly. Continuing to use the site or the services after a change takes effect means you accept it. A firm's signed agreement changes only by a document signed by both sides.

14. Contact

Email: frankie@henryfi.ai

Mail: HenryFi, Inc., 12819 SE 38th Street, PMB 564, Bellevue, WA 98006, United States

Other ways to reach us are on the contact page.