Important: AffluenceEdge provides educational tools and content only. Nothing on this site constitutes personalized investment advice. By using AffluenceEdge, you agree to these terms and acknowledge that you are responsible for your own investment decisions.
By accessing or using the AffluenceEdge website at affluenceedge.com (the "Site"), including the Portfolio Health Analyzer tool and The Edge Letter newsletter, you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.
We reserve the right to update these terms at any time. Continued use of the Site after changes constitutes acceptance of the revised terms.
This is the most important section. Please read it carefully.
AffluenceEdge is not a registered investment adviser, broker-dealer, financial planner, or fiduciary. Nothing on this Site — including portfolio health scores, analysis outputs, recommendations, newsletter content, or any other communication — constitutes personalized investment advice, a recommendation to buy or sell any security, or a solicitation to engage in any investment activity.
All content is provided for educational and informational purposes only. The portfolio analysis tool produces algorithmic outputs based on general investment frameworks and publicly available information. These outputs do not account for your complete financial situation, tax circumstances, investment objectives, or risk profile.
Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal.
Before making any investment decision, you should consult with a qualified financial adviser, certified financial planner, or registered investment adviser who understands your complete financial situation.
The Portfolio Health Analyzer and all related content are designed to help you understand general portfolio concepts and identify areas for further research and discussion with qualified professionals. The tool's outputs — including diversification scores, fee estimates, tax efficiency flags, and recommendations — are illustrative and educational in nature.
We make no representation or warranty that any analysis, score, or recommendation will result in profitable investment outcomes.
You must be at least 18 years old to use AffluenceEdge. By using the Site, you represent that you are 18 or older and have the legal capacity to enter into these terms.
You agree to use AffluenceEdge only for lawful purposes and in accordance with these Terms. You agree not to:
All content on the Site — including text, design, code, graphics, logos, and the AffluenceEdge Portfolio Health Analyzer — is owned by or licensed to AffluenceEdge and protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any Site content without our prior written permission. Personal, non-commercial use of the tool's outputs for your own portfolio analysis is permitted and encouraged.
We make reasonable efforts to ensure the accuracy of information on the Site, including the financial frameworks and data used in the Portfolio Analyzer. However, we make no warranty, express or implied, regarding the accuracy, completeness, or fitness for purpose of any content.
Financial data, expense ratios, and market information included in the tool may not reflect the most current figures. Always verify important financial data with primary sources before making decisions.
To the fullest extent permitted by law, AffluenceEdge and its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of — or inability to use — the Site or its content, including any investment decisions made in reliance on information from the Site.
Your use of the Site is at your own risk. The Site is provided on an "as is" and "as available" basis without warranties of any kind.
The Site may contain links to third-party websites. These links are provided for convenience only. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to review the terms and privacy policies of any third-party sites you visit.
When Pro subscriptions are available, additional terms will apply, including billing terms, cancellation policies, and refund policies. These will be presented clearly before purchase and incorporated into these Terms by reference.
All subscriptions are subject to a 30-day money-back guarantee as described on the Pricing page at the time of purchase.
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration, except where prohibited by law.
Questions about these Terms? Contact us at hello@affluenceedge.com.