Terms of Service

These Terms of Service (the “Terms”) are a legal agreement between you and Stoxava, Inc. (“Stoxava,” “we,” “us,” or “our”). By creating an account, accessing, or using the Services, you agree to these Terms and acknowledge the Privacy Policy, Important Disclosures, and any additional terms presented for a feature or plan. If you do not agree, do not use the Services.

If you use the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

You must be at least 18 years old, legally capable of entering into a binding agreement, and have your primary residence in the United States unless we expressly support another country or territory. Temporary travel outside the United States does not by itself make an otherwise eligible user ineligible, but features or professional services may be unavailable where STOXAVA or a participating professional is not authorized to operate. You may not use the Services if your use is prohibited by law or if we previously suspended your access for misuse.

The “Services” include the STOXAVA website, applications, dashboards, planning tools, calculators, connected-account features, content, support, and professional-service coordination. Features may include income planning, tax estimates and opportunities, monthly expense planning, credit and debt insights, retirement projections, investment tracking, decision-support tools, and access to qualified professionals under eligible plans.

“Planning Room” means a planning estimate of the amount that may remain after estimated reliable take-home income and the expenses, debt payments, commitments, and other amounts included in the user’s plan. Planning Room is not a bank account, stored balance, credit line, escrow, or money held or controlled by STOXAVA.

We may add, change, limit, suspend, or discontinue features. Some features may be offered only to eligible users, in staged releases, or under a paid plan.

STOXAVA provides financial-planning technology and may make personalized tax and investment services available under eligible plans. Professional advice is delivered by the qualified tax professional, financial professional, or registered investment adviser firm identified in the applicable engagement materials. That professional or firm is responsible for the advice it provides.

Unless a separate written agreement expressly states otherwise, Stoxava, Inc. is not acting as a bank, broker-dealer, custodian, accounting firm, tax-return preparer, registered investment adviser, law firm, or immigration adviser. A STOXAVA subscription or platform account alone does not create a professional-client, fiduciary, accountant-client, attorney-client, or investment-advisory relationship.

A professional relationship begins only after the applicable provider is identified and any required agreement, disclosure, consent, eligibility review, and onboarding step is completed. Professional services are also governed by the Professional Services Disclosure and the provider’s separate terms.

Calculations, projections, confidence ranges, alerts, classifications, explanations, and automated insights are estimates based on available information and assumptions that may change. They may be incomplete, delayed, or inaccurate. They are not guarantees of tax savings, investment performance, credit results, retirement readiness, eligibility, or any financial outcome.

You are responsible for reviewing your information and outputs before acting. When professional advice is included in your plan, discuss material decisions with the responsible professional.

• Provide accurate, current, and complete account information.
• Maintain the confidentiality of your password, devices, and authentication methods.
• Use available security features and promptly install relevant device and browser updates.
• Notify support@stoxava.com promptly if you suspect unauthorized access, fraud, or misuse.
• Do not allow another person to use your account unless STOXAVA expressly supports shared or delegated access.

You are responsible for activity conducted through your account until you notify us of suspected unauthorized access, except to the extent applicable law provides otherwise.

You may provide financial, employment, tax-planning, immigration or work-status, household, goal, and other information. You retain ownership of information you provide. You grant STOXAVA a nonexclusive, worldwide license to host, process, reproduce, transmit, and display that information as reasonably necessary to provide, secure, support, and improve the Services, coordinate professional services, comply with law, and enforce these Terms, subject to the Privacy Policy.

You represent that you have the right to provide the information and that it is accurate to the best of your knowledge. Do not upload information about another person unless you are authorized to do so and the Services support that use.

You may choose to connect accounts through Plaid or another approved provider. By connecting an account, you authorize STOXAVA and the provider to retrieve and process the information you select for the purposes described in the Privacy Policy. You represent that you own the account or are authorized to access and connect it.

Connected information may be delayed, incomplete, duplicated, or misclassified. You are responsible for reviewing imported information and correcting or supplementing it when necessary. Unless a feature expressly states otherwise, connected-account access is for information retrieval and does not authorize STOXAVA to move money, place trades, or execute transactions.

Eligible plans may include tax advisory sessions, investment advisory services, or a professional plan review. The scope, provider, availability, fees, conflicts, professional duties, and engagement requirements will be presented before the professional service begins.

A tax service may exclude tax-return preparation, filing, audit support, representation before a taxing authority, legal opinions, or immigration advice unless expressly included. An investment service may exclude custody, trade execution, discretionary portfolio management, ongoing monitoring, or product implementation unless expressly included by the responsible registered firm.

Before or at the time an investment-advisory relationship begins, the responsible investment adviser firm will provide its Form CRS if the firm is required to deliver one, together with any required Form ADV brochure, advisory agreement, privacy notice, fee disclosure, and conflict disclosure. STOXAVA may facilitate electronic delivery and record the user’s acknowledgement, but acceptance of these platform Terms does not replace the adviser firm’s independent delivery obligation or the user’s separate advisory agreement.

The Services may link to or integrate with financial institutions, data providers, payment processors, authentication providers, analytics services, scheduling platforms, licensed professionals, registered firms, and other third parties. Third-party services are governed by their own terms and privacy practices. STOXAVA is not responsible for a third party’s independent conduct, availability, accuracy, or services except as required by law or a written agreement with you.

You may use the Services only for lawful personal purposes or authorized organizational purposes. You may not:

• Access another person’s account or financial information without authorization.
• Use the Services for fraud, deception, unlawful discrimination, money laundering, tax evasion, market manipulation, or other illegal activity.
• Upload malicious code; bypass access controls; or interfere with the security, integrity, availability, or operation of the Services.
• Probe, scan, or test systems except as expressly authorized in writing or under an applicable vulnerability-disclosure process.
• Scrape, copy, resell, sublicense, or commercially exploit the Services or content without written permission.
• Reverse engineer or attempt to extract source code except where applicable law expressly permits it.
• Use automated means that create unreasonable load, abuse rate limits, or avoid security controls.
• Misrepresent an estimate, automated output, or general educational statement as a guarantee, signed professional opinion, or government determination.
• Use the Services to make decisions about another person where law requires additional rights, notices, licenses, or safeguards.

STOXAVA and its licensors own the Services, software, interface, designs, trademarks, documentation, and STOXAVA-created content. Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable license to use the Services for their intended purpose. No other rights are granted.

If you provide suggestions, ideas, or feedback, you authorize STOXAVA to use them without restriction or compensation, provided we do not publicly identify you without permission.

We may provide ordinary service, account, security, privacy, legal, professional-service, and billing communications electronically. You may manage optional marketing communications through the unsubscribe link or available settings. You are responsible for keeping your email address current.

When a law requires affirmative consent to receive a record electronically, STOXAVA or the responsible professional or firm will present a separate electronic-consent flow. That consent will identify the categories of records covered, any right to receive paper records, how to withdraw consent, how to update contact information, and any consequences or fees associated with paper delivery. A participating professional or firm may require its own electronic-delivery consent.

To access and retain electronic records, you need a device with internet access, a current web browser, an active email address, and software capable of viewing and saving PDF files or other formats identified in the consent flow. You may request a paper copy or withdraw an electronic-record consent by following the instructions presented with that consent or by contacting support@stoxava.com. Withdrawal does not affect the validity of records or signatures provided before withdrawal.

Prices, billing periods, included services, professional-session limits, renewal terms, and any trial terms will be shown before purchase. If a plan renews automatically, you authorize recurring charges to the payment method on file until you cancel. We will provide a reasonably simple method to cancel through the account or the method described at purchase.

Unless the purchase terms state otherwise, cancellation stops the next renewal and access continues through the end of the paid monthly or annual billing period. An annual-plan cancellation does not ordinarily produce a prorated refund. Amounts already paid are generally nonrefundable except where required by law, where STOXAVA expressly offers a refund, or where STOXAVA cannot deliver a material included service and the applicable terms provide a substitute service, credit, or refund for the undelivered portion.

Professional sessions, reviews, credits, or other plan benefits must be used within the period and limits shown at purchase. Unused benefits expire at the end of the applicable plan period and have no cash value unless the purchase terms or applicable law state otherwise. If a user has already used part of a professional-service package, any permitted refund may be reduced by the value of services already delivered. STOXAVA will provide renewal notices and cancellation methods when required by applicable law.

You may stop using the Services and request account deletion as described in the Privacy Policy. We may restrict, suspend, or terminate access if we reasonably believe you violated these Terms, created a security or legal risk, failed to pay amounts due, abused a professional or support channel, or used the Services in a way that could harm users, STOXAVA, or third parties. When practical and legally permitted, we will provide notice and an opportunity to address the issue.

The Services may be unavailable because of maintenance, provider outages, security events, institution changes, or circumstances beyond our control. We do not guarantee uninterrupted availability, continued support for every institution, or a particular data-refresh frequency.

To the maximum extent permitted by law, the Services are provided “as is” and “as available.” STOXAVA disclaims implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and warranties arising from course of dealing or usage. STOXAVA does not warrant that the Services or outputs will be accurate, complete, current, secure, error-free, or suitable for a particular decision.

This disclaimer does not limit obligations expressly accepted by a participating professional or registered firm in a separate agreement with you.

To the maximum extent permitted by law, STOXAVA and its officers, employees, contractors, affiliates, and licensors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages; loss of profits, data, goodwill, or opportunity; or financial losses arising from reliance on estimates, third-party data, user-entered information, or service interruptions.

To the maximum extent permitted by law, STOXAVA’s total liability for all claims relating to the Services will not exceed the greater of (a) the amount you paid STOXAVA for the Services during the 12 months before the event giving rise to the claim or (b) 100 U.S. dollars. Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.

Liability relating to a participating professional’s advice is governed by the professional’s or firm’s separate agreement and applicable law.

To the extent permitted by law, you agree to defend, indemnify, and hold harmless STOXAVA and its officers, employees, contractors, and affiliates from third-party claims, damages, and reasonable costs arising from your unlawful use of the Services, violation of these Terms, or violation of another person’s rights. This provision does not require indemnification for STOXAVA’s own unlawful conduct.

Please read this section carefully. It affects how disputes between you and STOXAVA are resolved.

Except for the exceptions stated below and claims governed by a participating professional’s separate agreement, you and STOXAVA agree to resolve covered disputes through binding individual arbitration rather than a lawsuit in court.

Informal resolution first. Before starting arbitration, the party raising a dispute must send a written Notice of Dispute to the other party. A notice to STOXAVA must be emailed to ayo@stoxava.com with “Notice of Dispute” in the subject line and include the user’s name, account email, a description of the dispute, the supporting facts, and the specific relief requested. The parties will attempt in good faith to resolve the matter for 45 days after a complete notice is received. A limitations period will be tolled during that 45-day period to the extent permitted by law.

Binding individual arbitration. If the dispute is not resolved informally, either party may require final and binding arbitration administered by the American Arbitration Association (“AAA”) under its then-current Consumer Arbitration Rules and Consumer Due Process Protocol. The Federal Arbitration Act governs this arbitration agreement. The arbitration may occur by documents, telephone, video, or in person as the AAA rules permit. An in-person hearing will take place in the county of the user’s primary residence unless the parties agree otherwise. The arbitrator may award any relief available to the individual claimant under applicable law, but only to the extent necessary to resolve that individual claim.

Scope and separate professional agreements. This section covers disputes arising from or relating to these Terms, the STOXAVA platform, subscriptions, communications, privacy practices, or STOXAVA’s conduct, whether based in contract, tort, statute, fraud, misrepresentation, or another legal theory. A dispute solely against a tax professional, investment adviser firm, or other participating professional is governed by that provider’s separate agreement and applicable law. If STOXAVA and a participating provider are both named, each applicable dispute provision will be evaluated according to the claims and parties involved.

Exceptions. Either party may bring an eligible individual claim in small-claims court. Either party may seek temporary or preliminary court relief necessary to protect intellectual property, confidential information, account security, or systems from unauthorized access or misuse while arbitration is pending. A governmental agency may exercise any authority available to it.

Class action waiver. You and STOXAVA agree that each may bring claims only in an individual capacity and not as a plaintiff, class member, or representative in a class, collective, consolidated, mass, or representative action. Unless every affected party agrees in writing, an arbitrator may not combine claims of different users or conduct a class, collective, consolidated, mass, private-attorney-general, or representative proceeding.

Jury-trial waiver. For any dispute that is permitted to proceed in court, you and STOXAVA knowingly and voluntarily waive, to the maximum extent permitted by law, any right to a trial by jury.

Fees. The user will pay no more than the consumer filing fee required by the AAA Consumer Fee Schedule, subject to any fee waiver. STOXAVA will pay the remaining AAA administrative fees and arbitrator compensation required of the business under the applicable rules. The arbitrator may shift fees only when authorized by applicable law or the AAA rules. Each party otherwise bears its own attorneys’ fees unless a statute or award provides otherwise.

Arbitration opt-out. A user may opt out of this arbitration agreement by emailing ayo@stoxava.com within 30 days after first accepting these Terms. The email must use “Arbitration Opt-Out” as the subject and include the user’s name, account email, and a clear statement that the user opts out of Section 21. Opting out will not affect the other Terms or access to the Services. An opt-out applies only to the individual who timely submitted it.

Governing law and court forum. Delaware law governs these Terms without regard to conflict-of-law rules, except that the Federal Arbitration Act governs the arbitration agreement. Any court proceeding permitted under this section must be brought in the state or federal courts located in New Castle County, Delaware, unless applicable consumer law requires another forum.

Severability. If a portion of this Section 21 is unenforceable, it will be modified only as much as necessary and the remainder will continue. If the class-action waiver is finally held unenforceable for a particular claim or requested remedy, that claim or remedy will proceed in court after any arbitrable issues are resolved, unless applicable law requires a different result.

We may update these Terms. We will post the revised version and update the effective date. If a change materially affects your rights, we will provide additional notice when required. Continued use after revised Terms become effective constitutes acceptance, except where law requires another form of consent.

If a provision is unenforceable, it will be modified only as much as necessary and the remaining provisions will continue. A delay in enforcement is not a waiver. You may not transfer these Terms without our consent. We may transfer them in connection with a merger, reorganization, financing, sale of assets, or operation of the Services. Headings are for convenience only. These Terms and incorporated documents are the entire agreement between you and STOXAVA concerning the Services, except for a separate professional agreement or purchase terms that expressly apply.

Questions about this document: ayo@stoxava.com. Do not send passwords, full account numbers, Social Security numbers, or other highly sensitive information by email or social media.