Terms Version 1.0 — Effective August 17, 2026
PLEASE READ THIS AGREEMENT CAREFULLY. IT LIMITS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO A JURY TRIAL, YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, AND YOUR RIGHT TO RECOVER ANY DAMAGES WHATSOEVER FROM THE LICENSOR. IF YOU DO NOT AGREE TO EVERY PART OF THIS AGREEMENT, DO NOT DOWNLOAD, INSTALL, OR USE THE SOFTWARE.
This End User License Agreement and Terms of Use (the "Agreement") is a binding legal contract between you ("you" or "User") and Tikuno Media LLC, a Delaware limited liability company ("Licensor," "we," "us," or "our"), the licensor, distributor, and copyright holder of the desktop software application known as Wealth (the "Software").
By clicking "I Agree," by checking an acceptance box, by downloading the Software, by installing the Software, or by using the Software in any way, you acknowledge that you have read this Agreement, that you understand it, and that you agree to be bound by every term in it. If you are entering into this Agreement on behalf of a company, trust, partnership, or other entity, you represent that you have the authority to bind that entity, and "you" refers to both you individually and that entity.
You are accepting this Agreement twice — once when you download the Software and once when you first run it. Each acceptance is independently binding.
The Software is a private, local record-keeping and organization tool. It displays information that you enter, that you import, or that it retrieves from third-party sources, and it performs arithmetic on that information.
The Software is not financial advice. Nothing the Software displays, calculates, generates, suggests, scores, ranks, summarizes, or produces — including any output labeled "ideas," "insights," "analysis," "score," "recommendation," or anything similar — is investment advice, tax advice, accounting advice, legal advice, or a recommendation to buy, sell, or hold any security, asset, or instrument.
Licensor is not a fiduciary. Licensor is not a registered investment adviser, broker-dealer, bank, trust company, accountant, tax preparer, attorney, or financial planner, and is not registered with or licensed by any financial regulatory authority. No advisory, fiduciary, professional, or confidential relationship of any kind is created between you and Licensor by this Agreement or by your use of the Software.
You must consult qualified professionals. Before making any financial, investment, tax, estate, or legal decision, you must consult your own licensed and qualified professional advisers. You agree that you will not rely on the Software as a basis for any such decision, and that any decision you make remains entirely your own.
Artificial intelligence output is unreliable by nature. The Software uses large language models and other automated systems to read documents, extract figures, classify holdings, and generate written commentary and idea screens. These systems make mistakes. They misread numbers, invent details that are not present in the source, mis-assign holdings, and state incorrect conclusions with apparent confidence. You must independently verify every figure and every statement before relying on it for any purpose.
Values, balances, prices, cost bases, gains, losses, allocations, performance figures, property valuations, and every other number the Software displays are for informational and organizational purposes only and are not guaranteed to be accurate, current, complete, or correct.
Data may be derived from: information you enter by hand; documents you import; automated extraction performed by artificial intelligence; and third-party data providers including, without limitation, Yahoo Finance, Financial Modeling Prep, CoinGecko, Google (Gemini and Places), Redfin, Zillow, and financial institution portals you choose to connect. Licensor does not control, audit, endorse, or verify any of these sources, and does not guarantee their availability, accuracy, or continued operation.
The Software is not a statement of account, a tax document, an audit, a valuation, an appraisal, or a financial statement, and must never be used as one. Your official account statements, custodial records, and tax documents from your financial institutions are the authoritative source. Where the Software disagrees with those documents, those documents are correct and the Software is wrong. You are solely responsible for verifying every figure against them.
The Software is early-access, pre-release software. It contains defects. Features will change, break, and be removed. Data structures may change in ways that require you to re-import your information or that render existing data unreadable.
You are solely responsible for maintaining independent backups of all of your data. The Software stores information locally on your computer. Licensor has no copy of your data, cannot recover it, and has no ability to restore it under any circumstance. Loss, corruption, deletion, or inaccessibility of your data — for any reason, including a defect in the Software — is your risk alone and is expressly covered by the limitations in Sections 9 through 12.
You are also solely responsible for the security of your own computer, your operating system account, your device encryption, your passwords, your credentials for any third-party service, and your physical control of the device on which the Software is installed.
Subject to your continuous compliance with this Agreement, Licensor grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use one copy of the Software on computers you own or control, solely for your own personal or internal business record-keeping.
The Software is licensed, not sold. Licensor retains all right, title, and interest in and to the Software, including all intellectual property rights. You receive no rights except those expressly granted here.
You may not, and may not permit any other person to: copy, distribute, publish, sell, rent, lease, lend, or sublicense the Software; modify, adapt, translate, or create derivative works from the Software; reverse-engineer, decompile, or disassemble the Software, or otherwise attempt to derive its source code, except to the minimum extent that applicable law expressly prohibits this restriction; remove, obscure, or alter any proprietary notice; use the Software to provide a service to third parties, including any advisory, bookkeeping, reporting, or valuation service; use the Software in violation of any law or regulation; or use the Software to develop a competing product.
The Software can open financial institution websites inside an embedded browser window so that you may sign in to those institutions directly. You sign in to those institutions yourself, and your credentials go directly to them. Licensor does not receive, store, or transmit your institutional credentials.
Your use of any third-party service is governed by that third party's own terms and privacy policy, not this Agreement. Licensor is not responsible for, and expressly disclaims all liability arising from, any third-party service — including its accuracy, availability, security, pricing, interruption, change, discontinuation, or any act or omission by that third party, and including any consequence of your accessing that service through the Software. Accessing an institution's website through automated or embedded means may violate that institution's own terms of service; determining whether your use complies with your agreements with your financial institutions is entirely your responsibility.
Licensor's handling of information is described in the Privacy Policy, which is incorporated into this Agreement by reference and is available at https://investorupdate.com/privacy. In summary: your portfolio data is stored locally on your own computer, and Licensor never receives it. Certain narrowly-scoped data — such as ticker symbols sent for price quotes, and the contents of documents you explicitly choose to have parsed by artificial intelligence — is transmitted to third-party providers in order to perform the function you requested. You consent to that transmission by using those features.
YOU USE THE SOFTWARE ENTIRELY AT YOUR OWN RISK.
You expressly acknowledge and agree that:
THE SOFTWARE IS PROVIDED "AS IS," "WITH ALL FAULTS," AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LICENSOR EXPRESSLY DISCLAIMS ALL WARRANTIES, CONDITIONS, AND REPRESENTATIONS OF EVERY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND SYSTEM INTEGRATION.
LICENSOR DOES NOT WARRANT THAT THE SOFTWARE WILL MEET YOUR REQUIREMENTS; THAT IT WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT ANY DEFECT WILL BE CORRECTED; THAT ANY DATA WILL BE ACCURATE, PRESERVED, OR RECOVERABLE; OR THAT THE SOFTWARE IS FREE OF HARMFUL COMPONENTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM LICENSOR OR THROUGH THE SOFTWARE, CREATES ANY WARRANTY.
Some jurisdictions do not allow the exclusion of certain warranties. In those jurisdictions, the above exclusions apply to the fullest extent permitted by law, and any warranty that cannot lawfully be excluded is limited in duration to thirty (30) days from your first installation of the Software.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LICENSOR, OR ANY OF ITS MEMBERS, MANAGERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, LICENSORS, SUPPLIERS, OR SUCCESSORS (COLLECTIVELY, THE "PROTECTED PARTIES"), BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND WHATSOEVER ARISING OUT OF OR RELATING IN ANY WAY TO THE SOFTWARE, THIS AGREEMENT, OR YOUR USE OF OR INABILITY TO USE THE SOFTWARE.
THIS EXCLUSION APPLIES TO ALL CATEGORIES OF DAMAGES WITHOUT LIMITATION, INCLUDING DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, STATUTORY, AND TREBLE DAMAGES; LOST PROFITS; LOST REVENUE; LOST OR DIMINISHED INVESTMENT VALUE; INVESTMENT LOSSES OR FORGONE GAINS; TRADING LOSSES; TAX LIABILITIES, PENALTIES, OR INTEREST; PROFESSIONAL FEES; LOSS OF DATA; COST OF RECONSTRUCTING DATA; COST OF SUBSTITUTE SOFTWARE OR SERVICES; BUSINESS INTERRUPTION; LOSS OF GOODWILL OR REPUTATION; AND PERSONAL INJURY OR EMOTIONAL DISTRESS.
THIS EXCLUSION APPLIES REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED — INCLUDING CONTRACT, WARRANTY, STRICT LIABILITY, NEGLIGENCE, MISREPRESENTATION, PRODUCT LIABILITY, STATUTE, OR ANY OTHER THEORY — AND APPLIES EVEN IF A PROTECTED PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, EVEN IF SUCH DAMAGES WERE FORESEEABLE, AND EVEN IF ANY REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.
AGGREGATE CAP. If, notwithstanding the foregoing, any Protected Party is found liable to you for any reason, the total aggregate liability of all Protected Parties for all claims of every kind, in the aggregate and not per claim, shall not exceed the greater of (a) the total amount you actually paid Licensor for the Software during the twelve (12) months immediately preceding the event giving rise to the claim, or (b) five United States dollars (US $5.00). You acknowledge that the Software is currently provided free of charge and that the amount you have paid is therefore zero dollars (US $0.00).
BASIS OF THE BARGAIN. You acknowledge that the disclaimers and limitations in Sections 8 through 12 are a fundamental basis of the bargain between you and Licensor, that they reflect a reasonable and agreed allocation of risk for software provided at no charge, and that Licensor would not provide the Software to you on any other terms.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, the liability of the Protected Parties is limited to the smallest amount permitted by applicable law.
YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISSATISFACTION WITH, DEFECT IN, OR HARM ARISING FROM THE SOFTWARE — AND FOR ANY BREACH OF THIS AGREEMENT BY LICENSOR — IS TO STOP USING THE SOFTWARE AND UNINSTALL AND DELETE IT. You agree that this remedy is adequate and that you will seek no other.
You agree to indemnify, defend, and hold harmless the Protected Parties from and against any and all claims, demands, actions, proceedings, investigations, liabilities, damages, judgments, awards, settlements, fines, penalties, losses, costs, and expenses — including reasonable attorneys' fees, expert fees, and court costs — arising out of or relating to: (a) your use of or inability to use the Software; (b) any decision, action, or omission by you or by any person relying on information you produced using the Software; (c) your breach of this Agreement or of any representation you made in it; (d) your violation of any law or of the rights of any third party, including any financial institution, tax authority, beneficiary, investor, co-owner, spouse, or fiduciary; and (e) any data, document, or content you entered into or imported into the Software.
Defense costs are payable as they are incurred. You shall pay the Protected Parties' reasonable defense costs on an ongoing basis as invoiced, and not solely upon final resolution of the matter. Licensor may, at its own election and at your expense, assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate fully with that defense. You may not settle any such matter in a way that imposes any obligation or admission on a Protected Party without Licensor's prior written consent.
ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATING TO THE SOFTWARE OR THIS AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER THE CLAIM OR CAUSE OF ACTION AROSE, OR IT IS PERMANENTLY BARRED. You and Licensor knowingly and voluntarily agree to shorten any longer limitations period that would otherwise apply, to the maximum extent permitted by law.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS AND REQUIRES INDIVIDUAL ARBITRATION INSTEAD OF A COURT TRIAL BEFORE A JUDGE OR JURY.
(a) Informal resolution first. Before starting any arbitration or lawsuit, you must first send a written notice of dispute to legal@investorupdate.com describing the dispute and the relief you seek. You and Licensor will attempt in good faith to resolve the dispute informally for sixty (60) days from the date of that notice. This step is a condition precedent to commencing arbitration.
(b) Binding arbitration. Except as stated in subsection (d), any dispute, claim, or controversy arising out of or relating to the Software or this Agreement — including its formation, interpretation, breach, enforcement, or validity — shall be resolved exclusively by final and binding individual arbitration, and not in court. The arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, before a single arbitrator, seated in Los Angeles County, California (with telephonic or video participation available to you). The arbitrator, and not any court, has exclusive authority to resolve any dispute about the scope, applicability, enforceability, or formation of this arbitration agreement. The arbitrator's award is final and binding and may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this Section.
(c) Class action and jury trial waiver. YOU AND LICENSOR EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, COORDINATED, OR REPRESENTATIVE ACTION, OR TO ACT AS A PRIVATE ATTORNEY GENERAL. All claims must be brought solely in your individual capacity. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. The arbitrator may not consolidate or join the claims of more than one person. If this subsection (c) is found unenforceable as to any claim or request for relief, that particular claim or request shall be severed and heard in court in the venue named in Section 15, while all remaining claims proceed in arbitration.
(d) Exceptions. Either party may (i) bring an individual action in small claims court, and (ii) seek injunctive or other equitable relief in the courts named in Section 15 to protect intellectual property rights or to prevent unauthorized use of the Software, without first completing the steps in subsections (a) and (b).
(e) Your right to opt out. You may opt out of this Section 14 by sending written notice to legal@investorupdate.com within thirty (30) days of your first acceptance of this Agreement, stating your name and your intent to opt out of arbitration. Opting out affects only this Section 14; every other provision of this Agreement, including Sections 9 through 13, remains fully in force.
This Agreement is governed by the laws of the State of California, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
For any matter not subject to arbitration under Section 14, you and Licensor consent to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles County, California, and waive any objection to that venue on grounds of inconvenient forum.
Attorneys' fees. In any action or proceeding to enforce or interpret this Agreement, the prevailing party is entitled to recover its reasonable attorneys' fees, expert fees, and costs from the non-prevailing party. As required by California Civil Code § 1717, this provision applies reciprocally to both parties.
The Software is offered only to residents of the United States. It is not offered to, and may not be used by, residents of the European Economic Area, the United Kingdom, or Switzerland. By accepting this Agreement, you represent that you are not a resident of any of those jurisdictions. You are responsible for compliance with all local laws if you access the Software from outside the United States.
You further represent that you are not located in, under the control of, or a national or resident of any country subject to United States embargo, and that you are not on any United States government list of prohibited or restricted parties.
This Agreement takes effect upon your first acceptance and continues until terminated. You may terminate at any time by uninstalling and deleting the Software. Licensor may terminate or suspend this license immediately, without notice, for any reason, including your breach of any term. Upon termination you must immediately cease all use of the Software and delete all copies.
Licensor has no obligation to provide support, maintenance, updates, upgrades, bug fixes, or continued availability of the Software or of any download, server, or service supporting it, and may modify or discontinue any of them at any time without notice or liability.
Sections 2, 3, 4, 6, and 8 through 21 survive any termination of this Agreement.
Licensor may revise this Agreement from time to time. Revisions are effective when the updated Agreement is posted at https://investorupdate.com/terms and, for material changes, when you are next prompted to accept within the Software. Your continued use of the Software after a revision constitutes your acceptance of it. If you do not agree to a revision, your remedy is to stop using the Software and delete it.
If any provision of this Agreement is held invalid, unlawful, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable and to give maximum effect to the parties' original intent; if it cannot be so modified, it shall be severed, and all remaining provisions shall remain in full force and effect. In particular, the invalidity of any provision of Section 14 shall not affect the enforceability of Sections 9 through 13, and the invalidity of any provision of Sections 9 through 13 shall not affect the enforceability of the remainder of those Sections or of Section 14.
Licensor's failure to enforce any provision is not a waiver of that provision or of any other. No waiver is effective unless in a writing signed by Licensor.
This Agreement, together with the Privacy Policy, is the entire agreement between you and Licensor concerning the Software, and supersedes all prior or contemporaneous communications, proposals, representations, and understandings, whether oral or written. You acknowledge that you have not relied on any statement, representation, warranty, or promise not expressly set out in this Agreement.
You may not assign or transfer this Agreement or any rights under it, by operation of law or otherwise, without Licensor's prior written consent; any attempt to do so is void. Licensor may assign this Agreement freely. This Agreement binds and benefits the parties and their permitted successors and assigns.
Headings are for convenience only and do not affect interpretation. This Agreement shall not be construed against Licensor as the drafter.
Tikuno Media LLC 9663 Santa Monica Blvd #1446 Beverly Hills, CA 90210
General and support: info@investorupdate.com Legal notices, disputes, and arbitration opt-out: legal@investorupdate.com
Notices to you may be provided by email to the address you supplied, by posting at https://investorupdate.com, or by display within the Software, and are deemed received when sent, posted, or displayed.
Wealth is a product of Tikuno Media LLC. © 2026 Tikuno Media LLC. All rights reserved.