Terms of Service

Effective Date: May 25, 2026
Company: ArthIQ, Inc. ("The ArthIQ Daily", "we", "us", or "our")

Welcome to The ArthIQ Daily. By checking the consent box during registration and using our application, website, and related services (collectively, the "Service"), you agree to be strictly bound by these Terms of Service ("Terms"). We reserve the right to modify these Terms with fifteen (15) days advance notice, and to modify subscription pricing with thirty (30) days advance notice, provided via email.

The Service is restricted to individuals who are at least eighteen (18) years of age and are U.S. residents or U.S. persons. By using the Service, you represent and warrant that: (a) you meet these eligibility requirements; (b) you are not located in a country subject to a U.S. Government embargo; and (c) you are not listed on any U.S. Government list of prohibited or restricted parties.

Furthermore, you are strictly prohibited from using the Service in violation of any applicable sanctions, export-control, or anti-money laundering (AML) laws. You may not input or connect account data involving sanctioned persons, jurisdictions, blocked property, or prohibited activities. We reserve the right to restrict, suspend, terminate, block account connections, or decline processing for any account that violates these restrictions.

By creating an account, you affirmatively consent under the federal E-SIGN Act to receive all communications, agreements, and required disclosures electronically.

• Hardware/Software Requirements: You need a continuously updated web browser, an active email address, internet access, and the ability to download, save, and print or otherwise retain PDF, HTML, or email records. We will notify you if these requirements materially change.
• Paper Copies: You have the right to receive paper copies of electronic records upon request at no fee by contacting us.
• Withdrawal: You may withdraw consent by contacting legal@thearthiqdaily.com; however, because the Service is natively digital, withdrawing consent requires immediate account termination. Withdrawal of consent does not affect the legal validity or enforceability of prior electronic records.

The ArthIQ Daily is an educational and organizational tool. We do not provide financial, investment, legal, tax, or estate planning advice. Your use of the Service is subject to our Important Disclosures, which are expressly incorporated herein.

• Processing: Payments are processed via Stripe. Subscriptions auto-renew at the end of your billing cycle.
• Cancellation: Cancellations take effect at the end of the current paid entitlement period. All fees are non-refundable. Initiating a fraudulent chargeback will result in immediate account termination. We commit to providing at least 60 days advance notice and a data-export window in the event of a total service shutdown.

By linking external accounts or importing documents, you grant us permission to securely transmit your data to our integration partners.

• Account-Linking Provider: You explicitly agree to the Plaid End User Privacy Policy. ArthIQ, Inc. is not liable for delayed, incomplete, or inaccurate data feeds, nor are we liable for any disruptions originating from Plaid's infrastructure.
• Anthropic (Claude): AI summaries are subject to logical and categorization errors (hallucinations). You must independently verify all AI outputs.
• Not a Backup Vault: The ArthIQ Daily is a tracking tool, not a document retention service. You are solely responsible for maintaining localized backups of your statements. To the maximum extent permitted by applicable law, we are not liable for the loss or corruption of any imported data.

• Prohibited Conduct: You agree not to reverse engineer the Service, scrape data, or transmit documents containing unredacted Social Security Numbers.
• Intellectual Property & Feedback: ArthIQ, Inc. retains all rights to the Service. If you provide us with any feedback, ideas, or feature requests, you assign all rights to such feedback to ArthIQ, Inc. without compensation.

"Released Parties" means ArthIQ, Inc., its affiliates, and each of their founders, officers, directors, employees, contractors, agents, service providers, licensors, successors, and assigns.

THE SERVICE IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE RELEASED PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, UNINTERRUPTED OPERATION, ERROR-FREE OPERATION, AND FREEDOM FROM DATA LOSS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE RELEASED PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS OR ADVERSE TAX CONSEQUENCES.

THE TOTAL CUMULATIVE LIABILITY OF THE RELEASED PARTIES FOR ANY CLAIMS ARISING OUT OF THESE TERMS SHALL BE STRICTLY LIMITED TO THE GREATER OF: (A) THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) FIVE HUNDRED U.S. DOLLARS ($500.00).

Non-Waivable Rights Carveout: Nothing in these Terms limits liability that cannot legally be limited under applicable law, including liability for fraud, willful misconduct, gross negligence, statutory breach-notification damages, applicable GLBA Safeguards obligations, or applicable biometric/medical privacy obligations.

Indemnification: You agree to indemnify, defend, and hold harmless the Released Parties from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising from your violation of these Terms, misuse of the Service, submission of prohibited data, violation of law, or infringement/misappropriation of third-party rights.

• Governing Law: The laws of the State of Delaware govern these Terms.
• Binding Arbitration: Any dispute shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. ArthIQ will pay AAA filing, administrative, and arbitrator fees beyond the consumer contribution required by the AAA Rules.
• Class Action Waiver: CLAIMS MAY ONLY BE BROUGHT IN AN INDIVIDUAL CAPACITY.
• Public Injunctive Relief (McGill Carve-out): Nothing in this arbitration agreement shall be construed to waive any non-waivable right to seek public injunctive relief in a court of competent jurisdiction.
• Mass Arbitration: If 25 or more similar demands for arbitration are filed by or with the assistance of the same law firm or coordinated group, the AAA's Mass Arbitration Supplementary Rules shall apply, including bellwether proceeding protocols.
• Exceptions & Opt-Out: You may opt out of arbitration by emailing legal@thearthiqdaily.com within 30 days of account creation. Either party may bring qualifying claims in small claims court.
• Time Limitation: Claims must be filed within one (1) year after such claim arose.

• Severability: If any provision is unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in effect.
• Survival: Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, privacy, and any accrued payment obligations survive termination.
• Assignment: You may not assign these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, or by operation of law.
• No Waiver: Our failure to enforce a provision is not a waiver of our right to do so later.
• No Third-Party Beneficiaries: Except for the Released Parties, who are intended beneficiaries of the disclaimers, limitations of liability, and indemnification provisions, these Terms do not create any third-party beneficiary rights.
• Force Majeure: We are not liable for failure due to causes beyond our control, including acts of God or infrastructure outages.
• Entire Agreement: These Terms, the Privacy Policy, and Disclosures constitute the entire agreement.