Terms of Service

Last updated: January 18, 2026

Welcome to PeerWealthy. These Terms of Service ("Terms") govern your use of our website, mobile applications, and services (collectively, the "Service"). By accessing or using PeerWealthy, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account or using PeerWealthy, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use the Service.

2. Eligibility

To use PeerWealthy, you must:

  • Be at least 18 years of age
  • Have the legal capacity to enter into a binding agreement
  • Not be prohibited from using the Service under applicable law
  • Provide accurate and complete registration information

3. Account Registration and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:

  • Create only one account for personal use
  • Provide accurate, current, and complete information
  • Keep your password secure and confidential
  • Notify us immediately of any unauthorized access
  • Not share your account with others

4. Description of Service

PeerWealthy provides a platform for users to compare their financial situation with anonymized, aggregated data from peers in similar demographics. The Service includes:

  • Financial benchmarking and comparison tools
  • Personalized insights based on peer data
  • Educational content about personal finance
  • Community features and discussions

5. Not Financial Advice

Important: PeerWealthy is an informational platform only. The Service does not provide financial, investment, tax, or legal advice. The comparisons, insights, and information provided are for educational and informational purposes only.

You should consult with qualified professionals before making any financial decisions. We are not responsible for any financial decisions you make based on information from our Service.

6. User Data and Privacy

By using PeerWealthy, you grant us permission to use your data as described in our Privacy Policy. This includes using anonymized and aggregated data to provide peer comparisons and improve our services.

You represent and warrant that:

  • All information you provide is accurate and truthful
  • You have the right to share any information you provide
  • Your use of the Service complies with all applicable laws

7. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of these Terms
  • Provide false, misleading, or fraudulent information
  • Attempt to gain unauthorized access to the Service or other accounts
  • Interfere with or disrupt the Service or servers
  • Use automated systems or software to extract data from the Service
  • Reverse engineer, decompile, or disassemble any aspect of the Service
  • Use the Service to harass, abuse, or harm others
  • Impersonate any person or entity
  • Violate any applicable laws or regulations

8. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, images, and software, are owned by PeerWealthy or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service without our prior written consent.

9. User Content

You retain ownership of any content you submit to the Service. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content in connection with operating and improving the Service.

10. Third-Party Links and Services

The Service may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of third parties. Your interactions with third parties are solely between you and the third party.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

  • The Service will be uninterrupted or error-free
  • Defects will be corrected
  • The Service is free of viruses or harmful components
  • The results from using the Service will be accurate or reliable

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PEERWEALTHY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE.

Our total liability for any claims arising from the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

13. Indemnification

You agree to indemnify, defend, and hold harmless PeerWealthy and its affiliates from any claims, liabilities, damages, losses, or expenses arising from your use of the Service, violation of these Terms, or infringement of any rights of another party.

14. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. You may terminate your account at any time by contacting us or using the account deletion feature.

Upon termination, your right to use the Service will immediately cease. Provisions that by their nature should survive termination will survive.

15. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Service and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the courts located in Delaware.

17. Dispute Resolution

Any disputes relating to these Terms or the Service shall first be attempted to be resolved through informal negotiation. If negotiations fail, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

18. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and PeerWealthy regarding the Service.

20. Contact Us

If you have questions about these Terms, please contact us at:

PeerWealthy
Email: legal@peerwealthy.com