Terms of Service

Overview

These Terms of Service (“Terms”) govern your use of handledfinance.app and all services offered by Handled Finance, Inc. (“Handled,” “we,” “our,” or “us”). By creating an account or using our service, you agree to these Terms. If you do not agree, do not use our service.

Not financial advice

Eligibility

To use Handled, you must be at least 18 years old, a U.S. resident, and legally permitted to open a brokerage account under applicable law. By using the service, you represent that you meet these requirements.

Bank connection (Plaid)

Handled uses Plaid Technologies, Inc. to connect your bank account. By connecting your bank, you authorize Handled and Plaid to access your account information and transaction history as described in our Privacy Policyand Plaid's End User Privacy Policy.

You authorize Handled to initiate electronic fund transfers from your connected bank account on the schedule you select. You are responsible for ensuring your bank account has sufficient funds to cover scheduled transfers. Handled is not liable for overdraft fees or failed transfers resulting from insufficient funds.

You may disconnect your bank account at any time from your account settings. Disconnecting your bank will stop future transfers but will not reverse transfers already completed.

Brokerage account (Alpaca)

Investment accounts opened through Handled are opened with Alpaca Securities LLC, a registered broker-dealer and member of FINRA and SIPC. By opening an investment account, you agree to Alpaca's customer agreement and disclosures.

Handled acts as a technology platform and does not hold your funds or securities. Your investments are held in your Alpaca brokerage account in your name. SIPC protection applies to your Alpaca account up to applicable limits.

Handled places investment orders on your behalf according to your selected fund and contribution amount. Handled does not provide discretionary investment management or registered investment advisory services.

Recurring investments

When you set a recurring investment schedule, you authorize Handled to:

• Initiate ACH transfers from your connected bank account on your selected schedule.
• Place buy orders for your selected target date fund in your Alpaca account.

You may pause or cancel your recurring investment at any time from your account settings. Changes take effect before the next scheduled transfer. Transfers already initiated cannot be reversed.

Account security

You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account. Notify us immediately at security@handledfinance.app if you suspect unauthorized access to your account. We are not liable for losses resulting from unauthorized account access where you have not promptly notified us.

Acceptable use

When using Handled, you agree not to:

• Provide false, misleading, or fraudulent information during account opening or verification.
• Use the service for money laundering, fraud, or any unlawful purpose.
• Attempt to gain unauthorized access to any part of our systems.
• Use automated tools to scrape or extract data from our service without permission.
• Interfere with the security, integrity, or availability of our service.

Fees

Handled charges no platform fees during the beta period. The target date funds available through Handled carry their own expense ratios (typically 0.08–0.15% annually), which are charged by the fund provider, not by Handled. We will provide clear notice before introducing any platform fees.

Intellectual property

All content on this site — including text, design, code, logos, and the Handled name — is owned by Handled Finance, Inc. You may not reproduce, distribute, or create derivative works without our written permission.

Limitation of liability

To the maximum extent permitted by law, Handled Finance, Inc. and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including investment losses, lost profits, or loss of data — arising from your use of our service.

Our total liability for any claim shall not exceed the greater of $100 or the fees you paid us in the 12 months preceding the claim. We are not liable for losses caused by market fluctuations, third-party service failures (including Plaid or Alpaca), or events outside our reasonable control.

Disclaimer of warranties

Our service is provided “as is” and “as available” without any warranty of any kind, express or implied. We do not warrant that our service will be uninterrupted, error-free, or that investment results will meet your expectations.

Indemnification

You agree to indemnify and hold harmless Handled Finance, Inc. and its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our service, your violation of these Terms, or your violation of any applicable law or third-party rights.

Termination

You may close your account at any time by contacting us at support@handledfinance.app. We may suspend or terminate your account if you violate these Terms or if required by law. Upon termination, recurring investments will be cancelled and your Plaid connection revoked. Your Alpaca brokerage account and its assets remain yours and are governed by Alpaca's terms.

Governing law

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in New York County, New York.

Changes to these Terms

We may update these Terms at any time. We will post the updated version here with a new “Last updated” date. For material changes, we will notify you by email at least 14 days before the changes take effect. Continued use of the service after that date constitutes acceptance.

Contact

Questions about these Terms? Email legal@handledfinance.app.