These Terms of Service govern your use of anserva.com and the Anserva planning software, and form an agreement between you and Anserva Financial Planning Inc., the corporation that operates them. Please read them before you subscribe. By creating an account, starting the interview, or purchasing a plan, you accept them. If you do not accept them, do not use the service.

1. Company Information

Company: Anserva Financial Planning Inc.

Address: [PHYSICAL ADDRESS]

Phone: (888) 791-7004

Email: support@anserva.com

2. Nature of Services

Anserva is subscription software. It conducts a structured, adaptive interview, by voice or by text, that asks you about your goals, your timelines, your constraints and the circumstances a bank feed cannot see. It then writes a plan document: where you stand today, your goals ranked with dates, the actions in order, and the assumptions used to produce them.

With your authorization, Anserva connects to your bank, card, loan and investment accounts on a read only basis through third party aggregation providers, so that estimates in your plan are replaced by your real numbers. Read only means exactly that. Anserva cannot move, transfer, withdraw or invest money, cannot take custody of any asset, and cannot execute a transaction of any kind on any account.

Each goal you set becomes a tracked object with a target, a date, a required monthly contribution and a live status. Where your plan and your accounts diverge, the software sends you an account notification naming the goal affected. When your circumstances change, the plan re-runs and shows you a difference against the previous version. The Premium subscription additionally includes scheduled live sessions with a CFP professional; those sessions are delivered by the professional conducting them, not by the software.

3. Accounts and Eligibility

You must be at least 18 years of age and a resident of the United States to hold an account. You agree that the information you give the interview, and the credentials you use to authorize a connection, are your own and are accurate to the best of your knowledge. You are responsible for keeping your login details confidential and for all activity under your account. Tell us promptly at the contact details above if you believe your account has been used without your permission.

4. Subscriptions, Billing, Renewal and Cancellation

Anserva is offered on the following subscriptions, billed in advance through our payment processor:

• Free: $0. The full interview, one written plan, read only linking and two tracked goals.
• Core: $99 a year, or $12.99 a month. Ongoing monitoring, unlimited goals, notifications, plan re-runs and partner sharing.
• Plus: $228 a year, or $29 a month. Scenario modelling, retirement and tax projections, variable income and a quarterly re-interview.
• Premium: $468 a year, or $59 a month. Two live CFP sessions a year, with a planner who reads your interview first, plus an insurance and estate review.

Paid subscriptions renew automatically at the end of each billing period, annual or monthly as selected, at the rate then in effect, until you cancel. You may cancel at any time from your account settings or by contacting us at the details above. Cancellation stops the next renewal and takes effect at the end of the period you have already paid for. Except where a refund is required by law, paid periods are non refundable once the period has begun. If you believe you have been charged in error, contact us and we will review it.

5. Acceptable Use

You agree to use the service for your own personal financial planning. You agree not to resell, sublicense or redistribute the software or its output as a service of your own, not to hold yourself out as an adviser on the basis of it, not to reverse engineer or scrape the service, not to attempt unauthorized access to any part of it or to another member's data, not to interfere with its operation, and not to submit another person's financial credentials without their authority.

6. Intellectual Property and License to Use the Software

The software, the interview, the plan formats, the site and all content on it belong to Anserva Financial Planning Inc. or its licensors. Your subscription grants you a personal, limited, non exclusive, non transferable license to use the software for your own planning while your account is in good standing. The plan documents produced for you are yours to keep, export and share personally. No other rights are granted.

7. Financial Disclaimer

Anserva is software, not an investment adviser, broker, tax professional or law firm. Your plan is produced by software from what you tell it and what your linked accounts show. It is educational and organisational, and it is not individualized investment, tax, insurance or legal advice. Decisions you take from it are yours. Where a CFP professional delivers a session under the Premium subscription, that professional is responsible for the advice given in that session.

8. SMS Messaging – Account Notifications

Anserva offers an SMS program that sends recurring automated account notification text messages about the subscriber's account and service to the mobile number provided at opt-in. Consent to receive these messages is not a condition of any purchase. Message frequency varies. Message and data rates may apply.

• You can cancel the SMS service at any time by texting STOP to [INSERT SHORT CODE]. After you send STOP, we will confirm your unsubscribe status by SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did the first time. If you are experiencing issues, reply HELP for assistance, or text HELP to [INSERT SHORT CODE], or contact us directly at the phone number or email in this document.
• Carriers supported include AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, Clearsky. Carriers are not liable for delayed or undelivered messages.
• No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
• Read our Privacy Policy.

9. Third-Party Services and Data Sources

Account connections are provided through third party aggregation providers under their own terms, which are presented at the point you connect. Payment processing is handled by our payment processor. We are not responsible for outages or errors in third party services, though we will work to route around them where we can.

10. Disclaimer of Warranties

The service is provided as is and as available. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non infringement. We do not warrant that plans, projections or notifications are error free, complete or timely.

11. Limitation of Liability

To the fullest extent permitted by law, Anserva Financial Planning Inc. will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost savings or investment losses, arising from your use of the service. Our total liability for any claim is limited to the amount you paid us in the twelve months before the event giving rise to the claim.

12. Governing Law

These Terms are governed by the laws of the United States and the state in which the company is organized, without regard to conflict of law rules. Disputes will be brought in the courts of that state.

13. Changes to Terms

We may update these Terms as the service evolves. When we make a material change, we will post the updated Terms on the site and note the change in the service. Continued use after a change takes effect is acceptance of the updated Terms.

14. Contact Information

Questions about these Terms: (888) 791-7004, or support@anserva.com.