General Disclosures
‍Updated as of March 7th, 2024

FutureMoney's mission is to democratize the availability of financial tools and services, fostering the acceleration of wealth accumulation for our users. Future Money Inc. (“FutureMoney”) provides offerings, comprising web and mobile-based personal financial management tools and educational resources, are accessible to consumers on both a free and paid subscription basis. Please note, all provided materials should not be interpreted as legal, tax, investment, or other types of professional advice.
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In order to manage and facilitate our investment services, we have entered into a collaboration with Atomic Invest LLC ("Atomic Invest"), an investment advisor registered with the SEC. All investments made through our platform are held in your legal ownership. It's important to note that investment accounts are neither bank guaranteed nor FDIC insured. Accounts are held with BNY Mellon | Pershing, a global industry leader in clearing and custody services, managing $2.5 trillion in assets as of December 31, 2023. Prior to engaging in any investment activities, please take into consideration your personal investment goals and familiarize yourself with the fee structures of both FutureMoney and Atomic Invest.

Performance & Tax-Loss Harvesting Impact Disclosures

Comparisons made to existing ETFs or indices are strictly for purposes of illustration. Performance data is derived from the thorough backtesting of trading algorithms using historical data sourced from third parties, which Atomic Invest deems reliable. However, the accuracy of the information on the Site cannot be guaranteed by FutureMoney or its affiliates, as it may be based on potentially inaccurate data received from third parties. It's important to understand that past performance is neither indicative of nor a guarantee for current or future performance. All materials presented should be viewed as illustrative only and not as specific investment advice.
The information related to portfolio performance is provided after deducting management fees; trading commissions are excluded as they are included in the investment advisory fee. Unless otherwise stated, all performance data includes the reinvestment of dividends and interest for all periods.
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Investing inherently involves risks, and FutureMoney and its affiliates cannot guarantee positive returns. Different assumptions inevitably lead to different outcomes. There's no guarantee that investment objectives will be met or that investors will receive a return on their capital. A potential loss of principal is always a risk. Investment performance can be volatile, and investors are required to read and understand all risks before proceeding with an investment. Investors are encouraged to seek additional legal, accounting, or tax advice concerning the information in this document to independently assess the suitability and potential consequences of a potential investment, including possible tax implications at the US federal, state, local, or non-US levels.
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Please note that Atomic Invest does not provide tax advice or address tax accounting issues with clients. The tax-loss harvesting feature offered by the company should not be interpreted as legal or tax advice. The effectiveness of tax-loss harvesting services relies on income information provided by clients; FutureMoney cannot guarantee the completeness or accuracy of this information.

ETF Disclosures

Our investment recommendations may involve the use of exchange-traded funds (ETFs), which carry inherent market risks, including the potential loss of principal. An ETF typically encompasses embedded costs which can diminish the fund's net asset value, thereby directly impacting the fund's performance and indirectly affecting a client's portfolio performance or comparisons to an index benchmark. The expenses tied to a fund might encompass management fees, custodian fees, brokerage commissions, as well as legal and accounting fees. The cost structure of an ETF is subject to change at the sole discretion of the ETF issuer and may vary over time. In addition, the performance of the ETF may not precisely mimic the performance of the index or market benchmark that it is designed to track due to several factors.

Firstly, the ETF incurs expenses and transaction costs that aren't applicable to its corresponding index or market benchmark. Secondly, certain securities that constitute the index or market benchmark tracked by the ETF may be temporarily unavailable from time to time. Lastly, market supply and demand dynamics for the ETF itself and/or for the securities it holds can cause the ETF shares to trade at a premium or discount to the actual net asset value of the securities held by the ETF.
The ETFs used in our portfolio recommendations are selected based on their high liquidity, lower expenses, and low tracking error, but their performance cannot be guaranteed.

Non-Deposit Products

The investments featured on our website are NOT FDIC INSURED nor are they insured by any other governmental agency or instrumentality. These investments are subject to fluctuations and MAY LOSE VALUE. Furthermore, they are not obligations or guarantees, and are NOT BANK GUARANTEED.

Fee and Account Disclosure

The fee structure for our clients consists of two elements: 1) A recurring subscription fee for customer support, and 2) A fluctuating advisory fee based on the total assets under management. Atomic Invest provides remuneration to sub-advisors for their role in managing investments and facilitating transactions. Please note that there is a possibility that the fees charged by Atomic Invest may impact overall returns.

Advisory Services

FutureMoney collaborates with a sub-advisor to supply investment offerings. The custody of all investment accounts is maintained by BNY Mellon. We harness the power of proprietary, algorithm-driven technology to deliver discretionary asset management services.

Interactive Educational Analysis Tools using Hypothetical Performance

FutureMoney aims to accelerate clients' progress towards specific financial goals. Our platform is not designed to provide exhaustive investment advice for every facet of a client's financial landscape and does not account for investments clients hold elsewhere. Moreover, our platform does not actively evaluate and understand information that a client may have failed to disclose. As such, the completeness of information used for suggested tips or educational tools cannot be guaranteed.
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FutureMoney offers financial education tools, which are intended for illustrative purposes. The information provided represents "forward-looking" details, which are inherently uncertain and the actual events or results may deviate substantially from those illustrated. FutureMoney cannot provide assurances or guarantees about the accuracy of any estimates or calculations supplied by the educational tools. Client or third-party information is used for forward-looking calculations, but we cannot guarantee the accuracy and completeness of this data. FutureMoney does not offer tax advice and we recommend that individuals consult additional tax advisors.
Our interactive educational analysis tools have inherent limitations and cannot replace actual investment returns derived from a live portfolio. Numerous risk factors related to trading and markets cannot be fully factored into hypothetical future performance modeling. As a result, future returns are not guaranteed and a loss of the principal may occur. Additionally, results may vary with each use and over time.
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Our interactive tools do not recommend any security or investment. References to any investments are intended to illustrate our investment process only and should not be the basis for making decisions about purchasing, holding or selling any securities. A sample portfolio is used in the tool, but actual investment requires a client to select and confirm a model portfolio that may differ from the portfolio shown in the interactive tool. The return data used in the interactive tool is hypothetical performance data, which has inherent limitations and is not a substitute for actual investment returns derived from a live portfolio. Consequently, future returns are not guaranteed, and a loss of principal may occur. Please refer to FutureMoney's general disclosures for the full set of disclosures.

The return data featured in our interactive tool represents hypothetical performance, which comes with its own limitations and is not a stand-in for actual investment returns from a live portfolio. Several risk factors tied to trading and market activities can't be entirely accounted for when illustrating hypothetical performance. As a result, we can't guarantee future returns, and there may be a risk of principal loss.
The interactive tool assumes the following:
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A constant contribution rate, as set by you.
An annual return rate of x% per year, based on a risk level you choose.
The reinvestment of interest and dividends.
Exclusions of taxes, transaction fees, management fees, and other factors that could impact the results.

Furthermore, any investment strategy is exposed to several risks, including legal, regulatory, macroeconomic, and liquidity risks, all of which could negatively influence returns. Operational risk, such as business continuity risk, could also adversely affect investment outcomes. Moreover, there is an opportunity risk in that other investments might offer similar or superior features.
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The annual return rates we use for various portfolio compositions are drawn from a 10-year hypothetical backtest comparison. This analysis is based on historical returns, but past performance does not guarantee future results. The analysis takes into account dividends and interest but excludes taxes, transaction fees, management fees, and other factors that could affect results. The results assume rebalancing on the final trading day of each quarter and the immediate reinvestment of dividends. The policy benchmarks used are the MSCI ACWI for the equity strategy and the Bloomberg Barclays US Aggregate for the fixed income strategy.


Marketing and Social Media

Statements produced through FutureMoney's marketing material or social media channels that refer to or are sponsored/maintained by FutureMoney or its affiliates, do not provide investment, tax, or legal advice. FutureMoney and its affiliates bear no responsibility for, and do not validate, content posted by other users or followers of social media channels sponsored or maintained by FutureMoney or its affiliates. Furthermore, FutureMoney and its affiliates do not assume responsibility for the terms of use or privacy/security policies of any social media sites; your use of such sites is at your own risk. FutureMoney and its affiliates maintain the right to block any user or follower who posts or shares content that is seen as inappropriate, offensive, or constitutes spam, a testimonial, advice, recommendation, or advertisement for securities, products, or services, or is of a promotional nature. Any opinions expressed by our users or followers are those of the individuals commenting and may not reflect the views of FutureMoney or its affiliates. Testimonials do not guarantee future performance or success.

Limitation of Liability

FutureMoney and its affiliates, including their respective employees, officers, directors, partners, agents, representatives, suppliers, and service providers, will not be held liable for any damages arising from or related to the use of the online platform. This includes errors, omissions, interruptions, deletion of files or email, defects, viruses, or delays in operation or transmission, even if explicitly advised of the possibility of such damages. This comprehensive limitation of liability applies to all damages, including compensatory, direct, indirect, punitive, special, incidental, or consequential damages, such as damages for lost profits, loss or inaccuracy of data, or loss of revenue.
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YOU AGREE THAT ALL CAUSES OF ACTION ARISING OUT OF OR CONNECTED WITH THE ONLINE PLATFORM SHALL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION, AND THAT YOUR SOLE REMEDY IS TO CEASE USE OF THE ONLINE PLATFORM.

Certain jurisdictions do not permit the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is confined to the maximum extent permitted by law. While FutureMoney endeavors to ensure the online platform's availability at all times, it will not be held liable if, for any reason, the site is unavailable at any time or for any period.

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By accessing and utilizing the online platform and its Content, you consent to indemnify, defend, and hold FutureMoney harmless, inclusive of its officers, directors, owners, partners, employees, agents, information providers, licensors, and licensees (collectively known as the "Indemnified Parties"). This indemnity covers all claims, losses, expenses, and costs (including attorney's fees) resulting from or related to (a) any breach by you (or claim that, if substantiated, would constitute a breach) of these General Disclaimers, and (b) your engagement with or activities in connection with the online platform. We reserve the right to assume the exclusive defense and management of any matter that would otherwise require indemnification by you. Without our prior written consent, you shall not enter into any settlement agreement affecting the rights of any of the Indemnified Parties or necessitating any action on their part.

Website Subject to Change

FutureMoney holds the right to modify or revise any data or documents presented on this website at any given time without prior notification. The information and documents on this website correspond solely to the dates indicated therein and may not be accurate beyond those dates. FutureMoney does not accept any obligation or responsibility to update any such information.
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Links to Other Sites

The online platform includes links to separate third-party websites, and we incorporate links to third-party websites as part of the Services (collectively referred to as "Linked Sites"). These Linked Sites are included purely for your convenience. Such Linked Sites are not under our control, and we do not endorse or take responsibility for the content of such Linked Sites, including any products, information, or materials featured on such Linked Sites. You must exercise your own independent judgment concerning your interaction with these Linked Sites. We bear no responsibility for reviewing changes or updates to, or the quality, content, policies, nature or reliability of third-party websites or applications. You should assess the terms and policies, including privacy and data collection practices, of third-party websites, which may significantly differ from those of FutureMoney, and conduct any investigation you deem necessary or suitable before engaging in any transaction with any third-party.
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Consent to Electronic Records and Signatures

Documents required are supplied electronically through this application. By accepting the terms within the advisory agreement, you are providing consent and acknowledge the electronic delivery of Atomic Invest's Form CRS, Atomic Invest's ADV Part 2, FutureMoney's privacy policy, Atomic Invest's Investment Advisory Agreement, Atomic Invest's General Disclosures, and Atomic Invest's Privacy notice and providing electronic signatures where necessary. All materials on this site are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions, disclosures, and any copyright or proprietary notices. Any disclaimers, restrictions, disclosures or hedge clauses apply to any partial document or material in the same manner as they do to the whole, and will be considered included in the portion of any material or document that you consult or download.


‍FutureMoney Terms of Use
Effective Date: May 17, 2023


Welcome to FutureMoney. Our mission is to democratize access to financial products and strategies designed to expedite wealth accumulation. Below, you'll find the rules and limitations that regulate your usage of our website(s), products, services, and applications (collectively, the "Services"). If you have any inquiries, comments, or concerns about these terms or the Services, feel free to contact us at:
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Email: support@futuremoney.co
Address: 651 N Broad St, Suite 201, Middletown, DE 19709
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These Terms of Use (the "Terms") are a legally binding contract between you and FUTURE MONEY INC. ("FutureMoney," "we," and "us"). Your use of the Services in any capacity indicates your agreement to all of these Terms, which will remain in force for the duration of your use of the Services. These Terms include the provisions in this document and those within the Privacy Policy. The use of or participation in particular Services may also be subject to additional policies, rules, and/or conditions ("Additional Terms"), which are incorporated herein by this reference. You understand and agree that by using or participating in such Services, you also agree to comply with these Additional Terms.
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We strongly urge you to read these Terms thoroughly. They provide crucial information about the Services offered to you and any charges, taxes, and fees we may bill you. These Terms include information about future changes to these Terms, automatic renewals, limitations of liability, a class action waiver, and resolution of disputes by arbitration instead of in court. PLEASE BE AWARE THAT YOUR USE OF AND ACCESS TO OUR SERVICES ARE SUBJECT TO THE FOLLOWING TERMS; IF YOU DO NOT AGREE TO ALL OF THE FOLLOWING, YOU MAY NOT USE OR ACCESS THE SERVICES IN ANY MANNER.
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ARBITRATION NOTICE AND CLASS ACTION WAIVER: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE ARBITRATION AGREEMENT SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

Agreement to Terms

By using the website www.futuremoney.co or the mobile application and the services provided therein (collectively referred to as "the Services"), you agree to abide by these Terms of Use ("Terms"). These Terms constitute a legally binding agreement between you, the user, and FutureMoney. 
If you find yourself disagreeing with the updated Terms, you are at liberty to reject them; regrettably, this means that you will no longer be able to use the Services. If you continue to use the Services in any manner after the changes to the Terms have come into effect, it signifies that you accept all of the modifications.
Aside from changes initiated by us as detailed here, no other amendment or modification of these Terms will be valid unless it is in writing and signed by both you and us.

Changes to Terms

FutureMoney reserves the right to revise these Terms at any time without notice but if we do so, will will do our best to inform you. This could be through a notice on our website at futuremoney.co, updating the terms on our website, an email, and/or informing you through other appropriate means. By continuing to access or use the Services after revisions become effective, you agree to abide by the revised Terms.
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Privacy Policy

FutureMoney takes the privacy of its users very seriously. Please refer to our Privacy Policy for information about how we collect, use, and disclose your information.

Children’s Online Privacy Protection Act

FutureMoney is committed to complying with the requirements of the Children’s Online Privacy Protection Act (“COPPA”). We do not knowingly collect or solicit personally identifiable information from children under the age of 13. When we collect information about children such as names, dates of birth, or other relevant details required to offer our services, we do so directly from parents or authorized guardians. By providing this information, parents or authorized guardians consent to FutureMoney storing and processing this information in compliance with COPPA. In the event that we discover that personal information has been inadvertently collected from a child under the age of 13 without verifiable parental consent, we will delete that information as quickly as possible. If you believe that a child under 13 years of age may have provided us personal information without parental consent, please contact us at support@futuremoney.co

Using the FutureMoney Service

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Moreover, you may be able to access certain parts or features of the Services using your account credentials from other services (each, a "Third Party Account"), such as Google or Plaid. By accessing our Services through a Third Party Account, you authorize us to access specific information from such account for use by our Services. You have the power to control the extent of information accessible to us and can adjust this by modifying your privacy settings on your Third Party Account.
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When you "link accounts" as part of the Service, FutureMoney will establish a connection to a third-party financial institution that you identify, such as Plaid. You need to authorize and permit FutureMoney's partners to use and store information submitted by you to successfully link and add the account ("Linked Account" or "Funding Account"). By accepting these terms and conditions, you expressly authorize FutureMoney and/or our third-party processor partners to initiate ACH credit and/or debit transactions between your Funding Accounts and your FutureMoney accounts. These transactions will either be manually initiated on the FutureMoney Website by you or through your confirmation of a recurring funding plan. You retain control over the amount and frequency of funding.
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By linking these accounts or authorizing FutureMoney and its partners to access your Third Party Account information, you consent to the processing of your Third Party Account information and any other personal data you provide necessary to retrieve such Third Party Account information, in accordance with our Privacy Policy, as permitted by law and in connection with FutureMoney's use of your Third Party Account information to provide our Services to you. FutureMoney is not responsible for the Third Party Account information or products and services offered by or on third-party sites.
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You affirm and warrant that you are of legal age to enter into a binding contract (or if not, you've received your parent's or guardian's permission to use the Services and have your parent or guardian agree to these Terms on your behalf).
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You may only use the Services for your personal, non-commercial use, in compliance with all applicable laws. You may only use this product if you are a resident of the United States and are legally eligible to use these types of services. If your use of the Services is prohibited by relevant laws, then you are not authorized to use the Services. We cannot and will not be held responsible for your using the Services in a manner that violates the law.

In addition to the aforementioned terms, please note that individuals identified as Politically Exposed Persons (PEPs), family members of a PEP, insiders, those affiliated with the Financial Industry Regulatory Authority (FINRA), individuals affiliated with an exchange, or individuals affiliated with a public company where the user serves as a director, board member, executive, or holds an ownership stake greater than 10% are not eligible to use our services. If such individuals wish to use our product, they are required to obtain prior written consent from FutureMoney. This measure is in place to ensure compliance with regulatory and ethical standards and to maintain the integrity of our platform and services.
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You must not share your FutureMoney login credentials with anyone, and you are responsible for securing your FutureMoney Account and any other access tools or credentials. Any activity associated with your FutureMoney account is your responsibility.

Consent to communication

As part of our Services, you may receive communications through the platform, including messages that FutureMoney sends to you (for example, via email or SMS). Upon signing up for the Services, you will receive a welcome message, which will also contain instructions on how to opt-out of receiving these messages. By signing up for the Services and providing us with your contact number, you confirm that you wish to receive from FutureMoney information about your account or transactions with us, which may involve FutureMoney using automated dialing technology to send texts to the contact number you provided. By agreeing to receive these communications, you represent and warrant that each person you register for the Services or for whom you provide a contact number has consented to receive communications from FutureMoney. You agree to indemnify and hold FutureMoney harmless from and against any and all claims, liabilities, damages (actual and consequential), losses and expenses (including attorneys’ fees) arising from or in any way related to your violation of this provision.

Content

The Services may contain information, text, links, graphics, photos, videos, or other materials (“Content”). FutureMoney does not take responsibility for all Content you may encounter in your use of the Services. We do not endorse, support, represent, or guarantee the completeness, truthfulness, accuracy, or reliability of any Content.
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Prohibited Conduct and Restrictions
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You represent, warrant, and agree that you will not contribute anything, including any Content (as defined below), to the platform, or otherwise use or interact with the platform, in a manner that:
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- infringes or violates the intellectual property rights or any other rights of anyone else (including FutureMoney);
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- violates any law or regulation, including, without limitation, any applicable export control laws, privacy laws or any other purpose not reasonably intended by FutureMoney;
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- jeopardizes the security of your FutureMoney account or anyone else’s (such as allowing someone else to log in to the platform as you);
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- attempts, in any manner, to obtain the account or other security information from any other user;
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- violates the security of any computer network, or cracks any passwords or security encryption codes;
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- runs Maillist, Listserv, any form of auto-responder or "spam" on the platform, or any processes that run or are activated while you are not logged into the platform, or that otherwise interfere with the proper working of the platform (including by placing an unreasonable load on the platform’s infrastructure);
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- "crawls," "scrapes," or "spiders" any page, data, or portion of or relating to the platform or Content (through use of manual or automated means);
- copies or stores any significant portion of the Content; or
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- decompiles, reverse engineers, or otherwise attempts to obtain the source code or underlying ideas or information of or relating to the platform.
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A violation of any of the foregoing is grounds for termination of your right to use or access the Services.
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Intellectual Property and Content Use

The materials displayed or performed or available on or through the Services, including, but not limited to, text, graphics, data, articles, photos, images, illustrations and so forth (all of the foregoing, the “Content”) are protected by copyright and/or other intellectual property laws. You promise to abide by all copyright notices, trademark rules, information, and restrictions contained in any Content you access through the Services, and you won’t use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell, commercialize or otherwise exploit for any purpose any Content not owned by you, (i) without the prior consent of the owner of that Content or (ii) in a way that violates someone else’s (including FutureMoney's) rights.
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Subject to these Terms, we grant each user of the Services a worldwide, non-exclusive, non-sublicensable and non-transferable license to use (i.e., to download and display locally) Content solely for purposes of using the Services. Use, reproduction, modification, distribution or storage of any Content for any purpose other than using the Services is expressly prohibited without prior written permission from us. You understand that FutureMoney owns the Services. You won’t modify, publish, transmit, participate in the transfer or sale of, reproduce (except as expressly provided in this Section), create derivative works based on, or otherwise exploit any of the Services. The Services may allow you to copy or download certain Content, but please remember that even where these functionalities exist, all the restrictions in this section still apply.
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User Responsibilities and Interactions with Third Parties

As a user of our Services, you are solely responsible for any information or Content, whether publicly posted or privately transmitted, that originates from your activity. Accessing this information or Content is done at your own risk, and FutureMoney is not liable for any errors, omissions, or any damages or losses that may occur in connection with such information or Content. We don't have control over how you may interpret, use, or react to the Content. We also can't guarantee the identities of any users you interact with while using our Services and are not responsible for who has access to the Services.
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You ensure that you have all necessary rights to contribute to the Services in the way you choose, and you are responsible for all the Content you contribute.
Our Services may lead you to third-party websites or services outside FutureMoney's control. Please be aware that accessing these third-party websites or using their services carries inherent risks, for which FutureMoney is not responsible. We don't control or assume responsibility for the content, accuracy, privacy policies, practices, or opinions expressed on any third-party websites or by any third party you interact with through our Services. We urge you to read and comprehend the terms, conditions, and privacy policies of each third-party website or service you visit or utilize. By using our Services, you release FutureMoney from any liability resulting from your use of any third-party website or service.
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Any interactions with organizations or individuals found on or through our Services, including payment and delivery of goods or services, are solely between you and the respective parties. Conduct any investigations you deem necessary before proceeding with any online or offline transactions with these third parties. FutureMoney is not responsible or liable for any loss or damage resulting from these dealings.
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In case of any disputes between participants on this site, or between users and any third party, you acknowledge that FutureMoney is not obligated to become involved. If you find yourself in a dispute with one or more other users, you release FutureMoney, its directors, officers, employees, agents, and successors from claims, demands, and damages of any kind, known or unknown, suspected or unsuspected, disclosed or undisclosed, related to such disputes and/or our Services. By agreeing to these terms, you waive any rights under California Civil Code Section 1542 or any similar law of any jurisdiction, which generally states: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.

Changes to Services
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At FutureMoney, our objective is to continuously enhance our Services. Consequently, the nature of our Services may evolve over time. We reserve the right to suspend or discontinue any portion of our Services, introduce new features, or impose limitations on certain features. Additionally, we may restrict access to some or all parts of our Services. While we aim to provide advance notice when changes significantly impact our Services, it isn't always feasible to do so. Moreover, we maintain the authority to eliminate any Content from our Services at any time, for any reason. This includes situations where the Content is alleged to violate these Terms. These actions can be undertaken at our discretion and may occur without prior notice.

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Payment and Subscription Terms
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Our Services may be available at no cost or we may implement a fee for utilizing the Services. If a free service you are currently using becomes a paid service, we will notify you before this change occurs. To continue using these services, you are responsible for paying all relevant fees. Be aware that opting for text message notifications may incur data and messaging charges. You are solely responsible for all such charges, fees, or costs. Check with your wireless carrier for associated costs.
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Paid Services: Some of our Services may be subject to payments now or in the future. These are known as "Paid Services". For a detailed description of these Paid Services, please visit our Pricing page. The payment terms presented to you during the sign-up process for a Paid Service are considered part of these Terms.
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Subscription Billing: To bill you for the use of Paid Services, we use a third-party payment processor ("Payment Processor"). We currently use Stripe, Inc. as our Payment Processor. Their Terms of Service can be found here and their Privacy Policy here. By choosing to use the Paid Services, you agree to pay us, through the
Payment Processor, all charges at the current prices for any use of such Paid Services. This authorizes us, via the Payment Processor, to charge your chosen payment provider ("Payment Method").
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Investment Wrap Fee: Atomic Invest applies a Wrap Fee based on the total value of Assets under Management ("AUM") in your account. This fee is automatically collected by Atomic Invest. Detailed information about our wrap fee can be found in the Investment Advisory Agreement as seen in the mobile application.
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Recurring Billing: Some Paid Services may have an initial period followed by recurring charges. By choosing a recurring payment plan, you accept responsibility for all recurring charges prior to cancellation.
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Current Information Required: You must provide current, complete, and accurate information for your billing account. If your Payment Method is canceled or if you become aware of a potential security breach, such as unauthorized use of your username or password, you must promptly notify us or our Payment Processor.
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Auto-Renewal for Paid Services: Unless you opt out of auto-renewal, any Paid Services you are subscribed to will automatically extend for successive periods of the same duration, at the current non-promotional rate. If you do not want to continue being charged on a recurring basis, you must cancel the applicable Paid Service or terminate your FutureMoney account before the end of the recurring term.
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Free Trials and Other Promotions: Any free trial or other promotion providing access to a Paid Service must be used within the specified trial period. You must stop using a Paid Service before the trial period ends to avoid being charged. If you cancel prior to the end of the trial period and are inadvertently charged for a Paid Service, please contact us at support@futuremoney.co.
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Account Termination
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At FutureMoney, we offer two options regarding your account status: Pausing or Closing your account.
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Pausing Your Account: If there is no qualifying activity in your account during your membership year (qualifying activities include, but are not limited to, making deposits, withdrawals, receiving promotional credits, utilizing personalized support services), your account will be automatically paused. In a paused state, your funds remain invested and your account can be easily reactivated when you're ready.
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Closing Your Account: Should you wish to close your account permanently, you're free to do so at any time. Just contact us at support@futuremoney.co to initiate the process. Please refer to our Privacy Policy and the licenses above to understand how we treat your data after you've stopped using our Services.
Please be aware that closing your account may result in the deletion of any Content associated with your account. We advise you to carefully consider this consequence before proceeding with the account termination.
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In case you've accidentally deleted your account, contact us immediately at support@futuremoney.co – we'll do our best to assist, but please note that we cannot guarantee the recovery or restoration of your data.
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FutureMoney reserves the right to terminate or suspend access to your account and your use of our Services for any reason, at our discretion. This includes violations of these Terms. The decision to deem whether a violation has occurred rests solely with FutureMoney.
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Provisions that inherently extend beyond the termination of these Terms shall survive termination. For instance, any obligation on your part to pay us or indemnify us, any limitations on our liability, any terms regarding ownership or intellectual property rights, and terms regarding disputes between us, including without limitation the arbitration agreement, will all continue to apply after account termination.

Application Availability and Additional Terms
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You understand and agree that the availability of FutureMoney's mobile application depends on the third-party platforms from which you download the application, such as Apple's App Store or Google's Android app market (each referred to as an "App Store"). Each App Store may have its own terms and conditions that you must agree to prior to downloading mobile applications from their platform. You commit to comply with such App Store terms and conditions. Your license to use our application is contingent upon this compliance. If there are conflicting or more restrictive terms in these Terms of Use compared to the App Store's terms, the terms in these Terms of Use will prevail.
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While these Terms are applicable to your usage of all our Services, including our iOS applications (the "Application") available via the Apple, Inc. ("Apple") App Store, the following additional terms also apply to the Application:
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Both you and FutureMoney acknowledge that these Terms are an agreement between you and FutureMoney, and not with Apple. Apple holds no responsibility for the Application or the Content.
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The Application is licensed to you on a limited, non-exclusive, non-transferable, non-sublicensable basis, primarily for personal, non-commercial use, subject to these Terms as they apply to the Services.
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You will use the Application solely in connection with an Apple device that you own or control.
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You understand and agree that Apple has no obligation whatsoever to furnish any maintenance and support services concerning the Application.
If the Application fails to conform to any applicable warranty, you may notify Apple. Upon notification, Apple's sole warranty obligation will be to refund the purchase price of the Application, if any.
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You acknowledge and agree that FutureMoney, not Apple, is responsible for addressing any claims you or any third party may have concerning the Application.
In the case of a third-party claim that the Application or your use of the Application infringes upon intellectual property rights, FutureMoney, not Apple, will manage any investigation, defense, settlement, and discharge of such an infringement claim.
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You represent and warrant that you are not located in a country under a U.S. Government embargo or one designated by the U.S. Government as a "terrorist supporting" country. You also affirm that you are not listed on any U.S. Government list of prohibited or restricted parties.
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You and FutureMoney both agree to comply with any applicable third-party terms of agreement that might be affected by the use of the Application.
Both you and FutureMoney acknowledge and agree that Apple and its subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
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Warranty Disclaimer. FutureMoney and its licensors, suppliers, partners, parent, subsidiaries or affiliated entities, and each of their respective officers, directors, members, employees, consultants, contract employees, representatives and agents, and each of their respective successors and assigns (FutureMoney and all such parties together, the “FutureMoney Parties”) provide no guarantees or warranties concerning the Services, including without limitation regarding any Content accessed through the Services. The FutureMoney Parties will not be held responsible or liable for the accuracy, copyright compliance, legality, or decency of material accessed through the Services or for any claims, actions, suits, costs, expenses, damages or liabilities arising out of your use of or involvement in the Services. The FutureMoney Parties offer no guarantees or warranties regarding suggestions or recommendations of services or products acquired through or in connection with the Services. THE SERVICES AND CONTENT ARE PROVIDED BY FUTUREMONEY (AND ITS LICENSORS AND SUPPLIERS) ON AN “AS-IS” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT USE OF THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON THE DURATION OF IMPLIED WARRANTIES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
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Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE) SHALL ANY OF THE FUTUREMONEY PARTIES BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING DAMAGES FOR LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF DATA, LOSS OF GOODWILL, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, (B) ANY SUBSTITUTE GOODS, SERVICES OR TECHNOLOGY, (C) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE GREATER OF (I) FIFTY ($50) DOLLARS OR (II) THE AMOUNTS PAID AND/OR PAYABLE BY YOU TO FUTUREMONEY IN CONNECTION WITH THE SERVICES IN THE TWELVE (12) MONTH PERIOD PRECEDING THIS APPLICABLE CLAIM OR (D) ANY MATTER BEYOND OUR REASONABLE CONTROL. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL OR CERTAIN OTHER DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU.
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Indemnity. You agree to indemnify and hold the FutureMoney Parties harmless from and against any and all claims, liabilities, damages (actual and consequential), losses and expenses (including attorneys’ fees) arising from or in any way related to any claims relating to (a) your use of the Services (including any actions taken by a third party using your account), and (b) your violation of these Terms. In the event of such a claim, suit, or action (“Claim”), we will attempt to provide notice of the Claim to the contact information we have for your account i.e. your email address (provided that failure to deliver such notice shall not eliminate or reduce your indemnification obligations hereunder).
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Assignment. You may not assign, delegate or transfer these Terms or your rights or obligations hereunder, or your Services account, in any way (by operation of law or otherwise) without FutureMoney's prior written consent. We may transfer, assign, or delegate these Terms and our rights and obligations without consent.
Choice of Law. These Terms are governed by and will be construed under the Federal Arbitration Act, applicable federal law, and the laws of the State of Delaware, without regard to the conflicts of laws provisions thereof.
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Arbitration Agreement.

Please read the following ARBITRATION AGREEMENT carefully because it requires you to arbitrate certain disputes and claims with FutureMoney and limits the manner in which you can seek relief from FutureMoney. Both you and FutureMoney acknowledge and agree that for the purposes of any dispute arising out of or relating to the subject matter of these Terms, FutureMoney's officers, directors, employees, and independent contractors (“Personnel”) are third-party beneficiaries of these Terms, and that upon your acceptance of these Terms, Personnel will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as the third-party beneficiary hereof.
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(a) Arbitration Rules; Applicability of Arbitration Agreement. The parties shall use their best efforts to settle any dispute, claim, question, or disagreement arising out of or relating to the subject matter of these Terms directly through good-faith negotiations, which shall be a precondition to either party initiating arbitration. If such negotiations do not resolve the dispute, it shall be finally settled by binding arbitration in Wilmington, Delaware. The arbitration will proceed in the English language, in accordance with the JAMS Streamlined Arbitration Rules and Procedures (the “Rules”) then in effect, by one commercial arbitrator with substantial experience in resolving intellectual property and commercial contract disputes. The arbitrator shall be selected from the appropriate list of JAMS arbitrators in accordance with such Rules. Judgment upon the award rendered by such arbitrator may be entered in any court of competent jurisdiction.
(b) Costs of Arbitration. The Rules will govern payment of all arbitration fees. FutureMoney will pay all arbitration fees for claims less than seventy-five thousand ($75,000) dollars. FutureMoney will not seek its attorneys’ fees and costs in arbitration unless the arbitrator determines that your claim is frivolous.
(c) Small Claims Court; Infringement. Either you or FutureMoney may assert claims, if they qualify, in small claims court in Wilmington, Delaware or any United States county where you live or work. Furthermore, notwithstanding the foregoing obligation to arbitrate disputes, each party shall have the right to pursue injunctive or other equitable relief at any time, from any court of competent jurisdiction, to prevent the actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights.
(d) Waiver of Jury Trial. YOU AND FUTUREMONEY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. You and FutureMoney are instead choosing to have claims and disputes resolved by arbitration. Arbitration procedures are typically more limited, more efficient, and less costly than rules applicable in court and are subject to very limited review by a court. In any litigation between you and FutureMoney over whether to vacate or enforce an arbitration award, YOU AND FUTUREMONEY WAIVE ALL RIGHTS TO A JURY TRIAL, and elect instead to have the dispute be resolved by a judge.
(e) Waiver of Class or Consolidated Actions. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS. CLAIMS OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. If however, this waiver of class or consolidated actions is deemed invalid or unenforceable, neither you nor FutureMoney is entitled to arbitration; instead all claims and disputes will be resolved in a court as set forth in (g) below.
(f) Opt-out. You have the right to opt out of the provisions of this Section by sending written notice of your decision to opt out to the following address: [FutureMoney's physical address], postmarked within thirty (30) days of first accepting these Terms. You must include (i) your name and residence address, (ii) the email address and/or telephone number associated with your account, and (iii) a clear statement that you want to opt out of these Terms’ arbitration agreement.
(g) Exclusive Venue. If you send the opt-out notice in (f), and/or in any circumstances where the foregoing arbitration agreement permits either you or FutureMoney to litigate any dispute arising out of or relating to the subject matter of these Terms in court, then the foregoing arbitration agreement will not apply to either party, and both you and FutureMoney agree that any judicial proceeding (other than small claims actions) will be brought in the state or federal courts located in, respectively, Wilmington, Delaware.
(h) Severability. If the prohibition against class actions and other claims brought on behalf of third parties contained above is found to be unenforceable, then all of the preceding language in this Arbitration Agreement section will be null and void. This arbitration agreement will survive the termination of your relationship with FutureMoney.
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Miscellaneous. You will be responsible for paying, withholding, filing, and reporting all taxes, duties, and other governmental assessments associated with your activity in connection with the Services, provided that FutureMoney may, in its sole discretion, do any of the foregoing on your behalf or for itself as it sees fit. The failure of either you or us to exercise, in any way, any right herein shall not be deemed a waiver of any further rights hereunder. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated, to the minimum extent necessary, so that these Terms shall otherwise remain in full force and effect and enforceable. You and FutureMoney agree that these Terms are the complete and exclusive statement of the mutual understanding between you and FutureMoney, and that these Terms supersede and cancel all previous written and oral agreements, communications, and other understandings relating to the subject matter of these Terms. You hereby acknowledge and agree that you are not an employee, agent, partner, or joint venture of FutureMoney, and you do not have any authority of any kind to bind FutureMoney in any respect whatsoever.
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Except as expressly set forth in the sections above regarding the Apple Application and the arbitration agreement, you and FutureMoney agree there are no third-party beneficiaries intended under these Terms.

Contact Information

If you have any questions about these Terms, please contact us at support@futuremoney.co

‍Privacy Policy

‍Your privacy is crucial to us. At FutureMoney, we seek to protect the privacy of individuals who use our products. This privacy notice is intended to help you understand how Future Money Inc. and its affiliates (“FutureMoney”) collects, uses, and shares your personal information and to help you understand and exercise your rights. To make this Privacy Notice easier to read, our websites, applications, and other offerings are collectively referred to as “Services.”

Please read this “Privacy Policy Notice” thoroughly to comprehend our practices.

FutureMoney does not disclose nonpublic personal information about its prospective, existing or former customers to third parties other than as described below.

Personal information we collect: FutureMoney collects information about you purely to enhance the quality of products and services that we provide. We will never sell your data and we rigorously protect any data you offer.

FutureMoney collects personal information to facilitate affordable access to financial tools and investment management services. We gather personal profile data including your name, contact information, date of birth, and SSN to comply with legal requirements to provide investment offerings to you. We collect information about your goals and aspirations to help create a plan tailored to your needs. We collect information about your risk tolerance to provide a suitable investment portfolio. Payment information we collect enables us to receive payment for our services and offerings. Your account balance and transaction data are collected to improve our services, facilitate tracking, and forecasting.

We partner with a series of service providers to deliver our offerings. Our service provider for account linking is Plaid (privacy policy here). Our service provider for investment management is Atomic Invest LLC (privacy policy here). Our service provider for billing services is Stripe (privacy policy here).

How FutureMoney collects this information: FutureMoney gathers this information from you through various digital means. Information is collected when users manually input personal information through our web app. Information may be automatically collected through cookies (users may opt out) or the use of our Site and Services (e.g., pages visited, mouse movements, internet protocol (IP) addresses, etc.). FutureMoney maintains physical, electronic, and procedural safeguards that comply with federal standards to safeguard your nonpublic personal information, which FutureMoney believes are adequate to prevent unauthorized disclosure of such information.

How FutureMoney uses this information: All financial companies need to share customers’ personal information to conduct their everyday business, and FutureMoney uses the personal information collected from you for everyday business purposes. These purposes may include, for example:
To provide advisory services to you.
To use as inputs in FutureMoney's financial education tools.
To improve FutureMoney's product offerings for you.To open an account for you.
To process a transaction for your account.
To market products and services to you.
To respond to court orders and legal investigations.

Partnered with an SEC Registered Investment Adviser (RIA), we must ensure that individuals that receive investment services meet government regulations around Know Your Customer (KYC), Customer Identification Program (CIP), and Anti-Money Laundering (AML).

Sharing data with others: Data may be shared with service providers that FutureMoney has selected; each service provider has an established and reviewed privacy policy. With explicit request and acknowledgment, individuals may share some or all of your account information with another individual. We enable this through a multi-user experience where you may invite another individual to your household, such as your partner.

Disclosure to others: FutureMoney may provide your personal information to firms that assist FutureMoney in servicing your account and have a need for such information, such as a broker or administrator. FutureMoney may also disclose such information to service providers and financial institutions with whom FutureMoney has joint marketing arrangements (i.e., a formal agreement between financial companies that together market financial products or services to you). FutureMoney requires third-party service providers and financial institutions with whom FutureMoney has joint marketing arrangements to protect the confidentiality of your information and to use the information only for the purposes for which FutureMoney discloses the information to them. These sharing practices are consistent with Federal privacy and related laws, and in general, you may not limit our use of your personal information for these purposes under such laws. FutureMoney notes that the Federal privacy laws only give you the right to limit certain types of information sharing that FutureMoney does not engage in (e.g., sharing any personal information with others in order for them to market to you).

Disclosure in the Event of Merger, Sale, or Other Asset Transfers: If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction, as permitted by law and/or contract.

How FutureMoney protects your personal information: To protect your personal information from unauthorized access and use, FutureMoney maintains rigorous physical, electronic, and procedural safeguards that comply with Federal law to safeguard nonpublic personal information which FutureMoney believes are adequate to prevent unauthorized disclosure of such information. These measures include computer safeguards and secured files and buildings.Your Privacy Choices and Right: At all times, we preserve privacy choices that you control:

Email Communications: You may opt out of future promotional email notifications at the bottom of each email. You will continue to receive transaction-related emails regarding products you use. You will also continue to receive non-promotional communications about us and our services i.e. updates to our Terms of Service or our Privacy Policy.
Text Message: You may opt out of receiving text messages by responding ‘STOP’ or by contacting us.
Device Notifications: You may opt out of receiving push notifications by changing the setting on your device. With your consent, we may collect location-based information. You may opt out by changing your device settings.
Cookies and Internet-Based Advertising: You may decline the usage of cookies by adjusting your preferences within the device.
Data Retention: FutureMoney stores collected information for as long as you use our Services or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable law.

California Resident Rights: If you are a California resident, you have the privacy rights. Please note that we may process Personal Data of our customers' end users or employees in connection with our provision of certain services to our customers. If we are processing your Personal Data as a service provider, you should contact the entity that collected your Personal Data in the first instance to address your rights with respect to such data. If there are any conflicts between this section and any other provision of this Privacy Policy and you are a California resident, the portion that is more protective of Personal Data shall control to the extent of such conflict. If you have any questions about this section or whether any of the following rights apply to you, please contact us.

California Resident Rights: Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties' direct marketing purposes.

This Privacy Policy Notice pertains to the following entities: Future Money Inc.

If you have any questions about this Privacy Notice, please contact our compliance team by email at support@futuremoney.co


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