Legal
Important Disclosures
Document Details
- Version
- 1.0
- Updated
- June 3, 2026
- Effective
- June 3, 2026
- Sections
- 8
Effective Date: June 3, 2026
Version: 1.0
Company: ArthIQ, Inc. ("The ArthIQ Daily", "we", "us", or "our")
This document is expressly incorporated into The ArthIQ Daily Terms of Service. All Disclaimers of Warranties, Limitations of Liability, Indemnification requirements, and Arbitration agreements apply.
1. Educational Scope & Securities Non-Recommendation
ArthIQ, Inc. is not a financial advisor, investment adviser, broker-dealer, tax advisor, legal advisor, estate planner, insurance producer, credit counselor, consumer reporting agency, fiduciary, accountant, or benefits advisor. Nothing in the Service is financial, investment, tax, insurance, legal, estate-planning, accounting, employment-benefits, credit, or eligibility advice.
| Scope Category | The ArthIQ Daily Does | The ArthIQ Daily Does NOT |
|---|---|---|
| Investment Context | Display user-connected portfolio data, balances, and historical context. | Recommend buying, selling, holding, or rebalancing any specific security or asset class. |
| Tax & Estate | Organize facts, dates, documents, and general educational context. | Provide tax filing positions, tax elections, or estate-planning advice. |
| Professional Boundary | Identify topics people commonly discuss with licensed professionals. | Act as a substitute for a licensed CPA, attorney, or fiduciary financial advisor. |
Securities Displays: Any presentation of specific tickers, benchmarks, or portfolio holdings within the application is entirely driven by user-imported data or objective market indices. It does not constitute a recommendation to buy, sell, hold, or rebalance any specific security or asset class. Past performance is not indicative of future results.
1.1 Adviser Status Is Determined by Behavior, Not Labels
The Service's status as educational software is determined by what the Service actually does, not by feature names or marketing copy. A feature labeled "simulator," "scenario," "observation," or any similar name does not, by virtue of its label, qualify as educational. Conversely, a feature with a name suggesting active management is not necessarily an advisory product if its actual behavior remains observational and scenario-based.
ArthIQ undertakes fresh securities-counsel review before launching any feature that crosses into personalized buy/sell/hold recommendations, individualized tax positions, or other personalized licensed-professional advice. ArthIQ reserves the right to rename, modify, or remove any feature based on such review.
1.2 Affiliate Disclosure Responsibility
Affiliates enrolled in The ArthIQ Daily Affiliate Program are independently responsible for complying with applicable laws governing endorsements and testimonials, including the Federal Trade Commission's Endorsement Guides. ArthIQ provides disclosure templates and channel-specific guidance to enrolled Affiliates, but each Affiliate is ultimately responsible for the form, conspicuousness, and substance of their own disclosures in any promotional content they create.
2. Fair Credit Reporting Act (FCRA) Notice
ArthIQ, Inc. is not a consumer reporting agency as defined by the Fair Credit Reporting Act (FCRA). The outputs, insights, and net-worth calculations generated by the Service may not be used, in whole or in part, as a factor in establishing a consumer's eligibility for credit, insurance, employment, tenant screening, or any other eligibility purpose outlined in the FCRA.
3. No Money Movement & MSB Status
The ArthIQ Daily is a read-only tracking platform. We do not initiate or settle funds, place trades, or move money. We are not a Money Services Business (MSB) or a state-licensed money transmitter. We actively reassess this status prior to launching any feature that enables the routing or transmission of user funds.
Electronic fund transfer disputes, unauthorized transfers, card disputes, brokerage trade disputes, bank-account servicing issues, and payment-account questions must be raised directly with your financial institution, brokerage, card issuer, or payment provider.
3.1 Affiliate Payments Are Not Money Movement of User Funds
Cash payments to enrolled Affiliates under the Affiliate Program are outbound contractor payments by ArthIQ, Inc. The Service does not accept user funds, settle user-to-user or user-to-merchant transfers, hold customer funds, or perform foreign-exchange or remittance functions. Affiliate payouts are processed through a payments-platform provider (Stripe Connect) as routine contractor compensation and are categorically distinct from money transmission of user funds. The Affiliate Program does not change The ArthIQ Daily's status as a non-MSB, non-money-transmitter.
4. AI, Aggregation, and Calculation Limitations
- AI Summaries: Output generated by AI can contain logical or categorization errors.
- Data Aggregation: Connected-account data can be delayed, duplicated, or misclassified.
- Property Valuation: Zillow/Zestimate real estate valuations are automated estimates and do not represent a guaranteed market appraisal value. Do not use them to collateralize loans.
You must independently verify all data. Do not rely on The ArthIQ Daily as the sole basis for any financial, investment, tax, insurance, legal, estate, employment-benefits, credit, lending, housing, employment, underwriting, or eligibility decision.
5. Overseas Accounts & FBAR/FATCA
You may connect overseas accounts for visibility only. Our platform does not interpret local laws, tax treaties, or reporting obligations. Displaying a foreign account in ArthIQ does not satisfy or substitute your legal obligation to file FBAR (FinCEN Form 114) or FATCA (Form 8938) disclosures with the U.S. Treasury or IRS.