Terms of Service

These Terms of Service (these "Terms") are a binding agreement between you and Astra Financial, Inc. ("Astra," "we," "us") governing your access to and use of the Astra Financial websites, applications, advisory platform, and related services (collectively, the "Platform").

You accept these Terms by checking the acceptance box when you create an account, by clicking "continue" with a third-party sign-in, or by otherwise accessing or using the Platform. We record the date, time, and version of the Terms you accept. If you do not agree to these Terms, do not use the Platform.

You must be at least 18 years of age, reside in the United States, and have the legal capacity to enter a binding contract to use the Platform. If you use the Platform on behalf of a business, you represent that you are authorized to bind that business, and "you" includes that business. You represent that all information you provide is accurate and complete and that you will keep it current.

Astra provides a personal financial guidance platform. Depending on your plan, the Platform can help you organize your complete financial picture; analyze spending, budgets, savings, debt, insurance, and retirement readiness; prepare reports and plans; guide you through financial life events; and — only where you explicitly authorize it — carry out specific tasks on your behalf (see Section 8).

Guidance is generated in substantial part by automated systems and is personalized using the information and account data you provide. The Platform is a tool to inform your decisions; it does not replace your judgment. Features vary by plan and may change as the Platform evolves.

Information and guidance provided through the Platform are for educational and informational purposes only and do not constitute professional financial, investment, legal, tax, accounting, or insurance advice.

Astra Financial, Inc. is not a registered investment adviser, broker-dealer, bank, credit union, law firm, accounting firm, tax preparer, or licensed insurance producer, and no advisory, fiduciary, attorney-client, or similar relationship is created by your use of the Platform, except where required by applicable law. Outputs may contain errors and may not reflect current laws, rates, or product terms. You should independently verify important information and consult qualified, licensed professionals before making significant financial decisions.

Nothing on the Platform is an offer to sell or a solicitation to buy any security or insurance product. Past performance and projections are not guarantees of future results.

To use most features you must create an account with accurate information. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately at [email protected] if you suspect unauthorized use.

We may employ security measures including rate limiting, session expiration, and account suspension to protect the Platform and its users. Access during the early-access period is by invitation and may be modified, limited, or revoked as we scale the service.

The Platform lets you connect external financial accounts (banks, card issuers, brokerages, lenders, and similar institutions) through third-party data aggregators, including Plaid Inc. By linking an account, you expressly authorize Astra and our aggregation providers to access, retrieve, and refresh your account information — such as balances, transactions, holdings, identity details, and liabilities — from the relevant financial institution, and you grant us a limited power to act as your agent solely for retrieving that information. Astra does not receive or store the login credentials you provide to Plaid.

Your use of Plaid is also subject to the Plaid End User Privacy Policy. You can unlink accounts at any time from your account settings, which stops future retrieval. Data already retrieved is handled per our Privacy Policy.

You represent that you own, or have full authority to connect, every account you link.

Certain features require a paid subscription. Prices, included usage, and any usage-based (overage) charges are disclosed at purchase. Payments are processed by third-party processors (including Stripe); we do not store full card numbers.

• Auto-renewal. Subscriptions renew automatically at the end of each billing period until you cancel. You can cancel anytime from your billing settings; cancellation takes effect at the end of the current period.
• Price changes. We will give you advance notice of price changes, which apply from your next renewal.
• Refunds. Except where required by law, fees are non-refundable once a billing period has begun.
• Taxes. Fees are exclusive of taxes, which you are responsible for where applicable.
• Promotions and rebate programs (including any savings-share or rebate offers) are subject to their own disclosed terms and may be modified or withdrawn prospectively.

For individual plans, we stand behind the value of the Platform with a one-time promise: if the Documented Savings we identify during your first 12 consecutive months of a paid subscription total less than the subscription fees you actually paid for those 12 months, we will refund you the difference.

• "Documented Savings" means the dollar-value savings opportunities the Platform identifies and presents to you — in your plans, reports, digests, or advisor conversations — measured as twelve-month values (for example: a lower-priced insurance quote, refinancing savings, subscription or fee reductions, unclaimed employer match or benefits, or yield on repositioned idle cash), whether or not you choose to act on them.
• Eligibility. Applies once per customer, to the first 12 consecutive months of a paid individual subscription (Basic, Pro, or Max). Business and custom plans, add-ons, taxes, and usage-based charges are excluded. Not transferable; void where prohibited.
• How to claim. Email [email protected] within 60 days after the end of your first 12 months. We will review your Documented Savings with you and issue any refund to your original payment method within 30 days.
• Changes. We may modify or withdraw this promise prospectively for new subscribers; the version in effect when you first subscribed governs your first year.

Some Platform capabilities can carry out specific tasks for you — for example preparing documents, submitting forms, requesting quotes, or communicating with third parties. The Platform will only take such actions with your explicit, per-action or per-feature authorization, which you may revoke at any time for future actions.

You remain responsible for reviewing and approving the substance of any action taken on your behalf. Where an action involves a third party (an insurer, lender, government agency, or financial institution), that third party's terms and decisions govern the outcome, and we are not responsible for their acts or omissions.

By creating an account you consent to receive communications from us electronically — including agreements, disclosures, notices, and statements — via the Platform, email, or SMS, and you agree that electronic communications satisfy any legal requirement that a communication be in writing. You may withdraw this consent by contacting us, but doing so may prevent us from providing the service. To receive electronic communications you need a device with internet access and a current browser; keep your email address up to date.

If you opt in to SMS, you agree to receive recurring automated text messages from Astra at the number you provide. Message frequency varies; message and data rates may apply. SMS consent is not a condition of using the Platform.

Opt out anytime by replying STOP or via your SMS preferences page. Reply HELP for help.

You retain ownership of the content you submit (messages, documents, data). You grant Astra a non-exclusive, worldwide, royalty-free license to host, process, analyze, display, and create derivative analyses of your content as necessary to operate, provide, secure, and improve the Platform, consistent with our Privacy Policy.

You are responsible for having the rights to what you upload and for its accuracy. We may remove content that violates these Terms.

You agree not to:

• Use the Platform for any unlawful purpose, or in violation of any applicable law or regulation, including anti-money-laundering and sanctions laws
• Provide false identity information, impersonate any person, or link financial accounts you do not own or control
• Attempt to gain unauthorized access to the Platform, other accounts, or related systems, or probe, scan, or test their vulnerability
• Interfere with or disrupt the Platform, or circumvent rate limits, usage limits, or security controls
• Use bots, scrapers, or automated tools to access the Platform, or use the Platform to build or train a competing product, without our written permission
• Reverse engineer, decompile, or extract the Platform's underlying models, prompts, or source code, except as permitted by law
• Upload malware or other harmful content, or use the Platform to harass, defraud, or harm any person
• Resell, sublicense, or provide the Platform to third parties except as expressly permitted by your plan

We may investigate violations and suspend or terminate accounts engaged in prohibited conduct.

The Platform — including its software, design, features, content, models, branding, and underlying technology — is owned by Astra Financial, Inc. or its licensors and is protected by intellectual property laws. Except for the limited right to use the Platform per these Terms, no rights are granted to you. The Astra name, logo, and marks may not be used without our written permission.

If you send us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or compensation.

The Platform interoperates with third-party services — including data aggregators (Plaid), payment processors (Stripe), financial institutions, insurers, and communications providers — and may link to third-party sites. Your use of third-party services is governed by their own terms and privacy policies. We are not responsible for third-party services, their availability, or their acts or omissions, and we do not endorse any third-party product mentioned on the Platform.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT OUTPUTS WILL BE ACCURATE, COMPLETE, OR CURRENT; OR THAT LINKED-ACCOUNT DATA RETRIEVED FROM THIRD PARTIES WILL BE ACCURATE OR AVAILABLE.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you.

TO THE FULLEST EXTENT PERMITTED BY LAW: (a) ASTRA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, OR LOSS OF DATA, ARISING FROM OR RELATING TO THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY; AND (b) ASTRA'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO THE PLATFORM WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (ii) ONE HUNDRED U.S. DOLLARS ($100).

These limits do not apply to liability that cannot be limited by law, including liability for fraud, gross negligence, or willful misconduct.

You agree to indemnify and hold harmless Astra and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your content, your use of the Platform, your violation of these Terms, or your violation of any law or third-party right.

Please read this section carefully — it affects your legal rights.

You and Astra agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Platform will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court, except that (a) either party may bring an individual claim in small-claims court, and (b) either party may seek injunctive relief in court for infringement or misuse of intellectual property or unauthorized access to the Platform. The Federal Arbitration Act governs this section. Arbitration will be conducted in English, remotely or in the county where you reside, and each party bears its own attorneys' fees except where the arbitrator awards them under applicable law.

Class action waiver: disputes will be arbitrated only on an individual basis. Neither you nor Astra may participate in a class, consolidated, or representative action, and the arbitrator may not consolidate claims.

Opt-out: you may opt out of this arbitration agreement by emailing [email protected] with the subject "Arbitration Opt-Out" within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms.

You may stop using the Platform and close your account at any time from account settings or by contacting us. We may suspend or terminate your access if you breach these Terms, if required by law, if your use poses risk to the Platform or others, or upon reasonable notice if we discontinue the service.

Upon termination your right to use the Platform ends. Sections that by their nature should survive (including ownership, disclaimers, limitations of liability, indemnification, and dispute resolution) survive termination. Data deletion and retention are handled per our Privacy Policy.

These Terms are governed by the laws of the State of Delaware and applicable federal law of the United States, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs the arbitration agreement. Where a claim proceeds in court, you and Astra consent to the exclusive jurisdiction of the state and federal courts located in Delaware, unless applicable consumer law gives you the right to a different venue.

We may update these Terms from time to time. Each version carries a version identifier and effective date. For material changes we will notify you through the Platform or by email, and where required we will ask you to re-accept before continuing. Your continued use of the Platform after the effective date constitutes acceptance of the updated Terms.

• Entire agreement. These Terms, together with the Privacy Policy and any plan-specific or feature-specific terms presented to you, are the entire agreement between you and Astra regarding the Platform.
• Severability. If any provision is found unenforceable, the remainder stays in effect; an unenforceable provision will be modified to the minimum extent necessary.
• Assignment. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.

Astra Financial, Inc.
Email: [email protected]