Last Updated: February 5, 2026
Important Notice: Unmanaged provides portfolio analysis software and educational information. We are NOT a registered investment advisor, broker-dealer, or financial planner. Our Service does not constitute investment advice. You are solely responsible for your investment decisions.
These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "User") and Unmanaged LLC ("Unmanaged," "we," "us," or "our") governing your access to and use of the Unmanaged website, application, and related services (collectively, the "Service").
By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Service.
Unmanaged provides portfolio analysis software that:
What We Are: A software tool that shows you the math behind your portfolio. We provide data, calculations, and analysis.
What We Are Not: Investment advisors, financial planners, tax advisors, or fiduciaries. We do not recommend specific investments or tell you what to do with your money.
THIS IS THE MOST IMPORTANT SECTION OF THESE TERMS. PLEASE READ CAREFULLY.
The Service provides information and analysis for educational purposes only. Nothing in our Service constitutes:
The analysis, reports, and information provided by our Service are based on the data you provide and publicly available information. They are intended to help you understand your portfolio, not to tell you what to do.
You should consult with qualified professionals (including registered investment advisors, tax professionals, and attorneys) before making investment decisions. Past performance does not guarantee future results. All investments involve risk, including the possible loss of principal.
To use our Service, you must:
By using our Service, you represent and warrant that you meet these eligibility requirements.
To access certain features of the Service, you must create an account. You agree to:
We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.
Our Service uses Plaid Inc. ("Plaid") to connect to your brokerage accounts. By using this feature, you:
We are not responsible for Plaid's services, availability, or data handling practices beyond our contractual relationship with them.
Our Service is offered at the prices displayed on our website at the time of purchase. Prices are in U.S. dollars and are subject to change with notice.
Payments are processed by Stripe. By making a purchase, you agree to Stripe's terms of service. We do not store your full payment card information.
Due to the nature of our Service (immediate delivery of analysis), all sales are final. However, if you experience technical issues that prevent you from receiving your analysis, please contact us within 7 days for a full refund.
The Service and its original content, features, and functionality are owned by Unmanaged and are protected by copyright, trademark, and other intellectual property laws.
Your analysis reports are yours to keep and use. However, the underlying algorithms, methodologies, and software remain our intellectual property.
You may not:
You agree not to use the Service to:
While we strive to provide accurate analysis, you acknowledge that:
You are responsible for verifying the accuracy of any information before making investment decisions.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:
TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNMANAGED SHALL NOT BE LIABLE FOR:
These limitations apply regardless of the theory of liability (contract, tort, or otherwise) and even if we have been advised of the possibility of such damages.
Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law.
You agree to indemnify, defend, and hold harmless Unmanaged and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from:
We may suspend or terminate your access to the Service at any time, with or without cause or notice, including for violation of these Terms.
You may terminate your account at any time by contacting us or using the account deletion feature in your settings.
Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination (including disclaimers, limitations of liability, and indemnification) shall survive.
We reserve the right to modify these Terms at any time. We will provide notice of material changes by:
Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.
Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall take place in Wilmington, Delaware, and the arbitrator's decision shall be final and binding.
You agree to waive any right to a jury trial or to participate in a class action lawsuit.
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Unmanaged regarding your use of the Service.
For questions about these Terms, please contact us:
Remember: We show you the math. You decide. Consult qualified professionals before making investment decisions.