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Terms of Service

Last updated: January 18, 2026

1. Acceptance of Terms

By accessing or using Handled ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Service. These Terms apply to all users, including firm administrators, advisors, and portal clients.

2. Description of Service

Handled is a B2B platform for financial advisory firms that provides AI-powered tools to help advisors serve their clients more effectively. Our Service includes:

  • Multi-tenant firm management with role-based advisor access
  • AI-powered document intelligence pipeline (OCR, classification, extraction, analysis)
  • Six-domain client financial profile building with completeness tracking
  • Automated gap analysis, contradiction detection, and recommendation generation
  • AI copilot with real-time financial research for advisor decision support
  • Meeting preparation and notes processing
  • White-label client portal for document uploads and profile review

3. Not Financial Advice

IMPORTANT: Handled is a technology platform — not a financial advisor, investment advisor, tax advisor, or legal advisor. The AI-generated insights, gap analyses, and recommendations provided through our Service are tools to assist licensed financial professionals in their practice.

Advisors using Handled are responsible for independently verifying all AI-generated outputs and exercising their own professional judgment before acting on any information. Handled does not guarantee the accuracy, completeness, or suitability of any AI-generated content.

Portal clients should rely on their financial advisor — not on the Handled platform directly — for financial guidance and decisions.

4. Firm Accounts and User Roles

Access to Handled is organized by firm. Firm administrators agree to:

  • Provide accurate firm and advisor information
  • Maintain appropriate access controls for advisors within their firm
  • Ensure all advisors using the platform are properly licensed and authorized
  • Be responsible for all activities under their firm's account
  • Obtain necessary client consent before uploading client documents

Individual advisors must maintain the security of their account credentials and notify their firm administrator immediately of any unauthorized access.

5. Client Portal

Portal clients are granted access by their financial advisor's firm. Portal clients can view their financial profile, upload documents, and respond to document requests. Portal access is governed by the relationship between the client and their advisory firm.

6. Subscriptions and Payments

Handled offers tiered subscription plans for advisory firms. By subscribing, firm administrators agree to:

  • Pay all applicable fees as described at the time of purchase
  • Automatic renewal of the subscription unless cancelled before the renewal date
  • Plan limits on number of clients, advisors, and document processing volume

Payments are processed securely through Stripe. Refunds are provided at our discretion and in accordance with applicable law. Plan changes take effect at the next billing cycle.

7. Data Ownership and Content

Firms and their clients retain ownership of all data and documents uploaded to the Service. By using the Service, firms grant us a limited license to process, analyze, and store content solely to provide the Service.

Firms represent that they have the right to upload client documents and that doing so does not violate any laws, regulations, or client agreements. Firms are responsible for obtaining appropriate client consent.

8. Prohibited Uses

You agree not to:

  • Use the Service for any illegal purpose or in violation of financial regulations
  • Upload malicious content or attempt to compromise our systems
  • Share firm account credentials with unauthorized individuals
  • Attempt to access data belonging to other firms
  • Reverse engineer or attempt to extract our source code or AI models
  • Use automated systems to access the Service without permission
  • Misrepresent AI-generated content as independently produced professional analysis

9. Intellectual Property

The Service, including its design, features, AI models, and proprietary content (excluding user content), is owned by Handled and protected by intellectual property laws. You may not copy, modify, or distribute our materials without permission.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. AI-GENERATED OUTPUTS MAY CONTAIN ERRORS AND SHOULD BE INDEPENDENTLY VERIFIED BY QUALIFIED PROFESSIONALS BEFORE USE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HANDLED SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, OR CLIENT RELATIONSHIPS, WHETHER INCURRED DIRECTLY OR INDIRECTLY, INCLUDING DAMAGES ARISING FROM RELIANCE ON AI-GENERATED CONTENT.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOUR FIRM PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

12. Indemnification

Firms agree to indemnify and hold harmless Handled and its officers, directors, employees, and agents from any claims, damages, or expenses arising from: (a) use of the Service, (b) violation of these Terms, (c) reliance on AI-generated outputs without independent professional verification, or (d) failure to obtain appropriate client consent.

13. Termination

We may suspend or terminate a firm's account for violation of these Terms or for any other reason at our discretion. Firm administrators may cancel their subscription at any time through account settings. Upon termination, firms may request a data export within 30 days.

14. Changes to Terms

We may modify these Terms at any time. We will notify firm administrators of material changes by email. Continued use of the Service after changes constitutes acceptance of the new Terms.

15. Governing Law

These Terms shall be governed by the laws of the State of Delaware, without regard to conflict of law principles.

16. Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except that either party may bring claims in courts of competent jurisdiction for injunctive relief.

17. Contact Us

If you have questions about these Terms, please contact us at:

Email: legal@handled.finance
Website: https://handled.finance