Last updated: 24 June 2026
These Terms of Service ("Terms") govern your use of Ascend (the "Service"), a personal net-worth tracking application with optional AI-assisted features. By creating an account or using the Service, you agree to these Terms and to our Privacy Notice. If you do not agree, do not use the Service.
You must be at least 18 years old and able to form a binding contract. Accounts are invite-gated; you are responsible for activity under your account and for keeping your password and any recovery codes secure.
Ascend aggregates balances and holdings you choose to connect (via third-party providers such as Plaid and SnapTrade) or enter manually, and presents your net worth, trends, and analytics. Optional AI features may generate a financial "copilot" chat, a weekly portfolio "Rundown", and per-holding research briefs.
Ascend is an informational tool, not a financial adviser. Ascend is not a registered investment adviser, broker-dealer, or financial planner, and nothing in the Service creates a fiduciary or advisory relationship. All content — including AI-generated research, rundowns, summaries, projections, percentile comparisons, and copilot responses — is provided for general informational and educational purposes only. It is not a recommendation to buy, sell, or hold any security or to make any financial decision. Investing involves risk, including loss of principal. Past performance does not predict future results. Always do your own research and consult a licensed professional before making financial decisions.
AI output is generated by automated models and may be incomplete, out of date, or wrong, and may incorporate third-party or web-sourced information that Ascend does not control or verify. Do not rely on AI output without independently verifying it. AI features may change, be limited, or be discontinued at any time.
When you link an account, you authorize Ascend and its providers to access the data needed to display your balances and holdings, generally on a read-only basis. Ascend does not place trades or move money. How your data is stored, used, and deleted is described in the Privacy Notice. You can export or delete your data at any time from Settings.
Some features require a paid "Pro" subscription, billed through our payment processor (Stripe). Paid plans renew automatically each billing period until you cancel; you can cancel at any time and will retain Pro access through the end of the period already paid. Prices and plan features may change on a prospective basis with reasonable notice. Except where required by law, payments are non-refundable.
The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. Ascend does not warrant that the Service will be uninterrupted, error-free, or that any data or AI output is accurate or complete.
To the maximum extent permitted by law, Ascend and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from financial or investment decisions you make, loss of data, or loss of profits, even if advised of the possibility. To the maximum extent permitted by law, total liability for any claim relating to the Service will not exceed the greater of the amount you paid Ascend in the twelve months before the claim or US$100.
You may stop using the Service and delete your account at any time. We may suspend or terminate access if you violate these Terms or to protect the Service or other users. Sections that by their nature should survive termination (including 3, 8, 9, and 11) will survive.
We may update these Terms from time to time. Material changes will be reflected by the "Last updated" date above and, where appropriate, surfaced in the app. Continued use of the Service after changes take effect constitutes acceptance.
These Terms are governed by the laws of [your jurisdiction], without regard to its conflict-of-laws rules, and you agree to the exclusive jurisdiction of the courts located there.
Questions about these Terms? Contact privacy@example.com.