Terms of Service

Service Description

Stewardfi LLC (“Stewardfi,” “we,” “us”) provides a personal finance platform that delivers financial statements and financial management tools to household subscribers (“you,” “Client”).

Stewardfi is offered as a single, all-inclusive subscription:

• CPA-Delivered — $149/month (or $1,500/year): A licensed CPA reviews your financial data monthly and delivers financial statements with plain-English commentary. The subscription is all-inclusive: automatic account syncing; spending, net worth, and cash-flow tracking; direct messaging with your CPA; and business-entity financials are all included at no additional charge. There are no separate tiers, add-ons, or per-entity charges.

The $149/month founding rate is locked for the first 200 clients; pricing increases afterward. All subscriptions are delivered as a consulting engagement under AICPA Consulting Services Standards (CS Section 100).

Nature of Professional Services

CPA-Delivered financial statements are provided as part of a consulting engagement under AICPA Consulting Services Standards (CS Section 100). These statements have not been subjected to an audit, review, or compilation engagement as defined by the AICPA Statements on Standards for Accounting and Review Services (SSARS). No assurance is provided on these financial statements.

• Your financial statements have NOT been audited, reviewed, or compiled in accordance with SSARS.
• No assurance, whether limited or otherwise, is provided on your financial statements.
• Stewardfi does not independently verify the accuracy or completeness of data received from your financial institutions via Plaid or other data aggregators.

Not Financial Advice

Stewardfi is not a registered investment adviser. Nothing in our services constitutes investment advice, tax advice, or legal advice. Consult qualified professionals for specific financial, tax, or legal guidance.

Data and Third Parties

Plaid: We use Plaid Inc. to connect to your financial institutions. By using Stewardfi, you acknowledge and agree to Plaid's end user privacy policy.

AI Categorization: We use artificial intelligence (Claude by Anthropic) to assist with transaction categorization. AI categorization may be reviewed and corrected by a CPA.

Stripe: Payment processing is handled by Stripe Inc.

Household Accounts

By inviting a member to your household, you acknowledge that shared account data will be visible to that member according to your visibility settings. Each household member is responsible for configuring their own account visibility preferences.

CPA Messaging

Your subscription includes direct messaging with your CPA as part of the single all-inclusive plan. CPA responses are part of the service.

Billing, Trials, and Cancellation

The subscription includes a 30-day free trial. Cancel before the trial ends and you will not be charged. Credit card is required to start a trial.

After the trial period, you may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of your current billing period.

Monthly subscriptions: no refund for the current billing period after cancellation. Annual subscriptions: no partial refunds for unused months.

Limitation of Liability

Stewardfi provides financial reporting services “as is.” We make no warranties regarding the accuracy of third-party data (bank balances, investment prices). Our liability is limited to the amount you paid for services in the prior 12 months.

Contact

Questions? Email support@stewardfi.ai.