Terms of Use

These Terms of Use are a contract between you and findmyFA.app. Please read them. They are written in plain language on purpose.

1. Acceptance of these terms

By accessing or using findmyFA.app (the "Site"), you agree to these Terms of Use. You also agree to our Legal Disclosures, our Privacy Policy, and our Review & Testimonial Policy, each of which is incorporated into these Terms by reference. If you do not agree to all of them, do not use the Site.

2. Eligibility

You must be at least 18 years old to use the Site. The Site is not directed to anyone under 18, and we do not knowingly permit anyone under 18 to create an account or submit content. By using the Site you represent that you are 18 or older and that you have the legal capacity to enter into these Terms.

3. What the Site is, and what it is not

The Site is a directory that reproduces public registration records about US financial advisors. It is not investment, legal, or tax advice; it is not an offer or solicitation; and it is not a recommendation, referral, or endorsement of any advisor, firm, or security. Using the Site creates no adviser-client, fiduciary, or other professional relationship between you and us. Section 3 of this document does not restate all of that — the Legal Disclosures do, and they govern.

4. Your license to use the Site

Subject to these Terms, we grant you a limited, personal, revocable, non-exclusive, non-transferable license to access and use the Site to look up individual advisors for your own personal, non-commercial purposes. We reserve all other rights.

You may not, and you may not permit anyone else to:

• Scrape or bulk-extract. Use any robot, spider, crawler, script, headless browser, data-mining tool, or other automated means to access, harvest, copy, or index the Site or the data on it, except that a general-purpose search engine may crawl the Site in accordance with our robots.txt.
• Build a competing dataset. Copy, download, store, aggregate, or reconstruct all or a substantial part of the underlying dataset, whether in one action or through repeated individual lookups.
• Resell or republish. Sell, license, sublicense, rent, redistribute, syndicate, or republish the data, or incorporate it into another product, database, directory, or service.
• Market to the people listed. Use any information obtained from the Site — including names, firm affiliations, CRD numbers, and locations — to send or facilitate unsolicited marketing, advertising, solicitation, or promotional communications for goods or services of any kind, by any channel. This restriction mirrors the Permitted Uses restriction in FINRA's BrokerCheck Terms of Use, and it applies to you as our user.
• Misuse the data. Use the data for any employment, credit, insurance, tenant, or other eligibility determination governed by the Fair Credit Reporting Act. We are not a consumer reporting agency and the Site is not a consumer report.
• Interfere. Circumvent rate limits, security measures, or access controls; probe or test the vulnerability of the Site; introduce malware; or impose an unreasonable load on our infrastructure.
• Misrepresent. Frame, mirror, or deep-link the Site in a way that misrepresents its source, or remove or obscure any attribution, disclaimer, or source notice.
• Impersonate. Use the Site to impersonate any person or entity, or to falsely state or imply an affiliation with us, with any advisor or firm, or with any regulator.

We own the Site, its design, its code, its compilation and arrangement of data, and our trademarks. The underlying government records are public records; our selection, arrangement, and presentation of them is ours.

5. Accounts

Some features require you to sign in with a supported third-party account. You are responsible for the activity that occurs under your account and for keeping your credentials secure. Tell us promptly if you believe your account has been compromised. We may suspend or terminate an account that violates these Terms.

6. Your content

"Your content" means anything you submit to the Site, including reviews, replies, corrections, and messages.

You own your content. We do not claim ownership of it. You grant us a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to host, store, reproduce, publish, display, distribute, adapt for formatting, and create excerpts of your content in connection with operating and promoting the Site. This license continues for as long as your content is published and for a reasonable period afterward in our archives and backups.

You promise that your content is:

• truthful, and an accurate account of your own genuine, first-hand experience;
• your own original work, and not written or paid for by anyone else;
• submitted without any compensation, inducement, discount, gift, or other thing of value from the advisor or anyone acting for them;
• not defamatory, harassing, unlawful, or infringing on anyone's intellectual property or privacy rights;
• free of any personal information about a third party that you do not have the right to share.

You agree that all reviews, testimonials, endorsements, and replies are governed by our Review & Testimonial Policy, including its submission attestations, publication disclosures, rejection criteria, and dispute process. That policy is part of these Terms.

7. Advisor conduct

If you are a financial advisor or registered representative, or you act for one — as an employee, marketing agency, reputation-management vendor, family member, or anyone else — then you agree that you will not, directly or indirectly:

• solicit, request, encourage, or arrange for reviews about yourself or your firm on the Site;
• offer, provide, or promise anything of value — cash, gifts, discounts, fee credits, prize entries, or anything else — in exchange for a review on the Site, or in exchange for removing or altering one;
• purchase, commission, or otherwise obtain reviews from any source, including review brokers and generative tools;
• submit a review, rating, or endorsement about yourself, your firm, your colleagues, or a competitor;
• induce, instruct, or assist any other person to do any of the above;
• use multiple accounts, false identities, or automated means to influence what appears on the Site.

These obligations apply whether or not you have claimed a profile on the Site. If we determine that an advisor or someone acting for them has violated this section, we may remove the affected content, refuse future submissions relating to that advisor, and publish a notice of the violation on that advisor's profile. We may also report conduct to the relevant regulator where we believe the law requires or permits it.

8. Moderation and removal

We may remove, refuse to publish, or restrict access to any content that violates these Terms or the published criteria in our Review & Testimonial Policy, applied identically to favorable and unfavorable content. We do not promise to remove any particular content on request. A demand letter is not a removal criterion. When we decline to remove content, we will say so and cite the criterion we applied.

We are a provider of an interactive computer service and are not the publisher or speaker of content provided by others.

9. Disclaimers

Sections 11 and 12 of our Legal Disclosures are incorporated here in full and apply to your use of the Site. In summary and without limiting them:

THE SITE AND ALL INFORMATION ON IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, secure, or error-free, or that any record shown is accurate, current, or complete. Always confirm registration information against the primary sources at adviserinfo.sec.gov and brokercheck.finra.org.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, findmyFA.app AND ITS OPERATORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST DATA, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF THIS SITE, WHETHER BASED IN CONTRACT, TORT, STATUTE, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages. Where that is the case, the exclusions and limitations above apply to the greatest extent the law allows, and nothing in these Terms limits liability that cannot lawfully be limited.

11. Indemnity

You agree to defend, indemnify, and hold harmless findmyFA.app and its operators, officers, employees, and agents from and against any claim, demand, proceeding, loss, liability, damage, cost, or expense (including reasonable legal fees) arising out of or relating to: (a) your content; (b) your use of the Site; (c) your breach of these Terms or of any law; or (d) your violation of the rights of any third party. We may assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of that claim.

12. Governing law, venue, and anti-SLAPP

These Terms are governed by the laws of [STATE], without regard to its conflict-of-laws rules. You and we agree that the exclusive venue for any dispute arising out of or relating to these Terms or the Site is the state and federal courts located in [STATE], and you consent to personal jurisdiction there.

Nothing in this section waives any protection available to us or to our users under any applicable anti-SLAPP statute, the federal Communications Decency Act, or the federal Consumer Review Fairness Act, and we may invoke applicable anti-SLAPP protections, including any right to recover fees and costs, against claims brought to suppress protected speech on the Site.

13. Copyright and DMCA

We respect intellectual property rights. If you believe material on the Site infringes your copyright, send a written notice to our designated agent that includes: (a) your physical or electronic signature; (b) identification of the copyrighted work claimed to be infringed; (c) identification of the material you claim is infringing and enough information for us to locate it; (d) your contact information; (e) a statement that you have a good-faith belief the use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, under penalty of perjury, that the information in the notice is accurate and that you are the owner or authorized to act on the owner's behalf.

Designated DMCA agent: [DMCA_AGENT]

If we remove material in response to a notice, we will make a reasonable effort to notify the person who posted it, who may submit a counter-notice as provided by 17 U.S.C. § 512(g). We terminate the accounts of repeat infringers in appropriate circumstances. Please note that the underlying government registration records reproduced on this Site are public records and are generally not subject to copyright; a DMCA notice is not a route to removing an accurate public record. Misrepresentations in a DMCA notice can carry liability under 17 U.S.C. § 512(f).

14. Changes to these Terms

We may update these Terms. When we do, we will change the version number and effective date at the bottom of this page, and we will keep prior versions available. Material changes will be announced on the Site before they take effect. Your continued use of the Site after the effective date of a change means you accept the updated Terms. If you do not accept them, stop using the Site.

15. General

If any provision of these Terms is found unenforceable, the rest remains in effect and the unenforceable provision is limited to the minimum extent necessary. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms, together with the documents incorporated by reference, are the entire agreement between you and us about the Site. We may suspend or terminate your access at any time for violation of these Terms; sections 6, 9, 10, 11, 12, and 15 survive termination.

16. Contact

[CONTACT_EMAIL]. For errors in a registration record, please use Data Corrections instead — it is faster.