Features Pricing About Contact Get the app
Legal

Terms of Service

Last updated: September 29, 2026

Version 2.1 (effective September 29, 2026). Previous versions: 2.0 (September 23, 2026), 1.0 (July 16, 2026).

We are Martian Labs LLC, doing business as Martian Wealth and Martian ("Company," "we," "us," "our"), a company registered in New York, United States at 418 BROADWAY STE N, ALBANY, NY 12207.

These Legal Terms are Version 2.1 and are effective as of September 29, 2026. They replace Version 2.0, dated September 23, 2026, and revise the free-trial terms in Section 6: the free trial is now an introductory offer started through the Apple App Store or Google Play, rather than a period granted at account creation. If you created your account under an earlier version, you will be asked to review and accept Version 2.1 in the App the next time you sign in; that in-App request is our notice of the change, and the version you accepted continues to govern your use until you accept Version 2.1 or stop using the Services.

We operate the mobile application Martian Wealth (the "App"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").

Martian Wealth is a personal-finance app that lets you connect your bank, credit card, and investment accounts (via providers like Plaid), and see your balances, transactions, and holdings in one place. It uses AI to turn plain-English requests into personalized dashboards and spending insights. Martian Wealth is not a bank, does not hold or move your money, and does not provide financial advice.

You can contact us by email at support@martianwealth.com or by mail to 418 BROADWAY STE N, ALBANY, NY 12207, United States.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Martian Labs LLC, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We may revise these Legal Terms from time to time. Changes that are not material (for example, clarifications, corrections, and changes that do not reduce your rights or increase your obligations) take effect when we post the revised Legal Terms with an updated "Last updated" date and version number. For material changes, we will give you at least fourteen (14) days' notice by email to the address on your account and/or by a notice in the App before the changes take effect, and we will require you to review and re-accept the revised Legal Terms in the App before you continue to use the Services. If you do not agree to the revised Legal Terms, you must stop using the Services, and you may delete your account at any time from the App's settings. Each version of these Legal Terms is identified by its version number and effective date. Prior versions are published at martianwealth.com/legal and available on request at support@martianwealth.com.

The Services are offered only to individuals who are at least 18 years old and who reside in the United States. By using the Services, you represent that you are at least 18 years old and a resident of the United States. We may require proof of age or residency at any time, and we may suspend or close an account that does not meet these requirements. Persons under the age of 18 are not permitted to use or register for the Services.

We recommend that you print a copy of these Legal Terms for your records.

1. OUR SERVICES

The information provided through the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to applicable law or regulation or would subject the Company to any registration or regulatory requirement within such jurisdiction. Persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with all applicable local laws.

We implement administrative, technical, and physical safeguards designed to protect the security, confidentiality, and integrity of your personal and financial information. To provide certain features of the Services, we use third-party financial data aggregators and service providers, including Plaid Inc., to connect your external financial accounts and retrieve balances, transactions, investment holdings, and other related financial information.

By connecting an external financial account through the Services, you authorize us and our third-party service providers, as applicable, to access, retrieve, transmit, process, and store information from your financial institutions on your behalf solely as necessary to provide, maintain, and improve the Services. Your financial information will be collected, processed, and used in accordance with our Privacy Policy and the applicable privacy practices of our third-party service providers.

The Services provide personal financial organization tools, account aggregation, dashboards, analytics, visualizations, and AI-powered insights for informational, educational, and organizational purposes only. The Company does not initiate fund transfers, hold or custody customer funds or securities, execute securities transactions, operate as a bank, money transmitter, broker-dealer, investment adviser, or custodian, or provide financial, investment, legal, tax, or accounting advice.

Early access

If a screen in the App, or the App's listing in an App Distributor's store, marks the App as "early access," "beta," "preview," or similar, then for as long as the App is so marked: features may be added, changed, or discontinued without notice; defects, interruptions, and errors in the data displayed are expected; and you should not rely on the App for anything that requires complete, current, or error-free information. This paragraph applies only while the App is so marked, and it does not narrow any other disclaimer or limitation in these Legal Terms.

2. INTELLECTUAL PROPERTY RIGHTS

Our intellectual property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").

Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.

The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use or internal business purpose only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to:

  • access the Services; and
  • download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use or internal business purpose.

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to: support@martianwealth.com. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.

Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Your submissions

Please review this section and the "PROHIBITED ACTIVITIES" section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services.

Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

You are responsible for what you post or upload: By sending us Submissions through any part of the Services you:

  • confirm that you have read and agree with our "PROHIBITED ACTIVITIES" and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading;
  • to the extent permissible by applicable law, waive any and all moral rights to any such Submission;
  • warrant that any such Submission are original to you or that you have the necessary rights and licenses to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; and
  • warrant and represent that your Submissions do not constitute confidential information.

You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party’s intellectual property rights, or (c) applicable law.

Copyright complaints

We respect the intellectual property of others and expect users of the Services to do the same. If you believe that material available on or through the Services infringes a copyright you own or control, send a notice to our designated agent at support@martianwealth.com (subject line "Copyright Complaint") or by mail to Martian Labs LLC, Attn: Copyright Agent, 418 Broadway STE N, Albany, NY 12207. Your notice must include: (1) identification of the copyrighted work you claim has been infringed; (2) identification of the material you claim is infringing and enough information for us to locate it; (3) your name, mailing address, telephone number, and email address; (4) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; (5) a statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf; and (6) your physical or electronic signature. We will remove or disable access to material that a valid notice identifies and will notify the user who provided it. That user may send us a counter-notice containing their contact information, identification of the removed material, a statement under penalty of perjury that the material was removed by mistake or misidentification, and consent to the jurisdiction of the federal court for their address (or New York County, New York, if outside the United States); unless the complaining party files a court action within ten (10) business days after we forward the counter-notice, we may restore the material. We terminate the accounts of users who are repeat infringers. Knowingly misrepresenting that material is infringing may make you liable for damages under 17 U.S.C. § 512(f).

3. USER REPRESENTATIONS

By using the Services, you represent and warrant that:

1. all registration information you submit will be true, accurate, current, and complete; 2. you will maintain the accuracy of such information and promptly update such registration information as necessary;

3. you have the legal capacity and you agree to comply with these Legal Terms; 4. you are not a minor in the jurisdiction in which you reside; 5. you will not access the Services through automated or non-human means, whether through a bot, script or otherwise;

6. you will not use the Services for any illegal or unauthorized purpose; and 7. your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

4. USER REGISTRATION

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

5. PURCHASES AND PAYMENT

Certain features of the Services may require the purchase of a paid subscription. Payment for subscriptions is processed through the billing platform or payment provider through which you purchased your subscription, such as the Apple App Store, Google Play, or another authorized billing provider.

You agree to provide and maintain current, complete, and accurate billing and payment information as required by the applicable billing provider. By purchasing a subscription, you authorize the applicable billing provider to charge the payment method associated with your account for all applicable subscription fees, taxes, and any other charges incurred in connection with your subscription.

Subscription prices are displayed before purchase and may be changed from time to time. Any price changes will apply only to future billing periods and will be communicated in accordance with applicable law and the policies of the applicable billing provider. All payments are non-refundable except as required by applicable law or the refund policies of the applicable billing provider.

If your payment cannot be successfully processed, your subscription or access to certain paid features may be suspended or terminated until payment is successfully received. We reserve the right to refuse, suspend, or cancel purchases where permitted by applicable law or where fraudulent, unauthorized, or abusive activity is suspected.

6. SUBSCRIPTIONS

Billing and Renewal

Your subscription will continue and automatically renew unless canceled. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order. Billing cycles are monthly or annual, depending on the plan you choose; the length and price of each plan are shown to you before you purchase. Your subscription automatically renews at the then-current price for the same period until you cancel; you can cancel at any time from your Apple ID / Google Play subscription settings, and cancellation takes effect at the end of the current period.

Free Trial

We may offer new subscribers a free trial as an introductory offer through the Apple App Store or Google Play. Starting a free trial requires a valid payment method on your Apple ID or Google account, and the trial’s length, the price that will be charged when it ends, and the renewal terms are displayed in the App and on the store’s payment sheet before you start it. Unless you cancel at least 24 hours before the trial ends, your subscription converts to a paid subscription, the applicable billing provider charges your payment method at the price shown, and the subscription then renews automatically as described above. You may cancel during the trial at no charge from your Apple ID / Google Play subscription settings and keep access until the trial ends. An active subscription (including an active free trial) is required to use the App’s features (connecting accounts, dashboards, investment tracking, spending goals and manual entry). If you do not start a subscription, or your subscription ends, your account, connected institutions and saved dashboards are retained under our Privacy Policy so you can subscribe and pick up where you left off, and you may delete your account at any time. Free trials and introductory offers are generally limited to one per Apple ID / Google account, may not be available if you have previously subscribed, and we may change or withdraw them for new subscribers at any time.

Cancellation and Refunds

You may cancel your subscription at any time through the platform where you originally purchased it (such as the Apple App Store, Google Play, or any other authorized billing provider). Cancellation stops future renewals but does not affect the current billing period. Unless otherwise required by applicable law or the policies of the applicable billing provider, subscription fees already paid are non-refundable. Refund requests for purchases made through the Apple App Store or Google Play are handled by that App Distributor under its own refund policies; we are not able to issue refunds for those purchases ourselves.

Your access to the App’s features will continue until the end of your current billing period, after which your subscription will expire and access will be paused until you subscribe again; your account and data are retained under our Privacy Policy.

Deleting your account or uninstalling the App does not automatically cancel your subscription. You are responsible for canceling your subscription through the applicable billing provider.

If you have questions regarding your subscription or billing, please contact us at support@martianwealth.com.

Fee Changes

We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law.

7. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:

  • Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
  • Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
  • Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
  • Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
  • Use any information obtained from the Services in order to harass, abuse, or harm another person.
  • Make improper use of our support services or submit false reports of abuse or misconduct.
  • Use the Services in a manner inconsistent with any applicable laws or regulations.
  • Engage in unauthorized framing of or linking to the Services.
  • Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
  • Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
  • Delete the copyright or other proprietary rights notice from any Content.
  • Attempt to impersonate another user or person or use the username of another user.
  • Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms").
  • Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
  • Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
  • Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
  • Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
  • Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
  • Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software.
  • Use a buying agent or purchasing agent to make purchases on the Services.
  • Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
  • Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.

8. USER GENERATED CONTRIBUTIONS

The Services do not offer public posting, profiles, comments, or any other way to share content with other users. The only content you provide through the Services is your account and profile information, the financial data you connect or enter manually, the dashboard prompts you type, and the messages you send to our support team (collectively, "Contributions"). Contributions are private to your account: they are not viewable by other users, and we access and use them only as described in our Privacy Policy and in the "CONTRIBUTION LICENSE" section below. Questions, comments, suggestions, ideas, and other feedback you send us about the Services are "Submissions," which are governed by the "Your submissions" paragraph in the "INTELLECTUAL PROPERTY RIGHTS" section above and by the "CONTRIBUTION LICENSE" section below.

You are responsible for the accuracy and legality of your Contributions. When you provide a Contribution, you represent and warrant that:

  • You have the right to provide it to us, and providing it does not infringe the intellectual property, privacy, or other rights of any third party.
  • It is not false, inaccurate, or misleading (for example, manual accounts or transactions that do not exist).
  • It does not violate any applicable law, regulation, or rule, and it is not used to harass, threaten, or defraud any person.

Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

9. CONTRIBUTION LICENSE

You and Services agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings).

By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.

We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

10. MOBILE APPLICATION LICENSE

Use License

If you access the Services via the App, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, and to access and use the App on such devices strictly in accordance with the terms and conditions of this mobile application license contained in these Legal Terms. You shall not: (1) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App; (2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the App; (3) violate any applicable laws, rules, or regulations in connection with your access or use of the App; (4) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the App; (5) use the App for any revenue-generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended; (6) make the App available over a network or other environment permitting access or use by multiple devices or users at the same time; (7) use the App for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the App; (8) use the App to send automated queries to any website or to send any unsolicited commercial email; or (9) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the App.

Apple and Android Devices

The following terms apply when you use the App obtained from either the Apple App Store or Google Play (each an "App Distributor") to access the Services:

(1) Acknowledgement. These Legal Terms are concluded between you and Martian Labs LLC only, and not with Apple Inc. ("Apple") or Google LLC ("Google"). We, and not the App Distributor, are solely responsible for the App and its content. You acknowledge that the App Distributor is not responsible for the App, its content, or any claim relating to it.

(2) Scope of license. The license granted to you for our App is limited to a non-transferable license to use the App on a device that utilizes the Apple iOS or Android operating systems, as applicable, that you own or control, and in accordance with the usage rules set forth in the applicable App Distributor's terms of service (for Apple, the Usage Rules in the Apple Media Services Terms and Conditions), except that the App may be accessed and used by other accounts associated with you through family sharing or volume purchasing where the App Distributor permits it.

(3) Maintenance and support. We are responsible for providing any maintenance and support services with respect to the App as specified in these Legal Terms or as otherwise required under applicable law. You acknowledge that no App Distributor has any obligation whatsoever to furnish any maintenance and support services with respect to the App.

(4) Warranty. We are solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the App to conform to any applicable warranty, you may notify the applicable App Distributor, and the App Distributor, in accordance with its terms and policies, may refund the purchase price, if any, paid for the App. To the maximum extent permitted by applicable law, the App Distributor will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure of the App to conform to any warranty will be our sole responsibility.

(5) Product claims. We, and not the App Distributor, are responsible for addressing any claims by you or any third party relating to the App or your possession and/or use of the App, including but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.

(6) Intellectual property claims. In the event of any third-party claim that the App, or your possession and use of the App, infringes that third party's intellectual property rights, we, and not the App Distributor, are solely responsible for the investigation, defense, settlement, and discharge of that claim.

(7) Legal compliance. You represent and warrant that (i) you are not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a "terrorist supporting" country, and (ii) you are not listed on any U.S. government list of prohibited or restricted parties.

(8) Developer name and address. The developer of the App is Martian Labs LLC, 418 BROADWAY STE N, ALBANY, NY 12207, United States. Questions, complaints, or claims about the App should be directed to support@martianwealth.com.

(9) Third-party terms. You must comply with applicable third-party terms of agreement when using the App; for example, you must not be in violation of your wireless data service agreement when using the App.

(10) Third-party beneficiary. You acknowledge and agree that the App Distributors, and their subsidiaries, are third-party beneficiaries of the terms and conditions in this mobile application license contained in these Legal Terms, and that upon your acceptance of these Legal Terms each App Distributor will have the right (and will be deemed to have accepted the right) to enforce the terms and conditions in this mobile application license contained in these Legal Terms against you as a third-party beneficiary thereof.

11. THIRD-PARTY WEBSITES AND CONTENT

The Services may contain (or you may be sent via the App) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

12. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

13. PRIVACY POLICY

We care about data privacy and security. Please review our Privacy Policy: https://www.martianwealth.com/privacy.html. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.

14. TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

15. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

16. GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of New York applicable to agreements made and to be entirely performed within the State of New York, without regard to its conflict of law principles.

17. DISPUTE RESOLUTION

Informal Negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least sixty (60) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

Binding Arbitration

If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Consumer Arbitration Rules of the American Arbitration Association ("AAA") then in effect (the "AAA Consumer Rules"), which are available at the American Arbitration Association (AAA) website. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. If such costs are determined by the arbitrator to be excessive, we will pay all arbitration fees and expenses. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in New York County, New York. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in New York County, New York, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Legal Terms.

In no event shall any Dispute brought by either Party related in any way to the Services be commenced more than one (1) year after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

Small Claims

Notwithstanding the foregoing, either Party may bring an individual claim in small claims court in New York County, New York, or in the county where you reside, if the Dispute qualifies for that court and remains in that court on an individual (non-class, non-representative) basis. A small claims action does not require prior informal negotiation and is not subject to the binding arbitration provision above.

30-Day Right to Opt Out

You may opt out of the binding arbitration and class-action waiver provisions in this section by sending an email to support@martianwealth.com with the subject line "Arbitration Opt-Out" that includes your full name and the email address associated with your account. To be effective, your opt-out notice must be sent within thirty (30) days after you first accept these Legal Terms or, if you already had an account on the effective date of this version of the Legal Terms, within thirty (30) days after that effective date. Opting out does not affect any other provision of these Legal Terms, and you may still bring a claim in small claims court. If you opt out, any Dispute will be resolved exclusively in the state or federal courts located in New York County, New York, and the Parties consent to the personal jurisdiction of those courts.

Restrictions

The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

Mass Arbitration

If twenty-five (25) or more Disputes that raise similar claims and are represented by the same or coordinated counsel are filed against us within a ninety (90) day period, the Parties agree that they will be administered under the AAA Mass Arbitration Supplementary Rules then in effect. In that case (a) the AAA will select a process arbitrator to resolve threshold and procedural questions common to the filings; (b) the Disputes will be resolved in staged batches: the first batch of up to twenty (20) cases selected by the Parties (half by each side) will proceed to arbitration first, the Parties will then meet and confer in good faith about resolving the remaining Disputes in light of those outcomes, and any that remain will proceed in further batches of up to fifty (50); (c) any applicable statute of limitations is tolled for a Dispute from the time it is filed until it is either resolved or its batch is selected; and (d) arbitration filing fees for cases not yet in an active batch are deferred until that batch begins. Nothing in this paragraph prevents any Party from bringing an individual claim in small claims court as described above.

Effect of an Unenforceable Class Waiver

The class-action and representative-action waiver in the "Restrictions" paragraph above is a material and essential part of this agreement to arbitrate. If a court or arbitrator decides that it is unenforceable as to a particular claim or request for relief, then this entire "Dispute Resolution" section (other than the small claims and 30-day opt-out provisions) is void as to that claim or request, and that claim or request will be decided by the state or federal courts located in New York County, New York; it will be severed from any claims that remain subject to arbitration, which will proceed in arbitration.

Exceptions to Informal Negotiations and Arbitration

The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

18. CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

19. DISCLAIMER

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

20. LIMITATIONS OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, AND TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION WILL AT ALL TIMES BE LIMITED TO THE GREATER OF (A) THE TOTAL FEES YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) ONE HUNDRED U.S. DOLLARS ($100). CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

21. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

22. USER DATA

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

23. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

To receive electronic communications you need a device that can run the App or a web browser, an internet connection, and an email account that can receive messages from us; the App's minimum operating-system requirements are shown in the App Store. You may withdraw your consent to electronic communications by closing your account, but because the Services are delivered only electronically we cannot continue to provide them without it. You may request a paper copy of these Legal Terms or the Privacy Policy by emailing support@martianwealth.com; we may charge a reasonable fee for printing and postage.

Text messages and push notifications. We do not send marketing text messages. The phone number you may give us at registration is optional and is used only to identify your account and, if you connect an institution, to power Plaid's faster re-linking experience. If we ever add text-message features (for example, sign-in codes), we will ask for your separate consent first, tell you the message frequency and that message and data rates may apply, and honor STOP and HELP replies. If the App sends push notifications, you can turn them off at any time in your device settings; they are never required to use the Services.

24. CALIFORNIA USERS AND RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

25. MISCELLANEOUS

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

Assignment. You may not assign or transfer these Legal Terms, your account, or any of your rights or obligations under them, and any attempt to do so is void. We may assign these Legal Terms without your consent in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets, and we will give you notice of the assignment.

Survival. The following sections survive any termination or expiration of these Legal Terms or your account: Intellectual Property Rights; Contribution License; Term and Termination; Governing Law; Dispute Resolution; Disclaimer; Limitations of Liability; Indemnification; User Data; Financial Information, Estimates, Calculations, and No Financial Advice; Artificial Intelligence Features; and this Miscellaneous section, together with any other provision that by its nature should survive.

Notices. We may give you notice by email to the address on your account, by a message inside the App, or by posting on the Services; a notice is effective when we send or post it. You may give us notice by email to support@martianwealth.com, with a copy by mail to Martian Labs LLC, 418 Broadway STE N, Albany, NY 12207, United States; your notice is effective when we receive it.

Export controls and sanctions. The Services are offered only in the United States. You represent that you are not located in, and are not a resident or national of, a country or territory subject to a United States government embargo or designated as "terrorist supporting," and that you are not on any United States government list of prohibited or restricted parties. You agree to comply with all applicable export and sanctions laws.

Force majeure. Without limiting the general statement above, we are not responsible for any delay or failure to perform caused by events beyond our reasonable control, including outages or changes at financial institutions, account-aggregation providers, market-data providers, cloud-hosting providers or app stores, network or power failures, labor disputes, government action, epidemics, or acts of God.

26. FINANCIAL INFORMATION, ESTIMATES, CALCULATIONS, AND NO FINANCIAL ADVICE

The Platform uses automated processing systems, third-party financial data providers, account aggregation services, market data providers, external pricing sources, and artificial intelligence technologies to collect, analyze, categorize, calculate, and present financial information.

The Platform may provide information including, but not limited to:

  • Account balances;
  • Net worth calculations;
  • Investment holdings;
  • Portfolio valuations;
  • Asset allocation;
  • Cost basis;
  • Realized and unrealized gains and losses;
  • Performance percentages;
  • Historical charts;
  • Income analysis;
  • Expense categorization;
  • Budgeting information;
  • Financial trends;
  • AI-generated dashboard layouts and summaries.

You expressly acknowledge and agree that all such information is provided solely for informational, educational, organizational, and personal tracking purposes and represents estimates or approximations only.

The Company does not warrant, represent, or guarantee the accuracy, completeness, timeliness, reliability, or suitability of any information displayed through the Platform.

Financial information may contain errors, omissions, delays, or discrepancies due to, including but not limited to:

  • Third-party data provider limitations;
  • API failures;
  • Synchronization delays;
  • Incorrect or incomplete transaction history;
  • User-provided information;
  • Market data delays;
  • Currency conversion differences;
  • Corporate actions such as splits, mergers, dividends, or adjustments;
  • Algorithmic calculations;
  • Software errors;
  • AI-generated inaccuracies.

Not a system of record

The Platform is not a system of record. The records maintained by your bank, card issuer, brokerage, or other financial institution are the authoritative record of your accounts, and if the Platform and your institution disagree, your institution's records control. All data shown in the Platform (including balances, holdings, transactions, current and historical prices, cost basis, vested and unvested values, net worth, income and spending totals, and any figures derived from them) is provided "as is", is sourced from third parties or computed by us, may be delayed, incomplete, inaccurate, or out of date, and may contain calculation errors. You agree not to make trading, investment, or other financial decisions in reliance on the Platform, and to verify any figure you intend to act on against official sources first.

Market data and prices

Prices and quotes are provided by third-party market data providers, may be delayed, and are estimates; the Platform is not a source of real-time exchange data. Portfolio values, gains, losses, and performance figures computed from those prices are likewise estimates.

No advice and no fiduciary relationship

The Platform is not a brokerage, investment advisor, financial advisor, tax advisor, accountant, or fiduciary. Martian Labs LLC is not a registered investment adviser, broker-dealer, or bank. Your use of the Services does not create a fiduciary, advisory, or client relationship between you and the Company, and the Company owes you no fiduciary duty.

Nothing provided through the Platform constitutes financial, investment, tax, legal, or accounting advice.

You are solely responsible for independently verifying all information with your financial institution, brokerage, accountant, tax professional, or other qualified professional before making any financial decision.

To the maximum extent permitted by applicable law, the Company shall not be liable for any loss, damage, expense, or consequence arising from reliance on information provided through the Platform, including but not limited to investment losses, missed payments, overdraft fees, incorrect budgeting decisions, incorrect portfolio values, inaccurate calculations, or financial decisions made based on Platform information.

27. ACCOUNT CONNECTIONS, THIRD-PARTY SERVICES, FAIR USE, AND SYSTEM LIMITATIONS

The Platform may allow you to connect external financial accounts, including but not limited to bank accounts, credit cards, brokerage accounts, investment accounts, retirement accounts, and other financial institutions ("Connected Accounts") through third-party account aggregation providers, data providers, or other integration partners.

You acknowledge that the availability, accuracy, reliability, and functionality of Connected Accounts depend on third-party providers and financial institutions that are outside of the Company's control.

The Company does not guarantee that any specific financial institution, account type, or data source will be supported, available, or continuously connected to the Platform.

To maintain security, reliability, performance, and reasonable operating costs, the Company may establish limitations regarding Connected Accounts, including but not limited to:

  • The number of accounts or institutions that may be connected;
  • Synchronization frequency;
  • Data refresh availability;
  • Transaction history availability;
  • Data storage limitations;
  • API usage limits; and
  • Features available under different subscription plans.

These limitations may be applied based on subscription level, technical requirements, third-party provider restrictions, security considerations, operational requirements, or other legitimate business purposes.

The Company reserves the right to temporarily suspend, restrict, or remove connections to certain financial institutions, data sources, or accounts where necessary to maintain Platform stability, comply with third-party requirements, prevent abuse, or protect the security and performance of the Platform.

You agree not to misuse Connected Account functionality, including but not limited to:

  • Using automated scripts, bots, crawlers, scrapers, or unauthorized software to access the Platform;
  • Circumventing rate limits, security controls, or usage restrictions;
  • Creating excessive API requests or synchronization activity;
  • Attempting to extract, copy, or replicate financial data beyond permitted use;
  • Interfering with Platform infrastructure or third-party integrations; or
  • Using the Platform in a manner that creates unreasonable costs, risks, or operational impact.

If your use of the Platform causes excessive resource consumption, violates these Terms, creates security risks, or negatively impacts Platform performance, the Company may limit, suspend, or terminate access to affected features or your account, subject to applicable law.

The Company is not responsible for delays, interruptions, missing information, inaccurate information, failed synchronization, or other issues caused by third-party financial institutions, account providers, APIs, data providers, or external services.

28. ARTIFICIAL INTELLIGENCE FEATURES, USER INPUT, AND GENERATED OUTPUTS

The Platform may include artificial intelligence, machine learning, automation, or similar technologies ("AI Features") that assist with generating financial dashboards, visualizations, summaries, classifications, insights, explanations, and other analytical content.

When using AI Features, the information you provide to them ("Input") is the text prompts you type, such as a request for a dashboard, and, when you edit an existing dashboard, that dashboard's existing layout (its widget types and filter criteria) and the earlier prompts you wrote for it. We do not send your transactions, balances, holdings, account numbers, name, or email address to the AI provider; see section 4 of our Privacy Policy.

You retain ownership of your personal information, financial data, and any original content that you submit through the Platform.

By submitting Input, you grant the Company a worldwide, non-exclusive, royalty-free license to access, process, analyze, transmit, store, and use such Input solely as necessary to provide, operate, maintain, improve, secure, and develop the Platform and its AI Features.

The Company uses a third-party artificial intelligence provider, together with cloud infrastructure providers, to process Input and generate AI-powered features. Our AI provider (currently Google LLC, through the Gemini API) processes prompts as our service provider under terms that prohibit it from using them for its own purposes or to train models. We do not use your data, including your prompts, to train AI models, and we do not permit our AI provider to do so.

AI-generated content, including but not limited to dashboards, charts, summaries, categorizations, financial insights, explanations, projections, and analytical outputs ("Output"), is generated automatically and may contain errors, inaccuracies, omissions, outdated information, or incomplete analysis.

AI-generated content is labelled as such in the App; it may be wrong and is not advice.

You acknowledge that AI Features are provided as assistance tools only and that Output should not be considered financial, investment, tax, accounting, legal, or professional advice.

You are solely responsible for reviewing and verifying any AI-generated Output before relying on such information or making any financial decision.

The Company does not guarantee the accuracy, completeness, reliability, or suitability of any AI-generated Output.

Do not enter secrets into AI Features. Prompts are sent to our AI provider when you submit them, so never include passwords, one-time codes, full account or card numbers, Social Security numbers, or any other credential or secret in a prompt. We do not need that information to build a dashboard and we cannot retract a prompt once it has been sent.

No automated decisions. AI Features generate the layout of the information you asked to see. We do not use AI or any other automated processing to make decisions about you that have legal or similarly significant effects (for example, decisions about credit, insurance, housing, employment, or the price you pay), and we do not build profiles of you for such purposes. No opt-out from automated decision-making or profiling is therefore required under state privacy laws.

Ownership of Technology and Platform Components

You retain ownership of your personal financial information contained within any Output.

However, the Company retains all rights, title, and interest in and to the underlying technology, systems, and intellectual property used to create, display, and deliver AI-generated features and outputs, including but not limited to:

  • Software code;
  • Algorithms;
  • AI implementations;
  • Dashboard generation systems;
  • Data visualization frameworks;
  • Widget architecture;
  • User interface designs;
  • Layout structures;
  • Templates;
  • Product workflows;
  • Platform features; and
  • Proprietary technology.

You may use Outputs generated from your own information for your personal and internal purposes.

You may not copy, reproduce, distribute, scrape, extract, reverse engineer, replicate, or commercially exploit the Company's proprietary dashboard systems, interface designs, widget structures, software components, or platform architecture.

Nothing in this section transfers ownership of your personal financial information to the Company, and nothing grants you ownership of the Company's underlying software, technology, or proprietary systems.

29. DATA IMPORT, SYNCHRONIZATION, AND THIRD-PARTY FINANCIAL INSTITUTIONS

The Platform may retrieve, synchronize, and process financial information from third-party institutions, including banks, brokerages, credit card providers, investment platforms, and other financial service providers.

You acknowledge that the Company does not control the availability, accuracy, completeness, or timing of information received from third-party sources.

Financial information may be delayed, incomplete, duplicated, incorrectly categorized, unavailable, or otherwise inaccurate due to limitations or errors outside of the Company's control.

The Company does not guarantee that imported financial information will match records maintained by your financial institutions.

You are responsible for reviewing imported information and correcting any inaccurate, incomplete, or outdated information where applicable.

The Company is not responsible for losses, decisions, fees, or consequences resulting from inaccurate, delayed, missing, or incomplete information received from third-party providers.

30. INVESTMENT HOLDINGS, PORTFOLIO TRACKING, AND CORPORATE ACTIONS

The Platform may provide tools to track investment holdings, portfolio performance, securities information, transactions, and related analytics.

Portfolio information displayed by the Platform may be based on available transaction history, market prices, user-provided information, third-party data sources, and automated calculations.

The Company does not guarantee that holdings, share quantities, cost basis, portfolio values, gains, losses, returns, dividends, or performance calculations will match brokerage statements or official financial records.

Calculations may be affected by, including but not limited to:

  • Missing transactions;
  • Incorrect transaction dates;
  • Incorrect share quantities;
  • Fractional share handling;
  • Stock splits;
  • Reverse splits;
  • Mergers;
  • Acquisitions;
  • Spin-offs;
  • Dividends;
  • Capital gains distributions;
  • Corporate actions;
  • Market price differences;
  • Currency conversions; and
  • Data provider limitations.

You should verify all investment information with your brokerage or financial institution before making investment decisions.

The Platform does not execute trades, hold assets, custody funds, or act as a broker-dealer.

31. FINANCIAL INSIGHTS, FORECASTS, AND PROJECTIONS

The Platform may provide financial insights, trends, projections, estimates, summaries, or automated analysis based on available information.

Such information is generated for informational and organizational purposes only and should not be interpreted as predictions, guarantees, or financial advice. Any projection, forecast or trend shown is hypothetical, is not a guarantee, and past performance is not indicative of future results.

Future financial outcomes depend on many factors outside the Company's control, including market conditions, personal decisions, income changes, expenses, economic conditions, and other circumstances.

The Company does not guarantee the accuracy of any projection, forecast, estimate, or financial insight.

32. USER-PROVIDED INFORMATION

Certain features of the Platform may rely on information entered, uploaded, or modified by users.

You are responsible for ensuring that information you provide is accurate, complete, and current.

The Company is not responsible for errors, losses, or discrepancies resulting from inaccurate, incomplete, outdated, or intentionally incorrect information provided by users.

33. TAX INFORMATION DISCLAIMER

The Platform may display information related to transactions, gains, losses, income, dividends, expenses, or other financial activity.

Such information is provided for organizational purposes only and does not constitute tax advice or official tax reporting documentation.

Tax treatment may vary depending on individual circumstances, jurisdiction, and applicable laws.

You are solely responsible for verifying tax-related information with qualified tax professionals or official financial records before filing tax documents or making tax decisions.

34. ACCOUNT SECURITY

You are responsible for maintaining the confidentiality of your account credentials and protecting access to your account.

You agree to notify the Company promptly if you believe your account has been compromised or accessed without authorization.

While the Company implements reasonable security measures, no system can guarantee absolute security.

The Company cannot guarantee that unauthorized access, data breaches, or security incidents will never occur.

35. NO BROKERAGE OR CUSTODY SERVICES

The Platform is not a brokerage, exchange, bank, custodian, or investment advisor.

The Company does not:

  • Execute trades;
  • Buy or sell securities;
  • Hold customer assets;
  • Manage investments;
  • Control brokerage accounts;
  • Provide investment recommendations; or
  • Have authority over connected financial accounts.

All assets remain held with the applicable financial institution.

Martian Labs LLC is not a bank, depository institution, creditor, lender, money transmitter, money services business, or credit-repair organization, and is not a consumer reporting agency under the Fair Credit Reporting Act (the information in the App is not a consumer report and may not be used to decide eligibility for credit, insurance, employment, or housing). Balances shown in the App are not deposits with us, and no FDIC, NCUA, or SIPC insurance arises from your use of the Services, because we never hold your funds or securities; any insurance that applies to your accounts is provided by, and remains with, the institution that holds them.

36. CONTACT US

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Martian Labs LLC

418 BROADWAY STE N

ALBANY, NY 12207

United States

support@martianwealth.com

Security issues: support@martianwealth.com (subject line "Security")

See also our Privacy Policy.