Terms & Conditions

These Terms & Conditions (the “Terms”) form a binding agreement between you (“you” or “User”) and Lodestar Wealth, LLC, a Pennsylvania limited liability company (“Lodestar,” “we,” “us,” or “our”), the operator of LodestarWealth.io and related applications (collectively, the “Service”). You accept these Terms when you click or tap a button indicating acceptance (for example “Continue,” “Sign up,” or a subscribe button shown alongside a link to these Terms), when you create an account, and whenever you access or use the Service. Accepting these Terms also means accepting our Privacy Policy. If you do not agree, do not use the Service.

These Terms affect your legal rights. They include a binding individual arbitration agreement and a waiver of class actions and jury trials (Section 16), an automatically renewing subscription (Section 5), a no-refund policy (Section 7), and limits on our liability (Sections 12 and 13). Please read them before you accept.

Lodestar is an education and self-directed planning tool. It is not financial advice. We do not provide investment, tax, legal, or accounting advice, we do not manage money, and we never recommend that you buy or sell any specific security. Every figure the Service shows — every diagnostic, dollar impact, forecast, and simulation — is an estimate produced from the information you give us, not a promise of any outcome. You decide what to do with your money. Confirm any move with a qualified, licensed professional, and confirm anything tax-related with a CPA, before you act.

1. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. The Service is intended for residents of the United States. By using the Service, you represent and warrant that you meet these requirements and that the information you provide is accurate.

2. What Lodestar Is — And Is Not

Lodestar provides educational information and self-directed planning tools. It is not a financial planner, investment adviser, broker-dealer, accountant, tax preparer, or law firm, and it is not a fiduciary. Nothing on the Service constitutes investment, tax, legal, accounting, or other professional advice, a recommendation to buy or sell any security, or an offer or solicitation of any kind. We are not subject to Regulation Best Interest, and no fiduciary or “best interest” standard applies to anything the Service produces.

All outputs — including diagnostics, prioritized action items, estimated dollar impacts, forecasts, simulations, and “Personalized Opportunities” — are illustrative, general in nature, and generated by automated models and deterministic calculations using the information you supply. They are estimates and projections, not guarantees of any outcome. A forecast or Monte Carlo range shows what a set of assumptions implies, not what will happen; real returns, inflation, taxes, income, and spending will differ. You are solely responsible for your financial decisions, and you should confirm any course of action with a qualified, licensed professional (for example, a CPA for tax matters) before acting.

AI-generated output can be wrong. Parts of the Service use artificial intelligence — to read the statements you upload, to phrase and rank the moves our calculation engine produces, to write your portfolio review and market brief, and to answer your questions in chat. AI output can be incomplete, out of date, or simply incorrect, and it can state something confidently that is not true. Treat every AI-generated sentence as a starting point to verify, not a fact to act on: check anything that matters against your own statements and a qualified professional before you rely on it.

3. No Reliance

You acknowledge that you will not rely on the Service as the sole basis for any financial, tax, investment, or legal decision. Past performance and modeled scenarios do not guarantee future results. Market, tax, and personal circumstances change, and the Service may not reflect those changes.

4. Accounts & Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate information and to notify us promptly of any unauthorized use. We may suspend or terminate accounts that violate these Terms.

5. Plans, Billing & Payments

The Service offers a free tier and a paid “Plus” subscription, currently $14.99 per month or $149.99 per year billed in advance. The price and billing interval that apply to you are the ones shown at checkout when you subscribe. Prices and available plans may change with notice; a change never affects a period you have already paid for. Payments are processed by our third-party payment processor (Stripe) — we never receive or store your full card details.

Automatic renewal. A Plus subscription renews automatically until you cancel. By subscribing you authorize us, through Stripe, to charge the payment method you provide the then-current price for the interval you selected — monthly or yearly — at the start of each renewal period. We may charge the payment method on file, including a replacement or updated card your card issuer provides to Stripe.

Free trials.Free trials run for 7 days, require a valid payment method up front, and are limited to one per person — including if you previously trialed or subscribed on an account you have since deleted. During a trial you have access to the paid plan's features, except that the action plan and Personalized Opportunities show a preview of your top 3 items; the remaining items unlock when your paid subscription starts. You may end a trial early from the app to start your paid subscription (and unlock those items) immediately. Unless you cancel before the trial ends, your paid subscription starts automatically when the trial ends, your payment method is charged the price for the interval you selected at checkout, and it is charged again at the start of each renewal period until you cancel.

How to cancel.You may cancel at any time from Profile → Manage billing, which opens the Stripe billing portal, or by emailing us at contact@lodestarwealth.io. Cancelling during a free trial stops it converting, and you are not charged. Cancelling a paid subscription takes effect at the end of the current paid period: you keep Plus access until that period ends, and you are not charged again. Deleting your account instead of cancelling ends your subscription immediately — see Section 15.

6. Referrals & Promotional Credits

We may offer a referral program in which you choose a referral code and share it, and the person you refer enters it at checkout for a discount on their first payment. A credit is issued to you only after a person you referred completes a paid subscription payment — not when they sign up, and not when they start a free trial — and only once per referred person. Credits are applied to your Lodestar account balance held with our payment processor, have no cash value, and are not redeemable for cash or refundable. If you delete your account, any unused credit is forfeited and no further credits are issued.

Codes are 4–20 letters and numbers, are not case-sensitive, and may not be words reserved to Lodestar or chosen to suggest you are us. Changing your code retires the previous one, and anyone still holding the old one can no longer use it. We may withhold or reverse credits, disable a code, and suspend participation where we reasonably determine the program is being misused — including self-referral, using the same payment method on both accounts, and bulk or automated distribution. We may change or end the program, or change the credit amount, at any time.

7. No Refunds

All payments are final and non-refundable, except as expressly provided in Section 15 and as required by law. This includes subscription fees (whether or not the Service is used during a billing period) and any one-time purchases, to the maximum extent permitted by law. We do not provide refunds or credits for partial periods, unused features, or dissatisfaction. If you cancel, you will not be charged for subsequent periods, but previously charged amounts will not be refunded.

8. Third-Party Services & Data Accuracy

The Service relies on third parties — including Plaid (account connectivity), Stripe (payments), Anthropic (AI processing), market-data providers, and others described in our Privacy Policy. Your use of those features may be subject to the third party’s own terms and privacy practices. We are not responsible for, and disclaim all liability arising from, the acts, omissions, availability, or accuracy of any third-party service.

Third-party and parsed data can be wrong.Balances, transactions, holdings, and market figures reach the Service through linked-account connections, market-data feeds, and automated parsing of the statements you upload. Any of those can be incomplete, delayed, misclassified, or wrong: a statement can be misread, a transaction can land in the wrong category, a holding can be mapped to the wrong asset class, and a quote can be stale. We do not independently verify third-party data. Your own statements and your provider’s records are authoritative — check them before acting, and correct anything that looks wrong in the app.

9. Acceptable Use

You agree not to:

• use the Service for any unlawful, fraudulent, or abusive purpose;
• reverse engineer, scrape, copy, resell, or create derivative works from the Service;
• interfere with, disrupt, or attempt to gain unauthorized access to the Service or its systems;
• upload data you do not have the right to provide, or that infringes the rights of others; or
• use the Service to provide regulated financial advice to third parties.

10. Intellectual Property, Your Content & Feedback

The Service, including all software, content, design, and trademarks, is owned by Lodestar or its licensors and is protected by intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your personal, non-commercial use. You retain ownership of the financial information you provide; you grant us a license to process it solely to operate and improve the Service as described in our Privacy Policy.

Feedback. If you send us ideas, suggestions, corrections, questions, or other feedback about the Service — including through the in-app feedback controls, parse corrections, and chat — you grant us a perpetual, irrevocable, worldwide, royalty-free license to use it for any purpose, without obligation, compensation, or attribution.

Aggregated and de-identified data. We may create aggregated or de-identified information from your use of the Service, and may retain and use it — including to develop, evaluate, and improve our rules, models, and benchmarks, and to publish aggregate statistics — provided it does not identify you and we do not attempt to re-identify it.

11. Sharing & Public Links

The Service lets you publish a read-only link to an analysis or a portfolio review. You choose what a link contains — which sections appear, and whether dollar amounts are shown or hidden — but a published link is public: anyone holding the URL can open it without logging in, and can forward it, save it, or screenshot it. Treat publishing a link as making that information public.

Published links are not currently revocable from within the app, and a published link may remain accessible after you delete your Lodestar account. If you want a link taken down, email us at contact@lodestarwealth.io with the URL and we will remove it. Do not publish anything you are not comfortable making public, and do not publish another person’s information without their permission. You are responsible for what you choose to publish.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, THAT ANY ESTIMATE, FORECAST, OR RESULT WILL BE ACCURATE OR ACHIEVED, OR THAT AI-GENERATED, PARSED, OR THIRD-PARTY-SOURCED CONTENT WILL BE ACCURATE OR COMPLETE.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LODESTAR AND ITS OWNERS, OPERATORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST SAVINGS, LOST DATA, OR INVESTMENT OR FINANCIAL LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

14. Indemnification

You agree to indemnify, defend, and hold harmless Lodestar and its owners and operators from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any law or the rights of any third party.

15. Termination & Account Deletion

We may suspend or terminate your access to the Service at any time, with or without cause or notice. If we terminate or suspend a paid account for our convenience — and not because of your breach of these Terms, your violation of law, non-payment, or a risk you pose to the Service or to other users — we will refund the pro-rata portion of any prepaid subscription fee covering the period after termination. No other refunds are provided.

You may delete your account at any time from your profile. Deleting your account ends your subscription immediately — not at the end of the period — and no refund is due for the remainder of a period you have already paid for. If you want to keep access through the period you paid for, cancel instead of deleting, then delete once the period ends.

After deletion we retain a limited set of records: security and audit logs, a one-way record used to enforce the one-free-trial-per-person limit, and records we are required or permitted to keep by law. Published share links may remain accessible (see Section 11). Sections that by their nature should survive — including ownership, disclaimers, limitations of liability, indemnification, and dispute resolution — will survive termination or deletion.

16. Governing Law & Dispute Resolution

Governing law. These Terms, and any dispute arising out of or relating to them or to the Service, are governed by the laws of the State of Pennsylvania, United States, without regard to its conflict-of-laws rules — except that the Federal Arbitration Act governs the arbitration agreement below. For any dispute that is not arbitrated (including a claim brought in small-claims court and any claim severed under the last paragraph of this Section), you and Lodestar agree to the exclusive jurisdiction and venue of the state and federal courts located in Pennsylvania, and each of us consents to personal jurisdiction there and waives any objection to that venue as inconvenient.

Informal resolution first. Before starting an arbitration, you must send a Notice of Dispute to contact@lodestarwealth.io describing the claim, the facts behind it, and the relief you want, and the parties will try in good faith to resolve it for 60 days. Completing this step is a condition of starting an arbitration.

Arbitration. If the dispute is not resolved, any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules in effect when the demand is filed (the “Rules”), which that administrator publishes on its website. A single arbitrator decides the dispute and applies the governing law named above; a court, not the arbitrator, decides whether this arbitration agreement is enforceable.

Individual basis only. Claims may be brought and arbitrated only on an individual basis, never in a class, collective, consolidated, or representative action. You and Lodestar each waive any right to a jury trial and any right to bring, join, or participate in a class, collective, or representative proceeding. The arbitrator may award relief only in favor of the individual party seeking relief, and only to the extent needed to resolve that party’s own claim. If 25 or more similar demands are filed by or with the coordination of the same counsel, they will be arbitrated in batches of up to 50, one arbitrator and one fee set per batch.

Where it happens, and who pays.Arbitration will be conducted by telephone, video, or on the documents unless the arbitrator orders otherwise; any in-person hearing will take place in the county where you live, or somewhere else we both agree on. The Rules cap the filing fee you pay as a consumer and allocate the remaining administrative and arbitrator fees to us — we will pay those, and we will not seek them back from you unless the arbitrator finds your claim frivolous or brought for an improper purpose. Each party pays its own attorneys’ fees unless the arbitrator or applicable law provides otherwise.

Small claims. Nothing above stops either of us from bringing an individual claim in small-claims court, so long as the claim stays in that court and on an individual basis. Either party may also ask a court for injunctive relief to stop infringement or misuse of intellectual property.

Your 30-day right to opt out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms. Email contact@lodestarwealth.io with the subject line ARBITRATION OPT-OUT, and include your name, the email address on your account, and a statement that you are opting out of arbitration. Send it within those 30 days. We will confirm receipt by reply. Opting out is free, costs you nothing else, and affects nothing else in these Terms — if you opt out, disputes between us are resolved in the courts named above.

If the class waiver fails. If the waiver of class, collective, and representative actions above is found unenforceable as to any claim or any request for relief, that claim or request is severed from arbitration and will be litigated in the state or federal courts located in Pennsylvania, and the rest of this arbitration agreement remains in force. Class, collective, and representative arbitration is not agreed to under any circumstances. Notwithstanding Section 18, this paragraph is not severable.

17. Changes to the Service or Terms

We may modify the Service or these Terms at any time. Material changes will be reflected by updating the “Last updated” date above and, where appropriate, by additional notice — including by email to the address on your account. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms. If you do not accept a change, stop using the Service and cancel any subscription.

18. Miscellaneous

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect, except as expressly provided in Section 16. Our failure to enforce a provision is not a waiver. These Terms, together with the Privacy Policy, are the entire agreement between you and Lodestar regarding the Service. You may not assign these Terms without our consent; we may assign them freely.

Electronic communications. You consent to receive notices, disclosures, agreements, billing receipts, and other communications from us electronically — at the email address on your account or by posting them in the Service — and you agree that these satisfy any legal requirement that such communications be in writing. You may withdraw this consent by closing your account.

Force majeure. We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including outages or failures of third-party providers, network or hosting failures, acts of government, and natural events.

No third-party beneficiaries. These Terms create no rights in any person other than you and Lodestar.

19. Contact & Notices

Questions about these Terms? Contact us at contact@lodestarwealth.io.

Legal notices — including a Notice of Dispute under Section 16 and an arbitration opt-out — go to contact@lodestarwealth.io. We operate exclusively online, and email to that address is our required notice channel; we will confirm receipt.

Lodestar Wealth, LLC
Registered office: 502 W 7th St, Ste 100, Erie, PA 16502