Terms of service

Last Updated: May 27, 2026

1. INTRODUCTION AND ACCEPTANCE OF TERMS

Welcome to Zealth.io, the online platform and mobile application ("Platform") operated by Zealth Planning, LLC ("Zealth," "we," "us," or "the Adviser"). Zealth Planning, LLC is a state-registered investment adviser. Zealth is registered as an investment adviser with the California Department of Financial Protection and Innovation ("DFPI"). Zealth is not registered with the U.S. Securities and Exchange Commission ("SEC"). Registration with state regulators does not imply a certain level of skill or training. Zealth and its supervised persons are subject to regulatory oversight and examinations by the DFPI and applicable state regulators, including requirements to protect client information and comply with applicable fiduciary duties and privacy rules under state and federal law.

Acceptance: These Terms and Conditions, together with our Privacy Policy and any other documents referenced herein (collectively, this "Agreement"), form a legally binding contract between you (referred to as "Client," "you," or "your") and Zealth. By accessing or using the Platform, creating an account, or by clicking "I Agree" to this Agreement, you acknowledge that you have read and understood these Terms and you accept and agree to be bound by them. This Agreement is effective as of the moment you accept it electronically, and your electronic acceptance is equivalent to your handwritten signature. If you do not agree with these Terms, you must not access or use the Platform or services. Zealth reserves the right to decline service, deactivate accounts, or terminate this Agreement at any time, as described herein.

Advisory Relationship: By accepting these Terms and using our advisory services, you are entering into an investment advisory agreement with Zealth Planning, LLC. In doing so, you acknowledge that you are establishing an advisory client relationship with a fiduciary investment adviser. Use of the Platform to obtain personalized investment recommendations constitutes your consent to this advisory relationship and agreement, subject to the fiduciary obligations under applicable state and federal law. If you have any questions about this Agreement, please contact us before proceeding. You may request a copy of this Agreement or the Privacy Policy at any time.

Term of Agreement: As required by California Code of Regulations § 260.238(n), this Agreement is entered into for an indefinite term and shall continue in full force and effect from the date you accept it until terminated by either party pursuant to Section 12. There is no fixed end date. Either party may terminate this Agreement at any time in accordance with the termination provisions set out in Section 12. New clients have a right to terminate without penalty within five (5) business days of signing, as described in Section 12.

2. ZEALTH’S SERVICES AND DUTY

Individualized Advice: Zealth provides personalized investment advice and portfolio recommendations through the Platform, tailored to the information you provide us about your financial situation and goals. Unlike a mere educational tool or general financial calculator, our Platform delivers recommendations specific to you once you enter into this Agreement and provide the required data. As a state-registered investment adviser, Zealth acknowledges that it is acting as a fiduciary on your behalf, and we accept a fiduciary duty to serve your best interests at all times. This means Zealth must place your interests ahead of its own and make recommendations suitable for you based on your profile.

Fiduciary Standard: Under the Investment Advisers Act of 1940 and applicable state law, an investment adviser is a fiduciary obligated to act in the best interest of its clients. Zealth adheres to this standard. We owe you a duty of care (to provide competent and suitable investment advice) and a duty of loyalty (to avoid or disclose conflicts of interest). We will act in good faith and with the care of a prudent professional, and will monitor your portfolio or advice as agreed. Importantly, Zealth will provide full and fair disclosure of all material facts and any conflicts of interest in our relationship. If any conflict of interest might incline us to give advice that is not disinterested, we will at minimum disclose that conflict to you in detail and obtain your informed consent, or eliminate the conflict.

No Disclaimer of Fiduciary Status: These Terms reflect Zealth’s fiduciary status. We do not disclaim or waive our fundamental obligations under applicable law. When you become a client, we are your adviser with fiduciary responsibilities, and all parts of this Agreement shall be interpreted in light of that fiduciary duty. In any cases of inconsistency, Zealth’s duties under federal and state securities laws will prevail.

3. SCOPE OF SERVICES

Services Provided: Zealth offers automated, internet-based investment advisory services through the Platform. Our services include analyzing your financial information and goals, providing recommended investment portfolios or financial plans, and related tools to help you manage your investments. The Platform may also include educational content or market data. However, when you input personal data and receive recommendations, those recommendations constitute individualized investment advice for you as our client, rather than general financial education. We do not provide comprehensive financial planning, legal, or tax advice as part of our standard services.

Client Profiling and Data Requirements: In order to generate personalized advice, Zealth will ask you to provide information about your finances and objectives ("Client Information"). You will typically be prompted to answer questions or fill in data regarding: your age, income, investment experience, risk tolerance, financial goals, time horizon, current assets and debts, and other relevant aspects of your financial profile. It is your responsibility to provide complete, truthful, and accurate information. Zealth will rely on the information you provide to formulate advice. We maintain your Client Information in confidence according to our Privacy Policy, and use it only as needed to provide our services.

How Recommendations are Generated: Zealth uses a proprietary algorithm and investment methodology to analyze your Client Information and construct investment recommendations. Financial planning recommendations are generated based on information provided by users and may include automated or algorithm-assisted analysis. The completeness and accuracy of recommendations depend on the accuracy and completeness of information provided by users. Based on your inputs, Zealth may suggest a target portfolio allocation tailored to your risk tolerance and goals.

Limitations of Automated Advice: You acknowledge and understand that any investment advice provided by Zealth depends on the information you supply. Our recommendations do not take into account any financial information or circumstances that you do not disclose to us. No algorithm or financial model can consider every aspect of an individual's life, nor predict future market movements with certainty. The advice you receive is meant to be a helpful tool for decision-making, not an absolute prediction or guarantee.

No Ongoing Discretion without Approval: Zealth’s services are typically provided on a non-discretionary basis, meaning we present you with recommended actions and you retain the final authority to implement or not. Zealth will not execute trades or make changes in your account without your consent.

All financial projections, graphs, scenario outputs, and planning estimates generated by the Platform are based solely on the information you provide and the assumptions built into our proprietary calculation engine. They are estimates only, not guarantees, of future performance or outcomes. Actual results will vary based on market conditions, tax law changes, personal circumstances, and factors outside the model. No output should be construed as a promise or prediction of future investment results

4. CLIENT RESPONSIBILITIES AND REPRESENTATIONS

To help us serve you and to maintain an effective relationship, you agree to the following responsibilities:

• Provide Accurate Information: You represent and warrant that all information you provide to Zealth is true, accurate, and complete to the best of your knowledge. You agree not to misrepresent your identity, financial situation, or any other facts to Zealth.

• Update Information Promptly: You agree to promptly update your profile or notify us if there are any material changes to your financial situation, goals, or personal circumstances. Zealth may periodically prompt you to review and confirm or update your information.

• Review Recommendations Before Acting: You agree to carefully review and consider any investment recommendations before deciding to act on them. You are responsible for evaluating whether you are comfortable with the recommendations. Ultimately, the investment decisions are yours to make.

• Use the Platform for Personal Purposes: You agree to use Zealth’s Platform for your own personal, non-commercial investment purposes. You will comply with all applicable laws and the terms of this Agreement in your use of our services.

• Evaluate Outside Considerations: Zealth’s advice is limited to the context you’ve provided. We encourage you to consider factors like your broader financial picture or consult with additional advisers for tax, legal, or other specialized advice if needed.

5. FEES, COMPENSATION, AND OTHER COSTS

Fees: Zealth is a professional investment adviser, and our services are provided for compensation. The specific advisory fee, or the formula by which it is calculated, applicable to your account will be set out in the fee schedule disclosed to you on the Platform or in a separate written fee disclosure provided to you at or before the time you enter into this Agreement, and forms part of this Agreement by reference. All fees will be clearly communicated to you in advance. As required under California Code of Regulations § 260.238(j), you are hereby informed that lower fees for comparable investment advisory services may be available from other sources.

Changes to Fees: Zealth reserves the right to adjust its fee structure in the future. Because fees are a material term of this advisory agreement, any increase in fees applicable to your account will require your prior affirmative written consent before taking effect. Zealth will provide you with written notice of any proposed fee change at least 30 days in advance, describing the new fee or formula, the effective date, and your right to terminate this Agreement without penalty if you do not agree to the change. For administrative fee adjustments that do not increase the rate charged to you (such as changes to billing frequency or payment method), Zealth will provide reasonable advance notice. If you do not agree to a fee change, you may terminate this Agreement pursuant to Section 12 without penalty.

Other Costs and Expenses: Zealth does not charge commissions on trades; we are compensated only by the fees you pay. However, you may incur third-party fees in the process of implementing our advice (e.g., brokerage transaction fees, fund expense ratios, custodian fees). Zealth does not receive any portion of those third-party fees.

No Performance-Based Fees: Zealth does not charge performance-based fees. All fees are charged as described in the fee schedule regardless of account performance.

Fee Refunds and Termination: If either you or Zealth terminates the relationship (see Section 12), any prepaid, unearned fees will be refunded to you on a pro-rata basis. If you terminate within five (5) business days of signing up (the "free look" period), you are entitled to a full refund of any fees paid to Zealth. See Section 12 for details.

6. ELIGIBILITY AND ACCESS TO THE PLATFORM

Legal Age and Capacity: The Zealth Platform is intended solely for use by individuals who are 18 years of age or older and who can form binding contracts under applicable law. Our Service is not intended for children under the age of 18, and we do not knowingly collect personal information from anyone under 18. By entering into this Agreement, you represent that you are at least 18 years old. If we learn that we have inadvertently collected personal data from a child under 18, we will take steps to delete that information promptly.

Residency and Geographic Restrictions: The Platform and our services are currently intended for residents of the United States. Zealth makes no representation that the services are appropriate or available for use in any locations outside the United States. Our Service is operated from and data is primarily stored in the United States.

Personal Use and Security: You agree that your Zealth account is for your personal use only. You are responsible for maintaining the confidentiality of your username, password, and any other security information. You agree to notify us immediately if you suspect any unauthorized access to or use of your account.

Prohibited Uses: You agree not to: (a) attempt to circumvent security measures or gain unauthorized access; (b) use the Platform to transmit viruses, malware, or harmful code; (c) reverse engineer or decompile any aspect of our software; (d) use the Platform for any unlawful, fraudulent, or malicious purpose; or (e) impersonate any person or entity or provide false information.

Account Deletion: You may request deletion of your account at any time via the account settings within the Platform. Deletion requests are subject to Zealth's data retention obligations under applicable securities laws and regulations.

7. PRIVACY AND DATA HANDLING

Notwithstanding anything to the contrary in this Agreement or in any privacy notice or policy referenced herein, Zealth’s collection, use, and disclosure of Client Information is governed first and foremost by Zealth’s fiduciary duties under applicable federal and state securities laws, including the California Financial Information Privacy Act (“CalFIPA”), California Corporations Code § 25234, and applicable California privacy standards for registered investment advisers that are consistent with the privacy principles of Regulation S-P under the Gramm-Leach-Bliley Act. Any privacy policy applies only to the extent it is consistent with those fiduciary and regulatory obligations. In the event of any inconsistency, Zealth’s fiduciary and regulatory obligations shall control.

Your privacy is very important to us. By using the Platform, you acknowledge that you have read and understood our Privacy Policy (available on our website at zealth.io), which explains how we collect, use, store, and protect your personal information. Our Privacy Policy is incorporated by reference into these Terms.

Form ADV Part 2A Brochure: Before or upon entering into this Agreement, Zealth has made available to you its current Form ADV Part 2A brochure (the “Brochure”), which contains important information about Zealth’s services, fees, business practices, conflicts of interest, and disciplinary history. The Brochure is publicly available at any time on the SEC’s Investment Adviser Public Disclosure website at https://adviserinfo.sec.gov/firm/summary/336569. You may also request a current copy at no charge by contacting us at support@zealth.io or by calling 855-269-3258. By accepting this Agreement, you confirm that you have been offered and had the opportunity to review the current Brochure prior to or at the time of signing, as required under California Code of Regulations § 260.235.4.

Use of Data: The personal and financial data you provide to Zealth will be used for the primary purpose of delivering our services to you. Zealth does not sell, rent, license, trade, transfer, monetize, or otherwise commercially exploit Client Information, whether for advertising, marketing, analytics unrelated to advisory services, or for the independent benefit of any third party. Client Information is used solely for purposes permitted under applicable securities laws and solely in furtherance of providing investment advisory services to you.

Zealth may disclose Client Information only to third-party service providers that perform services on Zealth’s behalf and solely as necessary to provide advisory services, comply with legal or regulatory requirements, or maintain the security and functionality of the Platform. All such service providers are contractually obligated to maintain the confidentiality of Client Information and to refrain from any independent use, disclosure, marketing, profiling, or monetization of Client Information.

Zealth may use Client Information in aggregated or de-identified form solely for purposes of operating, securing, maintaining, improving, and complying with its investment advisory services. Client Information is not used for cross-context behavioral advertising, third-party marketing, or data profiling unrelated to the provision of advisory services.

Confidentiality and Security: As an investment adviser, Zealth has regulatory and ethical obligations to keep your information confidential. We implement industry-standard security measures (such as encryption, secure servers, etc.) to protect your personal data from unauthorized access or disclosure.

Regulatory Privacy Notices: Zealth will provide you with any privacy notices required by law (for instance, initial and annual privacy notices describing how we handle non-public personal information, consistent with the requirements applicable to California-registered investment advisers and the privacy principles of applicable state and federal law). These notices will detail your rights and our obligations regarding your information.

Data Retention: Zealth retains personal information for as long as necessary to provide advisory services and as required under applicable securities laws, books-and-records rules, and regulatory obligations. Certain records must be retained for prescribed periods regardless of account closure. Financial records and data related to transactions may be kept for at least seven (7) years to meet accounting, tax, or regulatory requirements.

Client Communications: You agree that Zealth may contact you through the Platform, via email, or other contact information you provide, to send alerts, documents (such as Form ADV brochures, updates to this Agreement, transaction confirmations, statements, etc.), and other important communications. By agreeing to these Terms, you consent to electronic delivery of all communications.

Zealth’s obligations to protect the confidentiality and security of Client Information shall survive termination of this Agreement and the Client’s relationship with Zealth, in accordance with applicable securities laws and regulations.

Zealth uses third-party technical service providers including Firebase (authentication and data storage), Sentry (error monitoring), and PostHog (usage analytics) solely to operate and improve the Platform. These providers act as data processors on Zealth's behalf and are contractually prohibited from independent use of Client Information.

8. DISCLAIMERS. NO GUARANTEE OF INVESTMENT RESULTS

Investment Risk Acknowledgment: You understand and accept that all investments in securities involve risk, including the possible loss of principal. The value of your investments can go down as well as up, and you may not achieve your financial goals. Past performance is not indicative of future results. Zealth does not and cannot guarantee any particular investment outcome or profit.

No Warranty for Services: The Platform, and all information, content, and services provided by Zealth, are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Zealth disclaims any and all warranties (express or implied) not expressly set forth in this Agreement. We do not warrant that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components.

Not FDIC or Government Insured: Investments recommended by Zealth (or held in your account) are not bank deposits and are not insured by the FDIC or any other government agency. Investments may lose value.

Third-Party Content and Services: The Platform might integrate or present content or services from third parties. Zealth does not control or endorse third-party content, and we are not responsible for the accuracy or reliability of information provided by third parties.

9. LIMITATION OF LIABILITY

Limitation of Liability: To the fullest extent permitted by law, Zealth and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of (or inability to use) the Platform or our services.

Cap on Direct Damages: To the extent that liability is not otherwise excluded or limited, our aggregate liability to you for any and all claims arising from this Agreement or your use of the service shall not exceed the total amount of fees you paid to Zealth in the twelve (12) months immediately preceding the event giving rise to the claim.

No Liability for Investment Losses: You understand that investing involves risk and that you may lose money following Zealth’s advice. Zealth is not liable for any losses in your investment accounts or portfolios, except to the extent such losses are directly caused by Zealth’s breach of its fiduciary duty or applicable law. Nothing in this Agreement waives any of your rights under federal or state securities laws.

No Waiver of Fiduciary Duty: We are not limiting our liability for our own breach of duty. Under applicable law, an adviser cannot contract away its fiduciary duty. This Section 9 is not intended to relieve us from accountability for negligence, willful misconduct, or violations of the law.

10. DISPUTE RESOLUTION. ARBITRATION AND WAIVERS

Please read this section carefully, as it affects your legal rights. This Agreement requires individual arbitration of most disputes and includes a class action waiver.

Arbitration Agreement: You and Zealth agree that any dispute, claim, or controversy arising out of or relating to this Agreement or the services provided by Zealth shall be resolved through binding arbitration on an individual (not class) basis. The arbitration will be conducted pursuant to the rules of JAMS or the American Arbitration Association (AAA), as mutually agreed.

Costs: Each party will bear its own attorneys’ fees and costs in the arbitration, and you and Zealth will split the arbitrator’s fees and any administrative fees of the arbitration forum equally, unless the arbitration rules or applicable law require otherwise.

Class Action Waiver: You and Zealth agree that any dispute resolution will be conducted only on an individual basis and not in a class, consolidated, or representative action. If this class action waiver is found to be unenforceable in its entirety, then the arbitration provision shall be null and void.

Opt-Out Right: If you do not wish to be bound by this arbitration provision, you may opt out by sending a written notice to Zealth at support@zealth.io within 30 days of first accepting this Agreement, stating that you opt out of the arbitration agreement. The notice must include your name, address, and account email.

11. GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the State of California, USA, without giving effect to any conflict of law principles. By using the Platform, you consent to the application of California law in all matters relating to your use of the services and this Agreement.

Please note that the advisory services we provide are subject to U.S. federal securities laws (such as the Investment Advisers Act of 1940) and applicable state regulations, which will govern in the event of any inconsistency with other provisions. If you have unresolved complaints, you can contact the California Department of Financial Protection and Innovation (DFPI) or other applicable securities regulator.

12. AMENDMENTS AND TERMINATION OF AGREEMENT

Amendments/Changes to Terms: Zealth may update or modify this Agreement from time to time. If we make material changes, we will notify you by posting the revised Terms on the Platform and/or by sending you notice via email or the Platform’s messaging system. By continuing to use the Platform or our services after the new Terms become effective, you agree to be bound by the revised Terms.

Termination by Client: You have the right to terminate this Agreement and your relationship with Zealth at any time, for any reason, by giving written or electronic notice to Zealth (e.g., via account settings or by emailing our support). Upon termination, any unearned prepaid fees will be refunded on a pro-rata basis.

Termination by Zealth: Zealth may terminate this Agreement or suspend services to you at any time for any reason, including if you violate these Terms or if your account remains inactive for an extended period. We will provide notice of termination to you via the last email address on file.

Five-Day Cancellation (No-Penalty Clause): If you are a new client, you have a right to terminate this Agreement without penalty within five (5) business days after entering into it. If you exercise this right, we will refund any fees you have paid to Zealth. To use this right, you must notify us in writing (an email is acceptable) within the five-business-day window.

Former Clients: Even if we cease to provide you with financial services, our Privacy Policy will continue to apply to you, and we will continue to treat your nonpublic personal information with strict confidentiality. We maintain all records regarding former clients for the retention period required by law.

Surviving Provisions: Termination will not affect provisions which by their nature are intended to survive, including the Arbitration clause, Limitation of Liability, governing law, and any provisions regarding outstanding fees or the handling of confidential information.

13. OTHER IMPORTANT TERMS

Entire Agreement: This Agreement (including the incorporated Privacy Policy) constitutes the entire agreement between you and Zealth regarding the use of our Platform and services. It supersedes any prior agreements, understandings, or arrangements relating to the subject matter.

Severability: If any provision of this Agreement is held to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

No Waiver: Zealth’s failure or delay to enforce any term or condition will not be considered a waiver of our right to do so later. All waivers must be in writing to be effective.

Assignment: You may not assign or transfer this Agreement without Zealth’s prior written consent. This Agreement will not be assigned by Zealth without the prior affirmative written consent of the Client, as required under California Code of Regulations § 260.238(n). In the event of a proposed assignment to an affiliate or successor entity (such as in connection with a merger, acquisition, or sale of substantially all assets), Zealth will: (a) provide you with written notice at least 30 days in advance of the proposed assignment, describing the successor entity and the nature of the transaction; (b) seek your prior affirmative written consent before the assignment takes effect; and (c) ensure the successor entity expressly assumes all of Zealth’s fiduciary and contractual obligations under this Agreement. If you do not provide affirmative written consent, the assignment will not proceed as to your account. You retain the right to terminate this Agreement pursuant to Section 12 at any time, including during any notice period, without penalty and without owing any termination fee.

Intellectual Property: All content, trademarks, logos, and software on the Platform are owned by or licensed to Zealth and are protected by intellectual property laws. Zealth grants you a limited, revocable, non-exclusive, non-transferable license to use the Platform for your personal use only.

Notices: Zealth may provide notices to you by email, through the Platform, or by postal mail. You are responsible for maintaining a valid email address and updating it if it changes. If you need to send a notice to Zealth, you must send it in writing to our business address (Attn: Legal/Compliance) or via email to support@zealth.io.

Customer Support and Complaints: If you have any questions, concerns, or complaints regarding our services, please contact our customer support via email at support@zealth.io or by phone at 855-269-3258. We are registered with the California DFPI; if you have any unresolved complaints, you can contact the DFPI or the applicable state securities regulator. We encourage you to first work with us informally to resolve any issues.

Precedence: In the event of any inconsistency between these Terms and Conditions and any privacy policy or notice referenced herein, these Terms and Zealth’s fiduciary obligations under applicable securities laws shall govern.

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By using Zealth’s services, you confirm that you have read this entire Agreement carefully, that you understand the terms and conditions, and that you agree to comply with and be bound by all of the above. We thank you for choosing Zealth as your investment adviser and look forward to helping you work towards your financial goals under these Terms and Conditions.

Contact Information:

Chief Compliance Officer: Gabriel Shahin
Email: support@zealth.io
Phone: 855-269-3258
Website: zealth.io