Terms of Service

1. Service Description

Sequa is an educational financial analysis tool that helps you organize and prioritize your financial goals. Sequa generates a "Priority Stack" — an AI-generated, ranked list of financial actions based on general financial principles applied to the numbers you provide.

2. Not Financial Advice — Important Disclaimer

All output from Sequa — including the Priority Stack, AI coaching responses, and any analysis — is provided for educational and informational purposes only. These are suggestions based on general financial principles, not personalized professional advice.

The Priority Stack represents one possible ordering of financial actions. It is based on the information you provide and general rules of thumb (e.g., paying high-interest debt before low-interest debt). Your individual circumstances — including health, family situation, employment stability, tax implications, and risk tolerance — may warrant a different approach.

3. No Fiduciary Relationship

Use of Sequa does not create a fiduciary relationship, advisory relationship, or professional-client relationship of any kind between you and Sequa. We owe you no duty of care, loyalty, or suitability beyond providing the software as described.

4. Your Responsibility

You are solely responsible for your financial decisions. Before making significant financial changes — including but not limited to investment decisions, debt payoff strategies, retirement planning, insurance changes, or tax-related actions — you should consult with a qualified, licensed financial professional who can evaluate your complete situation.

You are responsible for the accuracy of the information you provide to Sequa. The quality of Sequa's suggestions depends directly on the accuracy of your inputs.

5. Limitation of Liability

To the maximum extent permitted by applicable law, Sequa and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the service, including but not limited to financial losses resulting from actions taken based on Sequa's suggestions.

Sequa is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or accuracy of AI-generated analysis.

6. AI-Generated Content

Sequa uses artificial intelligence (Anthropic's Claude) to generate analysis and suggestions. AI-generated content may contain errors, omissions, or inaccuracies. AI output should be treated as a starting point for your own research, not as a definitive answer. We do not guarantee the accuracy, completeness, or suitability of any AI-generated content.

7. Data and Privacy

Your use of Sequa is also governed by our Privacy Policy, which describes how we handle your data. By using Sequa, you acknowledge that you have read and understood our Privacy Policy.

8. Eligibility

You must be at least 18 years old to use Sequa. By using Sequa, you represent and warrant that you are at least 18 years of age. If you are under 18, you may not use Sequa for any purpose.

9. Investment Advice Boundary

Sequa may reference tax-advantaged accounts (such as 401(k), Roth IRA, HSA) or general financial strategies (such as debt payoff ordering). These references are general educational guidance based on widely available financial principles — they are not specific investment recommendations, tax advice, or insurance advice.

You are solely responsible for choosing specific investments within any account, determining tax implications for your situation, and evaluating whether any strategy is appropriate for your circumstances. Always consult a licensed professional for personalized advice.

10. Acceptable Use

You agree to use Sequa for lawful, personal financial organization purposes only. You may not use Sequa to provide financial advice to others, resell access, or attempt to reverse-engineer the AI prompts or algorithms.

11. Subscription and Billing

Free plan features are available without an account or payment. Pro requires a subscription managed through Stripe. You may cancel at any time from your account settings or the Stripe billing portal. Cancellation takes effect at the end of the current billing period.

Free trial: New Pro subscriptions include a 7-day free trial. You will not be charged during the trial period. If you cancel before the trial ends, you will not be billed. After the trial, your selected plan (monthly or annual) will be charged automatically.

Promotional pricing: From time to time, Sequa may offer promotional discounts (e.g., early bird pricing for founding members). The terms and duration of any promotion will be displayed at checkout. Promotional rates are applied by Stripe and reflected on your invoice.

Refund policy: Annual plans are eligible for a full refund within 30 days of purchase. Monthly plans may be cancelled at any time but are not refundable for the current billing period. To request a refund, contact billing@getsequa.com.

12. Indemnification

You agree to indemnify, defend, and hold harmless Sequa and its operators from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the service, your violation of these terms, or your violation of any rights of a third party.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the state or federal courts located in Delaware.

14. Dispute Resolution

Any dispute arising from or relating to these Terms or your use of Sequa shall first be attempted to be resolved through informal negotiation. If the dispute is not resolved within 30 days, either party may submit the dispute to binding arbitration under the rules of the American Arbitration Association. Nothing in this section prevents either party from seeking injunctive relief in a court of competent jurisdiction.

15. Changes to Terms

We may update these terms from time to time. Material changes will be communicated via the app. Continued use after changes constitutes acceptance of the updated terms.

16. Contact

Questions about these terms? Email us at legal@getsequa.com.