The website terms. Short, because the real contract is the order form.
These terms cover the public website, the sample book and the free sealed proof of a foundation’s filed 990-PF. Access to the portal, to the Filing Record and the Foundation Record, and to a family’s or foundation’s own data is governed by the order form it signs, or by the agreement its preparer firm signs, and any NDA. Those take precedence.
Who you are dealing with
ParetoAlpha, Inc. (“ParetoAlpha”, “we”). Contact: info@paretoalphasystems.com.
What is fictional, and what is not
The sample book, the Barlow family, and every number the public demo computes are fictional, constructed to show how the frameworks work. Not a real family, not a forecast, not a recommendation. A sealed 990-PF proof and the 990-PF study are different. They re-do the arithmetic of a return as the IRS published it and say only what the return says. The frameworks run on your own data only after onboarding.
Not advice
ParetoAlpha computes and displays facts from data. It does not provide investment, legal, tax or accounting advice, and nothing on this website or in the portal should be read as any of those. Decisions remain with you and your advisers, counsel and accountants. We are not a registered investment adviser, broker-dealer, law firm or accounting firm.
Using the website
You may browse, run the sample book, seal the proof of a foundation’s filed 990-PF, and ask to be contacted. You may not scrape the site, probe or overload the public endpoints, attempt to reach another family’s data, or use the site to send unsolicited messages. Public endpoints are rate-limited; if you hit a limit, wait or email us. The content, the framework names, the question library and the design are ours or licensed to us; quoting a reasonable extract with attribution is fine, copying a page is not.
What you may do with what it computes
Answers, tables, proofs and board packs (“outputs”) are licensed to the family that receives them for its own governance and for its trustees, advisers, accountants and counsel. The family’s data, and the record of what it chose and decided, are the family’s. The methods that produce the outputs are ours: the frameworks, the question library, the calculation kernel, the assumption registry, the structure and sequence of the pack, and the wording that explains a result. They are trade secrets and copyright works whether or not they appear on a printed page.
You may not use outputs, method descriptions or the structure of a pack to build, train or fine-tune a product or model that competes with the service, whether by hand or through an AI tool, or to offer the service’s outputs to others as your own; extract outputs systematically or by automation; remove or alter an export id, proof hash or notice; or circulate a pack beyond the family and the people named above. Every export carries an id and is written to the family’s audit log with who took it; automated bulk extraction of the service’s outputs is refused and recorded. These restrictions survive cancellation and termination. They do not reach the published seal format (/standard, CC BY 4.0), which anyone may implement, or any tool used to verify a seal. Nothing in this section limits the family’s export or disclosure of its own records and seals, including to beneficiaries, auditors, courts or regulators, or as law requires, and nothing in it stops a family, its advisers or its procurement from evaluating, testing or comparing the service with any other product, including by showing an output to another vendor for that purpose.
On termination the family receives its ledger: policy values with their history and approvals, decisions, and the proofs they reference, in a documented format. Packs already delivered remain usable for the family’s own records under the same restrictions. Proofs remain verifiable at /verify. The order form restates these terms and controls if there is any difference.
Requesting access
Sending the form is a request, not a contract. We decide whom to onboard, one family or foundation at a time, and reply within two business days. If we proceed, the order form and NDA set the price, the term, the guarantee and every other commercial term. The prices on the pricing page are the prices in the order form unless the order form says otherwise; nothing is charged through the website.
The guarantee
The three guarantees in this section belong to the family bands. They do not apply to the Filing Record or the Foundation Record, whose terms are the published price and the order form or firm agreement.
“Live in thirty days or the setup fee comes back.” means what the offer page says: if any of the five frameworks has not returned a sealed answer on the family’s own book by day 30 counted from the upload of its entity list, and the family has completed the four steps that are its own, the setup fee is refunded in full. The family decides whether the test was met. Where the frameworks are live, the setup fee is credited against the family’s first annual platform invoice, up to $5,000; a Premium setup is credited the same amount.
“Three times the fee, measured on your book by day thirty, or the first quarter you are billed is free.” means: if the idle-cash drag computed by IGNITION at the family’s own hurdle rate, the after-fee manager shortfall computed by BEDROCK against each manager’s stated benchmark, and the entity overhead computed by SIGNAL, taken together on day 30, total less than 3 times the family’s first-year platform fee at its band, the first quarter of platform fees the family is billed is waived (for a founding seat, days 91 to 180, the first ninety days being free already). The computation uses the family’s own policy figures and connected accounts; it is a measurement, not a projection, and does not imply that any amount will be recovered.
“Tied out every morning, from the first morning it runs.” means: for each legal entity with Sage Intacct, Bill.com and Addepar connected, the platform ties the three out to each other every night and records the result. If a business morning passes without that tie-out on record for a connected entity, and the cause is ours rather than a vendor outage shown in the sync log, that month of platform fees for the family is free. A tie-out that runs and reports a break is on record; the guarantee covers the tie-out happening, not the books agreeing. The order form restates all three guarantees and controls if there is any difference.
Privacy
How we handle information about you is in the privacy policy, which is part of these terms.
Warranties and liability
The website and sample book are provided as they are. We do our best to keep them accurate and available and make no promise that they will be. To the extent the law allows, ParetoAlpha is not liable for any loss arising from use of the public website or sample book. Liability in respect of the portal and a family’s data is set out in the order form.
Law
These website terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law rules. The order form specifies the law and forum for the pilot and platform.
Changes
When these terms change, the effective date at the top changes with them.