SAM | PREP
for the cpa
SAM | PRO
for the professional
Personal Financial Plan
Terms of Service
Our goal is to provide you with a personalized money management solution for a better financial life. Our services (“Services”) are comprised of the following features, delivered to you through our own advisors, marketing partners, and through communications with our professionals, as follows:
Financial account aggregation
We offer financial account aggregation, where SAM Technology, acting as your authorized agent, will retrieve your financial account information, such as your account balances, transactions and holdings, from financial institutions you designate. Financial account aggregation is an optional Service you may utilize by providing financial account credentials, allowing us to securely connect with third party financial institutions, to present your financial information. Our account aggregation Services are regularly refreshed, effortlessly providing you with up-to-date financial account information.
Your financial account information, collected through account aggregation or manual account information you provide, is used to display your consolidated financial picture. Financial visualizations include various charts, detailed transactional data and other financial account data that we present to you, summarizing your financial life at a glance.
Your financial account information, along with optional personal and financial information you may provide, are used to generate financial insights. We utilize your aggregated account data, along with stated assumptions or information you provide, to share important financial observations that can make you aware of your overall financial picture and opportunities to improve it.
You may be eligible to receive a free financial consultation from a licensed financial advisor. The consultation is optional for eligible clients or through our marketing partners, offered via solicitation from one of our professionals. A financial consultation is a personalized analysis of your financial situation, based on information gathered from your use of our Dashboard or interactively with a licensed advisor, to make you aware of potential risks and opportunities within your current financial situation. Your participation in this Service may result in an offer to receive our wealth management services, separate from the free financial consultation Service itself. We refer to those who enroll in our wealth management service as “Clients”.
By accessing or using any of our Services, you understand and agree to be bound by the terms and conditions of this Agreement and the Privacy & Security Statement as they may be amended from time to time in the future. If you do not agree to this Agreement, then you may not use the Services. You also agree that:
- You are able to enter into legally binding contracts, and you agree that this Agreement legally binds you in the same manner that a signed, written, paper contract does. You may not use SAM Technology Services in any manner if you are not willing to be bound and abide by this Agreement.
- WE ARE NOT RESPONSIBLE FOR THE FINANCIAL OR OTHER PRODUCTS AND SERVICES OR FOR THE ACCURACY OF THE DATA OBTAINED FROM THIRD-PARTY SITES THAT ARE DISPLAYED OR REPORTED THROUGH OUR THE DASHBOARD OR ANY OF OUR SERVICES.
- We reserve the right to change or modify this Agreement or our Privacy & Security Statement, or modify or discontinue any portion of the Services or features and functionality, from time to time. If we decide to change this Agreement or our Privacy & Security Statement, we will post such changes on our website, and such changes will be effective at such time. We reserve the right to modify or temporarily discontinue any Service, with or without prior notice to you. You agree that we shall not be liable to you or any third party for any modification of our Services, this Agreement, or your access to our Services.
- Our Services are intended to be accessed and used only by individuals that have reached the legal age of majority in the jurisdiction where they are located, which may be 18 years or older, depending on the jurisdiction. You may not use any of our Services unless you have reached the legal age of majority in the jurisdiction where you are located.
By accessing and using the financial aggregation Service, you expressly authorize and direct SAM Technology, on your behalf, to electronically retrieve your account information maintained by third-party financial institutions with which you have a legally binding customer relationship (“Account Information”). Subject to our privacy procedures as described in the Privacy & Security Statement, SAM Technology may work with one or more third party financial service technology providers to access and retrieve your Account Information.
FOR PURPOSES OF THIS AGREEMENT AND SOLELY TO OBTAIN AND PROVIDE THE ACCOUNT INFORMATION TO YOU AS PART OF THE SERVICES, YOU GRANT SAM TECHNOLOGY A LIMITED POWER OF ATTORNEY, AND APPOINT SAM TECHNOLOGY AS YOUR ATTORNEY-IN-FACT AND AGENT, WITH FULL POWER OF SUBSTITUTION AND RE-SUBSTITUTION, FOR YOU AND IN YOUR NAME, PLACE AND STEAD, IN ANY AND ALL CAPACITIES, TO ACCESS THIRD PARTY SITES, SERVERS OR DOCUMENTS, RETRIEVE INFORMATION AND USE YOUR INFORMATION WITH THE FULL POWER AND AUTHORITY TO DO AND PERFORM EACH AND EVERY ACT AND THING REQUISITE AND NECESSARY TO BE DONE IN CONNECTION WITH SUCH ACTIVITIES, AS FULLY TO ALL INTENTS AND PURPOSES AS YOU COULD DO IN PERSON.
YOU ACKNOWLEDGE AND AGREE THAT WHEN SAM TECHNOLOGY IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, SAM TECHNOLOGY IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF ANY THIRD PARTY. YOU AGREE THAT THIRD PARTY ACCOUNT PROVIDERS SHALL BE ENTITLED TO RELY ON THE FOREGOING AUTHORIZATION, AGENCY AND POWER OF ATTORNEY GRANTED BY YOU. You understand that the Services are not endorsed or sponsored by any third party account providers accessible through the Services.
The overall integrity and quality of the data presented by SAM Technology to you is an important element in providing you with a high quality and accurate picture of your personal finances. SAM Technology, however, is not responsible for and cannot guarantee the accuracy or timeliness of Account Information we retrieve on your behalf directly, from third party technology providers, from third party financial institutions where your accounts are held, or from third party research/market data providers used to provide the Services.
SAM Technology may not be able foresee or anticipate technical or other difficulties which may result in failure to obtain data, personalization settings or other service interruptions. SAM Technology assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications or personalization settings. SAM Technology encourages you to periodically confirm the valuation or execution price of particular investments through independent sources, such as an investment adviser, broker-dealer or other financial institution.
The Agreement and any other documents referred to herein, represents the entire understanding between both you and us regarding the Services (as defined herein) and the subject matter hereof and supersedes any prior statements or representations. In the event of a conflict between the terms of this Agreement and the terms of an exhibit, amendment, schedule, addendum or disclosure, the terms of the exhibit, amendment, schedule, addendum or disclosure shall prevail but, solely as to the subject matter herein.