Effective Date: March 29, 2026
Last Updated: October 5, 2026
FREDvested LLC, a Maryland Limited Liability Company
The FREDvested website (located at fredvested.com) (the “Site”) and the FREDvested mobile application (the "App" and, together with the Site, the "Platform") is comprised of various web pages operated by FREDvested LLC (“we”, “our” or “us”).
Please read these Terms of Use (“Terms of Use”) carefully, as they constitute legally binding terms and conditions for your use of the Platform. These Terms of Use apply to all users of the Platform (“you” or “your”). By accessing and/or using the Site and/or downloading and/or using the App, you expressly understand, acknowledge and agree to comply with these Terms of Use.
These Terms of Use apply whether you access the Platform by way of a wireless or mobile device, a personal computer or any other technology or device (each, a “Device”). Any additional terms and conditions that we may provide to you in connection with your use of or access to the Platform, including those related to other technology, products and services that we may offer or make available to you, are hereby incorporated into these Terms of Use by reference as though fully set forth herein.
Our website and mobile application are directed to individuals who are over 18 years of age. By using the Platform, you represent and warrant that you are of legal age to form a binding contract related to your use of the Platform, reside in a jurisdiction in which we offer the applicable services, and will provide complete and accurate information. Our services are not offered where prohibited by law.
We hereby grant you a nonexclusive license to use the Platform, provided you comply with the restrictions set forth in these Terms of Use.
Certain services – including the retirement calculator, educational content, product descriptions, waitlists, illustrations, and other public-facing tools – may be available without an advisory relationship. These materials are general and informational only unless expressly identified otherwise in a written advisory agreement.
Investment-advisory services are currently not available. When investment-advisory services are available, investment-advisory services will only be provided to clients whose accounts have been accepted by us, who have completed required onboarding and account documentation, and who have entered into an advisory agreement or otherwise provided legally effective consent to the applicable advisory terms. When available, investment-advisory services may include discretionary automated portfolio management provided exclusively through the Platform. Clients will select a target retirement income and a model portfolio of exchange-traded funds, either a default model or a custom allocation built from exchange-traded funds available on the Platform. We invest the client's recurring contributions from their linked bank account into that portfolio and automatically rebalance it to its target allocation on a disclosed schedule, without per-trade approval, under written discretionary authorization contained in a written advisory agreement.
We are not currently offering investment-advisory services through the Platform. We intend to apply for registration as an investment adviser. No statement in the Terms of Use is an assertion that any registration is defective, that advisory services are currently available, or that the SEC has endorsed, approved, recommended, or evaluated us, our personnel, our services, or any investment strategy.
Unless expressly disclosed in writing, we are not acting as a broker-dealer, bank, custodian, tax adviser, accountant, attorney, insurance provider, or plan fiduciary.
The retirement-timeline calculator and any related output, including any account-balance illustration, scenario-progress visualization, retirement-age estimate, or label such as "Freedom Date", are hypothetical planning illustrations based on the information entered and assumptions shown. They are not individualized investment advice unless and until we are offering investment-advisory services and we have accepted you as an advisory client and expressly provide advice under an advisory agreement. Calculator outputs do not predict, guarantee, or represent actual or expected investment performance, retirement readiness, financial independence, future account values, a date on which you can leave work, or any other financial outcome. Actual results may be lower, higher, or negative and will vary materially over time. Calculator outputs depend on assumptions and inputs that may include current age, current assets, contributions, retirement spending, inflation, investment return, taxes, fees, expenses, withdrawals, and time horizon. Unless expressly stated otherwise, the calculator does not fully account for all personal circumstances or market conditions, including market volatility, losses, drawdowns, sequence-of-returns risk, changes in contributions or expenses, healthcare costs, longevity, taxes, and changes in law.
The calculator does not recommend that you buy, sell, hold, transfer, roll over, rebalance, or allocate assets to any particular security, fund, account, portfolio, or investment strategy. You should not make investment decisions solely from calculator results.
Our use of the term "Freedom Date" is meant to be an illustrative, hypothetical planning estimate generated from the shown assumptions. It does not mean that you will achieve financial independence, retire, leave employment, or obtain a particular investment result by that date.
If we offer a founding-member promotional price, including an offer described as "$99 one-time for the lifetime of the account holder while this service remains available," the offer applies only as follows:
We will not increase a qualifying founding-member fee except as permitted by the expressly disclosed promotional terms, the advisory agreement, or applicable law. Any new or materially changed fee for a service not covered by the founding-member offer will require disclosure and any consent required by law or contract.
Our fees are not contingent on you reaching a hypothetical retirement date, achieving financial independence, receiving a particular return, or obtaining any other modeled or investment outcome, unless separately agreed in a manner permitted by applicable law.
Cancellation, prorated refunds, credits, and fee treatment upon termination are governed by our Refund and Cancellation Policy.
Investing involves risk, including possible loss of principal. Past performance, model results, hypothetical results, and calculator outputs do not guarantee future results.
Diversification, asset allocation, automated rebalancing, recurring investing, and long-term investment approaches do not assure a profit or protect against loss in declining markets.
We do not guarantee tax outcomes, account eligibility, retirement readiness, financial independence, employer-plan outcomes, or any particular withdrawal, contribution, investment, or employment decision.
Our services may rely on third parties. We do not control these parties or guarantee uninterrupted availability, accuracy, speed, or security of their services.
Any model portfolio, sample allocation, sample account balance, or investment-methodology description displayed is a general illustration unless expressly incorporated into an accepted advisory mandate. It is not a recommendation for every user or an assurance that any account will hold those investments or obtain a stated result.
Any comparison with another service provider is based on publicly available information as of the stated date and is intended to describe defined product features, service processes, or published pricing. Features, service tiers, account minimums, and pricing may change. We do not represent that another provider is unsuitable or that our services will produce superior investment performance, execution quality, retirement outcomes, or financial results.
You agree not to use the Platform for any unlawful purpose or in any way that could damage the Platform or our business. Without limiting the foregoing, you agree not to use the Platform:
We may prevent or prohibit you from accessing the Platform if we determine, in our sole discretion, that you have violated these user restrictions or the Terms of Use. We reserve the right to investigate and take appropriate legal action against anyone who we determine, in our sole discretion, is violating or may be violating this Section 19, including, without limitation, reporting you to law enforcement authorities. Further, you acknowledge, consent and agree that we may access, preserve and disclose any information based on our good faith belief that such access, preservation or disclosure is reasonably necessary (a) to comply with any legal process; (b) to enforce these Terms of Use; (c) to respond to claims that any content or information violates the rights of a third party; (d) to respond to your requests for customer or technical service; or (e) to protect our rights or property or the rights, property or personal safety of our employees and agents, our users, or any third parties.
You understand and agree that you have no ownership or other rights to the Platform or the materials and features therein. We reserve the right, at our sole discretion, to terminate your access to the Platform and the related services or any portion thereof at any time, without notice. We will not be liable if for any reason all or any part of the Platform is unavailable at any time or for any period.
As used in these Terms of Use, “User Data” means all records, data, materials and other information, and derivatives of any thereof, that are provided by you to us, including through uploading or transmission to the Platform. You will retain ownership of all User Data; provided that you hereby grant us an irrevocable, non-exclusive, sub-licensable (solely to our hosting, connectivity, telecommunications, and other third-party service providers, to the extent applicable), worldwide, royalty-free license, for as long as we conduct our business, to use, copy, reproduce, transfer, store, process, publish, distribute and edit such User Data (i) to provide services in accordance with these Terms of Use; (ii) to compile aggregated statistics, reports and research for internal or marketing use and for development and/or evaluation of existing and/or additional or modified services, features and functionality with respect to the Platform and our services; (iii) to assist us with our performance of other services; and (iv) to disclose User Data to the extent required by applicable law or by an order of a court or other governmental authority. By uploading or providing User Data through the Platform, you represent and warrant to us that you have all necessary rights and licenses to do so. You are solely responsible and liable for your User Data.
We use industry-standard practices to protect your data, but no system can be completely secure. Accordingly, to the fullest extent permitted under applicable law, we do not accept responsibility for the security of your User Data. You agree that your use of the Platform is at your own risk, and you acknowledge that you provide all User Data at your own risk.
For information about how we collect, use, and share your personal information, please review our Privacy Policy, available at fredvested.com/privacy. By using the Platform, you consent to our use of your personal information in accordance with this policy.
The Platform may contain links to other websites (“Linked Sites”). Linked Sites are not under our control, and we are not responsible for the contents of any Linked Sites, including without limitation, any link contained in such Linked Sites or any changes or updates to such Linked Sites. We are not responsible for webcasting or any other form of transmission received from any Linked Sites. Information you submit to any Linked Site that is accessible from this Platform is subject to the terms of the Linked Site’s privacy policies. We are providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by us of any Linked Site or any association with its operators.
As used in these Terms of Use, “Intellectual Property” means all proprietary and intellectual property rights related to the Platform, including but not limited to copyrights (including moral rights, where applicable), patents, designs, trademarks, and all applications therefor, whether or not registered or capable of being registered, inventions, know-how, trade secrets, confidential or proprietary information, data and databases, algorithms, methods, processes, software, materials, drawings, flow charts, layouts, designs, look and feel, techniques, source code and object code, all modifications, updates, and enhancements and derivative works thereof, all documentation and manuals related thereto, and all other aspects of, and all rights corresponding to, the foregoing; provided that Intellectual Property does not include User Data. You understand and acknowledge that, other than the right to use the Platform as provided herein, these Terms of Use do not convey any right, title or interest in or to our Intellectual Property, and you may not copy, modify, or distribute our Intellectual Property without our permission. Any updates, upgrades, improvements, modifications, adaptations, derivatives or enhancements made to the Platform or any of our Intellectual Property, or any other work that includes, contains, substitutes, emulates, exposes the functionalities of, or incorporates all or any part of the Platform, shall be solely owned by us whether made by you, by us or jointly by you and us.
The provider of data access for your Device (e.g., network operator or wireless carrier) may charge you data access fees in connection with your use of the Platform. Under no circumstances will we be responsible for any such data access fees or charges incurred by you (or any person that has access to your Device, telephone number, email address, or other similar information). The Platform may not work with all wireless carriers, networks, platforms, services, browsers, or Devices.
THE PLATFORM IS MADE AVAILABLE ON AN “AS IS”, “AS AVAILABLE” AND “WITH ALL FAULTS” BASIS, WITHOUT ANY REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, OR ANY GUARANTY OR ASSURANCE THAT THE PLATFORM WILL BE AVAILABLE FOR USE, OR THAT SERVICES, PRODUCTS, FEATURES, FUNCTIONS, OR OPERATIONS WILL BE AVAILABLE OR PERFORM AS DESCRIBED. WITHOUT LIMITING THE FOREGOING, WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY MALICIOUS CODE, DELAYS, INACCURACIES, ERRORS, OR OMISSIONS ARISING OUT OF YOUR USE OF THE PLATFORM. YOU UNDERSTAND, ACKNOWLEDGE AND AGREE THAT YOU ARE ASSUMING THE ENTIRE RISK AS TO THE QUALITY, ACCURACY, PERFORMANCE, TIMELINESS, ADEQUACY, COMPLETENESS, CORRECTNESS, AUTHENTICITY, SECURITY AND VALIDITY OF ANY AND ALL FEATURES AND FUNCTIONS OF THE PLATFORM. INFORMATION PROVIDED THROUGH THE PLATFORM SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS EXCEPT IN CONSULTATION WITH AN APPROPRIATE PROFESSIONAL.
YOU UNDERSTAND AND AGREE THAT, TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE, OUR AFFILIATES, SUCCESSORS AND ASSIGNS, AND OUR AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND REPRESENTATIVES (COLLECTIVELY, “EXCULPATED PARTIES”) SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE, OF ANY KIND, DIRECT OR INDIRECT, IN CONNECTION WITH OR ARISING FROM YOUR USE OF THE PLATFORM OR FROM THESE TERMS OF USE, INCLUDING, WITHOUT LIMITATION, COMPENSATORY, CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL OR PUNITIVE DAMAGES. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE PLATFORM, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE PLATFORM.
SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF CERTAIN WARRANTIES OR CERTAIN LIMITATIONS ON DAMAGES AND REMEDIES. ACCORDINGLY, SOME OF THE EXCLUSIONS AND LIMITATIONS DESCRIBED IN THESE TERMS OF USE MAY NOT APPLY TO YOU. IF THE LIMITATIONS AND EXCLUSIONS ON LIABILITY CONTAINED HEREIN ARE NOT PERMITTED IN YOUR JURISDICTION, THEN THE EXCULPATED PARTIES’ LIABILITY SHALL BE LIMITED AND EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW.
You agree to defend, indemnify and hold the Exculpated Parties harmless from any and all claims, liabilities, damages, losses, costs and expenses (including reasonable attorneys’ fees), arising in any way out of or in connection with (a) your use of the Platform, or (b) your breach or violation these Terms of Use. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and all negotiation for its settlement or compromise (as applicable), and in each such case, you agree to fully cooperate with us upon our request.
We may modify these Terms of Use from time to time, and at any time, without notice to you, for any reason, in our sole discretion. Once we post or make them available on the Platform, the changes become effective immediately, and if you use the Platform after the changes become effective, it will signify your agreement to be bound by the changes. We recommend that you check back frequently to review these Terms of Use so that you are aware of the most current terms and conditions that apply to you.
The owner of the Platform is based in the State of Maryland in the United States. We provide this Platform for use only by persons located in the United States. We make no claims that the Platform or any of its content is accessible or appropriate outside of the United States. Access to the Platform may not be legal by certain persons or in certain countries. If you access the Platform from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
These Terms of Use and your use of the Platform are governed by, and shall be construed and enforced in accordance with, the laws of the State of Maryland applicable to contracts made, executed and wholly performed in Maryland. You hereby submit to the exclusive jurisdiction and venue of the state and federal Courts sitting in Montgomery County, Maryland, for all disputes arising in connection herewith, and agree that you will not object to such jurisdiction or venue on the grounds of lack of personal jurisdiction, forum non conveniens or otherwise.
Except as provided below, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms of Use will be resolved by binding individual arbitration rather than in court. This agreement is governed by the Federal Arbitration Act and, to the extent applicable, Maryland law. Arbitration changes the forum for resolving a dispute; it does not waive, limit, or eliminate substantive rights or remedies available under applicable federal or state law, including federal and state securities laws. Nothing in this provision prevents you from filing a complaint with, communicating with, or participating in an investigation or proceeding conducted by the U.S. Securities and Exchange Commission, the Maryland Securities Commissioner, another governmental or regulatory authority, or a self-regulatory organization. The arbitration will be administered by the American Arbitration Association under its consumer arbitration rules then in effect, except where those rules conflict with these Terms or applicable law. If the American Arbitration Association is unavailable or unwilling to administer the arbitration, the parties will select another nationally recognized arbitration administrator. The arbitration will be conducted by one neutral arbitrator. Unless the parties agree otherwise, the arbitration will take place in Montgomery County, Maryland or by remote means if permitted by the applicable rules. You will pay no more in filing or case-initiation fees than you would pay to file an individual action in the state court in Maryland. We will pay the remaining administrator and arbitrator fees to the extent required by the applicable arbitration rules or law. Each party will bear its own attorneys' fees and costs unless an applicable law permits the arbitrator to award attorneys' fees or costs to the prevailing party. You may opt out of this arbitration provision by sending a written signed notice to us at FREDvested LLC, PO Box 2406, Rockville, Maryland 20847 within thirty (30) days after you first accept these Terms. The opt-out notice must include your name, account email address, and a clear statement that you elect to opt out of this arbitration provision. Opting out will not affect any other part of these Terms of Use or your access to our services. If any part of this arbitration provision is found unenforceable, that part will be severed, and the remaining provisions will remain in effect to the fullest extent permitted by law.
YOU HEREBY WAIVE ANY RIGHT YOU MAY NOW OR HEREAFTER HAVE TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING WITH RESPECT TO THE PLATFORM OR THESE TERMS OF USE. You further agree that the resolution of any disputes arising hereunder or otherwise in connection with your use of the Platform shall be conducted in your individual capacity only and not as a class action or other representative action, and you expressly waive any right to file a class action or seek relief on a class basis.
Neither these Terms of Use nor any rights, licenses or privileges granted herein may be transferred or assigned by you, but we may assign or transfer them without restriction and without notice to you.
These Terms of Use contain the entire understanding and agreement between you and us concerning the Platform and your use thereof, and they supersede any and all prior or inconsistent understandings relating to such subject matter. These Terms of Use cannot be changed orally. If any provision of these Terms of Use is held to be illegal, invalid or unenforceable, no other provision hereof shall be affected, and such provision shall be deemed amended solely to the extent necessary to make it legal, valid and enforceable. No action arising out of these Terms of Use or your use of the Platform, regardless of form or the basis of the claim, may be brought by you more than one year after the cause of action arose (or if multiple causes, from the date the first such cause arose). A failure by us to exercise or enforce any right or provision of these Terms of Use will not operate as a waiver of such right or provision.
Questions about these Terms of Use can be directed to:
Email: [email protected]
Address: PO Box 2406, Rockville, Maryland 20847
© 2026 FREDvested LLC