Terms of Service

Updated May 20, 2026

Effective Date: May 20, 2026

These Terms of Service (the "Terms") are a binding agreement between you ("you," "User," or "Subscriber") and Stiward Holdings Inc., a Delaware corporation ("Stiward," "we," "us," or "our"). They govern your access to and use of Stiward's web and mobile applications at stiward.com (the "Platform") and all related services we provide (collectively, the "Services").

PLEASE READ THESE TERMS CAREFULLY. BY CREATING AN ACCOUNT OR ACCESSING THE SERVICES, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THESE TERMS, INCLUDING THE BINDING ARBITRATION AND CLASS-ACTION WAIVER IN SECTION 17. IF YOU DO NOT AGREE, DO NOT CREATE AN ACCOUNT OR USE THE SERVICES.

1. About Stiward

Stiward is positioned as an agentic operating system for one human being — the assistant inside it ("Alfred") holds your goals, budgets, and context, and acts inside them. With your explicit permission, Stiward connects to your bank, card, and brokerage accounts (via Plaid), your calendar (via Google Calendar), and up to three of your email inboxes (via Gmail), and helps you manage your money, time, and inbox in one place. Each connection is a "Connector" you install, configure, and can revoke at any time. The Services include:

a unified Today view and per-domain dashboards with your accounts, balances, transactions, upcoming meetings, and inbox triage;
a chat-first AI assistant ("Alfred") that answers questions about your data and, where you have granted permission, can draft email replies, suggest categorizations, and surface anomalies for you to review;
daily and weekly briefings delivered to your email and/or mobile device;
ad-hoc anomaly alerts (e.g., unusual spend, calendar conflicts, VIP emails awaiting reply); and
a connector-management surface for adding, viewing, and revoking the data sources you connect.

The Services are designed for a single individual — one account, one user. Stiward does not offer household, team, or shared-account functionality in V1.

Stiward is a software platform. Stiward is not a bank, broker-dealer, investment adviser, financial planner, tax preparer, or law firm, and nothing on the Platform is financial, legal, tax, or investment advice. See Section 8.

1.1 Autonomy posture

Stiward exposes a five-rung autonomy ladder that governs how much Alfred is allowed to do on your behalf for each Connector you install. In V1, every Connector ships at rung 0 (suggest) or rung 1 (draft for your review). Alfred does not send mail, create calendar events, or move money in V1; any action that changes state at an upstream provider is created as an "intent" that requires your explicit approval before execution. Higher rungs (notify-and-act, budgeted autonomous, goal-bound autonomous) will not be enabled for any Connector without prior in-product disclosure, your explicit acknowledgment, and continued ability to demote a Connector or revoke a Connector at any time.

2. Eligibility

To use the Services you must:

be at least 18 years of age;
have legal capacity to enter into a binding contract;
not be prohibited from using the Services under applicable law (including U.S. export-control and sanctions law); and
agree to these Terms and our Privacy Policy.

The Services are currently intended for residents of the United States. Availability in other jurisdictions will be communicated separately.

3. Account, Access, and Security

To use the Platform you will create an account secured by Firebase Authentication. You are responsible for:

safeguarding access to your account and the devices you use to access it;
keeping your contact information up to date so we can authenticate you and communicate with you about the Services;
enabling multi-factor authentication when prompted (Stiward relies on Google's Identity Platform for MFA);
promptly notifying us at security@stiward.com of any actual or suspected unauthorized access; and
all activity that occurs under your account.

You may not share your account, allow others to use your credentials, or impersonate another person. Each account is for one natural person.

4. Connected Accounts and Connector Data

4.1 You Authorize Each Connection Individually

The Services rely on data sources that you explicitly connect on the /connectors page (each, a "Connector"). The current Connectors are Plaid (financial accounts), Google Calendar, and Gmail (up to three Gmail mailboxes per Stiward account). Additional Connectors — for example health rings, workouts, journal, goals, news, investments, tax, travel, and memberships — may be added over time; each new Connector is opt-in and goes through the same per-source consent flow before any data is synced. You authorize each Connector through the source's own consent flow. You can disconnect any Connector at any time from /connectors; we will stop syncing immediately and delete the underlying data on the schedule described in our Privacy Policy.

4.2 What Stiward Does with Connector Data

Stiward syncs the Connector data described in our Privacy Policy and uses it only to operate the Services for you. Specifically:

We do not use Gmail or Google Calendar data for advertising, do not sell it, and do not allow humans to read it except in the narrow circumstances described in Section 4 of the Privacy Policy.
We do not use any Connector Data to train machine-learning models. Our AI subprocessors operate under zero-retention enterprise agreements.
We use the gmail.modify Gmail scope solely to create drafts in your Drafts folder for your review. We do not, and will not, send mail on your behalf from the Platform. There is no "Send" code path in Stiward's codebase.

4.3 Your Responsibilities

You are responsible for the lawfulness of each Connector you authorize, including for ensuring you have the right to grant access to the underlying account. If you share an inbox or a bank account with someone else, the other account-holder has not consented to Stiward syncing that data unless they have also become a Stiward user — please be thoughtful about which accounts you connect.

4.4 Provider Terms Apply

Your use of Plaid, Google, and any other Connector remains governed by that provider's own terms. Stiward is not responsible for downtime, data quality, or policy changes at any Connector provider.

5. AI Features ("Alfred")

5.1 What Alfred Is and Is Not

Alfred is a large-language-model assistant that serves as the agent runtime sitting on top of your installed Connectors. Alfred can read your Connector Data (with appropriate tenant scoping), summarize it, and propose write actions (such as drafting an email reply). In V1, Alfred operates at rungs 0–1 of the autonomy ladder described in Section 1.1: Alfred cannot perform write actions on its own — any action that sends, deletes, moves money, or otherwise changes state at a Connector is created as an "intent" and requires your explicit approval before execution.

Alfred is the only persona you interact with on the Platform. Connectors do not surface independent chatbots; they extend what Alfred can see and propose. Alfred is not a financial adviser, tax adviser, lawyer, doctor, or therapist. Alfred can be wrong, can hallucinate, and can miss context. Verify any consequential output before acting on it.

5.2 AI Subprocessors

By default, Alfred uses Anthropic's Claude. You may switch to OpenAI in /settings → AI. Both providers operate under zero-retention enterprise agreements with Stiward. We will update the list of AI subprocessors in our Subprocessors page and notify you of material additions.

5.3 Token Budget

Each account has a per-day token budget for Alfred to keep costs predictable. When you exceed your budget for the day, Alfred will return a "resting" message. You can adjust the budget within the limits posted in /settings → AI.

5.4 No Reliance for High-Stakes Decisions

Do not rely on Alfred for medical, legal, tax, regulatory, or other high-stakes decisions. Information from Alfred is provided for your convenience and is not a substitute for advice from a qualified professional.

6. Subscriptions, Fees, and Payment

6.1 Plans

Stiward offers a free initial tier and one or more paid subscription tiers. The features and fees for each tier are described on the Platform and may change with reasonable notice.

6.2 Payment Processor

Subscription fees, where applicable, are processed by Stripe. Stiward does not store complete payment card numbers on its servers.

6.3 Billing Cycle and Renewal

Paid subscriptions renew automatically at the start of each billing cycle unless you cancel before the renewal date. You can cancel at any time from /settings → Billing. Cancellation takes effect at the end of the then-current billing period; we do not pro-rate refunds for partial periods unless required by law.

6.4 Taxes

Fees are exclusive of applicable taxes, which you are responsible for paying.

6.5 Free Tier

We may change the limits and features of any free tier with reasonable notice. We may withdraw a free tier entirely if doing so is necessary to operate the Services sustainably.

7. Acceptable Use

You will not, and will not permit anyone else to:

use the Services in violation of any law or regulation;
access another user's account or attempt to do so;
attempt to defeat Stiward's tenant-isolation, authentication, encryption, or rate-limiting controls;
introduce malware, viruses, or other harmful code into the Platform;
scrape, harvest, or systematically extract data from the Platform other than your own data through the user-facing export feature;
reverse-engineer, decompile, or attempt to derive source code from the Platform except as permitted by applicable law;
use the Services to develop a competing product or service;
impersonate any person or misrepresent your affiliation with any person or organization;
use Alfred to generate or distribute content that is illegal, harassing, defamatory, infringing, sexually explicit involving minors, or otherwise prohibited by applicable AI-provider policies; or
use the Services for high-volume automated workflows that exceed the budgets posted in /settings.

We may suspend or terminate accounts that we reasonably believe have violated these rules.

8. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING:

Not financial advice. Stiward is not a registered investment adviser, broker-dealer, financial planner, or accountant. The Services display information about your accounts and propose suggestions; they do not provide individualized investment, tax, or financial advice.
Not legal advice. Stiward does not provide legal advice.
Not medical advice. Stiward does not provide medical, mental-health, or wellness advice.
Data accuracy. Connector data is sourced from third parties (Plaid, Google) and may be incomplete, delayed, or inaccurate. Always verify against the source of record before acting on it.
AI output. Alfred is a probabilistic system. Output may be incorrect. Verify before acting.
Availability. We do not guarantee uninterrupted availability of the Services.

9. Limitation of Liability

IN NO EVENT WILL EITHER PARTY BE LIABLE TO THE OTHER FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS, LOST REVENUE, OR LOSS OF DATA), REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

EXCEPT FOR (a) YOUR PAYMENT OBLIGATIONS, (b) YOUR INDEMNIFICATION OBLIGATIONS, OR (c) A PARTY'S WILLFUL MISCONDUCT, EACH PARTY'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (i) THE TOTAL FEES YOU PAID STIWARD IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM AND (ii) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. The exclusions and limitations above apply only to the maximum extent permitted by law.

10. Indemnification

You will indemnify, defend, and hold harmless Stiward and its officers, directors, employees, and agents from and against any third-party claim, loss, damage, liability, cost, or expense (including reasonable attorneys' fees) arising out of or related to (a) your breach of these Terms, (b) your misuse of the Services, (c) your violation of any Connector provider's terms, or (d) your violation of any applicable law.

11. Intellectual Property

Stiward owns all right, title, and interest in and to the Platform, including its software, design, content (other than your data), trademarks, and logos. These Terms do not grant you any ownership rights in the Platform.

You retain all rights in your data, including your Connector Data, your conversations with Alfred, and any content you upload. You grant Stiward a worldwide, non-exclusive, royalty-free license to host, copy, transmit, display, modify, and process your data solely as needed to provide the Services to you.

We welcome feedback. If you submit suggestions, ideas, or feedback to us, you grant us a perpetual, irrevocable, royalty-free license to use it without obligation.

12. Third-Party Services and Open-Source Components

The Platform integrates with third-party services (Plaid, Google, Anthropic, OpenAI, Stripe, Resend, Expo, Cloudflare, Sentry, and others listed in our Subprocessors page). Your use of those services is governed by the providers' own terms.

The Platform incorporates open-source software. Open-source components are licensed under their own terms, which prevail over these Terms for those components only.

13. Termination

13.1 By You

You may close your Stiward account at any time from /settings → Account or by emailing support@stiward.com. Account closure triggers the deletion described in our Privacy Policy.

13.2 By Stiward

We may suspend or terminate your account, with or without notice, if (a) you breach these Terms, (b) we are required to do so by law, (c) we reasonably believe that continued operation of your account presents a security risk to other users or to Stiward, or (d) we discontinue the Services or a feature you depend on.

13.3 Effect of Termination

On termination, your right to access the Services ends immediately. The provisions of these Terms that by their nature should survive (including Sections 8, 9, 10, 11, 14, 15, 16, 17, 18, and 19) survive termination.

14. Changes to the Services and these Terms

We may add, change, or remove features over time. For material adverse changes to the Services or to these Terms, we will provide reasonable advance notice through the Platform or by email. Your continued use after the change becomes effective constitutes your acceptance of the change. If you do not agree, you may close your account before the change takes effect.

15. Privacy

Our Privacy Policy describes how we handle your information. It is incorporated into these Terms by reference. By using the Services, you consent to our handling of your information as described in the Privacy Policy.

16. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Subject to Section 17, any action arising out of or relating to these Terms or the Services that is not subject to arbitration must be brought exclusively in the state or federal courts located in New Castle County, Delaware, and you irrevocably consent to the jurisdiction of those courts.

17. Binding Arbitration; Class-Action Waiver

Read this section carefully — it affects your legal rights.

17.1 Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services ("Dispute") will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules then in effect, except as set out below. The arbitration will take place in Wilmington, Delaware (or by video where permitted), in English, before a single arbitrator. The arbitrator's award is final and binding and may be entered as a judgment in any court of competent jurisdiction.

17.2 Class-Action Waiver

You and Stiward each waive the right to bring or participate in any class, collective, or representative action. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative proceeding. If this waiver is found unenforceable, the entire Section 17 is null and void, and the parties agree to resolve the Dispute in court under Section 16.

17.3 Exceptions

This Section 17 does not require arbitration of (a) small-claims-court actions, (b) actions to enforce intellectual-property rights, or (c) injunctive relief for unauthorized use or access.

17.4 Opt-Out

You may opt out of this arbitration agreement by emailing legal@stiward.com within thirty (30) days of first accepting these Terms. Your opt-out notice must include your name, account email, and a clear statement that you decline arbitration.

18. Export Controls and Sanctions

You may not access or use the Services if you are located in, or are a national or resident of, any country or region subject to U.S. comprehensive sanctions, or if you are on a U.S. government denied-party list. You will not export, re-export, or transfer the Services in violation of applicable export laws.

19. General

19.1 Entire Agreement

These Terms, together with the Privacy Policy and any plan- or feature-specific terms incorporated by reference, are the entire agreement between you and Stiward regarding the Services and supersede any prior agreements.

19.2 Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.

19.3 No Waiver

Our failure to enforce a provision is not a waiver of our right to enforce it later.

19.4 Assignment

You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets, with notice to you.

19.5 Notices

We may give you notice through the Platform, by email to the address on file, or by push notification. You may give us notice at legal@stiward.com.

19.6 Relationship of the Parties

These Terms do not create a partnership, joint venture, employment, or agency relationship between you and Stiward.

19.7 Force Majeure

Neither party is liable for failure or delay caused by events beyond its reasonable control, including acts of God, war, terrorism, civil unrest, labor disputes, infrastructure or third-party-service outages, or governmental action.

20. Contact Us

Stiward Holdings Inc. Support: support@stiward.com Legal: legal@stiward.com Security: security@stiward.com Privacy: privacy@stiward.com Website: stiward.com