Last Updated: February 7, 2026

1. AGREEMENT TO TERMS

By accessing or using Hold Anchor (the "Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you may not access or use the Service. These Terms constitute a legally binding agreement between you ("you" or "User") and Hold Anchor LLC ("Company," "we," "us," or "our").

We may update these Terms from time to time. If we make material changes, we will notify you by posting a notice on the Service or by sending you an email. Your continued use of the Service after such changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

2. DESCRIPTION OF SERVICE

2.1 Overview

Hold Anchor is a subscription-based Software as a Service (SaaS) platform for personal finance visualization and time management. The Service consists of browser-based dashboards and tools that run client-side in the User's web browser, an optional cloud synchronization service available through a paid subscription, and additional content and features available at holdanchor.com. The application functions as a progressive web app (PWA) that may be installed to a device's home screen for an app-like experience.

All data in the Service is manually entered by the User. The Service does not link bank accounts, connect to financial institutions, scrape external services, or ingest third-party data streams of any kind.

2.2 Product Components

The Service includes the following components, among others that may be added over time:

Money Dashboard — A personal finance dashboard that allows Users to manually enter financial information — including take-home pay, pre-tax deductions, checking balance, savings balance, recurring expenses, savings goals, retirement accounts, and net worth items — and view calculations such as expense-to-income ratios, balance sufficiency, projected retirement income via Monte Carlo simulation, net worth, and a 7-day expense lookahead. All calculations and rendering occur client-side in the User's browser. No server-side processing of financial data occurs.

Time Dashboard — A time management dashboard that allows Users to create and manage time blocks organized into Routines, Resets, and Events. Features include a drag-adjustable calendar with current-time indicators, overnight-spanning event support, temporary per-occurrence overrides, a "Typical Openings" section that surfaces recurring free slots, a "Finder" tool for searching available time windows, and the ability to toggle between a "Typical" and "Actual" schedule view. Both free and paid Users receive a three-week schedule outlook.

Video Library — A curated collection of instructional and informational videos organized by topic and duration. Videos are embedded from YouTube via youtube-nocookie.com (YouTube's privacy-enhanced embedding mode). The Video Library does not collect or store any User data.

2.3 Product Philosophy

The dashboards are informational mirrors designed to reflect the User's own manually entered inputs through clear calculations and deliberate structure. The dashboards do not attempt to instruct, nudge, recommend, advise, or optimize behavior in any way.

2.4 Important Disclaimers

THE SERVICE IS FOR INFORMATIONAL AND ORGANIZATIONAL PURPOSES ONLY. IT DOES NOT PROVIDE — AND MUST NOT BE CONSTRUED AS — FINANCIAL, INVESTMENT, LEGAL, TAX, OR ANY OTHER FORM OF PROFESSIONAL ADVICE.

Hold Anchor is not a bank, financial institution, financial advisor, investment advisor, broker-dealer, insurance company, credit counselor, tax preparer, or fiduciary of any kind. The Service is not regulated under the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), or any similar financial services regulation. Hold Anchor does not link bank accounts, access financial institutions, scrape external services, or ingest third-party data streams. All data in the Service is manually entered by the User.

All calculations, projections, and estimates generated by the Service — including but not limited to Monte Carlo retirement simulations, expense projections, net worth calculations, and time availability computations — are hypothetical, approximate, and for informational purposes only. They do not guarantee future results and should not be relied upon for making financial, legal, tax, or any other decisions. Monte Carlo simulations use probabilistic modeling based on User-provided assumptions; actual outcomes may vary significantly. You are solely responsible for verifying all information and consulting with qualified professionals before making any decisions based on information displayed in the Service.

3. ELIGIBILITY

You must be at least eighteen (18) years of age to use the Service. By using the Service, you represent and warrant that you are at least 18 years old. If you are under 18, you are not permitted to use the Service for any purpose.

4. USER ACCOUNTS

4.1 Authentication

Hold Anchor uses a passwordless authentication system. To access cloud synchronization features, you must provide a valid email address and authenticate via a one-time passcode (OTP) sent to that email address. No passwords are created, transmitted, or stored at any point. You are responsible for maintaining access to the email address associated with your account.

4.2 Account Security

You are responsible for all activities that occur under your account. You must promptly notify us at support@holdanchor.com if you become aware of any unauthorized use of your account. We are not liable for any loss or damage arising from unauthorized access to your account.

4.3 Account Information

You must provide accurate and complete information when creating an account. Your email address serves as your primary account identifier for login, billing, and support purposes.

5. FREE TIER

5.1 Access and Features

All dashboards and their full feature sets are available to all Users free of charge, with no restrictions, paywalls, or feature limitations. The dashboards run entirely in the User's web browser.

5.2 Ephemeral Data

The free tier does not include data persistence. Data entered into the dashboards remains viewable for the duration of the User's session and is automatically cleared after approximately 12 hours via a local storage reset. Data is also lost when the page is refreshed. This ephemeral behavior is a deliberate design constraint — the free tier functions as a tool for exploration and short-term thinking, not long-term record-keeping.

5.3 No Local Storage

The Service does not use localStorage, sessionStorage, IndexedDB, or any other browser persistence mechanism for User data beyond the ephemeral session window described above. No User data is stored locally between sessions.

6. PAID TIER (CLOUD SYNC SUBSCRIPTION)

6.1 What the Subscription Adds

For $1.99 per month (USD), Users gain cloud synchronization: the ability to save their financial snapshot and time schedule to encrypted cloud storage and restore it across sessions and devices. The subscription also includes calendar export via standard formats (e.g., ICS files) for interoperability with external calendar applications. The subscription does not unlock additional dashboard calculation features, visualization features, or dashboard capabilities — all core dashboard functionality is available in the free tier.

6.2 How Data Is Stored

Synced data is stored as a current snapshot — not as a transaction-level history or event-by-event record. There is no historical record of changes, no version history, and no audit trail of past inputs. Each save overwrites the prior snapshot.

6.3 Data Ownership

You retain ownership of all data you input into the Service. We store an encrypted copy of your dashboard data solely for the purpose of providing the cloud synchronization service. We do not access, read, analyze, or use your dashboard data for any other purpose.

7. PAYMENT TERMS

7.1 Billing

Subscription billing is handled entirely through Stripe. By subscribing, you also agree to Stripe's terms of service and privacy policy. Subscription fees are billed in advance on a recurring monthly basis. There is no free trial; payment is required immediately upon subscribing.

7.2 Payment Method

You authorize us (via Stripe) to charge the payment method you provide on a recurring monthly basis for the subscription fee. You are responsible for keeping your payment method current.

7.3 Auto-Renewal

Your subscription automatically renews each month unless you cancel. Each renewal authorizes Stripe to charge the then-current subscription fee to your payment method.

7.4 Price Changes

We reserve the right to change subscription prices at any time, at our sole discretion. Price changes will take effect at the start of the next billing period following the change. We will make reasonable efforts to notify you of price changes in advance, but continued use of the Service after a price change constitutes acceptance of the new pricing.

7.5 Non-Refundable

Subscription fees are non-refundable. We do not provide refunds or credits for partial subscription periods, unused time, service dissatisfaction, service modifications, service interruptions, or discontinuation of the Service, except as required by applicable law. This includes situations where the Service is modified, suspended, or permanently discontinued.

7.6 Payment Information

Hold Anchor never receives, processes, or stores your credit card number or payment card details. All payment information is entered directly into Stripe's hosted checkout interface and is subject to Stripe's security practices and privacy policy.

8. SUBSCRIPTION LAPSE AND GRACE PERIOD

When a subscription lapses due to cancellation or payment failure, the following timeline applies:

Days 1–14 (Read-Only Period): You retain read-only access to your synced data. You may view your dashboards but may not edit or save changes.

Days 15–31 (Frozen Period): Your account enters a frozen state. You may not access your data during this period.

After Day 31 (Permanent Deletion): Your dashboard data is permanently and irreversibly deleted. This deletion cannot be undone.

You may resubscribe at any time during the first 31 days to restore full access to your data. After Day 31, data recovery is impossible.

9. CANCELLATION

You may cancel your subscription at any time through the Stripe customer billing portal. Upon cancellation, your subscription will remain active until the end of the current billing period, after which the subscription lapse timeline described in Section 8 begins.

10. TERMINATION BY COMPANY

10.1 Account Termination

We reserve the right to terminate, suspend, or restrict any User account at any time, for any reason or no reason, with or without notice, at our sole discretion. Reasons may include but are not limited to: violation of these Terms, suspected fraudulent or abusive activity, legal or regulatory requirements, or any other reason we deem appropriate.

10.2 Effect of Termination

Upon termination by us, your right to access the Service ceases immediately. We may, but are not obligated to, delete your data upon termination. We recommend that Users maintain their own records of important information.

11. SERVICE MODIFICATIONS, DISCONTINUATION, AND SHUTDOWN

11.1 Right to Modify or Discontinue

We reserve the right to modify, suspend, or discontinue any part of the Service — or the Service in its entirety — at any time, with or without notice, for any reason or no reason. This includes the right to change features, functionality, pricing, availability, and any other aspect of the Service.

11.2 No Obligation to Maintain

The Service is provided on an "as available" basis. We have no obligation to maintain, support, update, or continue operating the Service for any period of time. We do not guarantee uptime, availability, or continuity.

11.3 No Obligation to Migrate or Export Data

In the event of service discontinuation or shutdown, we have no obligation to migrate, export, transfer, or otherwise make available any User data. We may, at our sole discretion, choose to provide notice or offer data export as a courtesy, but we are under no obligation to do so.

11.4 No Liability for Discontinuation

We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service, whether temporary or permanent, with or without notice. You agree that we will have no liability whatsoever for any loss, damage, or inconvenience caused by any modification, interruption, or cessation of the Service.

12. DATA DELETION

12.1 Voluntary Account Deletion

You may delete your account at any time. Upon deletion, a full cascade delete permanently removes all of your data from every table in our database, including encrypted dashboard data, OTP history, rate-limit logs, legal consent records, and your user record. This deletion is immediate, permanent, and irreversible.

12.2 Inactivity-Based Deletion

Accounts that have been inactive for twenty-four (24) consecutive months are automatically subjected to the same full cascade delete. All associated data is permanently removed without notice.

12.3 Subscription Lapse Deletion

As described in Section 8, accounts whose subscriptions have lapsed for more than 31 days have their data permanently deleted.

13. INTELLECTUAL PROPERTY

13.1 Company Ownership

The Service — including its design, code, features, functionality, dashboards, visual design, user interface, text, graphics, logos, and all related intellectual property — is owned by Hold Anchor LLC and is protected by United States and international copyright, trademark, trade secret, and other intellectual property laws.

13.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes. This license does not include the right to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, sell, or reverse-engineer the Service or any part thereof.

13.3 Restrictions

You may not: (a) copy, modify, or create derivative works of the Service; (b) reverse-engineer, decompile, or disassemble the Service; (c) rent, lease, loan, sell, sublicense, distribute, or otherwise transfer the Service to any third party; (d) remove, alter, or obscure any proprietary notices on the Service; or (e) use the Service in any manner not expressly authorized by these Terms.

14. ACCEPTABLE USE

You agree that you will not:

(a) Use the Service for any unlawful purpose or in violation of any applicable law or regulation.

(b) Use automated systems, scripts, bots, spiders, crawlers, or any other automated means to access, scrape, extract data from, or interact with the Service.

(c) Attempt to gain unauthorized access to any part of the Service, its servers, databases, or any related systems or networks.

(d) Interfere with or disrupt the integrity, performance, or availability of the Service.

(e) Transmit any viruses, malware, or other harmful code through the Service.

(f) Impersonate any person or entity or misrepresent your affiliation with any person or entity.

(g) Use the Service to harass, abuse, or harm another person.

(h) Circumvent, disable, or otherwise interfere with any security features of the Service.

15. THIRD-PARTY CONTENT AND SERVICES

15.1 YouTube

The Video Library embeds videos from YouTube via youtube-nocookie.com (YouTube's privacy-enhanced embedding mode). Your viewing of embedded YouTube videos is subject to YouTube's Terms of Service (https://www.youtube.com/t/terms) and Google's Privacy Policy (https://policies.google.com/privacy). Hold Anchor does not send any User data to YouTube. Once you play an embedded video, your interaction with that video is governed by YouTube/Google's policies.

15.2 Stripe

Payment processing is provided by Stripe. Your use of Stripe's services is subject to Stripe's Terms of Service and Privacy Policy. Hold Anchor does not receive or store your payment card details.

15.3 Other Third-Party Services

The Service uses Postmark for transactional email delivery, Supabase for database hosting, and Render for application hosting. Each of these providers operates under their own terms of service and privacy policies.

15.4 No Endorsement

Reference to any third-party product, service, or website does not constitute an endorsement by Hold Anchor. We are not responsible for the content, accuracy, or practices of any third-party service.

16. DISCLAIMERS

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) THE RESULTS OBTAINED FROM THE SERVICE WILL BE ACCURATE, RELIABLE, OR COMPLETE; (C) ANY ERRORS IN THE SERVICE WILL BE CORRECTED; OR (D) THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.

ALL CALCULATIONS, PROJECTIONS, SIMULATIONS, ESTIMATES, AND OUTPUTS GENERATED BY THE SERVICE — INCLUDING BUT NOT LIMITED TO MONTE CARLO RETIREMENT PROJECTIONS, EXPENSE CALCULATIONS, NET WORTH COMPUTATIONS, TIME AVAILABILITY ANALYSES, AND ANY OTHER NUMERICAL OR ANALYTICAL OUTPUT — ARE HYPOTHETICAL, APPROXIMATE, AND FOR INFORMATIONAL PURPOSES ONLY. THEY DO NOT CONSTITUTE FINANCIAL, INVESTMENT, LEGAL, TAX, OR ANY OTHER FORM OF PROFESSIONAL ADVICE. ACTUAL RESULTS MAY VARY MATERIALLY. WE ARE NOT LIABLE FOR ANY DECISIONS YOU MAKE BASED ON INFORMATION DISPLAYED IN THE SERVICE.

YOU USE THE SERVICE AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM YOUR USE OF THE SERVICE.

17. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HOLD ANCHOR LLC, ITS OWNER, OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. IF YOU HAVE NOT PAID US ANY FEES DURING THAT PERIOD, OUR MAXIMUM AGGREGATE LIABILITY SHALL BE FIFTY U.S. DOLLARS ($50.00).

THE FOREGOING LIMITATIONS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE AND TO THE FULLEST EXTENT PERMITTED BY LAW.

18. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Hold Anchor LLC, its owner, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of or inability to use the Service; (b) your violation of these Terms; (c) your violation of any third-party rights, including intellectual property rights; (d) any financial, legal, tax, or other decisions you make based on information displayed in the Service; or (e) any content or data you submit to the Service.

19. ASSIGNMENT

We may assign, transfer, delegate, or otherwise dispose of our rights and obligations under these Terms, in whole or in part, at any time, without notice or your consent, including in connection with a merger, acquisition, sale of assets, or any other change of control. You may not assign or transfer your rights under these Terms without our prior written consent.

20. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, United States, without regard to its conflict of law provisions.

21. DISPUTE RESOLUTION

21.1 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact us at support@holdanchor.com and attempt to resolve the dispute informally for at least thirty (30) days.

21.2 Binding Arbitration

If a dispute cannot be resolved informally, you and Hold Anchor LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall take place in the Commonwealth of Pennsylvania. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

21.3 Class Action Waiver

YOU AND HOLD ANCHOR LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. If this class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

21.4 Exceptions

Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within the court's jurisdictional limits. Either party may also seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement or misappropriation of intellectual property rights.

21.5 Opt-Out

You may opt out of this arbitration provision by sending written notice to support@holdanchor.com within thirty (30) days of first accepting these Terms. Your notice must include your name, email address, and a clear statement that you wish to opt out of arbitration. If you opt out, the dispute resolution provisions of applicable law will apply.

22. CALIFORNIA RESIDENTS

If you are a California resident, you waive California Civil Code Section 1542, which states: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."

23. FORCE MAJEURE

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, shortages of transportation, facilities, fuel, energy, labor, or materials, failure of third-party infrastructure providers, internet service disruptions, or cyberattacks.

24. ELECTRONIC COMMUNICATIONS

By using the Service, you consent to receiving electronic communications from us, including emails related to your account, authentication (OTP codes), support correspondence, and notices about changes to these Terms or our Privacy Policy. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

25. SEVERABILITY

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity shall not affect the remaining provisions, which shall continue in full force and effect.

26. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Hold Anchor LLC regarding your use of the Service and supersede all prior or contemporaneous agreements, understandings, representations, and warranties, whether written or oral, regarding the Service.

27. NO WAIVER

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by Hold Anchor LLC.

28. CONTACT INFORMATION

For questions about these Terms, please contact us at:

General Support: support@holdanchor.com

Privacy Inquiries: privacy@holdanchor.com

Data Protection Officer: dpo@holdanchor.com