Effective Date: 10/30/2025
Legal Entity: Ascent.ai, a Delaware company
Welcome to Ascent (“Ascent,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) form a binding agreement between you (“you,” “your,” or “user”) and Ascent.ai and govern your use of our website (myascent.ai), mobile applications, and related services (together, the “Services”).
By creating an account or using Ascent in any way, you agree to these Terms and our Privacy Policy (which is incorporated by reference). If you do not agree, do not use the Services.
You must be 18 years or older and capable of forming a binding contract to use Ascent. The Services are intended for individual personal use. You may not use the Services if prohibited by law in your location.
You’ll need an Ascent account to access most features. You agree to:
You are responsible for all activity under your account, including actions by anyone who accesses it using your credentials.
Ascent offers both free and paid subscription plans.
We may change plan pricing with prior notice. Continued use of the paid Service after changes take effect means you accept the new pricing.
Ascent uses artificial-intelligence technology to help you model “what-if” scenarios, generate forecasts, and provide educational financial insights (the “AI Features”).
You understand and agree that:
You must not use the AI Features to create misleading information or to provide financial advice to others.
Ascent may allow you to connect bank, brokerage, or credit accounts through third-party data providers (such as Plaid). By connecting an account, you authorize Ascent and its partners to access and process your financial data to deliver the Services.
Ascent does not store your banking credentials and is not responsible for the accuracy or timeliness of data obtained from third parties. You agree to review your financial institutions’ own terms before connecting accounts.
You agree not to:
We may suspend or terminate your access if you violate these Terms.
You retain ownership of all content you upload or input into Ascent (“Your Content”). By submitting it, you grant Ascent a worldwide, royalty-free license to use, store, process, and display it as needed to provide the Services.
If you send us ideas or feedback, you grant Ascent the right to use them freely without compensation or obligation to you.
Your use of the Services is also governed by the Ascent Privacy Policy, which explains how we collect, use, and share your information. Please review it carefully before using Ascent.
We are constantly improving Ascent. We may update, add, or remove features at any time. We’ll notify you of any material changes that reduce functionality or affect your rights under these Terms.
All software, designs, text, graphics, data, and other materials that make up Ascent (the “Platform”) are owned or licensed by Ascent.ai and protected by copyright, trademark, and other laws.
You may use the Platform only for your personal, non-commercial purposes in accordance with these Terms.
You may not copy, modify, reverse-engineer, sell, or distribute any part of Ascent without our written consent.
If you create or share feedback, comments, or suggestions about Ascent, you agree that Ascent may use them freely for any purpose, without any obligation to you.
Ascent and its AI features are provided “as-is” and “as-available” without any warranties of any kind.
We make no promises that the Services will be uninterrupted, error-free, accurate, or suitable for your goals.
We specifically disclaim any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
You understand that all financial forecasts, budgets, and suggestions generated by Ascent’s AI features are for educational purposes only and are not financial, investment, tax, or legal advice. You should always consult a qualified professional before making major financial decisions.
To the maximum extent allowed by law, Ascent and its affiliates, employees, and suppliers will not be liable for any indirect, incidental, special, or consequential damages, including lost profits, lost data, or business interruption, even if we have been advised of the possibility of such damages.
Our total liability for any claim arising out of or relating to your use of Ascent will not exceed the greater of (a) the total amount you paid to Ascent in the past twelve (12) months, or (b) $100.
Some jurisdictions do not allow certain limitations of liability. In those cases, we limit our liability to the smallest extent permitted by law.
These Terms are governed by and construed under the laws of the State of Delaware, without regard to its conflict-of-law principles.
We want to resolve disputes fairly and quickly. If you have an issue, please contact us first at support@myascent.ai.
If we can’t resolve it informally, you and Ascent agree to resolve all disputes through binding arbitration, except as noted in the “Small-Claims Exception” below.
Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. It will take place in Delaware (or virtually, if you prefer). The arbitrator’s decision will be final and enforceable in any court with jurisdiction.
Either you or Ascent may bring an individual claim in small-claims court instead of arbitration, if the claim is within that court’s jurisdiction and does not seek injunctive relief.
You and Ascent agree to resolve disputes only on an individual basis. That means no class actions, consolidated claims, or representative lawsuits of any kind.
You have the right to opt out of this arbitration provision.
To do so, send a written notice with your name, email address, and a clear statement that you wish to opt out of arbitration to legal@myascent.ai within 30 days of creating your account.
Opting out will not affect your other rights or obligations under these Terms.
If any part of these Terms is found unenforceable, the rest will remain in effect.
A failure to enforce any provision will not be a waiver of our rights to do so later.
We may modify these Terms from time to time. When we make material changes, we’ll notify you by email or through the Platform before they take effect. Your continued use of Ascent after changes become effective means you accept the updated Terms.
If you download or access Ascent through the Apple App Store or Google Play Store, the following additional terms apply:
From time to time, we may offer features or tools that are clearly marked as “Beta,” “Preview,” “Experimental,” or something similar (“Beta Services”).
Beta Services are offered to help us test and improve Ascent. They may contain errors, be incomplete, or change without notice. We may suspend or discontinue Beta features at any time.
You agree that Beta Services are provided “as-is” and without any warranty of any kind, and you use them at your own risk. Feedback you provide about Beta Services may be used by Ascent to improve the platform and other products.
You also agree not to disclose non-public information about Beta features to third parties without our permission.
You may stop using Ascent at any time by closing your account or canceling your subscription.
We may suspend or terminate your account at any time if you violate these Terms, pose a security risk, or engage in fraudulent activity.
Upon termination, your right to use Ascent immediately ends. Certain provisions of these Terms (such as disclaimers, liability limits, arbitration, and intellectual property rights) will continue to apply after termination.
These Terms, together with the Ascent Privacy Policy, form the entire agreement between you and Ascent regarding your use of the Services and supersede any prior agreements or understandings.
If you have questions about these Terms or the Services, please contact us at:
Ascent.ai
Legal Department
Email: support@myascent.ai
Website: https://myascent.ai
These Terms are effective as of the date above. If we make material changes, we will notify you by email or through the app before they take effect. Your continued use of Ascent after that date means you accept the revised Terms.