IgniteHQ Terms of Service

Last updated: May 20, 2026

These Terms of Service govern your access to and use of IgniteHQ, including the IgniteHQ dashboard, client portal, advisor tools, CRM features, secure vault, planning workflows, and related services.

By accessing or using IgniteHQ, you agree to these Terms. If you do not agree, do not use IgniteHQ.

1. What IgniteHQ Is

IgniteHQ is software for financial advisory firms, advisors, staff, and clients. IgniteHQ helps users organize financial planning information, client records, tasks, notes, files, reports, and related workflow data.

IgniteHQ is not a financial advisor, investment adviser, broker-dealer, custodian, tax preparer, law firm, or accounting firm. IgniteHQ does not provide financial, investment, tax, legal, insurance, or accounting advice.

Any financial planning, investment, tax, legal, insurance, or advisory services are provided by the advisory firm or professional you work with, not by IgniteHQ.

2. Advisory Firm Responsibility

Advisory firms using IgniteHQ are responsible for their own client relationships, recommendations, disclosures, regulatory obligations, supervision, recordkeeping, and compliance requirements.

IgniteHQ may help organize or display client information, but advisory firms remain responsible for reviewing all information, communications, calculations, reports, and outputs before relying on them or sharing them with clients.

3. User Accounts

You must use your own authorized account to access IgniteHQ. You are responsible for keeping your login credentials secure and for any activity that occurs under your account.

You agree not to share your account, access another user’s account without permission, or attempt to bypass security, authentication, or access controls.

4. Client Data and User Content

Users may enter, upload, store, or share information through IgniteHQ, including personal information, financial information, files, notes, tasks, and planning data.

You are responsible for the accuracy and legality of the information you enter into IgniteHQ. You represent that you have the right to upload or provide any information you submit.

IgniteHQ does not claim ownership of your data. You grant IgniteHQ permission to process, store, display, and transmit your data as needed to provide and improve the service.

5. Privacy

Our collection and use of personal information is described in our Privacy Policy. By using IgniteHQ, you also agree to the Privacy Policy.

6. Security

IgniteHQ uses reasonable administrative, technical, and organizational safeguards designed to protect user information. However, no software, network, or storage system can be guaranteed to be completely secure.

You agree to notify IgniteHQ promptly if you believe your account has been compromised or if you become aware of unauthorized access to IgniteHQ.

7. Acceptable Use

You agree not to use IgniteHQ to:

- Violate any law, regulation, contract, or third-party right.

- Upload malicious code, viruses, or harmful content.

- Attempt to access data, systems, or accounts without authorization.

- Interfere with the operation, security, or availability of IgniteHQ.

- Misrepresent your identity, firm affiliation, or authority.

- Store or transmit unlawful, fraudulent, abusive, or harmful content.

8. Software Outputs and Calculations

IgniteHQ may display calculations, summaries, reports, projections, checklists, workflows, or other software-generated outputs.

These outputs are for informational and organizational purposes only. They may be incomplete, inaccurate, outdated, or based on assumptions or data entered by users. Users and advisory firms are responsible for reviewing and verifying all outputs before relying on them.

9. Third-Party Services

IgniteHQ may use or connect with third-party services such as authentication providers, hosting providers, email providers, file storage systems, or other technology vendors.

IgniteHQ is not responsible for third-party services, websites, or platforms that it does not control. Your use of third-party services may be governed by separate terms and policies.

10. Fees and Subscriptions

Some IgniteHQ features may require payment, subscription, or firm-level access. Fees, billing terms, renewal terms, and cancellation terms may be provided separately to the advisory firm or account owner.

Unless otherwise stated in writing, fees are non-refundable except where required by law.

11. Availability and Changes

IgniteHQ may change, update, suspend, or discontinue parts of the service at any time. We may also update these Terms from time to time.

If we make material changes, we may provide notice through the service, by email, or by posting an updated version of these Terms. Continued use of IgniteHQ after changes become effective means you accept the updated Terms.

12. Intellectual Property

IgniteHQ and its software, design, branding, workflows, documentation, and related materials are owned by IgniteHQ or its licensors.

You may not copy, modify, reverse engineer, resell, sublicense, or commercially exploit IgniteHQ except as expressly permitted in writing.

13. Confidentiality

Users may access confidential information through IgniteHQ, including client information, advisory firm information, financial information, and business records.

You agree to use confidential information only for authorized purposes and to protect it from unauthorized access, use, or disclosure.

14. Termination

IgniteHQ may suspend or terminate access if a user violates these Terms, creates security risk, fails to pay required fees, or uses the service in a way that may harm IgniteHQ, other users, or third parties.

Upon termination, access to the service may end, but certain provisions of these Terms will continue to apply, including confidentiality, intellectual property, disclaimers, limitation of liability, and payment obligations.

15. Disclaimers

IgniteHQ is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, IgniteHQ disclaims all warranties, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

IgniteHQ does not guarantee that the service will be uninterrupted, error-free, secure, or free from data loss.

16. Limitation of Liability

To the fullest extent permitted by law, IgniteHQ will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost data, business interruption, or loss of goodwill.

To the fullest extent permitted by law, IgniteHQ’s total liability for any claim related to the service will not exceed the amount paid to IgniteHQ for the service during the twelve months before the event giving rise to the claim.

17. Indemnification

You agree to defend, indemnify, and hold harmless IgniteHQ from and against claims, damages, liabilities, losses, costs, and expenses arising from your use of the service, your violation of these Terms, your data or content, or your violation of any law or third-party right.

18. Governing Law

These Terms are governed by the laws of the State of Minnesota, without regard to conflict of law principles, unless applicable law requires otherwise.

19. Contact

Questions about these Terms may be sent to:

IgniteHQ

Email: joelmiller@ignitehq.app