Endowe Inc. - Terms of Use
Terms of Use: Endowe
Inc.
Version Date: July 23, 2026
The following terms and conditions (the
“Terms”) govern all access to and use of (i) the
websites operated by Endowe Inc. (including www.endowe.com
and any successor or affiliated domains) (the “Sites”), (ii) any Endowe-branded
mobile applications (the “Apps”), and (iii) any products, features, tools,
content, and services made available through the Sites or Apps (collectively
with the Sites and the Apps, the “Platform” or the “Service”).
Important—separate roles and agreements.
Endowe Inc. provides the Platform as a technology service that enables users to
create and share investment gift registries and to facilitate gift
contributions to eligible brokerage or custodial accounts held at third-party
financial institutions. Endowe Inc. is not a broker-dealer, does not execute
trades, does not custody client assets, and does not provide investment advice.
Investment advisory services, if any,
are provided solely by Endowe
Advisory LLC, an investment adviser registered with
the U.S. Securities and Exchange Commission (“SEC”) (“Endowe Advisory”). The
provision of investment advisory services is governed by separate agreements
and disclosures presented to you in connection with receiving advisory
services, which may include, as applicable: (i) a
registered investment advisory agreement, (ii) Endowe Advisory’s Form ADV (Part
2A and 2B), (iii) Form CRS, and (iv) other disclosures or documents
(collectively, the “Advisory Documents”). In the event of a conflict between
these Terms and any Advisory Documents with respect to advisory services, the
Advisory Documents will control.
Brokerage, custody, clearing,
settlement, account opening, identity verification, and related services are
provided by one or more third-party broker-dealers, custodians, and/or other
financial institutions (“Financial Partners”). Your relationship with any
Financial Partner is governed by the Financial Partner’s agreements and
disclosures, and Endowe Inc. is not responsible for the acts or omissions of
Financial Partners.
No guarantee; investment risk. Investments involve risk,
including the possible loss of principal. The value of investments may
fluctuate. Cash and securities held at a Financial Partner are not FDIC insured
(and any SIPC or other protections, if applicable, are provided solely through
the Financial Partner and subject to the Financial Partner’s terms).
Different user roles. Depending on how
you use the Platform, you may be a registry creator, a parent or legal guardian
acting as custodian for a minor beneficiary, a recipient/beneficiary, or a
person contributing a gift. Users who contribute gifts generally do not obtain
ownership or control rights in the recipient’s account.
In these Terms, “you” or “your” means
the person accessing or using the Service and, if applicable, the legal entity
on whose behalf that person is acting. “We,” “us,” “our,” and “Endowe” mean
Endowe Inc. References to Endowe Advisory LLC are made explicitly as “Endowe
Advisory.”
By using or accessing any part of the
Service, you represent and warrant that: (i) you are
at least eighteen (18) years old (or the age of majority in your jurisdiction,
if higher); (ii) you have read, understand, and agree to be bound by these
Terms; and (iii) if you are entering into these Terms on behalf of a company or
other legal entity, you have the authority to bind that entity to these Terms.
You consent to receive communications,
notices, disclosures, and other information from us electronically through the
Service, email, or other electronic means. Notwithstanding any request to
delete an account or personal information, we may retain certain information as
required by applicable law, regulation, and recordkeeping obligations.
We reserve the right, in our sole
discretion, to modify or replace any of these Terms at any time. Your continued
use of the Service following the posting of changes constitutes your acceptance
of the revised Terms, and you are responsible for reviewing the Terms
periodically. Certain features, products, or services offered through the
Service may be subject to additional terms and conditions, including terms
imposed by Financial Partners or Endowe Advisory. If such additional terms
conflict with these Terms, those additional terms will control solely with
respect to the applicable feature, product, or service.
ARBITRATION NOTICE: THESE TERMS INCLUDE
A MANDATORY ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT AFFECT YOUR
LEGAL RIGHTS. PLEASE READ THE ARBITRATION PROVISIONS CAREFULLY.
PLEASE READ THESE TERMS CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS, A DISPUTE RESOLUTION CLAUSE THAT GOVERNS HOW DISPUTES WILL BE RESOLVED, AND A WAIVER OF RIGHTS TO BRING CLASS ACTION CLAIMS AGAINST US. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS AND THE ABOVE ELIGIBILITY REQUIREMENTS, YOU ARE PROHIBITED FROM USING THE SERVICE.
Endowe Services Overview
Endowe provides individuals who are
eighteen (18) years of age or older the ability to create and share investment
gift registries and to collectively contribute monetary gifts for investment on
behalf of a designated beneficiary. Registries may be created for a variety of
personal, family, or celebratory purposes, including for children, other
individuals, or oneself, as permitted by applicable law and account
requirements.
The Platform allows an eligible account
owner or, where applicable, a parent or legal guardian acting as custodian
(each, a “Registry Owner”) to create a registry and receive gift contributions
from friends, family members, or other invited contributors (“Gifters”) for potential investment through brokerage,
custodial, or investment advisory services provided by third-party financial
institutions or Endowe Advisory. Eligible investments available through
connected financial accounts may include exchange-traded funds (“ETFs”), public
company stocks (“Stocks”), or other assets or account types that may be offered
from time to time. Gifts may be made on a one-time or recurring basis, subject
to applicable authorizations and the availability of payment features. Gifters may be able to include messages or media in
connection with a gift to help commemorate an occasion.
Payment Processing and Transfer Authorization
Certain payment and transfer features of
the Platform are enabled through third-party payment service providers,
including Dwolla, Inc. By accepting Endowe Inc.’s
Terms and establishing a Dwolla account or digital
wallet through Dwolla, you authorize the Platform to
initiate transfers of gifted funds from your Dwolla
account or digital wallet to your designated brokerage or custodial account
held with a Financial Partner once such funds have settled. Settlement of
gifted funds may take approximately one to three (1–3) business days depending
on the payment method and financial institution processing times.
You may revoke this authorization or
disconnect your Dwolla account or digital wallet at
any time through the Platform settings. If you do so, future gifts will not be
accepted through the Platform and transfers from the disconnected Dwolla account or digital wallet will not be initiated.
Gifted funds contributed through the
Platform must be transferred to the applicable brokerage or custodial account
before they can be invested or managed through services provided by a Financial
Partner or, where applicable, Endowe Advisory LLC.
User-Directed Investment Instructions
Registry Owners may configure a registry
to reflect one or more selected portfolios, securities, or investment
allocations supported by the Platform and available through connected financial
accounts. Based on the selections configured by the Registry Owner, the
Platform may automatically transmit investment instructions derived from those
selections to the applicable brokerage account after funds have been received
and transferred to the applicable brokerage account.
Endowe Inc. does not execute trades, act
as a broker-dealer, or exercise discretion over investment decisions. All
investment transactions are executed by the applicable Financial Partner in
accordance with the instructions generated from the Registry Owner’s selections
and the terms of the brokerage account agreement.
Investment and Advisory Services
Investment-related services, including
brokerage, custody, clearing, settlement, and account administration, are
provided by third-party financial institutions (“Financial Partners”).
Investment advisory services, where applicable, are provided solely by Endowe
Advisory LLC, pursuant to separate agreements and disclosures. Endowe Inc. does
not provide investment advice, make investment recommendations, custody client
assets, or control investment decisions.
Additional terms, disclosures, and
agreements may apply to certain features or services offered through the
Platform.
Your Information and Disclosure to Third Parties
Endowe Inc. is committed to protecting
the privacy of individuals who use the Platform. Please review our Privacy
Policy and GLBA
Privacy Notice, each of which is incorporated into
these Terms by reference. By accessing or using the Platform, you acknowledge
that you have reviewed and agree to the practices described in the Online
Privacy Policy and GLBA Privacy Notice.
As a condition to using certain features
of the Platform, you may be required to register an account and provide
information about yourself and, where applicable, a beneficiary or minor child,
including identifying, contact, and financial information (“Account
Information”). You agree to provide accurate, current, and complete Account
Information and to promptly update such information as necessary to keep it
accurate and complete.
You are responsible for maintaining the
confidentiality of your login credentials and for all activity that occurs
through your account, whether or not authorized by you. You agree to notify us
immediately if you become aware of any unauthorized access to or use of your
account or credentials.
You consent to receive communications,
agreements, notices, disclosures, and other information from us and our
Financial Partners electronically through the Platform, email, or other
electronic means. You are responsible for maintaining accurate and current
contact information associated with your account so that we may provide you
with required notices and communications.
We may share your information with third
parties as described in our Online Privacy Policy and GLBA Privacy Notice,
including with Endowe Advisory LLC (to the extent applicable), Financial
Partners, service providers, and other parties as required to operate the
Platform, provide requested services, comply with legal and regulatory
obligations, or enforce these Terms.
Eligibility and Access
You represent and warrant that you: (a) are at least eighteen
(18) years old or the age of majority in your jurisdiction, if higher; (b) have
not been previously suspended or removed from the Platform; (c) will provide
accurate, current, and complete information in connection with your use of the
Platform; and (d) have the authority to enter into these Terms and comply with
them.
Subject to your compliance with these
Terms, Endowe Inc. grants you a limited, revocable, non-exclusive,
non-transferable license to access and use the Platform solely for its intended
purpose. You may not copy, scrape, data-mine, reverse engineer, or otherwise
misuse the Platform or its content without our prior written consent.
We may suspend or terminate your access
to the Platform at any time if you violate these Terms or misuse the Platform.
You may request deletion of your account through the Platform or by contacting
support at [email protected]. Notwithstanding any
deletion request, we may retain certain information as required by applicable
law, regulation, or recordkeeping obligations.
Payments and Fees
Endowe Inc. does not charge registry
owners a fee to create or maintain a registry. Gifters
may be charged a service fee in connection with certain gift transactions. Any
applicable service fees and third-party payment processing fees will be
disclosed to Gifters prior to completion of a
transaction.
Endowe Inc. may modify its service fees
from time to time, and updated fees will be reflected through the Platform at
the time of use.
If a user elects to receive investment
advisory services through Endowe Advisory, separate advisory fees may apply.
Any such advisory fees are governed solely by the applicable advisory
agreements and disclosures provided by Endowe Advisory and are not charged by
Endowe Inc.
Payments Service Providers
To facilitate payments and funds
transfer functionality through the Platform, Endowe Inc. uses third-party
payments providers.
Dwolla Authorization
In order to use the payment
functionality of the Endowe platform, you must open a “Dwolla
Account” provided by Dwolla, Inc. and you must accept
the Dwolla Terms of Service and Privacy
Policy. Any funds held in or transferred
through your Dwolla Account are held or transferred
by Dwolla’s financial institution partners. You must
be at least 18 years old to create a Dwolla Account.
You authorize Endowe Inc. to collect and share with Dwolla
your personal information including full name, date of birth, social security
number, physical address, email address, and financial information, and you are
responsible for the accuracy and completeness of that data. You understand that
you will access and manage your Dwolla Account
through the Endowe platform, and Dwolla account
notifications will be sent by Endowe Inc., not Dwolla.
Endowe Inc. will provide customer support for your Dwolla
Account activity and can be reached at https://www.endowe.com
and [email protected].
Feedback
If you choose to submit feedback,
suggestions, or ideas regarding the Platform (“Feedback”), you agree that such
Feedback is provided voluntarily and may be used by Endowe Inc. without
restriction or obligation to you. Endowe Inc. may use Feedback for any purpose,
including to improve or modify the Platform, without compensation or
attribution.
Copyright Complaints
Endowe Inc. respects the intellectual
property rights of others. If you believe that content available through the
Platform infringes your copyright, you may submit a notice in accordance with
the Digital Millennium Copyright Act (DMCA).
Notices of claimed infringement should
be sent to: [email protected]. Please include
sufficient information to identify the copyrighted work and the allegedly
infringing material.
License, Intellectual Property, and Use of the Platform
Endowe Inc. grants you a limited,
non-exclusive, non-transferable, revocable license to access and use the
Platform for your personal, non-commercial use, subject to these Terms. This
license may be suspended or terminated if you violate these Terms.
The Platform, including all software,
designs, trademarks, logos, content, and functionality, is owned by Endowe Inc.
or its licensors and is protected by applicable intellectual property laws.
Except as expressly permitted by these Terms, you may not copy, modify,
distribute, sell, or create derivative works from any portion of the Platform
without Endowe Inc.’s prior written consent.
You agree to use the Platform only for
its intended purposes and in compliance with applicable law. You may not misuse
the Platform, including by attempting to gain unauthorized access, interfering
with its operation, scraping or harvesting data, introducing malicious code, or
engaging in unlawful, fraudulent, abusive, or deceptive conduct.
User Content
You are solely responsible for any
content you submit, post, or transmit through the Platform, including messages
or media shared in connection with a gift. By submitting User Content, you
grant Endowe Inc. a limited, non-exclusive, royalty-free license to host,
store, display, and process such content solely for the purpose of operating
and improving the Platform.
You represent that your User Content
complies with applicable law and does not infringe the rights of any third
party. Endowe Inc. reserves the right, but has no obligation, to remove or
restrict access to User Content that violates these Terms or is otherwise
objectionable.
Platform Availability, Security, and Disclaimers
The Platform and related information may
change from time to time. Access to the Platform may be interrupted or
unavailable due to maintenance, system limitations, network issues, or events
outside Endowe Inc.’s control.
While Endowe Inc. takes reasonable
measures to protect the Platform, no system can be guaranteed to be completely
secure. You are responsible for maintaining the security of your devices and
access credentials and for notifying Endowe Inc. of any unauthorized use of
your account.
The Platform is provided on an “as is”
and “as available” basis. To the fullest extent permitted by law, Endowe Inc.
disclaims all warranties, express or implied, including warranties of
merchantability, fitness for a particular purpose, and non-infringement.
Third-Party Services and External Platforms
The Platform may link to or integrate
with third-party services, including payments providers, broker-dealers,
custodians, investment advisers, or other service providers. Endowe Inc. does
not control and is not responsible for the content, availability, performance,
or practices of any third-party services.
Your use of third-party services is
governed solely by the applicable third party’s terms and disclosures. Endowe
Inc. does not endorse and assumes no liability for any products or services
provided by third parties.
Certain features of the Platform require
you to establish and maintain an account with an independent third-party
financial institution. To facilitate identity verification, account opening,
payment processing, and other requested services, the Platform may collect
certain personal and financial information required by these providers,
including sensitive personal information such as Social Security numbers. Such
information is encrypted during transmission and shared only with the
applicable third-party provider for verification and processing. Endowe Inc.
does not retain Social Security numbers or similar sensitive identity
verification information after it has been securely transmitted. Your use of
third-party services is governed by the applicable provider's terms, privacy
policies, and disclosures. Endowe Inc. does not control, and is not responsible
for, the acts, omissions, or services of any third-party provider.
Advertising and Marketing
Endowe Inc. may promote its platform and
services through advertising and marketing activities, including on social
media, websites, and other media channels. Such marketing relates solely to the
Endowe Inc. platform and does not constitute investment advice or a
solicitation for investment advisory services.
Any references to financial concepts,
gifting, or investing in marketing materials are for informational and
promotional purposes only. Investment advisory services, if offered, are
provided separately by Endowe Advisory LLC pursuant to applicable agreements
and disclosures. Endowe Inc. is not responsible for the content or practices of
third-party platforms on which advertisements may appear.
Limitation of Liability
To the fullest extent permitted by law,
Endowe Inc. and its affiliates, officers, directors, employees, and agents will
not be liable for any indirect, incidental, consequential, special, or punitive
damages arising out of or related to your use of the Platform.
To the extent liability is not otherwise
disclaimed, Endowe Inc.’s total liability to you for any claim arising out of
or relating to the Platform will not exceed the amount, if any, paid by you to
Endowe Inc. during the twelve (12) months preceding the event giving rise to
the claim.
Suspension and Termination
Endowe Inc. may suspend or terminate
your access to the Platform if you violate these Terms or misuse the Platform.
You may stop using the Platform at any time. Termination does not affect any
rights or obligations that by their nature should survive termination.
Arbitration, Class Action Waiver, and Governing Law
Before initiating arbitration or any
legal proceeding, you agree to first contact Endowe Inc. and make a good-faith
effort to resolve the dispute informally.
Except as expressly stated otherwise,
any dispute or claim arising out of or relating to these Terms or the Platform
shall be resolved by binding arbitration on an individual basis. The
arbitration is governed by the Federal Arbitration Act and administered by the
American Arbitration Association under its Consumer Arbitration Rules. Either
party may bring qualifying claims in small claims court.
You may opt out of arbitration within
thirty (30) days of first accessing the Platform by providing written notice to
Endowe Inc. Opting out does not affect any other part of these Terms.
You agree to bring claims only in your
individual capacity and waive the right to participate in any class,
collective, or representative action. If a court determines that this waiver is
unenforceable with respect to a claim for public injunctive relief, that claim
may proceed in court while all other claims remain subject to arbitration.
Except for the arbitration agreement (which is governed by the
Federal Arbitration Act), these Terms are governed by the laws of the State of
Delaware.
Indemnification and Equitable Relief
You agree to indemnify and hold harmless
Endowe Inc. and its affiliates from any claims, losses, liabilities, damages,
and expenses arising out of your use or misuse of the Platform, your violation
of these Terms or applicable law, or your content or interactions with third
parties.
You acknowledge that a breach of these
Terms may cause irreparable harm to Endowe Inc. and that Endowe Inc. may seek
injunctive or other equitable relief in addition to any other remedies
available at law.
These
Terms constitute the entire agreement between you and Endowe Inc. regarding
your use of the Platform and supersede any prior or contemporaneous agreements
or understandings relating to the Platform. If any provision of these Terms is
held to be invalid or unenforceable, the remaining provisions will remain in
full force and effect.
If you
have questions regarding these Terms or the Platform, please contact Endowe
Inc. at [email protected].