Terms of Service

These Terms of Service ("Terms") govern your access to and use of Ballad Tree's software platform, website at balladtree.com, and related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you may not use the Service.

1. Description of Service

Ballad Tree provides a software platform designed for employees participating in employer-sponsored financial wellness programs. The Service includes:

• A personalized financial dashboard showing net worth, goals, and spending insights
• Budgeting and goal-tracking tools for emergency funds, debt payoff, and more
• Automated SMS account notifications (for users who opt in)
• Employer-connected wellness program participation

The Service is intended for informational and educational purposes. The Service does not constitute licensed financial, investment, legal, or tax advice. Always consult a qualified professional for decisions specific to your financial situation.

2. Eligibility

To use the Service, you must be at least 18 years of age and an employee of an organization that has enrolled in Ballad Tree's employer financial wellness program. You must have a valid Employer ID provided by your HR or benefits team to create an account.

3. Account Registration

To access the Service, you must create an account by providing accurate and complete information, including your name, work email address, Employer ID, and mobile phone number (if opting into SMS). You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

You agree to notify us immediately at support@balladtree.com if you suspect unauthorized access to your account.

4. SMS Communications

Ballad Tree's SMS program sends automated, system-triggered notifications to users who opt in. Messages are generated by the Ballad Tree software in response to account activity and settings the user controls. Messages are not personalized financial advice. By opting in to SMS communications during onboarding, you agree to the following:

5. Financial Information Disclaimer

Ballad Tree is a software platform. It is not a bank, broker-dealer, or registered investment adviser. The dashboards, goal-tracking tools, and notifications provided through the Service are for informational and educational purposes only and do not constitute:

• Licensed financial, investment, tax, or legal advice
• A guarantee of financial outcomes

You should consult a licensed financial professional, attorney, or tax professional before making significant financial decisions. Ballad Tree is not responsible for any financial decisions you make based on information provided through the Service.

6. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Your employer will never have access to your individual financial data — only aggregate, anonymized wellness metrics.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Service
• Provide false or misleading information during registration
• Use another person's Employer ID or account credentials
• Interfere with or disrupt the integrity or performance of the Service

8. Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms or at the request of your employer. You may also delete your account at any time by contacting us at support@balladtree.com.

9. Limitation of Liability

To the fullest extent permitted by law, Ballad Tree shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, including any financial decisions made based on information provided through the Service.

10. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by updating the "Last Updated" date at the top of this page. Continued use of the Service after changes constitutes acceptance of the updated Terms.

11. Contact Us

For questions about these Terms, please contact us: