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Terms & Conditions

Effective Date: January 12, 2025

Welcome to TUVO Cash ("we," "our," or "us"). By accessing or using our financial services ("Services"), you agree to comply with and be bound by the following Terms and Conditions ("Agreement"). Please read this Agreement carefully. If you do not agree with any part of these terms, you must not use our Services.

1. Definitions

  • "Client": An individual or entity that has entered into a contractual relationship with TUVO Cash to receive financial services.

  • "Services": Financial products and services provided by TUVO Cash, including but not limited to investment advice, portfolio management, and financial planning.

  • "Agreement": These Terms and Conditions governing the use of our Services.

2. Services Provided

TUVO Cash offers a range of financial services tailored to meet the diverse needs of our Clients. A detailed description of our Services is available on our website and may include:

  • Financial Planning: Developing comprehensive financial strategies to help Clients achieve their long-term financial goals.

  • Investment Advisory: Providing personalized investment advice based on market analysis and Client objectives.

  • Portfolio Management: Managing investment portfolios to align with Clients' risk tolerance and financial aspirations.

3. Client Responsibilities

As a Client, you agree to:

  • Provide Accurate Information: Ensure all personal, financial, and investment information provided to us is accurate and up-to-date.

  • Review Communications: Regularly review statements, reports, and other communications from TUVO Cash to stay informed about your financial matters.

  • Notify of Changes: Promptly inform us of any changes in your financial situation, investment objectives, or contact information.

  • Comply with Laws: Adhere to all applicable laws and regulations related to your financial activities and use of our Services.

4. Fees and Charges

Our Services are subject to fees, which are outlined in our Fee Schedule. By utilizing our Services, you agree to pay all applicable fees as described. Fees may include:

  • Advisory Fees: Charges for financial planning and investment advisory services, typically calculated as a percentage of assets under management.

  • Transaction Fees: Costs associated with buying or selling investments on your behalf.

  • Other Charges: Additional fees for specialized services or products, as agreed upon in writing.

5. Confidentiality and Data Protection

We are committed to protecting your privacy and safeguarding your personal and financial information. Your data will be handled in accordance with our Privacy Policy, which outlines:

  • Data Collection: Types of personal and financial information we collect.

  • Data Usage: How your information is used to provide and improve our Services.

  • Data Sharing: Circumstances under which your information may be shared with third parties, such as service providers or regulatory authorities.

  • Data Security: Measures we take to protect your information from unauthorized access or disclosure.

6. Investment Risks

Investments involve risks, including the potential loss of principal. Past performance does not guarantee future results. You acknowledge and accept the inherent risks associated with investing, and agree to hold TUVO Cash harmless from any adverse outcomes, except those arising from gross negligence or willful misconduct.

7. Limitation of Liability

To the fullest extent permitted by law, TUVO Cash and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages arising out of or in connection with the use of our Services. Our total liability shall not exceed the fees paid by you for the specific Service giving rise to the claim.

8. Termination of Services

Either party may terminate the provision of Services with 45 days' written notice. Upon termination:

  • Outstanding Fees: You remain responsible for any fees incurred up to the termination date.

  • Transfer of Assets: We will assist in transferring your assets to a designated account or custodian, subject to applicable fees and charges.

  • Confidentiality: Both parties shall continue to uphold confidentiality obligations post-termination.

9. Force Majeure

TUVO Cash shall not be held liable for any failure or delay in performance under this Agreement due to causes beyond our reasonable control, including but not limited to natural disasters, acts of government, or technological failures.

10. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the state of Illinois, without regard to its conflict of law principles.

11. Dispute Resolution

Any disputes arising out of or relating to this Agreement shall be resolved through binding arbitration in Chicago, Illinois, conducted by a single arbitrator in accordance with the rules of the American Arbitration Association.

12. Amendments

TUVO Cash reserves the right to amend or modify this Agreement at any time. Clients will be notified of significant changes, and continued use of our Services constitutes acceptance of the revised terms.

13. Severability

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14. Entire Agreement

This Agreement, along with any applicable Fee Schedules, Privacy Policies, and other documents referenced herein, constitutes the entire understanding between you and TUVO Cash regarding the provision of Services, superseding all prior agreements or understandings.

15. Contact Information

For questions or concerns regarding this Agreement or our Services, please contact us at:

TUVO Cash
100 South State Street
Chicago, Illinois, 60603
cash@tuvocash.com

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