Terms of Service

These Terms govern your use of Journey’s websites and products, including JIVA, our AI agent. By creating an account or using Journey, you agree to them.

If your employer provides Journey to you, your employer’s relationship with Journey is governed by a separate agreement between them. These Terms govern your individual use.

Your account

Keep your account information accurate and your credentials secure. Your account is personal to you and is not controlled by your employer — see our Privacy Policy for exactly what that means. You must be legally able to enter into these Terms to create an account.

The service

Journey helps you understand and manage your compensation, benefits, and equity, using AI and human experts. Our AI Disclosures are part of these Terms: they explain what Journey’s AI can and cannot do, its limitations, and why its outputs are informational and educational. Read them.

We are always improving Journey. Features may change, and some features depend on your employer’s subscription or on third-party integrations.

Acceptable use

Use Journey lawfully and honestly. You agree not to:

• break the law or infringe anyone’s rights while using Journey;
• submit false or misleading information, especially in anything transmitted to your employer, a plan administrator, or an insurer — for example, a qualifying life event you did not experience;
• access or attempt to access anyone else’s account or data;
• probe, disrupt, or circumvent Journey’s security or technical safeguards;
• scrape the service or access it by automated means outside features we provide;
• reverse engineer the service, except where the law gives you that right;
• resell or misuse the service in ways it obviously isn’t intended for.

We may suspend or terminate accounts that violate these rules.

Your information

You retain the rights you have in the information you provide to Journey, and you represent that you have the rights and permissions necessary to provide it. You give Journey the limited permission needed to host, process, and use that information to provide, secure, maintain, and improve the service, as described in our Privacy Policy. You are responsible for the accuracy of information you submit, particularly anything you explicitly submit onward to your employer or a benefits provider.

Connected accounts

When you connect a financial account or authorize an integration, you authorize Journey to retrieve your data from it on your behalf. You can disconnect at any time. Disconnecting stops Journey from retrieving new data from that institution. Information already imported stays in your account, which you can maintain manually, until you delete the account or ask us to delete it. If you revoke Journey’s access through the data provider or your bank, we delete the data retrieved through that connection. Connections are read-only where stated; Journey cannot move money through them.

Actions you authorize

Journey takes consequential actions — like submitting an enrollment — only with your explicit authorization. Review before you submit: what you authorize is your action, and deadlines you are subject to remain your responsibility, as described in the AI Disclosures.

Journey’s property

Journey’s software, design, and content belong to Journey Technologies Inc. and its licensors. These Terms don’t give you any rights in them beyond using the service.

Third-party services

Journey connects to third-party systems (your employer’s providers, financial institutions, integration partners). Their services are governed by their own terms, and Journey is not responsible for them.

Disclaimers

Journey is provided “as is.” We work hard to make it accurate and reliable, but we don’t guarantee it will be error-free, uninterrupted, or that any output is complete or correct — see the AI Disclosures. We don’t guarantee outcomes.

JOURNEY IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, JOURNEY TECHNOLOGIES INC. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW: (A) JOURNEY WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, OR GOODWILL; (B) JOURNEY IS NOT LIABLE FOR DECISIONS YOU MAKE BASED ON INFORMATIONAL OR EDUCATIONAL OUTPUTS, AS DESCRIBED IN THE AI DISCLOSURES; AND (C) JOURNEY’S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF $100 OR THE AMOUNTS YOU PAID JOURNEY IN THE TWELVE MONTHS BEFORE THE CLAIM. These limits do not apply where the law does not permit them, and nothing in these Terms waives rights that cannot be waived.

Ending your use

You can stop using Journey and delete your account at any time. Journey may suspend or terminate access when reasonably necessary to enforce these Terms, protect Journey or others, address fraud or security risks, comply with law, or discontinue the service. If your employer’s sponsorship ends, our Privacy Policy describes what happens to your account — short version: it stays yours.

Disputes

Talk to us first. Before filing a claim, email legal@usejourneywealth.com and give us 30 days to try to resolve it informally.

Arbitration. Any dispute we can’t resolve informally will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. The Federal Arbitration Act governs this section. Either party may instead bring an individual claim in small claims court, and either party may seek injunctive relief in court to protect intellectual property or the security of the service.

No class actions. DISPUTES ARE RESOLVED ON AN INDIVIDUAL BASIS ONLY. YOU AND JOURNEY EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION.

Your right to opt out. You can opt out of this arbitration section entirely by emailing legal@usejourneywealth.com within 30 days of first accepting these Terms, stating your name and that you opt out of arbitration. Opting out does not affect any other part of these Terms.

Governing law. These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, except where the consumer-protection laws of your home state mandatorily apply.

General

These Terms, together with the policies they reference, are the entire agreement between you and Journey about your individual use of the service, and they don’t limit any separate agreement that applies to you. You may not assign or transfer these Terms or your account; Journey may assign these Terms in connection with a merger, acquisition, or reorganization. If part of these Terms is found unenforceable, the rest remains in effect. If we don’t enforce a provision, we can still enforce it later. We may provide notices electronically, through the service or the contact details on your account. Sections that by their nature should survive — including Journey’s property, disclaimers, limitation of liability, and disputes — survive the end of these Terms.

Changes to these Terms

We may update these Terms. If changes are material, we’ll notify you and, where required, ask you to accept them again. The date above reflects the latest revision.

Contact

legal@usejourneywealth.com
Journey Technologies Inc.
169 Madison Ave STE 54155
New York, NY 10016
United States