Get In Touch

TERMS OF SERVICE

Effective Date: January 15, 2026

Welcome to Smooth 401k. These Terms of Service (“Terms”) govern your access to and use of the Smooth 401k website, mobile applications, and online platform (collectively, the “Services”). By accessing our Services, you agree to be bound by these Terms.

1. Eligibility and Account Security

To use our Services, you must be at least 18 years old and a resident of the United States.

  • Account Responsibility: You are responsible for maintaining the confidentiality of your login credentials.

  • Unauthorized Access: You must notify us immediately of any unauthorized use of your account. Smooth 401k is not liable for losses caused by unauthorized access to your account.

2. No Investment Advice or Fiduciary Relationship

Unless you have entered into a separate, written Investment Advisory Agreement with Smooth 401k, the content on this website is for informational purposes only.

  • Not Advice: The information provided does not constitute financial, investment, legal, or tax advice.

  • No Guarantee: Past performance is not indicative of future results. All investments involve risk, including the potential loss of principal.

3. User Conduct and Prohibited Activities

You agree not to:

  • Use the Services for any fraudulent or illegal purposes.

  • Interfere with the security-related features of the website.

  • Use any “robot,” “spider,” or automated device to monitor or copy our web pages.

  • Attempt to reverse-engineer any part of the platform.

4. Intellectual Property Rights

All content, logos, trademarks, and software on this site are the property of Smooth 401k or its licensors. You are granted a limited, non-exclusive license to access the site for personal, non-commercial use only.

5. Third-Party Links and Tools

Our Services may contain links to third-party websites (e.g., plan recordkeepers like Fidelity or Vanguard). Smooth 401k does not control and is not responsible for the content, privacy policies, or practices of any third-party sites.

6. Disclaimers and Limitation of Liability

  • “As-Is” Basis: The Services are provided on an “as-is” and “as-available” basis without warranties of any kind.

  • Limitation of Liability: To the maximum extent permitted by law, Smooth 401k shall not be liable for any indirect, incidental, or consequential damages resulting from your use of the Services.

7. Governing Law and Dispute Resolution

  • Governing Law: These Terms are governed by the laws of the State of [Insert State, e.g., Delaware], without regard to conflict of law principles.

  • Mandatory Arbitration: Any dispute arising from these Terms will be settled through binding arbitration in [Insert City/State], rather than in court. You waive your right to participate in a class-action lawsuit.

8. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of significant changes by posting a notice on our website or via email. Your continued use of the Services after such changes constitutes acceptance of the new Terms.

9. Contact Information

If you have questions regarding these Terms, please contact: Smooth 401k Legal Department [Insert Address] [Insert Email Address] [Insert Phone Number]

Key Compliance Checklist for Smooth 401k:

  1. SEC/FINRA Compliance: Ensure your compliance officer reviews the “No Investment Advice” section to ensure it aligns with your specific registration status (RIA vs. Broker-Dealer).

  2. Electronic Consent: If you deliver plan documents electronically, you may need a separate ESIGN Act Disclosure linked within these terms.

  3. State Licensing: Since you cover “most states,” ensure your “Governing Law” section selects a state where you have a primary physical presence.