Effective 2026. By using Steady Finance Path services, you agree to these Terms. Please read them carefully before accessing any financial products.

You must be at least 18 years of age, a legal resident of a supported jurisdiction, and possess valid identification to use our financial services. Certain products may have additional age, income, or residency requirements based on regulatory standards.

All loan approvals are subject to creditworthiness assessment, income verification, and debt-to-income ratio analysis. Interest rates, fees, and repayment terms are disclosed in your loan agreement. Late payments may incur penalties and impact your credit score.

Investment products including mutual funds, stocks, gold, and other securities involve risk, including possible loss of principal. Past performance does not guarantee future results. We are not liable for market losses and recommend diversified portfolios aligned with your risk tolerance.

Insurance coverage is subject to the terms, conditions, exclusions, and deductibles specified in each policy document. Steady Finance Path acts as a licensed broker and is not the underwriter. Claims are processed according to the issuing insurer's procedures and timelines.

Home and auto warranty plans are service contracts, not insurance policies. Coverage is limited to the components and systems explicitly listed in your specific plan. Pre-existing conditions, improper maintenance, and cosmetic damage are excluded from coverage.

Wealth management services are provided by certified financial advisors. Advisory fees range from 0.75% to 1.25% annually on assets under management, billed quarterly. Estate planning, tax optimization, and retirement planning may involve additional fees disclosed in your advisory agreement.

Digital payment services including cards, wallets, P2P transfers, and payment gateways are subject to transaction limits, fraud monitoring, and applicable payment network rules. Unauthorized transactions must be reported within 60 days for zero-liability protection to apply.

All fees associated with our services are disclosed upfront in your service agreement. We do not charge hidden fees. Investment expense ratios, insurance premiums, loan origination fees, and warranty deductibles are clearly itemized before you commit to any service.

You are responsible for maintaining the confidentiality of your login credentials, enabling two-factor authentication, and promptly reporting any unauthorized access. We are not liable for losses resulting from your failure to safeguard authentication credentials or shared device access.

Our total liability for any claim arising from financial services shall not exceed the fees paid to Steady Finance Path in the 12 months preceding the event. We are not liable for indirect, consequential, or market-related losses, including investment declines or loan interest accruals.

We reserve the right to modify, suspend, or discontinue any financial service, feature, or pricing structure at any time. Material changes to service terms will be communicated at least 30 days in advance, with the option to close affected accounts without penalty.

You agree to indemnify and hold Steady Finance Path, its officers, advisors, and partners harmless from any claims, damages, losses, or expenses — including legal fees — arising from your misuse of services, inaccurate information provided, violation of these Terms, or breach of regulatory obligations.