Terms of Service

Thank You for using Onesta

These Terms of Use apply when you use the products and services of Onesta Inc. (“Onesta”) or our affiliates, including our application programming interface, software, tools, developer services, data, documentation, and website (“Services”). The Terms include our Service Terms, Usage Policies, and other documentation, guidelines, or policies we may provide in writing. By using our Services, you agree to these Terms. Our Privacy Policy explains how we collect and use personal information.

Registration and Access

You must be 18 years or older and able to form a binding contract with Onesta to use the Services. If you use the Services on behalf of another person or entity, you must have the authority to accept the Terms on their behalf. You must provide accurate and complete information to register for an account. You may not make your access credentials or account available to others outside your organization, and you are responsible for all activities that occur using your credentials.

Usage Requirements

(a) Use of Services. You may access, and we grant you a non-exclusive right to use, the Services in accordance with these Terms. You will comply with these Terms and all applicable laws when using the Services. We and our affiliates own all rights, title, and interest in and to the Services.

(b) Restrictions. You may not (i) use the Services in a way that infringes, misappropriates or violates any person’s rights; (ii) reverse assemble, reverse compile, decompile, translate or otherwise attempt to discover the source code or underlying components of models, algorithms, and systems of the Services (except to the extent such restrictions are contrary to applicable law); (iii) use the Services to develop competing products or services; (iv) use any method to extract data from the Services, including web scraping, web harvesting, or web data extraction methods, other than as permitted through the API; (v) represent that output from the Services was human-generated when it is not. You will comply with any limits and other requirements in our documentation. You may use Services only in geographies currently supported by Onesta.

(d) Third Party Services. Any third party software, services, or other products you use in connection with the Services are subject to their own terms, and we are not responsible for third party products.


(a) Your Content. You may provide input to the Services (“Input”), and receive output generated and returned by the Services based on the Input (“Output”). Input and Output are collectively “Content.” As between the parties and to the extent permitted by applicable law, you own all Input, and subject to your compliance with these Terms, Onesta hereby assigns to you all its right, title and interest in and to Output. Onesta may use Content as necessary to provide and maintain the Services, comply with applicable law, and enforce our policies. You are responsible for Content, including for ensuring that it does not violate any applicable law or these Terms.

(b) Similarity of Content. Due to the nature of machine learning, Output may not be unique across users and the Services may generate the same or similar output for Onesta or a third party. For example, you may provide input to a model such as “What is the best financial advice?” and receive output such as “Invest in diversified stocks.” Other users may also ask similar questions and receive the same response. Responses that are requested by and generated for other users are not considered your Content.

(c) Use of Content to Improve Services. One of the main benefits of machine learning models is that they can be improved over time. To help Onesta provide and maintain the Services, you agree and instruct that we may use Content to develop and improve the Services. You can read more here about how Content may be used to improve model performance. We understand that in some cases you may not want your Content used to improve Services. You can opt out of having Content used for improvement by contacting support@onestafinance.com with your user email. Please note that in some cases this may limit the ability of our Services to better address your specific use case.

(d) Copyright Complaints. If you believe that your intellectual property rights have been infringed, please send notice to support@onestafinance.com. We may delete or disable content alleged to be infringing and may terminate accounts of repeat infringers.

Services and Advisor Screening

(a) Information: This service is provided for general educational, informational, and research purposes only and is not an endorsement, recommendation, or guarantee of any service, product, or professional. No advice or information, whether oral or written, obtained by you from Onesta or from the service shall create any warranty not expressly stated in the Terms of Service. The service is provided for informational purposes only, and no content included in the service is intended for trading or investing purposes. You may use the Services only to the extent that you obey all laws, rules, and regulations applicable to your use of the Services. onestafinance.com shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the service and shall not be responsible or liable for any trading or investment decisions based on such information.

(b) Advisor Screening and Information. Advisors are screened at the time they are initially enrolled into our service. Advisor information, received at the time of registration, may change or expire over time. It is the Advisors' responsibility to update their profile data for additions, changes, and deletions. While Onesta attempts to maintain accurate and up-to-date information, and may record changes when notified, Onesta screens Advisors solely at the time an Advisor becomes a member of the Onesta network the first time. Onesta does not, and cannot, exhaustively monitor each Advisor, and Onesta cannot guarantee that Advisor information is accurate and up-to-date. Furthermore, you acknowledge and understand that an Advisor may become part of our network and thereafter provide unethical, fraudulent, or misleading advice. Onesta’s screening process has no bearing on the future advice, services or results of an advisor. Inclusion in the network or matching of an advisor to you does not constitute an endorsement, recommendation, testimonial, or favoring by Onesta of any advisor, nor does it constitute a claim, whether explicit or implicit, by Onesta, that an advisor's qualifications, products, services, opinions, advice, or claims are superior, reputable, honest, ethical, competent or will result in exceptional financial returns.

(c) Referrals. Onesta is not involved in any transactions between individuals visiting the Site ("Users") and the advisors who receive referrals as a result of information provided by Users on the Site ("Advisors"). Onesta has no control over the quality or legality of any services provided by the Advisors to the Users or the quality or suitability of a given Advisor for a given User. You are encouraged to personally interview, obtain references and reach an independent decision about your choice of advisor. Onesta receives a fee from advisors listed in the service. Selection of a participating professional to represent or advise you in any matter is your sole responsibility. Past performance of any Advisor is not an indication of future performance.

(d) User Information Access. By submitting personal information through Onesta, you grant permission for Onesta to provide this information to the selected advisors. Onesta will use this information to allow the selected advisors to make contact with you direct message. We may also contact you directly to discuss your satisfaction with the service, but we will not provide your contact information to anyone else except if required by law.

(e) Product Solicitation. The information and materials found on Onesta are not an offer to sell or a solicitation of an offer to buy any security or investment product or service, nor shall any such security, product, or service be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.

(f) Advertisements. Onesta may post the advertisements of third parties on Onesta or in email communications. The acceptance by Onesta of advertising is not intended as, and does not in any manner constitute, a recommendation, endorsement, or approval by Onesta. Onesta shall not be liable for any loss or damage of any sort incurred as a result of any dealings with any advertiser, as a result of the presence of such advertisers on Onesta, or as a result of any dealings between you and any Investor.

(g) Usage Outliers. You expressly absolve and release Onesta from any claim of harm resulting from a cause beyond Onesta's control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, or governmental restrictions.

(h) Information Accuracy. Onesta may make available to you, on the site or otherwise, certain information, products and services. While Onesta endeavors to provide the most accurate, up-to-date information available, the information, products, and services available on this site may include inaccuracies or typographical errors. Moreover, Onesta may make modifications and/or changes in this site or in the information, products, and services described in this site at any time, for any reason. Onesta expressly disclaims all liability in connection with whichever of the advisors or users you, or anyone else, is potentially matched to and the manner/process used in such potential matching.

(i) Suitability. You assume the sole risk of making use of and/or relying on the information, products, and services available on this site or information otherwise provided to you by Onesta or obtained as a result of your use or other involvement with the site (the "available information"). Onesta makes no representations about the suitability, completeness, timeliness, reliability, legality, or accuracy of the information, products, and services described or contained on this site or the other available information for any purpose.

Fees and Payments

(a) Fees and Billing. You will pay all fees charged to your account (“Fees”) according to the prices and terms on the applicable pricing page, or as otherwise agreed between us in writing. We have the right to correct pricing errors or mistakes even if we have already issued an invoice or received payment. You will provide complete and accurate billing information including a valid and authorized payment method. We will charge your payment method on an agreed-upon periodic basis, but may reasonably change the date on which the charge is posted. You authorize Onesta and its affiliates, and our third-party payment processor(s), to charge your payment method for the Fees. If your payment cannot be completed, we will provide you written notice and may suspend access to the Services until payment is received. Fees are payable in U.S. dollars and are due upon invoice issuance. Payments are nonrefundable except as provided in this Agreement.

(b) Taxes. Unless otherwise stated, Fees do not include federal, state, local, and foreign taxes, duties, and other similar assessments (“Taxes”). You are responsible for all Taxes associated with your purchase, excluding Taxes based on our net income, and we may invoice you for such Taxes. You agree to timely pay such Taxes and provide us with documentation showing the payment, or additional evidence that we may reasonably require. Onesta uses the name and address in your account registration as the place of supply for tax purposes, so you must keep this information accurate and up-to-date.

(c) Price Changes. We may change our prices by posting notice to your account and/or to our website. Price increases will be effective 14 days after they are posted, except for increases made for legal reasons or increases made to Beta Services (as defined in our Service Terms), which will be effective immediately. Any price changes will apply to the Fees charged to your account immediately after the effective date of the changes.

(d) Disputes and Late Payments. If you want to dispute any Fees or Taxes, please contact support@onestafinance.com within thirty (30) days of the date of the disputed invoice. Undisputed amounts past due may be subject to a finance charge of 2.7% of the unpaid balance per month. If any amount of your Fees are past due, we may suspend your access to the Services after we provide you written notice of late payment.

(e) Free Trial. You may not create more than one account to benefit from credits provided in the free trial of the Services. If we believe you are not using the free trial in good faith, we may charge you standard fees or stop providing access to the Services.

Confidentiality, Security and Data Protection

(a) Security. You must implement reasonable and appropriate measures designed to help secure your access to and use of the Services. If you discover any vulnerabilities or breaches related to your use of the Services, you must promptly contact Onesta and provide details of the vulnerability or breach.

(b) Processing of Personal Data. If your use of the Services involves processing of personal data, you must provide legally adequate privacy notices and obtain necessary consents for the processing of such data, and you represent to us that you are processing such data in accordance with applicable law. If you are governed by the GDPR or CCPA and will be using Onesta for the processing of “personal data” as defined in the GDPR or “Personal Information,” please contact support@onesta.com to execute our Data Processing Addendum.

6. Term and Termination

(a) Termination. These Terms take effect when you first use the Services and remain in effect until terminated. You may terminate these Terms at any time for any reason by discontinuing the use of the Services and Content. We may terminate these Terms for any reason by providing you at least 30 days’ advance notice. We may terminate these Terms immediately upon notice to you if you materially breach Sections 2 (Usage Requirements), 5 (Confidentiality, Security and Data Protection), 8 (Dispute Resolution) or 9 (General Terms), if there are changes in relationships with third party technology providers outside of our control, or to comply with law or government requests.

(b) Effect on Termination. Upon termination, you will stop using the Services and you will promptly return or, if instructed by us, destroy any Confidential Information. The sections of these Terms which by their nature should survive termination or expiration should survive, including but not limited to Sections 2, 3, 4, 5 and 8-9

Indemnification; Disclaimer of Warranties; Limitations on Liability

(a) Indemnity. You will defend, indemnify, and hold harmless us, our affiliates, and our personnel, from and against any claims, losses, and expenses (including attorneys’ fees) arising from or relating to your use of the Services, including your Content, products or services you develop or offer in connection with the Onesta AI, and your breach of these Terms or violation of applicable law.

(b) Disclaimer. The services provided by Onesta are provided “as is.” except to the extent prohibited by law, Onesta and its affiliates and licensors make no warranties (express, implied, statutory or otherwise) with respect to the services, and disclaim all warranties including but not limited to warranties of merchantability, fitness for a particular purpose, satisfactory quality, non-infringement, and quiet enjoyment, and any warranties arising out of any course of dealing or trade usage. Onesta does not warrant that the services will be uninterrupted, accurate or error free, or that any content will be secure or not lost or altered.

(c) Limitations of Liability. Neither Onesta nor any of its affiliates or licensors will be liable for any indirect, incidental, special, consequential or exemplary damages, including damages for loss of profits, goodwill, use, or data or other losses, even if Onesta has been advised of the possibility of such damages. Onesta's aggregate liability under these terms shall not exceed ​​the greater of the amount you paid for the service that gave rise to the claim during the 12 months before the liability arose or one hundred dollars ($100). The limitations in this section apply only to the maximum extent permitted by applicable law.

Dispute Resolution

You agree to the following mandatory arbitration and class action waiver provisions:

(a) MANDATORY ARBITRATION. You and Onesta agree to resolve any claims relating to these Terms or our Services through final and binding arbitration, except that you have the right to opt out of these arbitration terms, and future changes to these arbitration terms, by emailing support@onestafinance.com within 30 days of agreeing to these arbitration terms or the relevant changes.

(b) Informal Dispute Resolution. We would like to understand and try to address your concerns prior to formal legal action. Before filing a claim against Onesta, you agree to try to resolve the dispute informally by sending us notice at support@onestafinance.com of your name, a description of the dispute, and the relief you seek. If we are unable to resolve a dispute within 60 days, you may bring a formal proceeding. Any statute of limitations will be tolled during the 60-day resolution process.

(c) Arbitration Forum. Either party may commence binding arbitration through ADR Services, an alternative dispute resolution provider. The parties will pay equal shares of the arbitration fees. If the arbitrator finds that you cannot afford to pay the arbitration fees and cannot obtain a waiver, Onesta will pay them for you. Onesta will not seek its attorneys’ fees and costs in arbitration unless the arbitrator determines that your claim is frivolous.

(d) Arbitration Procedures. The arbitration will be conducted by telephone, based on written submissions, video conference, or in person in San Diego, California or at another mutually agreed location. The arbitration will be conducted by a sole arbitrator by ADR Services under its then-prevailing rules. All issues are for the arbitrator to decide, including but not limited to issues relating to the scope, enforceability, and arbitrability of this Section. The amount of any settlement offer will not be disclosed to the arbitrator by either party until after the arbitrator determines the final award, if any.

(e). Exceptions. This arbitration clause does not require arbitration of the following claims: (i) individual claims brought in small claims court; and (ii) injunctive or other equitable relief to stop unauthorized use or abuse of the Services or intellectual property infringement.

(f) NO CLASS ACTIONS. Disputes must be brought on an individual basis only, and may not be brought as a plaintiff or class member in any purported class, consolidated, or representative proceeding. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed. If for any reason a dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding, or counterclaim. This does not prevent either party from participating in a class-wide settlement of claims.

(g) Severability. If any part of this Section 8 is found to be illegal or unenforceable, the remainder will remain in effect, except that if a finding of partial illegality or unenforceability would allow class or representative arbitration, this Section 8 will be unenforceable in its entirety. Nothing in this Section will be deemed to waive or otherwise limit the right to seek public injunctive relief or any other non-waivable right, pending a ruling on the substance of such claim from the arbitrator.

General Terms

(a) Relationship of the Parties. These Terms do not create a partnership, joint venture or agency relationship between you and Onesta or any of Onesta’s affiliates. Onesta and you are independent contractors and neither party will have the power to bind the other or to incur obligations on the other’s behalf without the other party’s prior written consent.

(b) Use of Brands. You may not use Onesta’s or any of its affiliates’ names, logos, or trademarks, without our prior written consent.

(c) U.S. Federal Agency Entities. The Services were developed solely at private expense and are commercial computer software and related documentation within the meaning of the applicable U.S. Federal Acquisition Regulation and agency supplements thereto.

(d) Assignment and Delegation. You may not assign or delegate any rights or obligations under these Terms, including in connection with a change of control. Any purported assignment and delegation shall be null and void. We may assign these Terms in connection with a merger, acquisition or sale of all or substantially all of our assets, or to any affiliate or as part of a corporate reorganization.

(e) Modifications. We may amend these Terms from time to time by posting a revised version on the website, or if an update materially adversely affects your rights or obligations under these Terms we will provide notice to you either by emailing the email associated with your account or providing an in-product notification. Changes will become effective no sooner than 30 days after we notify you. All other changes will be effective immediately. Your continued use of the Services after any change means you agree to such change.

(f) Notices. All notices will be in writing. We may notify you using the registration information you provided or the email address associated with your use of the Services. Service will be deemed given on the date of receipt if delivered by email or on the date sent via courier if delivered by post. Onesta accepts service of process at this address: Onesta, Po. Box 161442, San Diego, CA 92176, Attn: support@onestafinance.com.

(g) Waiver and Severability. If you do not comply with these Terms, and Onesta does not take action right away, this does not mean Onesta is giving up any of our rights. Except as provided in Section 8, if any part of these Terms is determined to be invalid or unenforceable by a court of competent jurisdiction, that term will be enforced to the maximum extent permissible and it will not affect the enforceability of any other terms.

(h) Export Controls. The Services may not be used in or for the benefit of, exported, or re-exported (a) into any U.S. embargoed countries (collectively, the “Embargoed Countries”) or (b) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals, any other restricted party lists (existing now or in the future) identified by the Office of Foreign Asset Control, or the U.S. Department of Commerce Denied Persons List or Entity List, or any other restricted party lists. You represent and warrant that you are not located in any Embargoed Countries and not on any such restricted party lists. You must comply with all applicable laws related to Embargoed Countries or Restricted Party Lists, including any requirements or obligations to know your end users directly.

(i) Equitable Remedies. You acknowledge that if you violate or breach these Terms, it may cause irreparable harm to Onesta and its affiliates, and Onesta shall have the right to seek injunctive relief against you in addition to any other legal remedies.

(j) Entire Agreement. These Terms and any policies incorporated in these Terms contain the entire agreement between you and Onesta regarding the use of the Services and, other than any Service specific terms of use or any applicable enterprise agreements, supersedes any prior or contemporaneous agreements, communications, or understandings between you and Onesta on that subject.

(k) Jurisdiction, Venue and Choice of Law. These Terms will be governed by the laws of the State of California, excluding California’s conflicts of law rules or principles. Except as provided in the “Dispute Resolution” section, all claims arising out of or relating to these Terms will be brought exclusively in the federal or state courts of San Francisco County, California, USA.