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Last updated: October 19, 2026
Please read these Terms of Service ("Terms") carefully before using the FortemFI website, mobile application, or financial wellness platform (collectively, the "Services") operated by FortemFi, Inc. ("FortemFI," "we," "us," or "our").
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our Services.
You must be at least 18 years of age to use our Services. By agreeing to these Terms, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement. If you are using the Services on behalf of a public sector agency or organization, you represent that you have authority to bind that entity to these Terms.
To access certain features of the Services, you may be required to create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information up to date.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at help@fortemfi.com of any unauthorized use of your account.
You agree to use the Services only for lawful purposes and in accordance with these Terms. You agree not to:
FortemFI may provide text messaging (SMS) functionality that allows participating organizations and their authorized administrators ("Customer Administrators") to send messages to employees in connection with their use of the FortemFI platform. By accessing or using this functionality, the participating organization ("Customer") agrees to the following requirements.
a. Permitted Messages
All text messages created or sent by Customer Administrators must be strictly informational, non-promotional, and directly related to the recipient's access to or use of the FortemFI platform. Permitted messages may include notifications regarding newly available educational content, platform updates, service announcements, account-related information, and other relevant operational communications.
b. Prohibited Content
Customers and Customer Administrators may not use FortemFI's text messaging functionality to send:
c. Employee Phone Numbers and Consent
Customers may provide mobile phone numbers only for individuals who are their own employees and are authorized to access the FortemFI platform. Customers may not upload or use phone numbers belonging to unrelated individuals, external marketing lists, or other third parties.
Customers are solely responsible for ensuring that they have obtained and documented all legally required permissions and consents before submitting employee phone numbers or initiating text messages. Providing an employee's phone number does not, by itself, establish consent to receive text messages.
Customers must honor all applicable opt-out requests and ensure that messages are not sent to individuals who have withdrawn consent or otherwise indicated that they do not wish to receive text messages.
d. Legal and Carrier Compliance
Customers are responsible for ensuring that their use of FortemFI's text messaging functionality complies with all applicable laws, regulations, and industry requirements, including the Telephone Consumer Protection Act (TCPA), applicable Federal Communications Commission (FCC) rules, state telemarketing and privacy laws, and applicable wireless carrier and messaging provider requirements, including CTIA messaging guidelines.
Customers are responsible for the content, accuracy, appropriateness, recipient authorization, and lawful transmission of all messages created or initiated by their Customer Administrators.
e. Monitoring and Enforcement
FortemFI reserves the right, in its sole discretion, to review, filter, reject, block, or prevent delivery of any text message that it reasonably believes violates these Terms, applicable law, or carrier requirements.
FortemFI may suspend, restrict, or permanently disable text messaging functionality for any Customer that violates these requirements, without prior notice. Such action may be taken without suspending the Customer's access to other FortemFI Services.
FortemFI does not guarantee delivery of any text message and is not responsible for messages blocked, delayed, filtered, or rejected by telecommunications carriers or messaging service providers.
f. Customer Responsibility and Indemnification
Customers are solely responsible for all text messages written, submitted, or initiated by their Customer Administrators, including any resulting legal or regulatory violations, recipient complaints, or third-party claims.
To the fullest extent permitted by applicable law, Customers agree to indemnify, defend, and hold harmless FortemFI, its affiliates, officers, directors, employees, agents, and service providers from and against any claims, demands, actions, liabilities, damages, penalties, fines, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
These obligations survive suspension or termination of the Customer's access to the Services, to the extent permitted by applicable law.
The Services provide financial wellness tools, educational content, and AI-generated recommendations for informational purposes only. FortemFI is not a registered investment adviser, broker-dealer, financial planner, or tax advisor. Nothing on the Services constitutes financial, investment, legal, or tax advice. You should consult a qualified financial professional before making any financial decisions.
Retirement projections, savings estimates, and benchmark comparisons are provided as general guidance only and are not guarantees of future results. Actual outcomes will vary based on individual circumstances.
Certain features of the Services are available only through a paid subscription. By subscribing, you agree to pay the applicable fees as described on our pricing page. All fees are stated in U.S. dollars and are exclusive of applicable taxes unless otherwise noted.
Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You may cancel your subscription at any time through your account settings or by contacting us at help@fortemfi.com. Refunds are not provided for partial subscription periods except where required by applicable law.
We reserve the right to change our pricing at any time. We will provide at least 30 days' notice before any price increase takes effect for existing subscribers.
The Services and all content, features, and functionality — including but not limited to text, graphics, logos, icons, software, and data compilations — are owned by FortemFI or its licensors and are protected by U.S. and international copyright, trademark, and other intellectual property laws.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or internal business purposes. You may not reproduce, distribute, modify, or create derivative works of any content from the Services without our prior written consent.
You retain ownership of any financial data, documents, or other content you upload or submit to the Services ("User Content"). By submitting User Content, you grant FortemFI a non-exclusive, worldwide, royalty-free license to use, process, and store your User Content solely to provide and improve the Services.
You represent and warrant that you have all rights necessary to submit User Content and that your User Content does not violate any third-party rights or applicable laws.
The Services may integrate with third-party platforms such as HRIS systems, payroll providers, and credit bureaus. Your use of any third-party service is governed by that party's own terms and privacy policies.
FortemFI is not responsible for the practices, content, or availability of any third-party services.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FORTEMFI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL — ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO FORTEMFI IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100.
You agree to indemnify, defend, and hold harmless FortemFI and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your User Content, or your violation of these Terms.
We reserve the right to suspend or terminate your access to the Services at any time, with or without cause or notice, including if we reasonably believe you have violated these Terms.
Upon termination, your right to use the Services will immediately cease. Provisions of these Terms that by their nature should survive termination will survive, including intellectual property rights, disclaimers, and limitations of liability.
These Terms are governed by the laws of the United States and the state in which FortemFi, Inc. is incorporated, without regard to conflict of law principles.
Any disputes arising from or related to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction to prevent irreparable harm.
We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last updated" date.
Your continued use of the Services after changes become effective constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
If you have questions about these Terms, please contact us at: