Terms of Service

These Terms govern your use of nivawealth.com (the “Site”), published by Niva Wealth (“Niva Wealth,” “we,” “us” or “our”). By using the Site you agree to them. If you do not agree, do not use the Site.

1. What the Site Is

The Site publishes factual profiles of SEC-registered investment advisers and the people named on their public filings, compiled from each firm’s Form ADV and the SEC’s Investment Adviser Public Disclosure records, and financial planning guides written by a licensed adviser. Every figure on a profile carries the date of the filing it came from and a link to the source document.

2. Not Advice, Not a Recommendation

Niva Wealth is not a registered investment adviser, broker-dealer, accountant or law firm, and the Site is not an offer of advisory services. Profiles restate public records and do not rate, rank, endorse or recommend any firm or person. Guides are general education, not personalized investment, tax or legal advice; your own circumstances and documents govern.

The guides are signed by a representative of Simple Money Advisors LLC, a California-registered investment adviser. Any advisory relationship you enter with that firm is governed by its own agreement and disclosures, not by these Terms. Niva Wealth is not affiliated with the firms or people profiled on the Site.

3. Accuracy and Corrections

We compile profiles carefully from public filings, but filings change and extraction can err. If you are a firm or an individual profiled on the Site and believe a figure is wrong, email hello@nivawealth.com with the SEC document that shows the correct value, and we will review and correct it.

4. Intellectual Property

The Site’s text, design and compiled presentation are owned by Niva Wealth or its licensors. The underlying public filings belong to the public record. You may read, link to and quote the Site for personal, non-commercial purposes with attribution; you may not copy the Site wholesale, republish it, or use automated means to extract its contents at scale without our written permission.

5. Acceptable Use

You agree not to interfere with the Site’s operation, attempt to gain unauthorized access to its systems, or use it for any unlawful purpose.

6. Third-Party Sites

The Site links to third-party websites, including the SEC’s, the profiled firms’ own sites and a scheduling service. We do not control and are not responsible for them.

7. Disclaimer of Warranties

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ACCURACY, COMPLETENESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NIVA WEALTH AND ITS OFFICERS, EMPLOYEES AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF OR RELIANCE ON THE SITE.

9. Changes

We may revise these Terms at any time by posting the revised version here. The “Last Updated” date reflects the most recent revision. Continued use of the Site after a change means you accept it.

10. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles.

11. Contact