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Terms of Service

Effective Date: January 1, 2025 · Last Updated: March 15, 2025

Please read these Terms of Service carefully before using NorthBridge Wealth's website or services. By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our Services.

Table of Contents

  1. Acceptance of Terms
  2. Description of Services
  3. Not Investment Advice
  4. Eligibility
  5. User Accounts
  6. Acceptable Use
  7. Intellectual Property
  8. Disclaimers
  9. Limitation of Liability
  10. Indemnification
  11. Termination
  12. Governing Law
  13. Changes to Terms
  14. Contact Information

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website, mobile applications, and services (collectively, the "Services") provided by NorthBridge Wealth, LLC ("NorthBridge," "Company," "we," "our," or "us").

By accessing our website, completing our financial assessment, or engaging with any of our services, you affirm that you are at least 18 years old, have read and understood these Terms, and agree to be legally bound by them, along with our Privacy Policy, which is incorporated herein by reference.

2. Description of Services

NorthBridge Wealth provides an online platform that connects individuals with independent, fee-only financial advisors. Our Services include:

  • A financial assessment tool to evaluate your financial situation and goals
  • Personalized financial profile generation based on assessment responses
  • Matching with credentialed financial advisors
  • Access to financial education resources, articles, and guides
  • Facilitation of advisory relationships between clients and independent advisors

NorthBridge Wealth is a referral and matching platform. Individual advisory services are provided by independent registered investment advisors (RIAs) who are separate legal entities from NorthBridge Wealth, LLC.

3. Not Investment Advice

Important: The content on our website, including our financial assessment results, articles, calculators, and educational materials, is provided for informational purposes only and does not constitute personalized investment, tax, legal, or financial advice.

No content provided through our website or automated tools should be construed as a recommendation to buy, sell, or hold any security or financial product. Investment decisions should be made in consultation with a qualified financial professional who understands your complete financial situation.

Past performance of any investment or financial strategy is not indicative of future results. All investments involve risk, including the possible loss of principal.

4. Eligibility

To use our Services, you must:

  • Be at least 18 years of age
  • Be a legal resident of the United States
  • Have the legal capacity to enter into a binding contract
  • Not be barred from using the Services under applicable law

By using our Services, you represent and warrant that you meet all eligibility requirements. We reserve the right to verify your eligibility and to refuse service to anyone who does not meet these requirements.

5. User Accounts

When you create an account with NorthBridge Wealth, you are responsible for:

  • Providing accurate, current, and complete information
  • Maintaining the confidentiality of your account credentials
  • All activity that occurs under your account
  • Notifying us immediately of any unauthorized access to your account

You may not share your account credentials with others or allow third parties to access your account. We are not liable for any loss or damage arising from your failure to comply with these security obligations.

6. Acceptable Use

You agree not to use our Services to:

  • Provide false, misleading, or inaccurate information
  • Violate any applicable laws or regulations
  • Infringe upon the intellectual property rights of others
  • Transmit any harmful, offensive, or unlawful content
  • Attempt to gain unauthorized access to any system or network
  • Interfere with or disrupt the integrity or performance of our Services
  • Use automated tools to scrape, crawl, or extract data from our platform
  • Impersonate any person or entity

7. Intellectual Property

All content on our website and platform — including text, graphics, logos, images, audio clips, and software — is the property of NorthBridge Wealth, LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to access and use our Services for personal, non-commercial purposes. This license does not include the right to reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content from our Services.

8. Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

NorthBridge Wealth does not warrant that: (a) the Services will be uninterrupted, timely, secure, or error-free; (b) the results obtained from use of the Services will be accurate or reliable; or (c) any errors in the Services will be corrected.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NORTHBRIDGE FINANCIAL, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

  • Your access to or use of (or inability to access or use) the Services
  • Any conduct or content of third parties, including advisors on our platform
  • Any financial decisions made based on content from our Services
  • Unauthorized access, use, or alteration of your transmissions or content

Our total liability to you for any claim arising out of or relating to these Terms or our Services shall not exceed the greater of $100 or the amount you paid us in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless NorthBridge Wealth, LLC, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to:

  • Your violation of these Terms
  • Your use of the Services
  • Any content you submit or transmit through the Services
  • Your violation of any rights of another party
  • Your violation of any applicable laws or regulations

11. Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, and with or without notice. Reasons for termination may include, but are not limited to, violation of these Terms, fraudulent or illegal activity, or extended inactivity.

You may terminate your account at any time by contacting us at support@northbridgefinancial.com. Upon termination, your right to use the Services will immediately cease, though certain provisions of these Terms will survive termination as noted.

12. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of the Services shall first be submitted to non-binding mediation. If mediation is unsuccessful, disputes shall be resolved by binding arbitration in New York, New York, conducted by the American Arbitration Association under its Commercial Arbitration Rules. You waive your right to participate in any class action lawsuit or class-wide arbitration.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the new Terms on our website and, where appropriate, by email notification. The date of the most recent revision will always be noted at the top of this page.

Your continued use of our Services after any changes constitutes your acceptance of the new Terms. If you do not agree with the updated Terms, you must stop using our Services.

14. Contact Information

If you have questions about these Terms, please contact us:

  • Email: legal@northbridgefinancial.com
  • Mail: NorthBridge Wealth, LLC · Attn: Legal Department · 1200 Wealth District Blvd, Suite 400 · New York, NY 10004
  • Phone: (800) 555-0197
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© 2025 NorthBridge Wealth. All rights reserved. NorthBridge Wealth is an independent financial services company. Investment advisory services involve risk. Past performance is not indicative of future results.