Steady Terms of Service
These Terms of Service (“Terms”) govern your access and use of the applications, websites, content and products constituting the Services (as described below) which are made available by Steady Platform, Inc., dba SteadyIQ, ( “SteadyIQ”, “we,” “our,” or “us”) on steadyapp.com, steadyiq.com, or steadyimpact.com (the “Site”). In these Terms, the words “including” and “include” mean “including, but not limited to.”
PLEASE READ THESE TERMS CAREFULLY, AS THEY CONSTITUTE A LEGAL AGREEMENT BETWEEN YOU AND STEADYIQ.
By accessing or using the Site and Services, you confirm your agreement to be bound by these Terms (“Agreement”). If you do not agree to these Terms, you may not access or use the Services. These Terms expressly supersede prior agreements or arrangements with you.
IMPORTANT: EXCEPT FOR REGISTERED USERS WHO ARE REFERRED THROUGH A REFERRING ENTITY (AS DEFINED BELOW) THAT EXPRESSLY PROHIBITS THE APPLICATION OF THE ARBITRATION PROVISION TO SUCH REGISTERED USERS, PLEASE REVIEW CAREFULLY THE ARBITRATION PROVISION SET FORTH IN SECTION VII, BELOW, AS IT WILL REQUIRE YOU TO RESOLVE DISPUTES WITH STEADYIQ ON AN INDIVIDUAL BASIS THROUGH FINAL AND BINDING ARBITRATION.
For purposes of these Terms, a referring entity (“Referring Entity”) means any third-party entity, including but not limited to government agencies, financial institutions, or others, who direct you to our Site or Services. If not expressly prohibited by your Referring Entity, supplemental terms may apply to certain Services, such as specific consents to use a certain Service or policies for a particular event, program, activity or promotion, and such supplemental terms will be disclosed to you in separate region or industry-specific disclosures (e.g., a specific webpage of city) or in connection with the applicable Service(s). Supplemental terms are in addition to, and shall be deemed a part of, these Terms for the purposes of the applicable Service(s). Supplemental terms shall prevail over these Terms in the event of a conflict with respect to the applicable Services.
I. Description of the Services
The SteadyIQ Service provides Registered Users (defined below) with financial analysis services, including income verification, employment options based on information provided by such users, and financial health information and tools.
The income verification service is provided at no cost for users that have been referred by Referring Entity.
A. Eligibility
In order to use the Services, you must have full legal capacity to enter into a contract; be at least eighteen (18) years old or of legal age in your state of residence; and provide your personal information as needed to utilize the Services. A person that satisfies these and other criteria that SteadyIQ may establish from time to time shall be considered a “Registered User.”
The Services are not intended for use by persons in any jurisdiction or country where such use would be contrary to or in violation of applicable laws or regulations. We may restrict your access to the Services during times you are in a country for which use of the Services would be prohibited. You are responsible for compliance with all local laws.
B. Personal Information
In order to identify you and prevent unauthorized use or misuse of the Services, SteadyIQ may request certain information from you and you agree to comply with any request for such information to ensure proper identification.
SteadyIQ's collection and use of personal information in connection with the Services is described in SteadyIQ's Privacy Statement located at https://www.steadyiq.com/privacy.
To protect the security of your information, we may require you to authenticate your identity (i.e., prove that you are who you say you are) to use certain tools and conduct certain transactions through the Services. As a precaution, we recommend that Registered Users protect their security by closing their web browser after logging out of their account. If you believe that information that you have submitted through the Services has been accessed or used without your permission, you must inform as soon as possible.
You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer or device, and you will be responsible for all activities that occur under your account or password.
C. User Research
If not expressly prohibited by your Referring Entity, Registered Users may be presented with an opportunity to engage in product research, surveys, or interviews.
D. Income and Employment Verification Information
If applicable to the Service you request, SteadyIQ may, with your consent and direction, collect income and employment information from you when you connect your financial institutions and employer’s payroll providers to our Services in order to aggregate your income, earnings, and expense data. SteadyIQ may also, with your consent and direction, provide information we have collected from you, such as bank transactions, income, and employment information, to agencies or institutions for the purposes of verifying any requests or applications you have submitted to such agencies or institutions. Such information is provided only with your consent for the purposes of verifying information you have provided to such agencies or institutions to help prevent fraud and identity theft and is not intended to be used as information bearing on your creditworthiness. This information is not a consumer report and SteadyIQ is not a consumer reporting agency.
As noted above, SteadyIQ's collection and use of your information in connection with the Services are described in these Terms and SteadyIQ's Privacy Statement located at https://www.steadyiq.com/privacy. However, the agencies or institutions to which you may have submitted any requests or applications may have their own separate terms of services and privacy policies, which you should also review.
E. Other Content
If not expressly prohibited by your Referring Entity, the Services may also present Registered Users with information relating to third party products or services that may be of interest to them. The Services may also provide Registered Users with general tips, recommendations and financial educational material.
F. Changes and Modifications
We reserve the right to remove or make changes to a Service or any function or feature of a Service at any time subject to any legally or contractually required notification. Services may vary by state and may not be available in all states.
II. Using our Service
The SteadyIQ Service and the Content is the property of SteadyIQ. “Content” refers to any text, images, video, audio, data, or other materials that we upload, submit, post, display, or otherwise make available on or through our Service. We grant you limited, non-exclusive, revocable permission to make use of the SteadyIQ Service, and limited, non-exclusive, revocable permission to make personal, non-commercial use of the Content (collectively, “Access”). This Access shall remain in effect until and unless terminated by you or SteadyIQ. You promise and agree that you are using the SteadyIQ Service and Content for your own personal, non-commercial use and that you will not redistribute or transfer the SteadyIQ Service or the Content.
The SteadyIQ software applications and the Content are not sold or transferred to you, and SteadyIQ and its licensors retain ownership of all copies of the SteadyIQ software applications and Content even after installation on your personal computers, mobile handsets, tablets, wearable devices, speakers and/or other devices (“Devices”).
All SteadyIQ trademarks, service marks, trade names, logos, domain names, and any other features of the SteadyIQ brand (“SteadyIQ Brand Features”) are the sole property of SteadyIQ or its licensors. The Agreements do not grant you any rights to use any SteadyIQ Features whether for commercial or non-commercial use.
You agree to abide by our Terms of Service and not to use the SteadyIQ Service, the Content, or any part thereof in any manner not expressly permitted by the Agreements. Except for the rights expressly granted to you in the Agreements, SteadyIQ grants no right, title, or interest to you in the SteadyIQ Service or Content.
Third party software (for example, open source software libraries) included in the SteadyIQ Service are made available to you under the relevant third party software library’s license terms as published in the help or settings section of our desktop and mobile client and/or on our website.
III. Important Disclaimers
NEITHER STEADYIQ NOR THE SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. STEADYIQ IS NOT AN EMPLOYER, FINANCIAL PLANNER, DEBT CONSOLIDATOR, BROKER OR TAX ADVISOR. The Services are intended only to provide Registered Users with income verification services and tools.
IV. Availability of the Services
You agree and acknowledge that you have the sole responsibility and liability for your use of the Services and for providing or obtaining, and for maintaining, all of the hardware, software, electrical power, telecommunications, Internet Services, and other products or services necessary or desirable for you to access and use the Services.
From time to time, due to the performance of maintenance, malfunctions or failures of software, equipment, or telecommunications devices, unusual transaction volume, or similar reasons, the Services may not be available for your use. We minimize the periods of time during which the Services are unavailable. You agree that we shall not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of the unavailability of the Services, regardless of whether it could be shown that we could have prevented or reduced the duration of such unavailability by taking any action within our reasonable control. We shall also not be responsible for any loss, damages, costs, or expenses which you may suffer or incur, directly or indirectly, as a result of your inability to access the Services caused directly or indirectly, in whole or in part, by your computer or mobile device, your inability to establish a connection to the Internet, your Internet Service Provider, or capacity or other limitations or constraints of the Internet.
V. Prohibited Activities
You agree that you will not:
- Use the Services for any purpose other than as expressly permitted by SteadyIQ.
- Use the Services for any commercial purpose.
- Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Services or any portion of the Services, without our express written consent, which may be withheld in our sole discretion;
- Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Services, other than the search engines and search agents available through the Services and other than generally available third-party web browsers;
- Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Services;
- Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Services;
- Attempt to gain an unauthorized access to any portion of the Services;
- Reproduce, duplicate, copy, sell, resell, visit, or otherwise exploit for any commercial purpose the Services without our express written consent;
- Frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of SteadyIQ without express written consent; or
- Use meta tags or any other “hidden text” utilizing our name or trademarks without our express written consent.
- Misuse the Services.
You may use the Services only as permitted by law and described herein. We may at any time, with or without cause, and without prior notice to you, deny you access to the Services. Our third-party service providers may also restrict or deny your access of certain Services pursuant to their service terms.
VI. Consent to Communication
By accepting these Terms of Service, you expressly consent to be contacted by us, our agents, representatives, affiliates, or anyone calling on our behalf for any and all purposes, at any telephone number, or physical or electronic address you provide to us. You agree we may contact you in any way including SMS text messages, calls using prerecorded messages or artificial voice, and calls and messages delivered using an auto telephone dialing system or an automated texting system. Automated messages may be played when the telephone is answered, whether by you or someone else. In the event that an agent or representative calls, he or she may also leave a message on your answering machine, voice mail, or via text.
You consent to receive SMS messages (including text messages), calls and messages (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, or number(s) we can reasonably associate with your account (through skip tracing, caller ID capture, or other methods), with information or questions about your account. You certify, warrant and represent that the telephone numbers that you have provided to us are your numbers and not someone else’s. You represent that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to alert us whenever you stop using a particular telephone number.
We will not use autodialed or prerecorded calls or texts to contact you for marketing purposes unless you provide us with prior express written consent. If you have provided consent to receive marketing calls, you agree that SteadyIQ’s employees, agents, and representatives may use autodialed or pre-recorded phone calls and SMS text messages to contact your mobile phone at the number you provide for the purpose of describing goods and services that may be of interest to you, whether offered by SteadyIQ, affiliates, or third parties. If provided, your consent will be effective even if the number you have provided is registered on any state or federal Do-Not-Call (DNC) list. This consent for telemarketing calls shall remain in effect until you revoke it. Your consent to receive telephone communications is not a condition of using SteadyIQ's product and may be revoked at any time by visiting our help center and submitting a form, by writing to us at Steady Platform, Inc. c/o Compliance Department, 101 Marietta Street, Suite 3100, Atlanta, Georgia 30303.
Please keep us informed of any changes in your contact information so that you can continue to receive timely electronic Communications from us. You may update your contact information by visiting our help center and submitting a form, by writing to us at Steady Platform, Inc. c/o Compliance Department, 101 Marietta Street, Suite 3100, Atlanta, Georgia 30303.
VII. Arbitration
Except for Registered Users who are referred through a Referring Entity that expressly prohibits the application of this arbitration provision to such Registered Users, you agree to resolve any claim that you may have against SteadyIQ on an individual basis in mandatory binding arbitration, as set forth in and in accordance with this Section VII. This will preclude you from bringing any class, collective, or representative action against SteadyIQ, and also preclude you from participating in or recovering relief under any current or future class, collective, consolidated, or representative action brought against SteadyIQ by someone else.
A. Agreement to Binding Arbitration
You and SteadyIQ agree that any dispute, claim or controversy arising out of or relating to (a) these Terms or the existence, breach, termination, enforcement, interpretation or validity thereof, or (b) your access to or use of the Services at any time, whether before or after the date you agreed to the Terms, will be settled by binding arbitration between you and SteadyIQ, and not in a court of law.
You acknowledge and agree that you and SteadyIQ are each waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding. Unless both you and SteadyIQ otherwise agree in writing, any arbitration will be conducted only on an individual basis and not in a class, collective, consolidated, or representative proceeding. However, you and SteadyIQ each retain the right to bring an individual action in small claims court and the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party's copyrights, trademarks, trade secrets, patents or other intellectual property rights.
B. Rules and Governing Law
The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the AAA's Consumer Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “AAA Rules”) then in effect, except as modified by this Section. The AAA Rules are available at www.adr.org/arb_med or by calling the AAA at 1-800-778-7879.
The parties agree that the arbitrator (“Arbitrator”), and not any federal, state, or local court or agency, shall have exclusive authority to resolve any disputes relating to the interpretation, applicability, enforceability or formation of this Section VII, including any claim that all or any part of this Section VII is void or voidable. The Arbitrator shall also be responsible for determining all threshold arbitrability issues, including issues relating to whether the Terms are unconscionable or illusory and any defense to arbitration, including waiver, delay, laches, or estoppel.
Notwithstanding any choice of law or other provision in the Terms, the parties agree and acknowledge that this Section VII evidences a transaction involving interstate commerce and that the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (“FAA”), will govern its interpretation and enforcement and proceedings pursuant thereto. It is the intent of the parties that the FAA and AAA Rules shall preempt all state laws to the fullest extent permitted by law. If the FAA and AAA Rules are found to not apply to any issue that arises under this Section VII or the enforcement thereof, then that issue shall be resolved under the laws of the state of New York.
C. Process
A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. (The AAA provides a form Demand for Arbitration - Consumer Arbitration Rules at www.adr.org or by calling the AAA at 1-800-778-7879). The Arbitrator will be either (1) a retired judge or (2) an attorney specifically licensed to practice law in the state of California and will be selected by the parties from the AAA's roster of consumer dispute arbitrators. If the parties are unable to agree upon an Arbitrator within seven (7) days of delivery of the Demand for Arbitration, then the AAA will appoint the Arbitrator in accordance with the AAA Rules.
D. Location and Procedure
Unless you and SteadyIQ otherwise agree, the arbitration will be conducted in the county where you reside. If your claim does not exceed $10,000, then the arbitration will be conducted solely on the basis of documents you and SteadyIQ submit to the Arbitrator, unless you request a hearing or the Arbitrator determines that a hearing is necessary. If your claim exceeds $10,000, your right to a hearing will be determined by the AAA Rules. Subject to the AAA Rules, the Arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration.
E. Arbitrator's Decision
The Arbitrator will render an award within the time frame specified in the AAA Rules. Judgment on the arbitration award may be entered in any court having competent jurisdiction to do so. The Arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide relief warranted by the claimant's individual claim. An Arbitrator's decision shall be final and binding on all parties. An Arbitrator's decision and judgment thereon shall have no precedential or collateral estoppel effect. If you prevail in arbitration you will be entitled to an award of attorneys' fees and expenses, to the extent provided under applicable law. SteadyIQ will not seek, and hereby waives all rights SteadyIQ may have under applicable law to recover, attorneys' fees and expenses if SteadyIQ prevails in arbitration.
F. Fees
Your responsibility to pay any AAA filing, administrative and arbitrator fees will be solely as set forth in the AAA Rules. However, if your claim for damages does not exceed $75,000, SteadyIQ will pay all such fees, unless the Arbitrator finds that either the substance of your claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)).
G. Changes
Notwithstanding the provisions in these Terms regarding consent to be bound by amendments to these Terms, if SteadyIQ changes this Section VII Agreement after the date you first agreed to the Terms (or to any subsequent changes to the Terms), you may reject any such change by providing SteadyIQ written notice of such rejection within 30 days of the date such change became effective, as indicated in the “Effective” date above. This written notice must be provided either (a) by mail or hand delivery to our registered agent for service of process, c/o Steady Platform, Inc. (the name and current contact information for the registered agent in each state are available online here), or (b) by visiting our help center and submitting a form using the email address associated with your Account to: submit form. In order to be effective, the notice must include your full name and clearly indicate your intent to reject changes to this Section VII. By rejecting changes, you are agreeing that you will arbitrate any dispute between you and SteadyIQ in accordance with the provisions of this Section VII as of the date you first agreed to the Terms (or to any subsequent changes to the Terms).
H. Severability and Survival
If any portion of this Section VII is found to be unenforceable or unlawful for any reason, (1) the unenforceable or unlawful provision shall be severed from these Terms; (2) severance of the unenforceable or unlawful provision shall have no impact whatsoever on the remainder of the Section VII or the parties' ability to compel arbitration of any remaining claims on an individual basis pursuant to the Section VII; and (3) to the extent that any claims must therefore proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in a civil court of competent jurisdiction and not in arbitration, and the parties agree that litigation of those claims shall be stayed pending the outcome of any individual claims in arbitration.
VIII. Limitations of Liability
UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR LOST PROFITS THAT MAY ARISE IN CONNECTION WITH THE SERVICES, OR FROM YOUR USE OF, OR INABILITY TO USE, THE SERVICES OR ANY INFORMATION PROVIDED THROUGH THE SERVICES; OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; OR DISCLOSURE OF INFORMATION WHEN REPLYING TO YOU BY E-MAIL OR OTHER ELECTRONIC MEANS OR RECEIVING E-MAILS FROM YOU; EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES, OR EXPENSES. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
IX. No Representations or Warranties
EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, WORKMANLIKE EFFORT, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT GUARANTEE THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE OR THAT CONTENT LOSS WON'T OCCUR, NOR DO WE GUARANTEE ANY CONNECTION TO OR TRANSMISSION FROM ANY COMPUTER NETWORK.
STEADYIQ DOES NOT WARRANT THAT THE SERVICES, INFORMATION, CONTENT, MATERIALS, PRODUCTS (INCLUDING SOFTWARE) OR OTHER SERVICES INCLUDED ON OR OTHERWISE MADE AVAILABLE TO YOU THROUGH THE SERVICES, OUR SERVERS OR ELECTRONIC COMMUNICATIONS SENT FROM STEADYIQ ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY VIRUSES THAT MAY INFECT OR DAMAGE YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO, USE OF, OR BROWSING OF THE SERVICES, THE WEB, OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO, OR AUDIO FROM THE SERVICES OR THE WEB.
WE DO NOT WARRANT NOR REPRESENT THAT YOUR USE OF MATERIALS DISPLAYED THROUGH THE SERVICES WILL NOT INFRINGE RIGHTS OF THIRD PARTIES NOT OWNED OR AFFILIATED WITH US.
X. Indemnification
You agree to indemnify, defend and hold SteadyIQ, its parent, investors, affiliates and subsidiaries, and each of their officers, directors, employees, representatives and agents (collectively, the “Indemnified Parties”) harmless from and against any and all claims, losses, expenses, demands, or liabilities, including attorneys' fees and costs, incurred by us in connection with any claim by a third party (including any intellectual property claim) arising out of your use of the Services in violation of these Terms or in violation of any applicable law. You further agree that you will cooperate fully in the defense of any such claims. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall not in any event settle any such claim or matter without our written consent.
XI. Applicable Law
These Terms will be governed by the laws of the United States and the State of New York without giving effect to any conflict of laws to the contrary. You consent to the exclusive jurisdiction of, and venue in, the state and federal courts in New York City, New York. AS SET FORTH IN SECTION VII ABOVE, YOU IRREVOCABLY WAIVE ANY AND ALL RIGHTS YOU MAY HAVE TO A TRIAL BY JURY IN ANY JUDICIAL PROCEEDING INVOLVING ANY CLAIM RELATING TO OR ARISING UNDER THESE TERMS.
XII. No Waiver
No failure, omission, or delay on our part to exercise any right under these Terms will preclude any other further exercise of that right or other right under these Terms.
XII. Change in Law
If any provision in these Terms must change due to applicable law or are declared invalid by order of a court, the remaining provisions of these Terms will not be affected, and these Terms will be interpreted as if the invalid provision had not been placed in these Terms. The headings in these Terms are intended only to help organize these Terms.
XIV. Changes to these Terms
SteadyIQ may amend the Terms from time to time. Amendments will be effective upon SteadyIQ's posting of such updated Terms at this location or in the amended policies or supplemental terms on the applicable Service(s). Your continued access or use of the Services after such posting confirms your consent to be bound by the Terms, as amended. If you do not agree with any amendment we make to these Terms, you must stop using the Services.
XV. Electronic Communication Agreement
By using the Services, you consent and agree to receive terms, disclosures and other information required by law to be provided to you in writing (collectively, “Communications”) to you electronically, including to the e-mail address that you provided to us, pursuant to the Electronic Signatures in Global and National Commerce Act. You further agree that:
- You are providing your electronic signature on agreements and documents, which has the same effect as if you signed them in ink.
- You have the appropriate device and software to access and retain any Communication received from us, including a computer or mobile device, a valid e-mail address and the ability to download, print or otherwise retain Communications.
- This consent applies to all Communications from SteadyIQ, unless you have withdrawn your consent by contacting us at the address below. If you withdraw your consent to receive Communications electronically, we may prohibit you from using the Services.
- You may request paper copies of any legal Communications by writing to us at the address below, to the “Attention of Electronic Communication Opt-Out.”
You are responsible for ensuring that we have your current email address, so that we can communicate with you electronically. If you need to update your primary email address, you may do so by visiting our help center and submitting a form.
Steady Platform, Inc.
101 Marietta Street NW
Suite 3100
Atlanta, GA 30303
Last Updated: July 1, 2025