Terms of Use: Endowe
Inc.
Version Date: Feb 26, 2026
The following terms and conditions (the “Terms”) govern all access to and use of (i) the websites operated by Endowe Inc. (including www.endowe.com and any successor or affiliated domains) (the “Sites”), (ii) any Endowe-branded mobile applications (the “Apps”), and (iii) any products, features, tools, content, and services made available through the Sites or Apps (collectively with the Sites and the Apps, the “Platform” or the “Service”).
Important—separate roles and agreements. Endowe Inc. provides the Platform as a technology service that enables users to create and share investment gift registries and to facilitate gift contributions to eligible brokerage or custodial accounts held at third-party financial institutions. Endowe Inc. is not a broker-dealer, does not execute trades, does not custody client assets, and does not provide investment advice.
Investment advisory services, if any, are provided solely by Endowe Advisory LLC, an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”) (“Endowe Advisory”). The provision of investment advisory services is governed by separate agreements and disclosures presented to you in connection with receiving advisory services, which may include, as applicable: (i) a registered investment advisory agreement, (ii) Endowe Advisory’s Form ADV (Part 2A and 2B), (iii) Form CRS, and (iv) other disclosures or documents (collectively, the “Advisory Documents”). In the event of a conflict between these Terms and any Advisory Documents with respect to advisory services, the Advisory Documents will control.
Brokerage, custody, clearing, settlement, account opening, identity verification, and related services are provided by one or more third-party broker-dealers, custodians, and/or other financial institutions (“Financial Partners”). Your relationship with any Financial Partner is governed by the Financial Partner’s agreements and disclosures, and Endowe Inc. is not responsible for the acts or omissions of Financial Partners.
No guarantee; investment risk. Investments involve risk, including the possible loss of principal. The value of investments may fluctuate. Cash and securities held at a Financial Partner are not FDIC insured (and any SIPC or other protections, if applicable, are provided solely through the Financial Partner and subject to the Financial Partner’s terms).
Different user roles. Depending on how you use the Platform, you may be a registry creator, a parent or legal guardian acting as custodian for a minor beneficiary, a recipient/beneficiary, or a person contributing a gift. Users who contribute gifts generally do not obtain ownership or control rights in the recipient’s account.
In these Terms, “you” or “your” means the person accessing or using the Service and, if applicable, the legal entity on whose behalf that person is acting. “We,” “us,” “our,” and “Endowe” mean Endowe Inc. References to Endowe Advisory LLC are made explicitly as “Endowe Advisory.”
By using or accessing any part of the Service, you represent and warrant that: (i) you are at least eighteen (18) years old (or the age of majority in your jurisdiction, if higher); (ii) you have read, understand, and agree to be bound by these Terms; and (iii) if you are entering into these Terms on behalf of a company or other legal entity, you have the authority to bind that entity to these Terms.
You consent to receive communications, notices, disclosures, and other information from us electronically through the Service, email, or other electronic means. Notwithstanding any request to delete an account or personal information, we may retain certain information as required by applicable law, regulation, and recordkeeping obligations.
We reserve the right, in our sole discretion, to modify or replace any of these Terms at any time. Your continued use of the Service following the posting of changes constitutes your acceptance of the revised Terms, and you are responsible for reviewing the Terms periodically. Certain features, products, or services offered through the Service may be subject to additional terms and conditions, including terms imposed by Financial Partners or Endowe Advisory. If such additional terms conflict with these Terms, those additional terms will control solely with respect to the applicable feature, product, or service.
ARBITRATION NOTICE: THESE TERMS INCLUDE A MANDATORY ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. PLEASE READ THE ARBITRATION PROVISIONS CAREFULLY.
PLEASE READ THESE TERMS CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS, A DISPUTE RESOLUTION CLAUSE THAT GOVERNS HOW DISPUTES WILL BE RESOLVED, AND A WAIVER OF RIGHTS TO BRING CLASS ACTION CLAIMS AGAINST US. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS AND THE ABOVE ELIGIBILITY REQUIREMENTS, YOU ARE PROHIBITED FROM USING THE SERVICE.
Endowe provides individuals who are eighteen (18) years of age or older the ability to create and share investment gift registries and to collectively contribute monetary gifts for investment on behalf of a designated beneficiary. Registries may be created for a variety of personal, family, or celebratory purposes, including for children, other individuals, or oneself, as permitted by applicable law and account requirements.
The Platform allows an eligible account owner or, where applicable, a parent or legal guardian acting as custodian (each, a “Registry Owner”) to create a registry and receive gift contributions from friends, family members, or other invited contributors (“Gifters”) for potential investment through brokerage, custodial, or investment advisory services provided by third-party financial institutions or Endowe Advisory, which may include exchange-traded funds (“ETFs”), public company stocks (“Stocks”), or other assets or account types that may be offered from time to time. Gifts may be made on a one-time or recurring basis, subject to applicable authorizations and the availability of payment features. Gifters may be able to include messages or media in connection with a gift to help commemorate an occasion.
Investment-related services, including brokerage, custody, and investment advisory services, are provided by third-party financial institutions and, where applicable, by Endowe Advisory LLC, an SEC-registered investment adviser, pursuant to separate agreements and disclosures. Endowe Inc. does not provide investment advice, make investment recommendations, custody assets, or control investment decisions.
Additional terms, disclosures, and agreements may apply to certain features or services offered through the Platform.
Endowe Inc. is committed to protecting the privacy of individuals who use the Platform. Please review our Privacy Policy and GLBA Privacy Notice, each of which is incorporated into these Terms by reference. By accessing or using the Platform, you acknowledge that you have reviewed and agree to the practices described in the Online Privacy Policy and GLBA Privacy Notice.
As a condition to using certain features of the Platform, you may be required to register an account and provide information about yourself and, where applicable, a beneficiary or minor child, including identifying, contact, and financial information (“Account Information”). You agree to provide accurate, current, and complete Account Information and to promptly update such information as necessary to keep it accurate and complete.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs through your account, whether or not authorized by you. You agree to notify us immediately if you become aware of any unauthorized access to or use of your account or credentials.
You consent to receive communications, notices, disclosures, and other information from us electronically through the Platform, email, text message, or other electronic means. You are responsible for maintaining current contact information associated with your account so that we may provide you with required notices and communications.
We may share your information with third parties as described in our Online Privacy Policy and GLBA Privacy Notice, including with Endowe Advisory LLC (to the extent applicable), Financial Partners, service providers, and other parties as required to operate the Platform, provide requested services, comply with legal and regulatory obligations, or enforce these Terms.
You represent and warrant that you: (a) are at least eighteen (18) years old or the age of majority in your jurisdiction, if higher; (b) have not been previously suspended or removed from the Platform; (c) will provide accurate, current, and complete information in connection with your use of the Platform; and (d) have the authority to enter into these Terms and comply with them.
Subject to your compliance with these Terms, Endowe Inc. grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Platform solely for its intended purpose. You may not copy, scrape, data-mine, reverse engineer, or otherwise misuse the Platform or its content without our prior written consent.
We may suspend or terminate your access to the Platform at any time if you violate these Terms or misuse the Platform. You may request deletion of your account through the Platform or by contacting support at [email protected]. Notwithstanding any deletion request, we may retain certain information as required by applicable law, regulation, or recordkeeping obligations.
Endowe Inc. does not charge registry owners a fee to create or maintain a registry. Gifters may be charged a service fee in connection with certain gift transactions. Any applicable service fees and third-party payment processing fees will be disclosed to Gifters prior to completion of a transaction.
Endowe Inc. may modify its service fees from time to time, and updated fees will be reflected through the Platform at the time of use.
If a user elects to receive investment advisory services through Endowe Advisory, separate advisory fees may apply. Any such advisory fees are governed solely by the applicable advisory agreements and disclosures provided by Endowe Advisory and are not charged by Endowe Inc.
To facilitate payments and funds transfer functionality through the Platform, Endowe Inc. uses third-party payments providers.
In order to use the payment functionality of the Endowe platform, you must open a “Dwolla Account” provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in or transferred through your Dwolla Account are held or transferred by Dwolla’s financial institution partners. You must be at least 18 years old to create a Dwolla Account. You authorize Endowe Inc. to collect and share with Dwolla your personal information including full name, date of birth, social security number, physical address, email address, and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla Account through the Endowe platform, and Dwolla account notifications will be sent by Endowe Inc., not Dwolla. Endowe Inc. will provide customer support for your Dwolla Account activity and can be reached at https://www.endowe.com and [email protected].
If you choose to submit feedback, suggestions, or ideas regarding the Platform (“Feedback”), you agree that such Feedback is provided voluntarily and may be used by Endowe Inc. without restriction or obligation to you. Endowe Inc. may use Feedback for any purpose, including to improve or modify the Platform, without compensation or attribution.
Endowe Inc. respects the intellectual property rights of others. If you believe that content available through the Platform infringes your copyright, you may submit a notice in accordance with the Digital Millennium Copyright Act (DMCA).
Notices of claimed infringement should be sent to: [email protected]. Please include sufficient information to identify the copyrighted work and the allegedly infringing material.
Endowe Inc. grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your personal, non-commercial use, subject to these Terms. This license may be suspended or terminated if you violate these Terms.
The Platform, including all software, designs, trademarks, logos, content, and functionality, is owned by Endowe Inc. or its licensors and is protected by applicable intellectual property laws. Except as expressly permitted by these Terms, you may not copy, modify, distribute, sell, or create derivative works from any portion of the Platform without Endowe Inc.’s prior written consent.
You agree to use the Platform only for its intended purposes and in compliance with applicable law. You may not misuse the Platform, including by attempting to gain unauthorized access, interfering with its operation, scraping or harvesting data, introducing malicious code, or engaging in unlawful, fraudulent, abusive, or deceptive conduct.
You are solely responsible for any content you submit, post, or transmit through the Platform, including messages or media shared in connection with a gift. By submitting User Content, you grant Endowe Inc. a limited, non-exclusive, royalty-free license to host, store, display, and process such content solely for the purpose of operating and improving the Platform.
You represent that your User Content complies with applicable law and does not infringe the rights of any third party. Endowe Inc. reserves the right, but has no obligation, to remove or restrict access to User Content that violates these Terms or is otherwise objectionable.
The Platform and related information may change from time to time. Access to the Platform may be interrupted or unavailable due to maintenance, system limitations, network issues, or events outside Endowe Inc.’s control.
While Endowe Inc. takes reasonable measures to protect the Platform, no system can be guaranteed to be completely secure. You are responsible for maintaining the security of your devices and access credentials and for notifying Endowe Inc. of any unauthorized use of your account.
The Platform is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Endowe Inc. disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
The Platform may link to or integrate with third-party services, including payments providers, broker-dealers, custodians, investment advisers, or other service providers. Endowe Inc. does not control and is not responsible for the content, availability, performance, or practices of any third-party services.
Your use of third-party services is governed solely by the applicable third party’s terms and disclosures. Endowe Inc. does not endorse and assumes no liability for any products or services provided by third parties.
Certain features of the Platform may require you to establish or maintain an account with a third-party financial institution. Endowe Inc. does not open, maintain, execute transactions in, or control brokerage or custodial accounts and is not responsible for the acts or omissions of such institutions.
Endowe Inc. may promote its platform and services through advertising and marketing activities, including on social media, websites, and other media channels. Such marketing relates solely to the Endowe Inc. platform and does not constitute investment advice or a solicitation for investment advisory services.
Any references to financial concepts, gifting, or investing in marketing materials are for informational and promotional purposes only. Investment advisory services, if offered, are provided separately by Endowe Advisory LLC pursuant to applicable agreements and disclosures. Endowe Inc. is not responsible for the content or practices of third-party platforms on which advertisements may appear.
To the fullest extent permitted by law, Endowe Inc. and its affiliates, officers, directors, employees, and agents will not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Platform.
To the extent liability is not otherwise disclaimed, Endowe Inc.’s total liability to you for any claim arising out of or relating to the Platform will not exceed the amount, if any, paid by you to Endowe Inc. during the twelve (12) months preceding the event giving rise to the claim.
Endowe Inc. may suspend or terminate your access to the Platform if you violate these Terms or misuse the Platform. You may stop using the Platform at any time. Termination does not affect any rights or obligations that by their nature should survive termination.
Before initiating arbitration or any legal proceeding, you agree to first contact Endowe Inc. and make a good-faith effort to resolve the dispute informally.
Except as expressly stated otherwise, any dispute or claim arising out of or relating to these Terms or the Platform shall be resolved by binding arbitration on an individual basis. The arbitration is governed by the Federal Arbitration Act and administered by the American Arbitration Association under its Consumer Arbitration Rules. Either party may bring qualifying claims in small claims court.
You may opt out of arbitration within thirty (30) days of first accessing the Platform by providing written notice to Endowe Inc. Opting out does not affect any other part of these Terms.
You agree to bring claims only in your individual capacity and waive the right to participate in any class, collective, or representative action. If a court determines that this waiver is unenforceable with respect to a claim for public injunctive relief, that claim may proceed in court while all other claims remain subject to arbitration.
Except for the arbitration agreement (which is governed by the Federal Arbitration Act), these Terms are governed by the laws of the State of Delaware.
You agree to indemnify and hold harmless Endowe Inc. and its affiliates from any claims, losses, liabilities, damages, and expenses arising out of your use or misuse of the Platform, your violation of these Terms or applicable law, or your content or interactions with third parties.
You acknowledge that a breach of these Terms may cause irreparable harm to Endowe Inc. and that Endowe Inc. may seek injunctive or other equitable relief in addition to any other remedies available at law.
These Terms constitute the entire agreement between you and Endowe Inc. regarding your use of the Platform and supersede any prior or contemporaneous agreements or understandings relating to the Platform. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
If you have questions regarding these Terms or the Platform, please contact Endowe Inc. at [email protected].