Operating disclosures.

What the service is

Streamlined Financials provides administrative guidance and configuration assistance. In a guided video session we help you open financial accounts in your own name, set up direct-deposit allocations with your employer, and configure recurring transfers and investments using features your chosen institutions already provide. We do not provide investment, legal or tax advice, and nothing in a session or on this site should be taken as a recommendation to buy or sell any security.

What you agree to

You confirm that you are at least eighteen years old, that the information you provide in intake is accurate, and that you will personally enter every password, security answer and multi-factor code during the session. You remain solely responsible for all decisions made in accounts you own, including allocation percentages, investment selections and any tax consequences.

Fees and refunds

Fees are flat, disclosed before payment, and cover setup and configuration only. We never charge a percentage of your assets. If we are unable to complete a session for a reason within our control, the fee is refunded in full. If a session is completed and accounts are opened, the fee is earned.

Limitation of liability

Because we never hold funds, operate accounts or store credentials, our exposure is limited to the fee you paid. We are not liable for the performance of any investment, the actions of any institution, or losses arising from decisions you make in your own accounts. Where local law does not permit such limitations, our liability is limited to the fullest extent it does permit.

Changes to these terms

We may update these terms. Material changes are announced by email to clients with a completed session at least thirty days before they take effect. Continued use after that date constitutes acceptance.

What we collect

Your name, email address, the answers you give in the intake form, the plan you purchased, and a record of the accounts you opened and the allocation percentages you chose during the session. Payment card details are handled by our payment processor and never reach our systems.

What we never collect

Passwords, security questions, multi-factor codes, account numbers, balances, or any credential that could access an account of yours. Sessions are not recorded and screenshots are not taken. If you are ever asked for any of these by someone claiming to represent us, do not provide them and tell us at once.

How we use it

To run your session, to provide the support period included in your plan, to send you the important notices described in our terms, and, if you opt in, occasional plain-English notes about the service. We do not sell, rent or share your information with third parties for marketing.

How long we keep it

Intake answers and session records are retained for the support period of your plan plus twelve months, then deleted. You may ask us to delete them sooner at any time by emailing hello@streamlinedfinancials.com; we complete deletion requests within thirty days.

Your rights

You may request a copy of the information we hold about you, ask us to correct it, or ask us to delete it. Requests are honoured within thirty days and no account or subscription is needed to make one.

Not a registered adviser

Streamlined Financials is not a registered investment adviser, broker-dealer, bank, insurance agency or tax preparer. We are not a fiduciary and we do not manage assets. We provide education and configuration help; every financial decision is yours.

No custody

We never hold, transfer, or take custody of client funds. Every account is opened by you, in your name, at an institution you choose and that is regulated in its own right. We have no authority over any account and no ability to move money within or between them.

No guarantees

Percentage-based allocation is a method of organising cash flow, not a strategy for returns. Investment values rise and fall. Nothing on this site or said in a session is a promise of any outcome, and the client profiles published here are illustrative composites rather than reports of specific results.

Third-party institutions

The banks and brokerages you choose are independent of us. Their terms, fees, protections and availability are their own, may change, and are not within our control. We receive no compensation from any institution for accounts opened there.