1. Who we are and what Unio is
Unio is a software platform for investment collectives — groups of people (and individuals in solo mode) who record, govern, and reflect on investment decisions together. Unio provides record-keeping, member governance, portfolio tracking, and AI-assisted research tooling. Unio is operated from the United States and offered to users worldwide.
Unio is a data consolidator, nothing more. It aggregates, organises, and displays records you create or import and market data from third-party sources. No investing happens on or through the platform: Unio does not execute, route, transmit, or settle orders or transactions of any kind, and it does not hold, transmit, pool, or custody money or financial products on your behalf. Unio is not a bank, broker-dealer, custodian, exchange, money transmitter, or financial adviser.
Contributions between members, and trades at any brokerage, exchange, or wallet, happen entirely outside the platform under arrangements the members control. Unio records and displays data about those events; it never carries them out.
2. Accepting these terms
By requesting access to Unio, creating an account, or using the service, you agree to these Terms of Service, the Privacy Policy, and the Investment Disclaimer. If you do not agree, do not use Unio.
We version these terms by revision date. When the substance changes, you will be asked to accept the new version before continuing to use the app. The version you accepted, and when, is recorded against your account.
3. Eligibility and accounts
You must be at least 18 years old — or the age of majority where you live, if that is higher — and able to form a binding contract to use Unio. Access is currently approval-gated: requesting access places you in a review queue and an administrator decides whether to grant an account.
You are responsible for the security of your sign-in methods (email codes and passkeys) and for everything done under your account. Tell us promptly if you believe your account has been compromised.
4. Global availability, local law, and sanctions
Unio is operated from the United States. We make no representation that the service is appropriate or lawful to use in any particular place; if you access it from outside the United States, you do so on your own initiative and are responsible for complying with the laws that apply to you locally — including how a group of people who pool capital is regulated where you live.
The service is subject to United States export-control and sanctions laws. You may not use Unio if you are located in a jurisdiction subject to comprehensive U.S. sanctions or if you are on a U.S. government restricted- or denied-party list, and you may not use the service in violation of any export-control or sanctions law.
5. Collectives are member-governed
A collective on Unio is governed by its own contract — the rules its members draft, sign, and amend inside the product (voting thresholds, investment limits, contribution obligations, and related clauses). That contract binds the members to each other. Unio is not a party to your collective's contract and does not enforce it beyond the mechanical rules the software applies.
Decisions inside a collective (buying, selling, admitting or removing members, changing rules, distributions) are proposed and voted on by members under that contract, and any resulting transaction is carried out by the members themselves, outside the platform. You are responsible for what your collective decides. Unio records and tallies; it does not decide, and it does not transact.
Your collective's legal form, tax treatment, and regulatory obligations are the members' responsibility. Seek your own professional advice on how to structure a group that pools capital in your jurisdiction.
6. Your data and content
You keep ownership of the content you put into Unio — holdings you record, documents you import, theses you write, votes you cast. You grant us the licence needed to store, process, and display that content to operate the service, including to the other members of your collective according to the product's sharing rules.
You are responsible for having the right to import the data you bring (for example, broker statements and trade confirmations).
7. AI features
Unio includes AI-assisted features — research chat, decision-intake assistance, and generated portfolio briefings. These features send relevant context (which can include your collective's holdings, decisions, and related market data) to third-party large-language-model providers to generate their output.
AI output can be wrong, incomplete, or out of date, and is not financial advice. It is provided to inform member deliberation, not to replace it. Verify anything material before acting on it. Where you supply your own AI provider key, your use of that provider is also governed by that provider's terms.
8. Third-party connections
Where you connect a third-party account (for example, a crypto exchange or brokerage) or forward broker emails into Unio, you authorise Unio to read the data that connection provides in order to display and reconcile your collective's positions. Connections are data feeds: Unio does not place, modify, or cancel orders at any venue. Credentials for connections are stored encrypted.
Third-party venues are governed by their own terms. Orders you place at a venue happen outside Unio, under your authority and that venue's terms; you are responsible for ensuring your use of a connection complies with the venue's terms and for the consequences of those orders.
9. Acceptable use
You agree not to misuse the service. In particular, you will not:
- use Unio for any unlawful purpose, including fraud, market manipulation, or money laundering;
- attempt to access another collective's data or another user's account;
- probe, disable, or overload the service, or circumvent its security or rate limits;
- scrape or resell the service or its data without written permission;
- use the service in violation of export-control or sanctions laws;
- misrepresent AI output as professional financial advice when sharing it.
10. Fees
Access during the founding period is free. If paid plans are introduced, pricing and billing terms will be presented before you are charged, and continued use of paid features will require accepting them.
11. Service availability and changes
Unio is provided "as is" and "as available". We work to keep the service reliable, but we do not guarantee uninterrupted availability, and features may change, degrade gracefully, or be withdrawn. Market data shown in the product comes from third-party sources and can be delayed, incomplete, or wrong.
We may suspend or terminate accounts that breach these terms. You may stop using Unio at any time; your collective's contract governs your exit obligations to the other members.
12. Liability
Unio is a record-keeping and data-consolidation tool, and its role stops there. To the maximum extent permitted by law, Unio and its operators are not liable for investment losses, loss of profits, loss of data caused by third-party providers, or indirect or consequential loss arising from your use of the service.
Some jurisdictions do not allow certain warranties, rights, or liabilities to be excluded. Nothing in these terms excludes rights that cannot be excluded under the law that applies to you; where liability cannot be excluded, it is limited to the maximum extent that law allows.
Investment decisions are yours and your collective's alone. The Investment Disclaimer forms part of these terms.
13. Governing law and disputes
These terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules, and you submit to the non-exclusive jurisdiction of the state and federal courts located in Delaware for any dispute arising from them.
If you use Unio as a consumer, this section does not displace consumer-protection rules of the place where you live that apply to you regardless of a choice of law, or your right to bring a claim in your local courts where that right cannot be waived.
If you have a dispute with us, contact us first — most concerns can be resolved informally.
14. General
If any provision of these terms is found unenforceable, the rest remain in effect. Our not enforcing a provision is not a waiver of it. You may not assign these terms without our consent; we may assign them as part of a merger, acquisition, or sale of assets. These terms, the Privacy Policy, and the Investment Disclaimer are the entire agreement between you and Unio about the service.
15. Contact
Questions about these terms: support@unio.fund.