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 not a bank, broker, custodian, exchange, or financial adviser. Unio does not hold, transmit, pool, or custody money or financial products on your behalf. Contributions between members, and trades at any brokerage or exchange, happen outside the platform under arrangements the members control.
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 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. 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. You are responsible for what your collective decides. Unio records and tallies; it does not decide.
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.
5. 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).
6. 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.
7. 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. Credentials for connections are stored encrypted.
Third-party venues are governed by their own terms. You are responsible for ensuring your use of a connection complies with the venue's terms, and for the consequences of orders placed at any venue under your authority.
8. 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;
- misrepresent AI output as professional financial advice when sharing it.
9. 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.
10. 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.
11. Liability
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. Nothing in these terms excludes rights that cannot be excluded under applicable law, including the Australian Consumer Law; where liability cannot be excluded, it is limited to the maximum extent the law allows.
Investment decisions are yours and your collective's alone. The Investment Disclaimer forms part of these terms.
12. Governing law
These terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of its courts.
13. Contact
Questions about these terms: support@unio.fund.