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SoloSteady

Terms of Service

Last updated: October 5, 2026

1. Agreement to these terms

By using SoloSteady (the “Service”), you agree to these Terms of Service (the “Terms”). The Service is operated by Culmination Digital LLC, an Arizona limited liability company (“we,” “us,” or “our”). If you do not agree to these Terms, do not use the Service.

2. What the Service is

SoloSteady produces income summaries for self-employed individuals. We analyze the bank transaction data returned when you authorize a read-only connection to your checking or savings account through Plaid, and produce a summary of your deposit history, which you download and submit yourself. We do not send it to anyone. We also sell a do-it-yourself kit of blank templates, which uses no bank data. The documents are informational tools, not certified financial statements or legal instruments.

3. Who can use the Service

You may use the Service only if:

  • You are at least 18 years old
  • You are the rightful owner of the bank accounts you connect
  • You have the legal right to share the bank data of the accounts you connect
  • Your use of the Service is lawful in your jurisdiction

4. Your commitments

When you use the Service, you certify that:

  • The bank accounts you connect through Plaid are your own, and you will not alter any document the Service produces before you submit it
  • You will not use the Service to create fraudulent documents, deceive third parties, or misrepresent your income
  • You will not use the Service to commit identity theft, money laundering, or any other unlawful act
  • You are solely responsible for the accuracy and legality of the data you submit
  • You will complete identity verification via Stripe Identity using your own valid government-issued ID, and you will not attempt to use another person's identity documents. Identity verification happens before payment, so a failed verification is never charged.

5. What the Service is not

SoloSteady is an informational tool. It is not:

  • A certified financial statement or audit
  • A consumer report under the Fair Credit Reporting Act
  • Financial, legal, tax, or investment advice
  • A guarantee of your actual income
  • A replacement for professional advice
  • A loan offer, an approval, or lending advice

This income summary is prepared for you, for your own use. It is not a consumer report, credit report, or tenant screening report, and SoloSteady is not a consumer reporting agency. SoloSteady does not send it to anyone. It is not a loan offer, an approval, or lending advice, and SoloSteady makes and influences no lending decision.

6. Payments and refunds

Generating an income summary, or buying the do-it-yourself kit, requires a one-time payment of the price shown. Payments are processed by Stripe. Refunds follow our Refund Policy: a full refund if we fail to deliver your summary, or if its figures do not match your bank data and a re-run cannot fix them, when you ask within 14 days of purchase, and a full refund on request before your summary is delivered. We do not refund a delivered summary because you changed your mind, and we do not give partial refunds. To ask for a refund, or if you believe you were charged in error, contact support@solosteady.com with your reference number.

7. Our disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. WE DO NOT GUARANTEE THE ACCURACY OF THE BANK DATA YOUR BANK REPORTS THROUGH PLAID OR THE CALCULATIONS WE PERFORM ON THAT DATA.

SoloSteady reads the deposits your bank reports through Plaid and does not independently audit your bank's records. The Service’s calculations reflect the activity in that data. SoloSteady does not constitute financial, legal, or tax advice. Consult a qualified professional before making decisions based on any document we generate.

8. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, Culmination Digital LLC AND ITS OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR USE OR INABILITY TO USE THE SERVICE; (B) ANY THIRD PARTY’S USE OF OR RELIANCE ON A DOCUMENT GENERATED BY THE SERVICE; (C) UNAUTHORIZED ACCESS TO YOUR DATA; OR (D) ANY OTHER MATTER RELATING TO THE SERVICE.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR USD $100, WHICHEVER IS GREATER.

9. Indemnification

You agree to indemnify and hold harmless Culmination Digital LLC, its officers, employees, and agents from any claim, loss, liability, or expense (including reasonable attorney’s fees) arising out of your use of the Service, your violation of these Terms, or your violation of any third party’s rights.

10. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, if we believe you have violated these Terms or if we reasonably suspect the Service is being used fraudulently or unlawfully.

11. Governing law and disputes

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Service shall be resolved in the state or federal courts located in Maricopa County, Arizona, and you consent to the personal jurisdiction of those courts.

12. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the “Last updated” date at the top of this page. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

13. Contact

Questions about these Terms? Contact us at:

Culmination Digital LLC
8390 E Via De Ventura, Scottsdale, AZ 85258, USA
Email: support@solosteady.com