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Terms of use

Effective October 11, 2026

Advisers Give Back, Inc.

Effective date: October 11, 2026

Version: 2026-10-11

The short version

Here are the main points, in plain words. This short version is a fair summary, but the full terms below are the agreement between you and us.

  • It’s always free, and there’s nothing to buy. Advisers Give Back (AGB) is a nonprofit. We match you with a volunteer financial adviser, and you never pay anything. There are no fees and no commissions. If we ever ask whether you’d like to give, it’s so that someone else can get the same free help. Giving is optional and never expected, and saying no changes nothing.
  • Your adviser is a volunteer on your side. Your adviser gives you personal financial advice, on their own professional responsibility. Our rules require every adviser to act as a fiduciary for you: to put your interests first. They must also keep what you tell them private, never sell you anything, and never take you on as a paying client.
  • AGB itself doesn’t give financial advice, manage money or sell anything. We review and approve advisers, match you with one, and set up your meetings. Our guides and videos are general information, not advice for your situation. Every decision about your money is yours.
  • Who can sign up. Adults 18 and older who live in the United States, including its territories, with household income under $100,000 a year for one person, or $150,000 for a couple. We sometimes make exceptions, case by case.
  • Meetings are by phone. Your adviser calls you through our phone line, so your phone shows our number. You can meet as many times as you and your adviser find useful.
  • We don’t record your meetings. If that ever changes, we’ll ask you first, and you can say no.
  • Texts about your meetings. If you give us your mobile number, we text you about your meetings. Reply STOP to a text to stop texts from that number, or email us to stop all our texts. Message and data rates may apply. If you don’t reply to confirm a meeting, we cancel it about 10 hours before it starts (see section 5).
  • We never sell your information. If a library, employer or other group sent you to us, they see only totals, never anything about you. Our Privacy Policy explains who sees your information.
  • Where we use AI, we say so. AI tools help our small team. AI never decides whether you get help, who your adviser is or what advice you get.
  • If something goes wrong, tell us. We’ll look into it and get back to you. You keep your right to go to court or to a regulator. There’s no forced arbitration, and you keep your right to join a class action.
  • You can leave at any time. Ask us to delete your information and we’ll do it within 30 days. If we change these terms in a way that matters, we’ll tell you first.

1. Who we are and what these terms cover

Who we are. Advisers Give Back, Inc. (“AGB,” “we,” “us”) is a California nonprofit corporation based in Oakland, California. We’re a public charity, tax-exempt under section 501(c)(3) of the Internal Revenue Code. “You” means you, the person using our services.

What these terms are. These terms are an agreement between you and AGB. They cover all of AGB’s services (“our services”):

  • our website, advisersgiveback.org, in English and Spanish, including our partner pages, our campaign pages (like the Golden State Opportunity, or GSO, pages), our Donate and fundraising pages, our Money guides, our impact dashboard and our podcast, The Judgment Layer;
  • our sign-up forms, and our meeting, booking and to-do pages, wherever they are hosted;
  • the adviser app and our application for volunteer advisers;
  • our phone line, and the texts, emails and chat messages we exchange with you;
  • our webinars;
  • our feedback forms and surveys;
  • the reports and dashboards we share with partners, funders and firms; and
  • any test or preview version of our tools that we invite people to try.

Our guides, videos and calculators are part of our website.

Who they’re for. These terms are for everyone who uses our services: people who sign up for help, website visitors, webinar guests, podcast listeners and donors. Volunteer advisers, partner organizations and financial firms in our programs may also have a separate agreement with us. Where that agreement and these terms differ, the separate agreement controls.

Documents that go with these terms.

  • Our Privacy Policy explains what information we collect, how we use it, who sees it, and your choices. Please read it.
  • Our Text Message Terms (Appendix A) cover texts.
  • Our Giving Terms (Appendix B) cover donations.
  • Your own choices, like whether we may share your words, each have their own record. Each choice controls its own topic.

When these terms apply. These terms apply whenever you use our services, whether or not you’ve signed up for help.

2. Who can use AGB

One-on-one help is for adults in the United States. To sign up for an adviser, you must:

  • be 18 or older;
  • live in the United States, including its territories;
  • have household income under $100,000 a year for one person, or under $150,000 a year for a couple.

We sometimes make exceptions, case by case.

Families. We help people and families. If you sign up for your household, you’re the one who meets with the adviser, and your family benefits through you.

Partner programs. Some partners offer AGB to a particular group, like a school district’s staff. Their page may add a rule, such as who in that group can sign up.

Please answer honestly. We rely on what you tell us, and we may ask a follow-up question. If you knowingly give false answers to qualify, we may end your meetings (see section 22).

If your situation changes. If your income goes over our limit after you’ve started meeting with your adviser, you can keep meeting for the help you’ve started.

If you’re over the limit. We’ll point you to public directories of financial advisers, such as CFP Board’s Let’s Make A Plan (letsmakeaplan.org) and NAPFA’s Find an Advisor (napfa.org). We don’t introduce you to our volunteers as paid advisers, we don’t send your details to any adviser, and we get nothing for these suggestions.

If you think we got it wrong. Email [email protected] and a person will take another look.

If you’re under 18. Please don’t sign up. If we learn that someone under 18 has signed up, we’ll close the account and delete their information, as our Privacy Policy explains.

We can’t promise a match or a time. Our advisers volunteer, and there are only so many of them. Sometimes more people are waiting than there are advisers to help. Fewer advisers speak Spanish or share a particular background. We’ll do our best, but we can’t promise when you’ll be matched, a particular time, or a particular kind of adviser.

3. What AGB is, and what it isn’t

What AGB does. AGB reviews and approves volunteer financial advisers, matches each person who signs up with one, and sets up their meetings. Each adviser gives personal financial advice, on their own professional responsibility, as a volunteer in AGB’s program. AGB itself doesn’t give financial advice, manage money or sell anything.

In more detail, we:

  • review volunteer advisers, and approve each one before anyone can book them;
  • match you with an adviser;
  • set up your meetings, run our phone line and send reminders;
  • answer your questions about AGB and your meetings;
  • publish free guides, videos, webinars and a podcast with general information about money.

What we don’t do. AGB itself:

  • doesn’t give financial, investment, tax or legal advice (your adviser gives you advice, as section 4 explains);
  • doesn’t manage, hold or move your money, and has no way to;
  • never charges you anything, doesn’t sell anything, and earns no fees or commissions from your decisions;
  • isn’t a bank, lender, broker, insurance company, tax preparer, credit counselor or law firm;
  • isn’t an emergency service (see section 15).

No promise of results. Even good advice can’t promise how things will turn out. Prices, markets, interest rates and laws change. Neither we nor your adviser can guarantee results.

4. Your adviser

A volunteer, giving you personal advice. Your adviser is a financial professional who volunteers with AGB. You never pay them, and AGB doesn’t pay them. Under our rules, they can’t earn anything from what you decide. The advice they give you is their own professional judgment, given on their own professional responsibility as a volunteer in AGB’s program.

Insurance. AGB carries professional liability insurance that covers claims involving its volunteer advisers.

What they can help with. Most people come with something specific in mind. Common topics are paying down debt, building emergency savings, budgeting, credit, buying a home, saving for retirement, the costs of raising children, self-employment and gig work, getting started with investing, and taxes. That list is just examples. Under our rules, your adviser helps only within what they know. If a question is outside it, they’ll tell you and suggest where to go.

What your adviser never does. Under our rules, your adviser never:

  • handles your money, or acts for you under a power of attorney;
  • asks for your passwords, full account numbers or Social Security number;
  • charges you anything, or accepts gifts from you.

The rules that protect you. Our rules require every adviser to:

  • act as a fiduciary for you, which means putting your interests first;
  • keep what you tell them private, and share it with no one outside AGB without your OK;
  • never sell or promote any product or service to you, theirs or their firm’s;
  • never take you on as a paying client, theirs or their firm’s, now or ever;
  • tell you about any conflict of interest, and step back if it can’t be managed.

If an adviser breaks these rules, tell us (see section 18). We can remove an adviser from the program.

First names. You’ll know your adviser by their first name only. Please keep in touch through AGB, and don’t ask for their personal phone number, email or firm. Today, your adviser’s app also gets your last name, phone number and email address. It shows your phone number, so your adviser can call you directly if a call through our line doesn’t connect.

How we approve advisers. We approve every adviser before anyone can book them. Before we approve an adviser, we look them up in the public records that regulators and CFP Board keep. These include FINRA BrokerCheck, the SEC’s adviser search and CFP Board’s verification page, wherever the adviser appears in them. If you have a question about your adviser’s background, email us.

Meeting over time. You can meet as many times as you and your adviser find useful. Your adviser helps you decide what to do. They don’t carry out your plan or watch your accounts for you.

If it isn’t a good fit. You can ask for a different adviser at any time. Tell us, and we’ll try to match you with someone else.

If your adviser stops volunteering, we’ll let you know and help you find a new adviser.

5. Meetings, scheduling and confirmations

Booking. After you sign up, we match you with an adviser, and you pick one of their open times. We email you a calendar invitation to confirm the booking. It shows the day, the time and the number the call will come from.

Confirming. If you gave us a mobile number, we text you about 23 hours before your meeting and ask you to reply Y to confirm or N to cancel. If you don’t reply, we ask up to two more times over the next several hours.

If you don’t confirm. To keep your meeting, reply Y. If you haven’t replied Y by about 10 hours before the meeting, we cancel it and text you to say so. You can book again at any time. If you can’t get texts, or you’ve replied STOP, email [email protected] before your meeting to confirm it, and we’ll do our best to keep it.

Changing or canceling. If you can’t make it, please cancel or change your meeting as early as you can, using the link we sent you or by emailing us. That frees the time for someone else.

At the meeting time. Your adviser calls you through our phone line. It helps to be somewhere you can talk privately.

If your adviser can’t make it. Advisers sometimes have to cancel. If yours does, we’ll tell you and help you book another time. If your adviser doesn’t call, let us know.

If you miss a meeting. Life happens. You can book again.

After a meeting. Your adviser may add next steps to your to-do list.

6. Phone meetings and recording

Our phone line. Your adviser calls you through our phone line, which Twilio runs for us. Your phone shows our number, not your adviser’s. Your adviser’s app also shows your phone number, as a backup. If a call through our line doesn’t connect, your adviser may call you directly from their own phone. If they do, you’ll see their number.

We don’t record meetings. If that ever changes, it will be your choice: we’ll ask you first, and you can say no.

Don’t record a meeting yourself unless your adviser agrees first. In California and several other states, it’s against the law to record a call without everyone’s consent.

7. Texts and email

Email. We email you about your sign-up and your meetings, such as calendar invitations and reminders. These emails are part of the service. If you’ve signed up for help, we never send you fundraising emails or texts, or offers from other organizations. We send you news only if you say yes, and every news email has an unsubscribe link and our mailing address.

Writing to your adviser. Email [email protected]. We pass your message on to your adviser and keep a copy. Please don’t send account numbers, passwords or Social Security numbers.

Texts. If you gave us your mobile number when you signed up, we text you about your meetings.

  • We text only about your meetings and about questions you send us. Never ads, fundraising or offers from others.
  • Our meeting reminders come from our toll-free numbers, (888) 231-4042 and (833) 600-1344.
  • To stop texts, reply STOP to any text, and that number can’t text you again. Our texts come from more than one number today, and replying STOP to one may not stop texts from the others. To stop all of them, email us. If you email us to stop texts, we’ll stop within 10 business days at most. Reply HELP for an automatic reply, or email us for help.
  • Stopping texts doesn’t close your account. But after you stop our texts, we may not be able to text you to confirm your meetings. Section 5 explains how to confirm them without texts.
  • Message frequency varies: up to about 10 texts for each meeting. Message and data rates may apply.
  • Some texts are sent automatically, even when they’re signed by a person on our team.
  • For now, our automatic texts are in English only.
  • Phone companies aren’t responsible for texts that arrive late or not at all.

Our Text Message Terms in Appendix A have the details.

Keep your contact details up to date. Tell us if your email address or phone number changes. Phone numbers get passed on to new people, and we don’t want to text a stranger about your meetings.

What we never ask for. We’ll never ask for a password, a bank login or your Social Security number or ITIN, by email, text or phone. We don’t ask about immigration status. If someone claiming to be from AGB asks for any of these, it isn’t us. Please tell us at [email protected].

8. AI tools

What you can count on.

  • AI never decides whether you can get help, who your adviser is, what advice you get, or how we handle a concern. People do.
  • AI isn’t your adviser. Anything an AI tool writes can be wrong. Check with your adviser before you act on it.
  • We don’t use an AI chatbot to answer your questions.
  • We don’t build or train our own AI with your information.
  • If you’d rather we didn’t use AI tools on your records, tell us, and we’ll leave them out.
  • Our Privacy Policy names the companies whose AI tools we use.

Where we use AI today.

  • To study our program. Our team uses AI tools, including Claude by Anthropic, to look for patterns in our records, like messages with our support team and feedback, so we can improve AGB. These records can include your name and what you told us. Our team uses Claude under an individual Anthropic plan, with Anthropic’s setting that lets it use our chats to improve its models turned off.
  • To sort messages. Intercom, the tool we use for messages, uses AI to give each conversation a short title, so our team can sort them.
  • For our podcast. Our podcast is written and voiced with AI tools. It uses no information about clients.
  • A preview for invited clients. A few clients we invite can try an early version of our app. In it, our AI guide, Sage (built on Anthropic’s Claude), reads that person’s answers and recent messages with our team to suggest a few of our guides.

9. Your account and signing in

No password. If you’ve signed up for help, you don’t need a password, and we’ll never ask you for one.

Links that open your pages. Some of our pages open straight from a link we send you by email or text, with no sign-in. Examples are the page where you book or change a meeting, and your to-do list. Anyone who has one of these links can open that page. So treat these links like a key: don’t forward them or post them anywhere.

If something seems wrong. If you think someone else has one of your links, or got into your account, tell us right away at [email protected]. We won’t hold you responsible for what someone else does with your link or account without your permission.

10. Your information, feedback and stories

What you share stays yours. Your answers, your words and anything you send us belong to you. You give us permission to use them only in the ways our Privacy Policy describes:

  • to store them;
  • to show them to your adviser, and to the people at AGB who need them to help you;
  • to have the companies that run our systems handle them for us (our Privacy Policy names them);
  • to keep the program safe and make it better, for example by reading feedback and studying our records;
  • to keep records the law requires;
  • to count them in totals that can’t identify you.

This permission ends when your information is deleted under our Privacy Policy. We don’t publish what you share, sell it, or let anyone use it for their own purposes, except stories and quotes you say yes to (below).

Please don’t share full account numbers, Social Security numbers, ITINs or passwords. Share other people’s private information only if they’ve said it’s OK.

Feedback. When you rate a meeting or tell us how it went, we use your answers to improve AGB, to help advisers get better, and to keep the program safe. Your adviser doesn’t see your ratings or your private comments to our team.

Thank-you notes. If you write a thank-you note to your adviser, we pass it on to them in your own words.

Ideas. If you send us ideas for improving AGB, we may use them freely, without paying you.

Stories and quotes: only with your yes. We share your words publicly only if you say yes. So far, we’ve asked one question: whether we may share your words to help others find AGB. If you said yes, we may use your words on our website, in our reports and on materials we make with partners, with your first name only.

  • We never use your last name or contact details.
  • We never let a financial firm use your words in its own marketing.
  • We never publish a story about you, even one your adviser writes, without your yes.
  • You can change your mind at any time by emailing [email protected]. We’ll stop using your words in anything new and take them off our website within 7 days, but we can’t take back copies already printed or shared.

11. Using AGB respectfully

Please do:

  • treat your adviser and our team with respect. Advisers are volunteers giving their own time;
  • give us true information;
  • keep in touch with your adviser through our phone line and email.

Please don’t:

  • sign up for someone else without their OK;
  • ask your adviser to meet in person, or for their personal contact details;
  • record a meeting unless your adviser agrees first (see section 6);
  • try to sell anything to your adviser, recruit them, or ask them to take you on as a paying client;
  • share other people’s private information without their OK;
  • harass, threaten or insult anyone, or share anything unlawful, hateful or sexual;
  • pretend to be someone else, or use someone else’s links or account;
  • try to break into, overload or copy our systems (for example, with bots or scraping tools), or use our services for anything illegal.

If someone breaks these rules, we may warn them, remove what they shared, or pause or end their use of AGB (see section 22). If the law requires it, or someone is at risk, we may report it to the authorities.

12. Donations

  • We never charge you, and we never will. AGB is always free for the people it helps. If anyone claiming to be from AGB asks you to pay for help, it isn’t us. Please tell us.
  • Giving is paying it forward. A gift helps fund someone else’s meeting, so the next person gets the same free help you do.
  • Giving is optional and never expected. Whether you give, and how much, never changes the help you or anyone else gets.
  • Our sign-up form asks what, if anything, you might give later. Answering is optional, and your answer never changes the help you get.
  • We never ask you to give by text.
  • Our Giving Terms in Appendix B explain receipts, monthly gifts and refunds.

13. Partners and firms

Partner pages. We work with libraries, community groups, schools, employers and others who tell the people they serve about AGB. Some have a page on our website with their name and logo. If you sign up through a partner’s page or link, we note which partner sent you, so we can count how many people each partner reached.

What partners see. Partners see only totals, like how many people signed up through them. They never see anything about you as a person: not your name, not what you told us or your adviser, and not whether you met with an adviser. In most reports, we hold back any number about fewer than 10 people. A few numbers use smaller groups today, as our Privacy Policy explains.

If your employer offers AGB, your employer never learns from us whether you signed up or met with an adviser.

Some partners also fund our work. That never gives them access to your information, and it never changes the help anyone gets.

Partners don’t choose or supervise advisers, and the help is the same wherever you sign up. Showing a partner’s name doesn’t mean we endorse its own products or services.

Financial firms. Some of our advisers work at financial firms, and some firms donate to AGB. The rules don’t change: your adviser can’t sell you anything or take you on as a paying client, and the firm never gets information about you.

14. Guides, webinars and our podcast

  • General information, not advice for you. Our guides, videos, calculators, webinars and podcast explain money topics in general. They aren’t advice for your situation. Talk with your adviser before you act on them.
  • Check the date. Figures like tax amounts and interest rates change. Each of our Money guides shows the month it was last updated.
  • Calculators give estimates from the numbers you enter.
  • Webinars are recorded. We send the recording to everyone who signed up, and we may post it on our website. If you speak, or type in the chat or Q&A, others may see it, and it may be in the recording. Zoom runs our webinars, and its terms apply too.
  • Our podcast is for financial professionals. It’s written and voiced with AI tools and reviewed by our team. If you listen through an app like Spotify or Apple Podcasts, that app’s terms apply too.

15. Other help, and emergencies

Other organizations. Sometimes we or your adviser may point you to other free help, such as nonprofit credit counseling, legal aid or free tax preparation. Those organizations are independent, and their own terms apply. We get nothing for these referrals.

AGB can’t help in an emergency.

  • If you or someone else is in danger, call 911.
  • If you’re thinking about suicide, or you’re in crisis, call or text 988 (the 988 Suicide & Crisis Lifeline).
  • For local help with food, housing, utilities or an eviction notice, call 211 or visit 211.org.

16. Our name, our content and copyright

Our content. Our website, guides, videos and other materials belong to AGB or to people who let us use them. You may read, print and share them for personal, noncommercial use, such as helping a friend or family member, as long as you don’t change them or remove our name. For any other use, ask us first. Partners use our name and materials as we agree with them.

Linking. You’re welcome to link to our website. Please don’t suggest that we endorse you, and don’t use our logo without our permission.

Our name and logo. “Advisers Give Back” and our logo are our trademarks. Please don’t use them in a way that could confuse people about who we are or what we endorse.

Other marks. Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® professional certification marks. Other names and logos belong to their owners.

Copyright complaints. If you believe something on our services copies your work without permission, send us a notice:

  • Email: [email protected]
  • Mail: Advisers Give Back, Inc., 490 43rd Street, Suite 350, Oakland, CA 94609

Your notice must include what federal law requires (17 U.S.C. § 512(c)(3)):

  • your physical or electronic signature;
  • the work you believe was copied;
  • the material on our services you’re complaining about, and where it is;
  • how to reach you;
  • a statement that you believe in good faith that the use isn’t authorized;
  • a statement, under penalty of perjury, that your notice is accurate and that you own the copyright or may act for the owner.

We remove material when the law requires it. In appropriate cases, we end the access of anyone who repeatedly infringes others’ copyrights.

17. What we can’t promise

  • Our website, guides and tools come as they are. We work to keep them accurate, safe and working, but we can’t promise they’ll always be complete, current, error-free or available.
  • We can’t guarantee a match, a time or a result (see sections 2 and 3).
  • Other websites. We link to other organizations’ websites. We don’t control them, and their own terms and privacy policies apply.
  • Events outside our control. We aren’t responsible for delays or failures caused by events we couldn’t reasonably prevent, like widespread phone or internet outages or natural disasters.

Nothing in this section limits our responsibility under section 19, or any right the law gives you that can’t be waived.

18. If something goes wrong

Tell us. Tell us if anything about your adviser or a meeting feels wrong: for example, if they try to sell you something, ask for money or account details, or make you uncomfortable. Tell us too if we’ve made a mistake. Email [email protected].

What we’ll do. A person at AGB reviews every concern and sends you a first reply within 5 business days. We may pause or remove an adviser, and we’ll match you with someone new if you want. If we need to talk with your adviser about what happened, we’ll tell you first, and we’ll share only what we need to. We’ll tell you what we did, as far as we can without sharing someone else’s private information.

You can also go to a regulator, at any time. You don’t have to come to us first. Depending on your adviser’s credentials and registrations, you can contact:

  • CFP Board (cfp.net), about advisers who are CFP® professionals;
  • FINRA (finra.org), about brokers;
  • the U.S. Securities and Exchange Commission (sec.gov), about investment advisers;
  • your state’s securities regulator (find yours at nasaa.org). In California, that’s the Department of Financial Protection and Innovation (dfpi.ca.gov);
  • your state’s attorney general. In California, the Attorney General (oag.ca.gov) also oversees charities.

19. Our responsibility to you

Our part. We’re responsible for doing our part with reasonable care. Our part is reviewing and approving advisers, matching and scheduling, running our phone line and tools, protecting your information as our Privacy Policy describes, and acting on concerns you raise. If we fall short and you’re harmed, you can hold us responsible.

Your adviser’s part. Your adviser is responsible for the advice they give you (see section 4). AGB carries professional liability insurance that covers claims involving its volunteer advisers.

Your part. You decide what to do with your money. You don’t have to follow any advice, from your adviser or from us. Tell your adviser the truth about your situation, so their help fits it.

What we don’t ask of you. These terms:

  • don’t cap the amount you can recover from us;
  • don’t ask you to release us from responsibility;
  • don’t ask you to pay our costs or defend us if someone makes a claim against us.

One limit. As far as the law allows, we aren’t responsible for indirect losses, such as lost profits, that come from using our website, guides or tools. This limit doesn’t apply to our part in your meetings, such as how we approve and match advisers, or to how we protect your information.

What these terms never limit. Nothing in these terms limits responsibility for gross negligence, fraud, intentional harm or breaking the law. Nothing takes away a right the law says you can’t give up, including your rights under California Civil Code section 1668 and California’s laws on personal information (Civil Code sections 1798.80 to 1798.84).

20. Disputes

1. Tell us first. If you have a problem with AGB, tell us at [email protected] or by mail, and say what you’d like us to do. We’ll try to fix it within 30 days. From the day you tell us, the time limit for bringing a legal claim stops running for 30 days. You don’t have to wait if you need an urgent court order to prevent harm. This step doesn’t apply to complaints to regulators.

2. Then, if we can’t fix it, you can go to court.

  • You can file in small claims court, in the county where you live or in Alameda County, California.
  • Other claims go to the state courts in Alameda County, California, or the federal court for the Northern District of California.

3. No forced arbitration. You don’t have to arbitrate. You keep your right to go to court, to a jury trial where the law provides one, and to join a class action.

4. Which law applies. California law applies to these terms. If you live in another state, you keep any protection your state’s law gives you that can’t be given up by agreement.

5. The same steps for us. If we ever have a claim against you, we’ll follow the same steps.

6. Problems with your adviser. These terms don’t require you to mediate or arbitrate anything with your adviser. They don’t limit any right you have to complain about your adviser to a regulator, or to bring a claim, including through FINRA.

21. Changes to these terms

We date and keep every version. Each version has a date and a version number. To get a copy of an earlier version, email [email protected].

Changes that matter. If we change something that affects your rights or what we promise you, we’ll email you at least 30 days before the change takes effect, and explain what’s changing. If you keep using AGB after a change takes effect, the new version applies from then on.

Small changes. For small changes that don’t reduce your rights, like a new address or clearer wording, we’ll update the version and the date.

Never backward. A change never applies to a dispute that started before the change took effect.

If you don’t agree, you can stop using AGB and ask us to delete your information (see section 22).

Our earlier terms. These terms replace our earlier terms of use, last updated October 27, 2021. We won’t use any part of those earlier terms against you unless it’s also in these terms. That includes their release of our responsibility, their limit on what you can recover, their promise to pay our costs, and their arbitration clause.

22. Leaving, and when we may pause or end your use

You can stop at any time. Just stop booking meetings. To close your account and have us delete your information, email [email protected] or [email protected]. A person on our team will do it within 30 days and tell you when it’s done. Our Privacy Policy explains the few records we must keep, like donation records for taxes.

When we may pause or end your use. We may pause or end your use of AGB if:

  • you seriously or repeatedly break these terms (see section 11);
  • you put an adviser, our team or anyone else at risk;
  • you knowingly gave false answers to qualify;
  • the law requires it.

We’ll tell you why, and we’ll warn you first, unless it isn’t safe or legal to do so. You can ask us to reconsider by emailing [email protected].

If we change or stop a service. We may change or stop parts of our services. If we ever stop offering advisers to clients, we’ll tell you as early as we can. Where we can, we’ll honor or reassign meetings already booked, and we’ll tell you how to get a copy of your information.

What still applies after you leave. Sections 10 (how we may use what you shared), 16, 19, 20, 24 and 25 keep applying to what happened while you used AGB.

23. Accessibility

We want everyone to be able to use AGB. If something on our website, in our messages or in a meeting is hard for you to use, or you need information in another format, email [email protected]. Tell us what works for you, and we’ll work with you to find a way.

24. Language

We publish these terms in English and Spanish. Both versions are official. If they ever seem to say different things, we follow the one that’s better for you. You can write to us in English or Spanish.

  • The whole agreement. These terms, with the documents and choices listed in section 1, are the whole agreement between you and AGB about our services.
  • Which document wins. If these terms and a separate agreement or choice disagree about a topic, the one written for that topic wins. For example, your choice about texts controls texts.
  • If part can’t be enforced, the rest still applies.
  • If we don’t enforce a term right away, we haven’t given it up.
  • Transfers. We may transfer these terms only to another nonprofit that takes over our program and agrees to keep these terms and our Privacy Policy. We’ll tell you first. You can’t transfer your rights under these terms to someone else.
  • Only you and AGB. These terms are between you and AGB. No one else can enforce them against you.
  • Notices. We’ll send notices to the email address you gave us. You can send notices to [email protected] or to our mailing address in section 26.
  • Examples. When we say “for example,” “such as” or “including,” the list isn’t complete.

26. How to reach us

Our team reads info@ and privacy@ and sends a first reply within 5 business days.

Appendix A. Text Message Terms

These terms cover the texts Advisers Give Back sends about your meetings. They’re part of our Terms of Use.

  • Program: Advisers Give Back meeting texts.
  • Who sends them: Advisers Give Back, Inc. Our meeting reminders and confirmations come from our toll-free numbers, (888) 231-4042 and (833) 600-1344. Replies from our team may come from another of our numbers.
  • Who gets them: If you gave us your mobile number when you signed up, we text you about your meetings.
  • What we send:
    • a welcome text when you sign up;
    • reminders before your meetings, asking you to confirm, and a short reply when you answer;
    • changes to your meetings, like a meeting canceled because it wasn’t confirmed in time, or an adviser who has to cancel, and how to book again;
    • replies from our team when you text us.
  • What we never send: ads, fundraising requests or offers from other organizations.
  • How often: Message frequency varies: up to about 10 texts for each meeting.
  • Cost: We never charge for texts. Message and data rates may apply, depending on your phone plan.
  • Confirming or canceling a meeting: When a reminder asks, reply Y to confirm or N to cancel that meeting. N cancels only that meeting; it doesn’t stop texts. If you haven’t replied Y by about 10 hours before the meeting, we cancel it and text you to say so. You can book again at any time. If you can’t get texts, or you’ve replied STOP, email [email protected] before your meeting to confirm it, and we’ll do our best to keep it.
  • To stop texts: Reply STOP to any text, and that number can’t text you again. UNSUBSCRIBE, STOPALL and CANCEL work the same way. Our texts come from more than one number, and replying STOP to one may not stop texts from the others. To stop all of them, email us. If you email us to stop texts, we’ll stop within 10 business days at most. After you stop our texts, we may not be able to text you to confirm your meetings, so email us before each one. If you reply CANCEL, that stops texts from that number; to cancel just a meeting, reply N instead.
  • To start again: Reply START or UNSTOP to the number you stopped.
  • For help: Reply HELP for an automatic reply, or email [email protected].
  • If a text doesn’t arrive: Phone companies aren’t responsible for texts that arrive late or not at all. If a reminder doesn’t arrive, email us to confirm your meeting.
  • Your privacy: We never sell or share your mobile number, or your agreement to get texts, with anyone for their own marketing. Twilio, our phone provider, and Intercom, the tool our team uses for messages, handle our texts for us. Our Privacy Policy has more.
  • If your number changes: Tell us. If you get a number that used to be someone else’s and we text you by mistake, reply STOP.
  • Spanish: For now, our automatic texts are in English only. To confirm or cancel a meeting, reply Y or N.

Appendix B. Giving Terms

These terms cover donations to Advisers Give Back. They’re part of our Terms of Use.

Giving is paying it forward. AGB is always free for the people it helps. A gift helps fund someone else’s meeting, so the next person gets the same free help. Giving is optional and never expected.

  • Who you’re giving to. Advisers Give Back, Inc., a California nonprofit corporation and a public charity, tax-exempt under section 501(c)(3) of the Internal Revenue Code. Our federal tax ID (EIN) is 84-4685390.
  • Taxes. Your gift is tax-deductible to the extent the law allows. We don’t give goods or services in return for gifts. If a campaign ever does, its page will say so, and your receipt will show their value.
  • Receipts. You’ll get a receipt by email for each gift, including each monthly gift. Keep it for your taxes.
  • Paying. You enter your card details on our payment company’s secure form, not on our pages. We never see your full card number. On our Donate page, gifts go through Give Lively, a giving platform for nonprofits, which processes payments through Stripe, and Give Lively’s own terms also apply. Some of our fundraising pages use Stripe directly.
  • Monthly gifts. A monthly gift is charged on the same date each month until you cancel. To change or stop it, email [email protected] at least 2 business days before your next charge. If a charge goes through after you asked us in time, we’ll refund it.
  • Refunds. If you gave by mistake, for example the wrong amount or the same gift twice, email us within 30 days and we’ll refund it. After 30 days, or for other reasons, ask us and we’ll consider it. A refunded gift isn’t tax-deductible.
  • How we use gifts. Gifts fund AGB’s work of giving people free one-on-one help, unless a campaign says the money is for something specific.
  • Your privacy. We never sell, rent, trade or share donors’ information with other organizations. We name a donor publicly only with permission. Our Privacy Policy has more.
  • Giving never affects help. Whether you give, and how much, never affects the help you or anyone else gets. Your adviser’s app doesn’t display whether you gave or your answer to our question about giving. Today, though, the app does receive that answer along with your other sign-up answers.
  • Other ways to give. Donor-advised funds can recommend a grant to Advisers Give Back, Inc., EIN 84-4685390. You can mail a check to Advisers Give Back, Inc., 490 43rd Street, Suite 350, Oakland, CA 94609. We also accept gifts from outside the United States. If you give from another country, whether your gift is tax-deductible depends on where you file your taxes.
  • Questions: [email protected]