Disclosures

Last updated October 5, 2026

Worthwise is not a registered investment adviser

Buildware, the operator of Worthwise, is not registered as an investment adviser with the United States Securities and Exchange Commission (SEC), any state securities regulator, or any provincial or territorial securities regulator in Canada. Worthwise does not provide investment advice, financial planning, or any other regulated financial service.

What Worthwise does

Worthwise provides:

• Tracking — a record of your existing financial accounts and balances. Accounts linked via Plaid refresh automatically; accounts you add manually use the prices you enter (except the major coins we price, which are refreshed nightly from public exchange prices), and crypto wallets use public exchange prices
• Summarization — scheduled text-message updates summarizing changes in your net worth
• Conversational answers — plain-English answers to factual questions about your existing accounts (balances, account types, period-over-period changes, savings rate)
• General guidelines, on request — one of your own figures shown next to a widely published rule of thumb from a named source (a lender convention, a government agency's definition, a large institution's published guideline), and plain explanations of how types of accounts work and who can confirm the details for you. General financial education, never a recommendation, never a statement that a guideline fits you, and computed only from money that reaches your linked accounts
• Coverage beyond Plaid — accounts imported from screenshots you send, crypto wallets tracked by public address (prices refreshed twice daily), Kalshi positions read through a key that can only view your portfolio, and combined household totals if you link with a partner

What Worthwise does not do

Worthwise does not:

• Provide investment advice, recommendations, or opinions about specific securities, asset classes, or strategies
• Predict markets, prices, returns, or economic conditions
• Provide tax, retirement, estate-planning, or financial-planning advice
• Make trades on your behalf or move money in or out of your accounts (Plaid access is read-only)
• Compare you to benchmarks or population averages with the intent of influencing your decisions
• Suggest, endorse, or predict outcomes on prediction markets such as Kalshi or Polymarket
• Endorse any specific financial institution, product, or strategy

AI-generated responses

Worthwise's conversational responses are generated by large language models from Anthropic. AI may produce inaccurate or incomplete information. Always verify critical information against your original source — your bank, brokerage, retirement plan, or other institution of record.

If you ask Worthwise for investment, tax, retirement, planning, or any other regulated advice, Worthwise will decline and direct you to a licensed advisor.

Data accuracy

Worthwise's account summaries depend on data provided by Plaid and your financial institutions, on indicative spot prices from Coinbase or Kraken public endpoints for crypto (not a consolidated market price), and on data you enter yourself. We make reasonable efforts to keep this data current but cannot guarantee accuracy or timeliness. Prices for linked holdings are the values your institution reports, usually the prior trading day, not real-time. Holdings you add by hand keep the price you gave until you give a new one, except the major coins we price, which are refreshed nightly from the same public exchange prices. Treat Worthwise as a convenience layer, not as a system of record.

Read-only access

Worthwise accesses your financial accounts through Plaid on a read-only basis. We cannot initiate transfers, place trades, or change any settings on your accounts. The same holds beyond Plaid: crypto wallets are tracked by public address, which cannot move funds, and Kalshi is connected with a key that can only read your portfolio. If you ever see suspicious activity in any of your linked accounts, contact your financial institution directly.

Consult a licensed advisor

For investment, tax, retirement, estate-planning, or any other regulated financial advice, consult a licensed professional. We recommend looking for a fee-only fiduciary; you can find one through the National Association of Personal Financial Advisors (NAPFA) at napfa.org.

No fiduciary relationship

Your use of Worthwise does not create an investment-advisory, brokerage, fiduciary, or other professional relationship between you and Buildware. Buildware is not your financial advisor and owes you no fiduciary duty with respect to your investments or financial planning.

Contact

Questions about these disclosures: help@worthwise.money

Questions? help@worthwise.money