Legal Compliance

Last Updated
December 6, 2023

Terms of Use Agreement

Welcome to Hadley! Hadley Investment Co. (“Hadley”) is a public benefit corporation and a registered investment adviser (“RIA”) with the United State Securities and Exchange Commission (“SEC”). Hadley was established to make higher education a more accessible and affordable reality for Americans.

This Agreement

Please read this Terms of Use agreement (the “Terms of Use” or “Agreement”) carefully. This website and any other websites of Hadley, its affiliates, or agents (collectively, the “Website”) and the information contained therein are controlled by Hadley. These Terms of Use govern the use of the Website, Hadley’s mobile application (“Application”), and apply to all internet users visiting the Website or the Application. These Terms apply to the Website and the Application, including using the services and resources available or enabled via the Website (each a “Service” and, collectively, the “Services”).

By clicking on the “I Accept” button, completing the registration process, and/or browsing the Website or downloading Hadley’s Application, you represent that (1) you have read, understand, and agree to be bound by the Terms of Use, (2) you are of legal age to form a binding contract with Hadley, and (3) you have the authority to enter into the Terms of Use personally or on behalf of the entity you have named as the user, and to bind that entity to the Terms of Use. The term “you” refers to the individual or legal entity, as applicable, identified as the user when you registered on the website. If you do not agree to be bound by the Terms of Use, you may not access or use this Website, the Application or the Services.

The Services

The Services consist of the following, as may be updated by Hadley from time to time:

Not Included in the Services

While the Services can be used to identify the right Plan for you, you must enroll in a Plan directly with the plan administrators (“Plan Administrators”). Hadley does not manage any Plans. Plans are managed by Plan Administrators and for all matters concerning the management, monitoring and administration of your Plan, you should deal directly with the Plan Administrators. Hadley is not affiliated with Plan Administrators. Hadley makes no warranties or representations whatsoever with regard to any services provided by Plan Administrators. When navigating to Plan Administrator websites or applications, understand that Hadley does not own or control (or purport to own or control) any such third-party content. You will not consider Hadley, nor will Hadley be construed as, a party to such transactions, whether or not Hadley may have received some form of revenue or other remuneration in connection with the transaction or be liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to the transaction.

Hadley may communicate with the Plan Administrator about your transactions or account information only to the extent that such communication is necessary in order to deliver services to you.

Contact your Plan Administrator or your state’s program to confirm the most current tax laws and policies. Tax laws and regulations change frequently, and their application can vary widely based on the specific facts and circumstances involved. Hadley does not offer tax services or advice. Always consult your tax advisor regarding your specific tax situation before you make any tax-related decisions.

All investment carries risk of loss, including loss of principal. Past performance does not guarantee future results. There can be no assurance that any investment will achieve its objectives or avoid substantial losses. Ownership of all investment decisions undertaken by you shall vest with you after consideration of possible risks of such decisions. Plan participants should consult with tax and financial specialists prior to opening or modifying a Plan. Plan participants should consider contribution amounts in light of personal financial circumstances. Having a Plan may marginally impact the potential amount of financial aid granted through FAFSA.

The material contained on the Website is not intended to be a recommendation or investment advice, does not constitute a solicitation to buy, sell or hold a security or investment strategy and is not provided in a fiduciary capacity. The information provided on the Website does not take into account the specific objectives or circumstances of any particular investor or suggest any specific course of action. Investment decisions should be made based on an investor’s objectives and circumstances and in consultation with her or her financial professionals. All research and other information provided on the Website has been prepared for informational purposes only and Hadley assumes no liability or responsibility for any errors or omissions in the content of the Website or any Third-Party Websites (as defined in Section 13 (Third-Party Services).

Other Material Terms

Please be aware that Section 12 (Dispute Resolution) contains provisions governing how to resolve disputes between you and Hadley. Among other things, Section 12 includes an agreement to arbitrate which requires, with limited exceptions, that all disputes between you and Hadley shall be resolved by binding and final arbitration. Section 12 also contains a class action and jury trial waiver. Please read Section 12 carefully.

Unless you opt out of the agreement to arbitrate within 30 days: (1) you will only be permitted to pursue disputes or claims and seek relief against us on an individual basis, not as a plaintiff or class member in any class or representative action or proceeding and you waive your right to participate in a class action lawsuit or class-wide arbitration; and (2) you are waiving your right to pursue disputes or claims and seek relief in a court of law and to have a jury trial.

Please be aware that Section 2.4 (Hadley Communications) of this Agreement, below, contains your opt-in consent to receive communications from us, including via e-mail, text message, calls and push notification.

Please download the Hadley app to receive your free 529 plan recommendation. The material contained on this website is not intended to be a recommendation or investment advice, does not constitute a solicitation to buy, sell or hold a security or investment strategy and is not provided in a fiduciary capacity. The information provided does not take into account the specific objectives or circumstances of any particular investor or suggest any specific course of action. Investment decisions should be made based on an investor’s objectives and circumstances and in consultation with her or her financial professionals. Past performance is no guarantee of future results. There can be no assurance that any investment will achieve its objectives or avoid substantial losses.

All research and other information provided on this website has been prepared for informational purposes only and Hadley Investment Co. assumes no liability or responsibility for any errors or omissions in the content of this website or any linked website.