Legal Vault
Plain language. One source of truth. No dark patterns.
This page contains all legally binding terms governing Pathway Tech products and services, including PathPlanner and Sanctum. By purchasing or using the products, you agree to all sections below.
If there is any conflict between sections, the higher authority governs. Marketing materials and product descriptions are non-binding.
Terms of Service Core agreement
Governs all other sections. Highest authority on this page.
You are purchasing a perpetual, non-exclusive, non-transferable licence to use the version of PathPlanner or Sanctum available at time of purchase.
You are not purchasing:
- a subscription
- guaranteed future features
- ongoing development commitments
- access to future systems or services
You may:
- install and use the software on devices you own
- create backup copies for personal use
- continue using the version you purchased indefinitely
You may not:
- reverse engineer or modify the software
- redistribute or resell it
- bypass licensing systems
- use it for unlawful purposes
We use commercially reasonable efforts to provide security updates through December 31, 2028. This is not a guarantee of continuous development or feature expansion.
The products are provided "as is" and "as available." We disclaim all warranties, including merchantability, fitness for a particular purpose, uninterrupted operation, and error-free performance.
To the maximum extent permitted by law, we are not liable for indirect or consequential damages, financial losses or investment decisions, data loss, or reliance on outputs. Our total liability is limited to the amount you paid for the product.
Delaware, United States law applies. Disputes are resolved through binding arbitration (JAMS), except small claims court.
Refund Policy Secondary to ToS
Refunds are available under specific conditions within 5 days of purchase.
Refund window: 5 days from purchase. Requests outside this window will not be accepted except where required by applicable law.
Refunds are only available if:
- the product fails to materially perform a core feature described on the website
- the issue occurs under supported conditions
- the issue is reproducible and verifiable
- the issue is not caused by user error, misuse, or external systems
Requests must be submitted within 5 days of purchase to support@pathwaytech.co.
Eligibility is determined in good faith based on technical verification of the reported issue.
Refunds are issued to the original payment method.
Partial refunds are based on standalone product pricing at time of purchase.
Refunded licences are immediately revoked.
Privacy Policy Data handling
We minimize data collection. Most user financial data never leaves your device.
We minimize data collection. Most user financial data is stored locally on your device.
We do not collect:
- financial data
- budgets or transactions
- personal financial content
We process limited operational data only:
- licence key validation
- IP address
- system logs for security
All financial data remains encrypted on the user's device and never leaves it.
Payments are processed by Stripe. We do not receive card or banking details.
Operational logs may be retained for up to 30 days for security and fraud prevention.
Security Policy Architecture
Local-first design. No central financial database. Keys stay on your device.
Pathway Tech uses a local-first design: financial data is stored and encrypted on-device. No central financial database exists.
AES-256-GCM encryption is used for all local data. Encryption keys are derived locally from the user PIN and are never transmitted.
We operate only licence verification systems and minimal logging infrastructure. We do not store financial user data.
No system is completely secure. Security depends on user device integrity, operating system security, and third-party software.
Security issues may be reported to support@pathwaytech.co. We acknowledge receipt within 24 hours.
Security updates are provided through December 31, 2028 using commercially reasonable efforts.
Definitions Applies to all sections
Includes user inputs, encrypted local files, and operational metadata.
Means persistent storage in Pathway Tech-controlled systems. Does not include transient processing.
Failure of core described functionality under supported conditions.
Describe system design intent, not absolute guarantees.
Industry-standard effort, not a guaranteed outcome.
Interpretation Rules
- Marketing materials are non-binding
- Terms of Service override all other content
- No implied rights exist beyond this page
- All features must be interpreted in context of documentation and supported environments
Contact
Legal, privacy, and security inquiries: support@pathwaytech.co
Response time: typically within 2 business days
Architecture & Data Separation Approved statement
The authoritative statement on system separation between consumer and institutional products.
Pathway Tech operates two architecturally separate systems. The consumer products — PathPlanner and Sanctum — are local-first: all financial data is encrypted on the user's device and never transmitted to Pathway Tech infrastructure. No behavioral data is collected from consumer product usage. The institutional research platform, currently in development under Graham Capital Holdings, is a distinct system with its own architecture, consent model, and data governance framework. It is not connected to consumer product data in any form. No data flows between the consumer and institutional systems.
This statement is approved for regulatory scrutiny, investor diligence, journalist review, and internal compliance. Last reviewed: May 2025.