Last updated 26 August 2026 · Effective immediately for all accounts
1. Client agreement
These Terms & Conditions ("Terms") form a binding agreement between you ("Client") and Affirm Consult LLC ("Affirm Consult", "we", "us"), a registered investment adviser with its principal office at 1601-1 N Main St #3159, Jacksonville, FL 32206.
By opening an account, funding it, or using the client platform, you accept these Terms together with our Privacy Policy and any strategy-specific documentation provided to you. If you do not accept them, do not use the platform.
We may amend these Terms. Material changes will be notified by email at least 30 days before taking effect, except where a shorter period is required by law or regulation.
2. Eligibility & identity verification
Accounts are offered by introduction and at our discretion. To open and maintain an account you must:
- Be at least 18 years old and legally capable of entering into a binding contract
- Complete identity verification (KYC), including a government-issued photo ID and biometric match
- Provide proof of residential address dated within the last 90 days
- Submit tax certification (Form W-9 for US persons, W-8BEN for non-US persons)
- Pass sanctions, politically-exposed-person, and anti-money-laundering screening
Certain strategies — including alternatives and private transactions — additionally require accredited-investor status evidenced by income, net worth, or professional certification.
Ongoing obligation. You must keep your information current. We may suspend account activity, including withdrawals, where verification is incomplete, expired, or where information appears inaccurate.
3. Accounts, tiers & limits
Accounts are assigned a service tier based on assets under management and completed verification. Tiers determine transaction limits, advisory access, and eligible strategies.
| Tier | Assets under management | Daily withdrawal limit |
|---|---|---|
| Client | Up to $1,000,000 | $50,000 |
| Private Client | $1,000,000 – $5,000,000 | $250,000 |
| Private Wealth | $5,000,000 – $25,000,000 | $1,000,000 |
| Family Office | $25,000,000+ | By arrangement |
Limits may be increased on request, subject to compliance review. We may lower limits without notice where required for risk, fraud, or regulatory reasons.
4. Advisory services
Where you grant discretionary authority, we manage your portfolio in accordance with the mandate agreed with your adviser — including asset allocation, security selection, and rebalancing — without seeking approval for individual transactions.
Where the relationship is non-discretionary, we provide recommendations and you retain decision-making authority. We act as a fiduciary and place your interests ahead of our own.
Nothing on the platform constitutes tax or legal advice. You should consult your own advisers regarding your particular circumstances.
5. Fees & charges
Management fees
| Assets under management | Annual fee |
|---|---|
| First $1,000,000 | 1.00% |
| $1,000,000 – $5,000,000 | 0.85% |
| $5,000,000 – $25,000,000 | 0.65% |
| Above $25,000,000 | Negotiated |
Management fees accrue daily and are billed quarterly in arrears, calculated on average daily account value.
Transaction & funding fees
| Type | Method | Fee |
|---|---|---|
| Deposit | Bank transfer (ACH) | 3.0% |
| Deposit | Wire transfer | 3.4% |
| Deposit | Debit card | 2.4% |
| Withdrawal | Bank account / debit card | No fee |
| Withdrawal | Crypto off-ramp | Network fee at cost |
Deposit fees are deducted from the gross amount; the net figure is credited to your account and is disclosed before you confirm. Third-party costs — custodial charges, exchange fees, taxes, and fund expenses — are additional and passed through at cost.
6. Deposits
Deposits are accepted only from accounts held in your own name. Third-party funding is refused and returned, less any costs incurred.
- ACH transfer — typically credited in 1–3 business days
- Wire transfer — same day where received before 3:00pm ET on a business day
- Debit card — credited instantly, subject to issuer approval
Deposited funds may be subject to a holding period before they are available for withdrawal, to guard against payment reversal.
7. Withdrawals & payouts
Same-name rule. Funds are returned only to instruments verified as belonging to you. We do not send payouts to third parties under any circumstances.
Permitted destinations are strictly limited to:
- Bank account — must be held in the identical legal name as your Affirm Consult account; name mismatches are rejected
- Debit card — returns are permitted only to the same card used to fund the account, and only up to the amount originally deposited by that card
- Verified crypto wallet — see section 8
Withdrawals require two-factor authentication. Requests are processed on business days and are subject to your tier limits, available cash, and settlement of any pending trades. Large or unusual requests may require additional verification.
We may delay or decline a withdrawal where required by law, where fraud is suspected, where verification is outstanding, or where a court or regulator directs us to do so.
8. Crypto off-ramping
Off-ramping to digital assets is available only to wallets that you have verified through the platform and that pass compliance screening. Verification establishes wallet control and screens the address against sanctions lists and known-illicit-activity databases.
- Only wallets you control may be registered; custodial or exchange-hosted addresses may be refused
- Screening (KYT) is performed on every off-ramp; flagged addresses are blocked
- Network fees are borne by you and quoted before confirmation
- Blockchain transactions are irreversible — verify the address and network carefully
Irreversibility. We cannot recover assets sent to an address or network you entered incorrectly. Confirm details before authorising an off-ramp.
9. Trading & order execution
Orders placed through the platform are transmitted to our executing brokers. Market orders execute at the next available price, which may differ from the price displayed at the time of submission.
Prices, charts, and market data are provided for information only, may be delayed, and are not warranted as accurate or suitable for trading decisions. We are not liable for losses arising from reliance on displayed data.
We may decline, cancel, or unwind orders that breach limits, would create an unsuitable exposure, or appear erroneous, manipulative, or in breach of market rules.
10. Risk disclosures
Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Target returns are objectives, not guarantees, and may not be achieved.
- Market risk — the value of investments fluctuates and may fall as well as rise
- Concentration risk — our strategies hold concentrated positions, which increases volatility relative to a diversified index
- Liquidity risk — real estate, private credit, and alternatives may be difficult to sell promptly and at fair value
- Leverage risk — where borrowing is used, losses as well as gains are magnified
- Interest rate and inflation risk — affecting fixed income and property valuations in particular
- Digital asset risk — extreme volatility, evolving regulation, and irreversible transfers
Figures shown in the client platform, including illustrative allocations and performance, may be representative and should not be relied upon as a statement of your actual holdings. Your official statements govern.
11. Custody & asset protection
Client securities and cash are held at qualified third-party custodians, segregated from the firm's own assets. Affirm Consult does not take physical possession of client funds except for the deduction of authorised fees.
Brokerage accounts are held with SIPC-member firms; SIPC protects against custodial failure, not market losses. Digital assets and certain private investments are not covered by SIPC or FDIC insurance.
12. Data & privacy
We collect and process personal and financial information to provide services, verify identity, and meet legal obligations. Data is encrypted in transit and at rest, and access is restricted to personnel who require it.
We do not sell client data. Information is shared only with custodians, brokers, verification and compliance providers, auditors, and regulators, as necessary. See our Privacy Policy for detail on retention and your rights.
13. Suspension & termination
You may close your account at any time by written notice. We will liquidate or transfer positions as instructed and return remaining balances to a verified instrument in your name, net of accrued fees and settlement.
We may suspend or terminate an account where verification fails or lapses, where we suspect fraud, money laundering, or market abuse, where required by law, or where the relationship falls outside our mandate. Where lawful and practicable we will give notice.
14. Legal, liability & disputes
Nothing on this website or platform constitutes an offer or solicitation to buy or sell any security in any jurisdiction where such an offer would be unlawful. Services are available only where Affirm Consult is appropriately registered or exempt.
To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential losses, or for losses arising from events beyond our reasonable control, including market disruption, outages of third-party systems, or force majeure. Nothing limits liability for fraud or for any liability that cannot lawfully be excluded.
These Terms are governed by the laws of the State of Florida. Disputes will be resolved by binding arbitration in Jacksonville, Florida, except that either party may seek injunctive relief in court. Our Form ADV is available on request and from the SEC's public disclosure website.
Questions about these Terms should be directed to legal@affirmconsult.org.