Family Office Technology: Where It Helps Today and How AI Shapes Tomorrow

26 Sep 2025

Why Family Office Technology Matters for Modern Family Offices

Modern family offices handle more than investment oversight.

They integrate governance, reporting, and daily financial activities for individual wealth owners who expect accuracy and transparency. Without technology, even one family office faces bottlenecks from manual data handling, fragmented spreadsheets, and delayed insights.
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Why technology matters today:

Operational Efficiency: Reduces reliance on added staff and eliminates errors from reconciliation across accounts and entities.

Accurate Reporting: Connects wealth data, accounting, and banking systems to produce consolidated, audit-ready reports.

Informed Investment Decisions: Centralizes investment data aggregation so principals and investment managers can track performance across asset classes, including private equity and alternative investments.

Risk Management: Real-time dashboards highlight exposures and liquidity positions across multi-asset portfolios.

Scalability: The best family office software supports both single-family offices and multi-family offices, adapting to complexity without losing control.

Technology has become the backbone of the modern office. It simplifies complexity, safeguards data, and enables families to manage their wealth with confidence. Without these systems, small errors accumulate into major risks. A missed reconciliation can delay financial close, fragmented reporting can attract tax penalties, and reliance on staff knowledge alone can erase institutional memory when turnover happens. The cost of inaction is not only inefficiency but exposure that undermines governance.

Core Technology Needs Across Single and Multi-Family Offices

Both single-family offices and multi-family offices rely on technology to manage complex partnership structures, consolidate financial data, and monitor multi-asset portfolios. Their goals are similar: accuracy, transparency, and customised reporting. The way technology supports them, however, differs significantly. The table below highlights where these needs diverge.

Area of Focus	Single-Family Offices	Multi-Family Offices
Governance	Bespoke systems aligned to one family’s values and governance rules.	Standardised frameworks that can adapt to multiple client governance models.
Data Integration	Consolidation of personal assets, family business holdings, and trusts into one system.	Aggregation across families, entities, and investment companies is often cross-border.
Investment Tracking	Direct positions in private equity, real estate, and illiquid assets require tailored tracking.	Broader coverage for alternative investments and pooled portfolios across clients.
Reporting	Customised reporting for family members and decision makers, usually private and internal.	Scalable reporting platforms that deliver consolidated reports for multiple families.
Confidentiality & Control	Emphasis on private data security and internal-only access.	Strong permissions to separate families’ data while allowing efficiency at scale.
Cost & Operations	Higher per-family cost to maintain bespoke systems.	Focus on software solutions and managed services for cost efficiency across clients.

Unique Challenges of Single-Family Offices

Single-family offices operate with bespoke needs because they are designed for one family’s values, governance rules, and investment style. Unlike multi-family offices, they cannot spread costs across clients, so the right family office technology must combine flexibility with operational efficiency while preserving control and privacy.

Governance Alignment

Strong governance is the backbone of any single-family office. Technology must enforce accountability and ensure decision-making reflects the family’s vision.

Codify governance policies and approvals within the system.

Support investment committee processes with structured workflows.

Embed reporting protocols that give family members clarity without over-reliance on manual data handling.

Wealth Data Integration

Single-family offices must consolidate complex financial data without relying on spreadsheets. A robust platform creates a single source of truth for family wealth.

Consolidate family business holdings, personal assets, and trusts in one reporting platform.

Automate investment data aggregation across custodians, banks, and alternative assets.

Use family office accounting software that reconciles ledgers with cash, tax, and investment flows.

Direct Investment Tracking

These offices often invest directly in private equity, venture capital, or real estate, which demands more than generic portfolio management tools.

Track commitments, valuations, and waterfalls for private equity holdings.

Capture performance reporting for illiquid assets and alternative investments.

Provide customised reporting for family office professionals managing private markets.

Confidentiality and Control

Because systems serve only one family, privacy and security are paramount. Bespoke solutions often fall short because they are expensive to maintain and hard to integrate.

Prioritise platforms that secure private data with advanced controls.

Ensure seamless access for business managers without exposing sensitive information.

Choose software solutions that allow off-the-shelf integrations for bill pay, risk management, and tax planning.

Bespoke technology alone is not sustainable. The right family office software must integrate accounting and investment data, automate core use cases, and allow easy configuration. This balance provides decision-makers with the insight they need, without the cost and fragility of one-off builds.

Unique Challenges of Multi-Family Offices

Multi-family offices operate on a larger scale, serving multiple clients with diverse structures, priorities, and portfolios. Unlike single-family offices, they need technology that supports efficiency, consistency, and secure data sharing while maintaining the integrity of each client’s reporting. Modern platforms must strike a balance between the complexity of diverse holdings and the need for streamlined family office management.

Multi-Client Reporting at Scale

Consolidated reporting is central to multi-family offices, but the diversity of data makes it demanding.

Generate consolidated reports across clients, entities, and asset classes with consistent definitions.

Produce customised reporting for families with varied governance frameworks.

Provide scalable reporting platforms that can handle inputs from banks, custodians, and investment companies.

Cross-Border Structures and Complexity

Global family members and entities create complexity that requires robust technology.

Aggregate investment data across jurisdictions, currencies, and tax regimes.

Automate reconciliations to reduce manual errors in cross-border transactions.

Ensure compliance with local and international reporting requirements.

Cost Efficiency and Operational Complexity

Multi-family offices must achieve cost efficiency without sacrificing control or transparency.

Use standardised workflows to reduce operational overhead.

Apply software solutions that scale across families while allowing tailored outputs.

Leverage managed services to supplement teams where needed and reduce the cost of ownership.

Diverse Investment Portfolios

Families often hold direct and pooled positions across both liquid and illiquid assets, demanding wide coverage from systems.

Track commitments and valuations for private equity and alternative investments.

Monitor multi-asset portfolios for liquidity, exposure, and risk management.

Provide tools for asset managers and advisors to analyse performance and generate actionable insights.

Multi-family offices succeed when technology combines efficiency with flexibility. Platforms must support complex ownership maps, integrate across asset classes, and give families transparent control without overburdening teams. The best systems minimize operational friction, improve decision quality, and enable the consistent delivery of client service at scale.

Common Challenges Across Family Offices

Despite their differences, single-family offices and multi-family offices encounter similar technology challenges. Each revolves around the need for accurate data, reliable controls, and systems that scale as structures grow more complex. Meeting these needs requires more than ad hoc fixes; it requires platforms built for transparency and continuity.

Entity and Ownership Management

Managing entities is one of the most persistent problems in family office operations. Without automation, ownership records quickly become fragmented.

Consolidate trusts, SPVs, and partnerships into a single system of record.

Automate reconciliation of cross-border holdings and multi-jurisdiction entities.

Link ownership data to portfolio data, ensuring investment oversight is directly tied to the structure.

Accurate entity management preserves institutional memory, reduces legal risk, and gives decision makers confidence that reporting reflects the full picture.

Cash and Liquidity Visibility

Cash positions are often overstated when systems cannot separate earmarked balances from available cash.

Forecast liquidity needs to avoid surprises during capital calls or distributions.

Provide business managers and financial advisors with dashboards that distinguish free vs restricted cash.

Use real-time feeds and automated data capture to update balances across accounts.

Clear liquidity visibility enhances risk management and enables families to deploy cash strategically, rather than reacting under pressure.

Private Markets Tracking

Private markets remain one of the most challenging areas for reporting because Excel is still the default tool.

Track private equity holdings, venture capital commitments, and other private investments in one reporting platform.

Capture waterfalls, distributions, and valuations consistently across asset classes.

Provide consolidated reports that align with other investment portfolios for true comparability.

Private markets represent a growing share of family wealth. Technology ensures performance is tracked alongside liquid portfolios, enabling better allocation decisions.

Tax, Audit, and Compliance Automation

The complexity of tax and audit grows with scale, particularly in cross-border environments. Manual processes increase both cost and risk.

Automate capture of backdated transactions, FX, and multi-currency flows.

Embed controls that produce accurate reporting and reduce audit adjustments.

Integrate with tax output tools for compliance across multiple jurisdictions.

Automation cuts audit costs, reduces exposure for high-net-worth individuals, and creates a durable framework for long-term success.

Reconciliation Across Accounts, Entities, and Ledgers

Reconciliation is where most offices spend too much time and money.

Sync accounting, banking, and investment data aggregation into a single ledger.

Ensure numbers in the general ledger always match external bank and investment statements.

Apply managed services where needed to streamline data feeds and support internal teams.

Consistent reconciliation underpins trust. Without it, even the most sophisticated governance models fail because data cannot be relied upon for informed investment decisions or risk analysis.

Family Office Technology Solutions Families Use Today

Specialist platforms form the backbone of the modern family office. These tools reduce reliance on spreadsheets, create audit-ready controls, and allow families to manage complexity with confidence. The right choices integrate accounting, investments, and governance into a unified operating system.

Right Family Office Software for Data and Reporting

The right family office software combines multiple workflows into one platform. It integrates accounting, reporting, and document management, so decision-makers trust a single source of truth.

Produce customised reporting packs tailored to family members, advisors, and regulators.

Provide seamless access to both summary dashboards and drill-down transaction details.

Reduce risk by ensuring accurate reporting across entities and portfolios.

Deliver better client service by cutting time to prepare reports and consolidations.

Families should look beyond features and focus on platforms that connect data across the office, reducing operational friction while preserving control.

Intelligent Family Office Suite as an Integrated Platform

An intelligent family office suite goes beyond software silos by consolidating portfolio data, analytics, and feeds into one integrated view.

Unify performance reporting across public, private, and alternative investments.

Use automated data feeds to eliminate manual entry and update positions daily.

Apply investment analytics for benchmarking and scenario planning.

Support both asset allocation and oversight of multi-asset portfolios.

This type of suite becomes the digital backbone of the office, ensuring that investment data is not only collected but also interpreted in ways that inform strategic choices.

Family Office Accounting Software

Family office accounting software addresses the complexity of ownership and entity management. It connects balance sheets with investment data for full transparency.

Support complex partnership structures such as SPVs, trusts, and cross-border entities.

Consolidate financial data from multiple systems into one ledger.

Reconcile books against custodians, banks, and investment platforms for consistency.

Provide reporting for family office professionals, business managers, and financial advisors.

Accounting must sit at the center. Families achieve operational efficiency when investment and accounting share one system, with everything else connected through integrations.

Document Management and Compliance Tools

Digital tools reduce the burden of storing and securing critical information. They also protect against regulatory and reputational risks.

Secure private data with access controls and audit logs.

Automate document management workflows for contracts, valuations, and tax outputs.

Align compliance with regulatory standards across jurisdictions.

Integrate with reporting systems so records appear directly in consolidated reports.

Document platforms are no longer add-ons. They are essential safeguards that ensure transparency, protect privacy, and support governance at scale.

Technology in Investment Management and Private Assets

Family office professionals today oversee portfolios that span listed securities, private equity holdings, and alternative investments. Without the right technology, complexity grows faster than control. Platforms built for investment oversight help families analyse exposures, safeguard data, and make informed choices that protect and grow wealth.

Portfolio Management and Asset Allocation Tools

Modern offices require tools that unify oversight across asset classes. These platforms enable asset managers and wealth managers to make informed allocation decisions based on accurate, connected data.

Combine liquid and illiquid assets into one investment portfolio analysis framework.

Support both tactical rebalancing and long-term asset allocation.

Provide dashboards that benchmark investment performance against global indices.

Deliver relevant data to principals and investment managers for faster, better calls.

Closing Insight: Offices that integrate portfolio management technology gain the ability to shift from reactive oversight to proactive strategy.

Private Equity Technology for Family Offices

Private equity requires tools beyond general accounting or custody platforms. Offices require solutions that accurately reflect the complexity of their commitments and distributions.

Track commitments, valuations, and capital calls for both funds and co-investments.

Capture waterfalls, fees, and distributions transparently.

Provide reports that satisfy both families and outside private equity firms or auditors.

Integrate with broader reporting platforms to keep data consistent across investment firms.

Families avoid blind spots when private equity sits within the same system as other asset classes.

Alternative Investments and Private Assets

Families increasingly allocate capital to alternatives such as hedge funds, infrastructure, and direct deals. These exposures demand visibility and discipline.

Track private assets alongside traditional holdings in one reporting platform.

Monitor private investments, including venture, real estate, and illiquid opportunities.

Generate consolidated reports that reflect total exposure across multi-asset portfolios.

Provide scenario analysis to help decision-makers understand risk-return profiles.

Technology ensures alternatives are not managed in silos but remain part of the family’s overall investment strategy.

Performance Reporting and Scenario Planning

Performance reporting is the lens through which families judge effectiveness. Technology makes this both timely and reliable.

Produce reports that show investment performance across liquid and illiquid holdings.

Enable “what-if” models for asset allocation and cash deployment.

Link reporting to risk management frameworks that identify concentration or exposure limits.

Support informed investment decisions by tying analytics back to family governance.

When performance reporting and scenario planning are automated, families move from static snapshots to continuous insight.

Operational Efficiency and Cost Control

Family offices cannot scale by adding more staff alone. Manual reconciliations drain resources, increase errors, and raise operational risk. The right technology brings efficiency by automating repetitive work, consolidating data, and delivering insights that reduce cost while improving control.

Automating Manual Data Handling

Automation replaces error-prone manual work with structured processes. It gives families real-time clarity on their financial activities.

Eliminate manual data handling by capturing transactions through automated data feeds.

Provide seamless access to reconciled balances and reports.

Reduce the burden on internal teams by relying on specialised service providers for integrations.

Free up staff to focus on analysis and governance instead of administration.

Automation shifts resources away from low-value tasks and builds confidence that data is both timely and accurate.

Advanced Reporting Platforms

Reporting is where efficiency translates into better decisions. Modern platforms transform data into actionable insights that families can use.

Deliver customised reporting packs aligned to governance needs.

Generate consolidated reports that integrate portfolio data from multiple custodians and entities.

Provide dashboards that highlight relevant data for principals and advisors.

Ensure accurate reporting that supports governance, tax, and compliance reviews.

Reporting platforms reduce risk and cost at the same time. They create transparency that supports managed services, improves client service, and enables families to make faster, more confident decisions.

Strategic Decision-Making Enabled by Technology

Technology does more than automate workflows. Its real value lies in giving families clarity to make confident, long-term choices. When investment data is connected and timely, families can move from reactive reporting to informed investment decisions.

Investment Data Aggregation for Informed Decisions

Centralized investment data aggregation gives families one source of truth. This foundation supports accurate benchmarking and oversight.

Eliminate silos by pulling portfolio data from custodians, banks, and partnerships into one platform.

Produce dashboards that highlight investment performance across both liquid and illiquid holdings.

Support advisors, wealth managers, and asset managers with the same reconciled data.

Provide relevant data so decisions are based on facts, not assumptions.

Aggregated data shifts the office from piecemeal updates to a continuous decision-making model.

Optimizing Cash Deployment and Asset Allocation

Idle cash and unbalanced allocations weaken returns. Real-time dashboards help families optimize the use of capital while protecting against risks.

Forecast liquidity to ensure cash is deployed where it delivers impact.

Balance asset allocation across equities, fixed income, and alternatives.

Embed risk management checks that flag concentration or exposure issues.

Provide visibility so principals and investment firms can act quickly.

Technology ensures cash is neither wasted nor exposed, but deployed in line with governance and strategy.

Benchmarking and Market Insights

Benchmarking transforms raw performance into actionable context. Families can see where they stand and how to adjust.

Compare investment portfolios against indices and peer groups.

Use portfolio analysis tools to test rebalancing and diversification strategies.

Provide investment managers and advisors with data-driven insights for informed future positioning.

Align strategies with both the market environment and the family’s long-term vision.

With benchmarking embedded in daily practice, families move beyond reporting to active portfolio management.

Continuity, Succession, and Governance Enforcement

Family offices must look beyond daily operations to ensure continuity across generations. Technology plays a central role in preserving records, preparing the next generation, and embedding rules that reflect the family’s values. When governance is automated, continuity becomes part of the system rather than dependent on individuals.

Preserving Institutional Memory

Turnover is inevitable, but data loss should not be. Centralized systems preserve the family’s history and record of decisions.

Store ownership structures, trusts, and beneficiary records in one secure platform.

Link records to governance structures and policies for accountability.

Provide accurate reporting that captures both financial flows and governance actions.

Ensure access for designated family members while protecting confidentiality.

Institutional memory is preserved when information is stored in systems, not in individual staff files.

Preparing the Next Generation

Succession is not only about wealth transfer; it is about stewardship. Technology supports education and engagement for heirs.

Use scenario planning to show the impact of investment decisions.

Provide transparent reports that explain allocations and exposures.

Create role-based dashboards to involve younger family members in governance from an early stage.

Align succession planning with the family’s values and long-term success goals.

Preparing the next generation is easier when technology translates complex data into lessons and accountability. Technology ensures heirs inherit more than spreadsheets. They step into systems that preserve decisions, policies, and values in structured workflows. Continuity becomes a feature of the office itself, not a fragile record stored in personal files.

Governance Enforcement Through Technology

Rules lose value if they are not applied. Automated systems enforce governance consistently and without bias.

Set exposure limits and risk thresholds tied to policy.

Trigger alerts when breaches occur across portfolios or entities.

Automate checks for compliance with internal and external reporting requirements.

Embed controls so decisions align with the family’s strategic vision.

Technology ensures governance frameworks are lived every day, not just documented on paper.

Business Managers and Advisors: How They Use Technology

Technology is not just for families. Business managers, financial advisors, and investment managers rely on family office software to simplify workflows and improve outcomes. Their ability to serve depends on access to accurate data, efficient systems, and tools that support collaboration without adding cost or complexity.

For operators, the ability to bring advisors, auditors, and business managers onto the same system of record is transformative. It eliminates version conflicts, accelerates response times, and ensures that every party works from reconciled data. Collaboration becomes built into the platform rather than managed through endless document exchanges.

Wealth Management and Advisory Services

Advisors need clear and timely information to guide families. Technology provides a unified view of wealth, reducing reliance on spreadsheets and fragmented systems.

Provide secure access to wealth data across entities and asset classes.

Enable portfolio analysis tools that highlight allocation, risk, and performance.

Deliver reporting packs that improve transparency and client service.

Support advisors in building strategies that align with family governance and long-term goals.

Advisors gain credibility when they provide consistent data, not guesswork, in their recommendations.

Service Providers and Managed Services

External partners often fill operational gaps for family offices. With the right technology, they extend capacity without losing control.

Service providers deliver managed services that reduce the load on internal teams.

Software solutions ensure reconciliations, reporting, and compliance remain accurate.

Integrated reporting platforms provide providers with the same data that families and advisors see.

Outsourcing routine work lets families focus on governance and strategy.

Managed services are most effective when they operate on the same system of record, ensuring that everyone works from the same data.

The Future of Family Office Technology

AI and automation are no longer experimental. They are becoming part of daily family office operations. Advanced technology is moving families beyond spreadsheets and reactive processes toward proactive oversight, enabling better governance and informed investment decisions.

AI in Investment Data Aggregation and Analytics

Artificial intelligence transforms how offices collect and interpret data. By removing manual work, families gain speed and clarity.

Automate data capture from banks, custodians, and investment platforms.

Apply investment analytics that highlight patterns, risks, and opportunities.

Use AI-driven tools to measure investment performance across liquid and illiquid assets.

Deliver insights that help families benchmark portfolios and act faster.

AI ensures families spend less time gathering numbers and more time interpreting what they mean. In practice, AI already reduces operator burden. It flags outlier transactions before audits, predicts liquidity needs by learning from past capital calls, and reconciles mismatched entries in minutes. These are not abstract promises but immediate applications that lower operational risk.

Automating Complex Structures and Multi-Asset Portfolios

Entity maps and alternative assets create layers of complexity. Next-generation tools simplify this landscape while maintaining control.

Manage complex partnership structures without relying on spreadsheets.

Consolidate data across multi-asset portfolios, including private equity, real estate, and alternatives.

Improve accuracy with built-in compliance checks and scenario modelling.

Support accurate reporting across entities, asset classes, and jurisdictions.

Automation reduces operational burden, making complexity manageable and data reliable.

The Evolution of Family Office Operations

As the family office evolves, technology is reshaping its role. Systems are moving from support tools to the foundation of governance and continuity.

Replace fragmented systems with integrated platforms that scale with the family.

Standardise processes so that a large number of family offices can adopt best practices.

Ensure long-term resilience by embedding governance, risk, and compliance into workflows.

Use technology solutions that support not just reporting but strategic decision-making.

The offices that succeed will not be the ones with the most staff, but those with the most effective systems.

From Pain Points to Practical Solutions: A Family Office Technology Diagnostic

Every family office faces the same question: Are systems keeping pace with complexity? Technology decisions often fail because leaders see tools in isolation instead of connecting them to the functions, pain points, and solutions that matter most. Below is a recap framework that highlights where offices struggle and how modern platforms address these challenges.

Function	Need	Pain Point (What Goes Wrong)	Feature / Capability	Solution (What Works in Practice)
Entity & Ownership Management	Maintain clear, centralized entity and ownership records	Manual spreadsheets create errors in trust structures, SPVs, and cross-border holdings; institutional memory is lost when staff leave	Automated entity registers, consolidated ownership dashboards, and audit-ready logs	Integrated platforms that simplify complex partnership structures and preserve continuity across generations, reducing legal and governance risk
Cash & Liquidity Visibility	Real-time view of true liquidity	Cash reports overstate availability by mixing earmarked and free balances; capital calls surprise the office; forecasts are unreliable	Liquidity dashboards, automated bank feeds, scenario modelling	Tools that forecast liquidity accurately, highlight restrictions, and give business managers and principals clarity to deploy cash strategically
Investment Oversight	Unified picture of all holdings	Private investments, illiquid assets, and alternative investments sit in disconnected files; no view of risk-return across the whole portfolio	Portfolio management, asset allocation tools, consolidated dashboards	An intelligent family office suite that integrates liquid and private markets, delivering relevant data for better allocation and informed investment decisions
Performance Reporting	Transparent reporting and benchmarking	Families rely on PDFs and lagging data; inconsistent benchmarks hide weak spots in investment performance	Customised reporting, real-time performance dashboards, benchmarking tools	Reporting platforms that provide accurate reporting, scenario planning, and drill-through to transactions for full accountability
Tax, Audit, Compliance	Lower risk and audit cost	Manual reconciliations in FX, multi-currency, and backdated transactions create errors and audit penalties	Automated data capture, compliance checks, and integrated tax outputs	Family office accounting software that embeds tax and audit workflows, ensuring long-term success with fewer surprises
Document Management	Secure and streamlined records	Paper files and siloed systems expose private data and slow down compliance.	Digital document vaults, encryption, and audit logs	Modern document platforms that protect family office operations, align with regulators, and deliver governance-ready transparency
Operational Efficiency	Do more with lean teams	Staffing costs rise because reconciliations and reporting are handled manually; duplication is common	Managed services, API connectors, automated reconciliations	Software solutions combined with trusted service providers that bring scale, efficiency, and resilience without additional headcount
Succession & Governance	Engage next generation, enforce governance	Heirs lack visibility into decisions; policies exist but are ignored; governance weakens over time	Scenario planning tools, policy alert engines, and role-based dashboards	Technology that helps multigenerational families prepare the next generation, enforce governance rules, and align decisions with family values
Advisor Collaboration	Give advisors access to consistent data	Financial advisors, wealth managers, and auditors work off different reports; response times are slow	Advisor dashboards, role-based permissions, consolidated reporting packs	Platforms that ensure financial advisors, investment managers, and asset managers see the same data as families, improving client service and outcomes

The right technology is not just about automation. It is about connecting daily functions with the family’s strategic vision. By mapping each pain point to a practical solution, families can identify where technology enhances resilience, where costs can be controlled, and where governance becomes enforceable. This is how family offices evolve from reactive administrators to proactive stewards of wealth.

For principals and operators, the real choice is clear. Either governance, continuity, and decision-making remain dependent on individuals, or they are secured in systems that outlast any one team member. The family offices that adopt integrated technology are not only solving today’s reporting challenges, they are future-proofing their legacy.

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  - rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer or otherwise make available the Software Platform, or any features or functionality of the Software Platform, to any Third Party (other than Authorized Users) for any reason;
  - use the Software Platform in violation of any law, regulation or rule;
  - use the Software Platform for purposes of developing or assisting a third party in developing a competing software or platform, product or service or any other purpose that is to the Company’s commercial disadvantage.
  - use the Software for purposes of competitive analysis or the development of a competing software product or service or product having the same and/or similar function as the Software Platform.
  - This Agreement does not grant the Licensee any rights whatsoever in relation to the Company’s trademarks or service marks; and
  - The Licensee shall not use the Software Platform into any country in violation of any export control laws or regulations.

Responsibility for Use of Software.

- - The Licensee is responsible and liable for all uses of the Software Platform through access thereto provided by Licensee, directly or indirectly. Specifically, and without limiting the generality of the foregoing, the Licensee shall at all times be responsible and liable for all actions and omissions of the Authorised Users. If the Company at any time determines that the Licensee’s use of the Software is in excess of the Scope then:

a. The Licensee shall, within thirty (30) days following the date of Company’s written notification thereof, pay to Company the additional License Fees for such excess use. In determining the License Fee payable pursuant to the foregoing, unless Licensee can demonstrate otherwise by documentary evidence, all previously unknown excess use of the Software shall be deemed to have commenced on the commencement date of this Agreement and the rates for such licenses shall be determined without regard to any discount to which the Licensee may have been entitled had such use been properly licensed prior to its commencement (or deemed commencement); and

b. The Company reserves the right to forthwith terminate this Agreement and initiate the legal proceedings against the Licensee for breach of terms of this Agreement and recovery of the amounts due.

- - The Licensee shall use commercially reasonable efforts to safeguard the Software Platform from infringement, replication in any form, misappropriation, theft, misuse, or unauthorized access. Licensee shall promptly notify the Company if Licensee becomes aware of any violation of Company’s Intellectual Property Rights in the Software Platform.

Support Services.

- - Subject to Clause 8.1, during the Term of this Agreement, the Company may provide basic software support services described in the pricing proposal as set out in Appendix I.
  - The Company shall have a right to stop providing support services if the Licensee and/or any of it Authorised Users:
  - breach any of the terms of this Agreement; or
  - use the Software Platform in excess or not in accordance with the Scope
  - The Company may provide updates and maintenance on the Software at its sole discretion.

Collection and Use of Information.

- - Licensee acknowledges that Company may, directly or indirectly through the services of Third Parties, collect and store information regarding use of the Software and about equipment on which the Software is used or through which it otherwise is accessed and used, through the provision of support services.
  - Licensee agrees that the Company may use such information for any purpose related to any use of the Software by Licensee or on Licensee’s equipment, including but not limited to:
  - improving the performance of the Software; and
  - verifying Licensee’s compliance with the terms of this Agreement and enforcing the Company’s rights, including all Intellectual Property Rights in and to the Software.

Confidential Information.

- - In connection with the performance of the Parties’ obligations under this Agreement, each Party may provide to the other Party, and the other Party shall have access to, the first Party’s Confidential Information. Notwithstanding any other content of this Clause 9, Licensee hereby permits the Company to use the Licensee’s name in the Company’s marketing material to the limited extent of identifying the Licensee as a customer that uses the Software Platform.

- - Each Party shall exercise due care to prevent the unauthorized use or disclosure of the other Party’s Confidential Information, and shall not, without the other Party’s prior written consent: (a) use the other Party’s Confidential Information for any purpose other than performing its obligations under this Agreement; or (b) disclose or otherwise make available, directly or indirectly, any item of the other Party’s Confidential Information to any person or entity other than those employees, independent contractors, agents or investigators of such Party and/or its affiliated entities (collectively, “Representatives“) who reasonably need to know the same in the performance of such Party’s obligations under this Agreement, or in order to make decisions or render advice in connection therewith. Each party shall protect the confidentiality of the Confidential Information of the other party with the same degree of care, as such party uses to protect its own Confidential Information, and in no event, less than reasonable care. For the convenience of the Parties, each Party acknowledges that unless precluded in writing by the other Party, Confidential Information may be transmitted to a Party and/or its Representatives via the Internet.

- - In the event of an actual or threatened breach of the above confidentiality provisions, the non-breaching Party shall have no adequate remedy at law and shall be entitled to immediate injunctive and other equitable relief, without bond and without the necessity of showing actual money damages.

Intellectual Property Rights.

Licensee acknowledges and agrees that the Software Platform is provided by the Company under a non-exclusive, non-transferable, non-sub-licensable, revocable license. The Licensee shall not have any interest in the Software Platform including but not limited to any ownership interest in the Software Platform or any other rights thereto other than to use the same in accordance with the terms of this Agreement. The Company reserves and retains its entire right, title and interest in the Software Platform and all Intellectual Property Rights arising out of or relating to the Software Platform. The Licensee shall use all efforts to safeguard the Software Platform from infringement, misappropriation, theft, misuse or unauthorized access. The Licensee shall promptly notify the Company if the Licensee becomes aware of any violation of the Company’s Intellectual Property Rights in the Software Platform and fully cooperate with the Company in any legal action taken by Company to enforce its Intellectual Property Rights. The Licensee acknowledges and agrees that the Licensee, and not the Company, shall be solely responsible for the investigation, defense, settlement and discharge of any intellectual property infringement claim or suit, or any other harm or damages resulting from Licensee’s use of or access to the Software Platform.

Term and Termination.

This Agreement and the license granted hereunder shall remain in effect for the term set forth in the order form as set out in Appendix I. The license is valid for a period of 12 months from the date of activation (“Term”) unless otherwise indicated in the order form as set out in Appendix I. This Agreement will renew automatically for another twelve month period at the expiration date (“Extended Term”) unless the Licensee provides a written notice of termination sixty (60) days prior to the date of expiry of the License.
Without prejudice to any other rights or remedies and notwithstanding anything contained in Clause 11.1 above, the Company shall have an unfettered right to terminate this Agreement at any time upon Licensee’s failure to comply with all the terms and conditions of this Agreement.
Company may terminate this Agreement, effective immediately, if the Licensee files itself, or any other Person has filed against the Licensee (and fails to obtain a dismissal within sixty (60) days thereof), a petition for voluntary or involuntary bankruptcy or pursuant to any other insolvency law, makes or seeks to make a general assignment for the benefit of its creditors or applies for, or consents to, the appointment of a trustee, receiver or custodian for a substantial part of its property.
Upon expiration or earlier termination of this Agreement, the license granted hereunder shall also terminate, and Licensee shall cease using and destroy (to the extent reasonably practicable) all copies of the Software Platform. No expiration or termination shall affect Licensee’s obligation to pay all Licensee Fees that may have become due before such expiration or termination, or entitle Licensee to any refund, in each case except as set forth in Clause 11.3.

Limited Warranties, Exclusive Remedy and Disclaimer/Warranty Disclaimer.

The Company warrants that, during the Term, the Software will substantially contain the functionality described in the Documentation, and when properly accessed and used on a computer (as per requirements specified in the Documentation) and operated in accordance with the Documentation the Software shall substantially perform in accordance therewith. However, the Company does not represent or warrant that any and/or all errors will be corrected and that any and/or all incidents will be prevented or corrected.
The warranties expressly set forth in this Clause will not apply and will become null and void (i) if Licensee breaches any provision of this Agreement, and/or (ii) if Licensee and/or any Authorized User and/or any other Person to whom access to the Software is provided , whether or not in violation of this Agreement:
uses the Software Platform on or in connection with any hardware or software not specified in the Documentation, provided that the warranties in this Section shall continue to apply to Software that is installed or used on any hardware, software, configuration or operating system in accordance with the Documentation; or
misuses the Software, including any use of the Software other than as specified in the Documentation.
During the Term of this Agreement, if the Software fails to perform substantially in accordance with the Documentation, and such failure is not excluded from warranty pursuant to Clause 12.1, the Company will, at its sole option, use commercially reasonable efforts to repair the Software, provided that Licensee provides Company with all information which the Company requests to resolve the reported failure, including sufficient information to enable the Company to recreate such failure. Provided further that, the Licensee shall within 5 days after such failure has occurred, notify in writing to the Company informing about the failure. The Licensee acknowledges and agrees that the Software Platform may produce inaccurate results because of a failure or fault within the Software Platform for reasons not attributable to the Company or failure by Licensee to properly use and/or deploy the Software Platform. The Licensee assumes full and sole responsibility for any use of the Software Platform and bears the entire risk for failures or faults within the Software Platform on account of reasons not attributable to the Company. Licensee agrees that regardless of the cause of failure or fault or the form of any claim, the Company’s obligation if any shall be governed by this Agreement. Further, the Licensee acknowledges that the remedies set forth in this Clause 12.3 are Licensee’s sole remedies and Company’s sole liability with respect to the warranties provided in this Clause 12.
The software and documentation are provided to licensee on an “as is where is” basis and with all faults and defects without warranty of any kind other than as expressly set forth in this Clause 12. The Company, on its own behalf and on behalf of its affiliates expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the software and documentation, including all implied warranties of merchantability, fitness for a particular purpose, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the licensed Software Platform will meet the Licensee’s requirements, achieve any intended results, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.
The Licensee represents and warrants that it has due authorisations to enter into this Agreement and perform its obligations. Further, the Licensee represents and warrants that its is not barred under law, contractually or otherwise to enter into this Agreement and perform its obligations.

Limitation of liability

The Company and its affiliates, shall not be liable to the Licensee or to any third party for any use, interruption, delay or inability to use the software, lost revenues or profits, delays, interruption or loss of services, business or goodwill, loss or corruption of data, loss resulting from system or system service failure, malfunction or shutdown, failure to accurately transfer, read or transmit information, failure to update or provide correct information, system incompatibility or provision of incorrect compatibility information, or breaches in system security, or for any consequential, incidental, indirect, exemplary, special or punitive damages, whether arising out of or in connection with this agreement, breach of contract, tort (including negligence) or otherwise, regardless of whether such damages were foreseeable and whether or not the Licensee was advised of the possibility of such damages.
In no event will the Company’s and its affiliates’, collective aggregate liability under or in connection with this Agreement or its subject matter, under any legal or equitable theory, including breach of contract, tort (including negligence), strict liability and otherwise, exceed the total amount paid to the Company under this agreement for immediately preceding three month period.

Export Regulation.

The Software Platform may be subject to US export control laws, including the US Export Administration Act and its associated regulations. The Licensee shall not, directly or indirectly, export, re-export or release the Software Platform to, or make the Software Platform accessible from, any jurisdiction or country to which export, re-export or release is prohibited by law, rule or regulation. The Licensee shall comply with all applicable federal laws, regulations and rules, and complete all required undertakings (including obtaining any necessary export license or other governmental approval), prior to exporting, re-exporting, releasing or otherwise making the Software Platform available outside the US.

Indemnification

Licensee hereby agrees to indemnify the Company and its officers, directors, employees, agents, and representatives (“Indemnified Person”) from each and every demand, claim, loss, liability, or damage of any kind, including actual attorney’s/legal fees, whether in tort or contract, that may incur by reason of, or arising out of, any claim which is made by either the Licensee and/or any third party against the Indemnified Person with respect to any breach or violation of this Agreement by the Licensee or any claims based on Licensee’s and/or its client’s use of the Software Platform.

Miscellaneous.

Governing Law: This Agreement is governed by and construed in accordance with the internal laws of United States of America without giving effect to any choice or conflict of law provision or rule that would require or permit the application of the laws of any other jurisdiction. Any disputes arising from or related to this Agreement or any Company Software or service shall be subject to the exclusive jurisdiction and venue of the courts situated in New York, and both Parties hereby consent to such jurisdiction and venue.
Force Majeure: The Company will not be responsible or liable to the Licensee, or deemed in default or breach hereunder by reason of any failure or delay in the performance of its obligations hereunder where such failure or delay is lockdowns, due to strikes, labor disputes, civil disturbances, riot, rebellion, invasion, pandemic, epidemic, hostilities, war, terrorist attack, embargo, natural disaster, acts of God, flood, fire, sabotage, fluctuations or non-availability of electrical power, heat, light, air conditioning or any other circumstances caused beyond the Company’s reasonable control (“Force Majeure Event”). It is hereby clarified that the Licensee’s payment obligation shall continue during the Force Majeure Event.
Notices: All notices, requests, consents, claims, demands, waivers and other communications hereunder shall be in writing and shall be deemed to have been given: (a) when delivered by hand (with written confirmation of receipt); (b) when received by the addressee if sent by a nationally recognized overnight courier (receipt requested); (c) on the date sent by e-mail (with confirmation of transmission) if sent during normal business hours of the recipient, and on the next business day if sent after normal business hours of the recipient; or (d) on the third day after the date mailed, by certified or registered mail, return receipt requested, postage prepaid.
Entire Agreement: The terms and conditions of this Agreement, including its exhibits, constitutes the entire agreement between the parties with respect to the subject matter hereof, and merges and supersedes all prior and contemporaneous agreements, understandings, negotiations and discussions. Neither of the parties shall be bound by any conditions, definitions, warranties, understandings, or representations with respect to the subject matter hereof other than as expressly provided herein. The section headings contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. No oral explanation or oral information by either party hereto shall alter the meaning or interpretation of this Agreement. No amendments or modifications shall be effective unless in a writing signed by authorized representatives of both parties. These terms and conditions will prevail notwithstanding any different, conflicting or additional terms and conditions which may appear on any purchase order, acknowledgment or other writing not expressly incorporated into this Agreement.
Assignment:

a. Licensee shall not assign or otherwise transfer any of its rights, or delegate or otherwise transfer any of its obligations or performance, under this Agreement, in each case whether voluntarily, involuntarily, by operation of law or otherwise, without Company’s prior written consent, which consent Company may give or withhold in its sole discretion. For purposes of the preceding sentence, and without limiting its generality, any merger, consolidation or reorganization involving Licensee (regardless of whether Licensee is a surviving or disappearing entity) will be deemed to be a transfer of rights, obligations or performance under this Agreement for which Company’s prior written consent is required. No delegation or other transfer will relieve Licensee of any of its obligations or performance under this Agreement. Any purported assignment, delegation or transfer in violation of this Clause 16.5 is void. The Company may assign or otherwise transfer all or any of its rights, or delegate or otherwise transfer all or any of its obligations or performance, under this Agreement without Licensee’s consent. This Agreement is binding upon and inures to the benefit of the parties hereto and their respective permitted successors and assigns.

b. This Agreement is for the sole benefit of the parties hereto and their respective successors and permitted assigns and nothing herein, express or implied, is intended to or shall confer on any other Person any legal or equitable right, benefit or remedy of any nature whatsoever under or by reason of this Agreement.

Amendment and Waiver: This Agreement may only be amended, modified or supplemented by an agreement in writing signed by each party hereto. Failure or neglect by the Company to enforce at any time any of the provisions hereof shall not be construed nor shall be deemed to be a waiver of the Company’s rights hereunder nor in any way affect the validity of the whole or any part of this License nor prejudice the Company’s rights to take subsequent action.
Reservation of Rights and Remedies: The Company reserves all of its rights to proceed to enforce its rights in connection with all rights not expressly granted to the Licensee in this Agreement.
Severability: If any term or provision of this Agreement is invalid, illegal or unenforceable in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other term or provision shall to that extent be severed from the remaining terms, conditions and provisions which shall continue to be valid to the fullest extent permitted by law.
Interpretation: For purposes of this Agreement, (a) the words “include,” “includes” and “including” shall be deemed to be followed by the words “without limitation”; (b) the word “or” is not exclusive; and (c) the words “herein,” “hereof,” “hereby,” “hereto” and “hereunder” refer to this Agreement as a whole. Unless the context otherwise requires, references herein: (x) to Sections and Exhibits refer to the Sections of, and Exhibits attached to, this Agreement; (y) to an agreement, instrument or other document means such agreement, instrument or other document as amended, supplemented and modified from time to time to the extent permitted by the provisions thereof and (z) to a statute means such statute as amended from time to time and includes any successor legislation thereto and any regulations promulgated thereunder. This Agreement shall be construed without regard to any presumption or rule requiring construction or interpretation against the party drafting an instrument or causing any instrument to be drafted. The headings in this Agreement are for reference only and do not affect the interpretation of this Agreement.
Independent Development: This Agreement does not preclude the Company from evaluating, acquiring from third parties not a party to this Agreement, independently developing or marketing similar technologies or products, or making and entering into similar arrangements with other companies. The Company is not restricted by this Agreement to make such products or technologies available to third parties.
Disclaimer: The Software Platform is subject to the Disclaimer set out in the Appendix V of this Agreement.

Appendix IV : Privacy Policy

The Customer can access the privacy policy of the Company at the following link: Privacy Policy

Appendix V: Disclaimer

All of the operating procedures with respect to the Software Platform have been designed based on the Company’s experience in working with hundreds of global family offices. Under no circumstances should any person using the Software Platform should make investment decisions based solely on the information setout therein. The Company is not a qualified financial advisor and the Licensee should not construe any information discussed herein to constitute investment advice. The information in the Software Platform is not meant to be, and should not be construed as advice or used for investment, financial planning, legal, accounting, or tax purposes. The Licensee agrees to consult with a registered investment advisor, which the Company is not, prior to making any investment/trading decision of any kind. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown. It must be implemented as per individual family office requirements in consultation with the family office’s local accounting and legal professionals.
The Software Platform is based upon information that is relevant while making investment decisions and the Company considers it reliable, but the Company does not represent that it is accurate or complete, and that it should be relied upon, as such. The Licensee should not rely solely on the information in making any investment. Rather, the Licensee should use the information only as a starting point for doing additional independent research in order to allow the Licensee to form its own opinion regarding investments. All recommendations, advice or opinions cited are the professional views of the Company. The Licensee must act upon them with due diligence.
The Company is neither registered as a wealth advisor, wealth manager, investment advisor nor soliciting any investment in any jurisdiction. Further, the Company does not accept any responsibility or liability for the actions or inactions on the part of any individual or firm stemming from the information mentioned in the Software Platform. The Licensee is solely responsible for verifying the information as being appropriate for the Licensee’s use, including without limitation, seeking the advice of a qualified professional regarding any specific financial, legal, accounting, or tax questions that the Licensee may have.
The Company makes no warranties and gives no assurances regarding the truth, timeliness, reliability, or good faith of any material/factual data in the Software Platform. The Company does not warrant that investment/trading methods or systems presented in the manual will result in profits or losses. The Company makes no guarantees as to the accurateness, quality, or completeness of the information and the Company shall not be responsible or liable for any errors, omissions, inaccuracies in the information or for Licensee’s reliance on the information Vis-à-vis the Software Platform.

Family Office Technology: Where It Helps Today and How AI Shapes Tomorrow

Password Policy

Asset Vantage Software Licensing Agreement

Appendix IV : Privacy Policy

Appendix V: Disclaimer