divvi Finance Referral & Data-Sharing Disclosure

licensed Utah counsel. Until it is approved and marked so in the compliance registry, the divvi Finance send is dark: a client may ask for an introduction, but no financial information is transmitted to any partner.

This is an internal draft. Do not serve it to users or rely on it until the registry records status: "approved" and outsideCounselApproved: true for DIVVI-FINANCE-001, and the partner firm is named in src/lib/finance/partner.ts.

What divvi Finance is

"divvi Finance" is a brand under which divvi introduces clients to an independent, divorce-focused financial planning firm (the "partner firm"). The partner firm is disclosed to the client by name at the point of referral. The partner firm is not a divvi employee and does not act as your attorney, your financial adviser of record, or a fiduciary to you unless you separately engage it and it agrees in writing.

What divvi is, and is not

divvi is a document-preparation service and legal-technology platform. divvi is not a financial adviser, investment adviser, broker, or tax adviser. divvi does not give investment advice, does not recommend what to do with your money, and takes no position on whether any financial decision is right for you. The financial overview divvi builds is a summary of information you gave divvi, for your convenience; it is not advice.

What is shared, and only with your consent

Nothing about your finances is sent to the partner firm unless you affirmatively ask divvi to share it. When you do, divvi shares only the financial overview it has already assembled from your own case information — for example: your income, the support you pay or receive, the assets you keep and the debts you take on, and, where they are jointly owned, the home's value, equity, and any buyout figure.

divvi never shares your spouse's information. One party's consent releases only that party's own data and the jointly-owned figures; the other spouse's income, assets, and debts are excluded at the point the data is assembled, not left to a person to remember.

You are shown exactly which items will be shared before you consent, and your consent is recorded (who consented, when, which fields, and the partner named on screen at the time). You may decline, and declining changes nothing else about your case.

What the referral includes, and does not

• It includes a free introduction to the partner firm and, with your consent, the financial overview divvi already built, so you do not gather the same information twice.
• It does not include financial, investment, tax, or legal advice from divvi.
• It does not guarantee any outcome, any particular plan, or that the partner firm will take you on as a client. The partner firm decides that, on information divvi has not seen.

Compensation

divvi may receive compensation in connection with referrals to the partner firm. The compensation arrangement, and any disclosure it requires under applicable rules, is one of the open items for counsel below. divvi discloses that a referral relationship exists so you can weigh it; a professional reached through divvi is independent, and you are free to use any financial professional you choose.

Your responsibilities

You are responsible for the accuracy of the information you gave divvi and for reviewing the overview before you share it. You are encouraged to verify the partner firm's qualifications independently and to read any agreement the partner firm asks you to sign directly with them.

Open items for outside counsel

The following must be confirmed by licensed Utah counsel before this disclosure takes effect, and each is deliberately unresolved in this draft:

1. The partner firm's legal name and licensing, and the exact language that names it to the client.
2. The compensation structure and whether it triggers any referral-fee or conflict disclosure under Utah rules governing financial-planning referrals (see docs/REAL-ESTATE-REFERRAL-RESEARCH.md for the parallel real-estate analysis; financial planning is a different regime and needs its own read).
3. Any mediator-neutrality concern where a divvi client is also in divviMediate — a neutral must not steer a party toward a compensated referral.
4. The consent record's retention and the client's right to withdraw after data has been shared.
5. Whether the summary text rendered at the point of consent (the registry summary for DIVVI-FINANCE-001) matches this long-form disclosure.

Not legal, financial, or tax advice

Nothing in this disclosure or on the divvi Finance screens is legal, financial, or tax advice. For advice about your specific situation, consult a licensed professional.