About HerTerms
The financial home
for women-owned wealth.
HerTerms is the financial-intelligence and record infrastructure for women-owned wealth. One account and intelligence system that helps you receive, hold, invest, separate, organise, and document money across your life, your work, and your family.
What HerTerms Is
One product.
Five embedded functions.
HerTerms is the financial-intelligence and record infrastructure for women-owned wealth. It is one account and intelligence system that helps you receive, hold, invest, separate, organise, and document money across your life, your work, and your family.
Its public promise is financial competence: capital in your own name, personal and shared property kept distinct, records in order, credit in your own right, and a Statement a bank, a lender, or an adviser recognises on sight.
Account
Capital held in your own name with regulated partners.
Separation
Personal and shared property kept distinct and traced.
Ledger
Income, assets, household costs — reconciled and sourced.
Statement
An annual private-bank-quality record of your financial life.
Pathways
Investment, credit, and structuring routes through partners.
Meet Our Founders
The women building the structure.
Kristin Garces de Marcilla
Co-Founder, Market Strategy, Operations & Wealth Management
A co-founder and operator with more than a decade of experience turning complex, under-addressed problems into fundable strategies, institutional partnerships, and operational solutions.
Shubi Marcout
Co-Founder, Fintech, Strategic Partnerships & Brand Strategy
Chief Innovation Officer and Managing Partner of RELOPAY.IO, a fintech company working across payments, relocation, cross-border financial infrastructure, and global mobility.