Your Wealth,
Cultivated.
The financial-intelligence and record infrastructure for women-owned wealth. Capital in your name, records in order, a Statement the world recognises.
Financial Pulse
342
Women started their investment journey today
$30T
In women-controlled assets by 2030
What HerTerms Is
One product.
Five embedded functions.
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.
The Annual Wealth Record
The HerTerms Statement
The definitive annual record of a woman's financial position, ownership, control, provenance, contributions, entitlements, exposures, and available pathways. Institutional-quality. Fully traced. Built around the complete financial lifecycle.
Annual Wealth Statement
Total in Her Name
$612,400
Separately Held
$214,000
Personal Net Position
$539,400
Documented YoY
+16.4%
ILLUSTRATIVE SAMPLE — Synthetic data for demonstration only
Executive Wealth Position
Assets, liabilities, net position, and excluded amounts
Ownership & Control Map
Who holds it, who controls it, who can access it
Separation & Capital Provenance
Where it came from, who contributed, tracing record
Contribution Ledger
Documented direct contributions to capital assets
Economic Contribution Record
Non-monetary contributions — documented, not monetized
Career & Care Capital
Retirement impact of career interruptions
Income & Capital Inflow
Every inflow by category, source, and destination
Retirement & Pension Capital
Plans, vesting, contributions, beneficiaries
Property Ledger
Full tracing: acquisition, contributions, source of funds
Enterprise Capital
Business equity, valuations, shareholder records
Credit & Liability Map
Credit position, joint liability exposure, guarantees
Receivables & Entitlements
Amounts due to member, classified by evidence
Potential Interests
Items requiring professional review — excluded from net worth
Inheritance & Transfer
Expected and received — separately tracked
Protection & Succession
Insurance, beneficiaries, estate readiness
Capital Flow & Change Bridge
Year-over-year wealth creation, legible
Capital Opportunities
Exposures and actions, professionally classified
Pathways
Conventional professional and institutional routes
Record Integrity Annex
Transparent component measures — no opaque scoring
HerTerms certifies process, never truth. The Statement is a record and intelligence product — not legal, tax, or investment advice. The regulated institution holds the asset; the professional determines regulated matters; HerTerms preserves the record, provenance, structure, intelligence, and continuity.
Growth & Development
Financial Literacy, Cultivated
Curated knowledge that transforms the unfamiliar into the understood — designed to grow your financial confidence and open new pathways.
The Separation of Property
5 min read
Credit Readiness for the Non-Earning Spouse
4 min read
Understanding Your Mahr as Wealth
3 min read
The Opportunity
The distance between what women own and what they direct is the market.
The largest wealth transfer in history is reaching women. Women in the Gulf and around the world are moving from inheritors to creators. And no product exists to hold that wealth separately, record it, and make it legible. Until now.
$30T+
Women-controlled assets by 2030
80%
Of women become solely responsible for finances
36%
Of UAE small businesses are women-owned
98%
Of women would recommend participating in financial planning
Membership
Priced by function,
not by subscription.
HerTerms brings a disciplined subset of family-office work to women below the traditional threshold. Billed quarterly.
Global
For aspiring-affluent and affluent women building wealth in their own name.
- Engine-led account with regulated partners
- Automated separation of property
- Reconciled financial records
- Annual Statement and readiness file
- Credit-readiness scoring
- Financial literacy library
Private
For women with household, children's, and business complexity.
- Everything in Global, plus:
- Concierge review of your record
- Fuller structuring and credit pathways
- Trust and estate referral coordination
- Household and children's record engine
- Priority access to partner services
Legacy
For high-net-worth women with structuring and succession needs.
- Everything in Private, plus:
- DIFC Foundation structuring vehicle
- Independent legal personality for assets
- High-touch counsel coordination
- Succession and estate planning support
- Dedicated relationship manager
Global by Design
Four priority markets
Dubai
DFSA (DIFC) home base, partner-led, Mahr configuration
United Kingdom
FCA-authorised partners, mature open-finance rails
Singapore
MAS partner-led, Women's Charter context
United States
Sequenced last, bank and adviser partnerships
The Founding Cohort
The first 500 members receive preferential pricing held for the life of their membership. Your assets sit with regulated partners under institutional protections, not with HerTerms.
Launching in Dubai and the United Kingdom. By invitation and waitlist.