Last updated: April 1, 2026

IN THESE USER TERMS, YOU AGREE TO RESOLVE ANY DISPUTE WITH US THROUGH BINDING ARBITRATION (UNLESS YOU OPT OUT) AND TO WAIVE YOUR RIGHTS TO PARTICIPATE IN A JURY TRIAL OR IN CLASS ACTION SUIT (UNLESS YOU OPT OUT) AS PROVIDED IN SECTION 13.

1. Eligibility and Acceptance

The following terms and conditions (these “Terms”) are the legally binding provisions that govern the accessing and use of all services and other things made available from time to time on or through this website (our “Website”) of Allposit, Inc., a Delaware corporation (“Allposit,” “we,” “us”, “our”). These Terms include anything referenced as being incorporated herein by reference, including our Privacy Policy (https://allposit.com/policy).

Allposit makes available through this Website, to its Registered Users and Authorized Users, various content, tools, software applications, features, functionalities, data, materials, information, product offerings, services offerings, and other things (collectively called the “Services”). The Services may change from time to time at our discretion. The Services are made available only to users who are 18 years of age or older.

A “Registered User” is the person or entity whose bank, securities, financial, asset, and like accounts (“Your Financial Accounts” or “His Financial Accounts”) are linked with or otherwise added manually to our Website so as to be (a) viewable only through his or its account with us, and (b) able to interoperate with the Services. The term Registered User may also include a person or entity to whom Allposit has provided a temporary, free-of-charge trial account (a “Trial User”). 

An “Authorized User” is a person or entity who has been expressly authorized by a Registered User to use the Services in connection solely with that Registered User’s account with us. The Registered User determines whether each of his or its Authorized Users will have “read-only” or “read-write” usage rights in respect of that Authorized User’s account with us. By authorizing any Authorized Users, such Registered User is agreeing to ensure that such Authorized Users agree to and abide by these Terms. An Authorized User who is given “read-write” access will have all of the same access and usage rights, in respect of the associated Registered User’s account, as does that Registered User. Accordingly, a Registered User agrees to hold harmless Allposit and its affiliates from and against anything done by his or its Authorized Users in relation to that Registered User’s account, regardless of the level of permissions such Authorized User has. 

If you are a Trial User, then your rights to access and use some or all of the Services are provided only for as long as Allposit determines in its sole discretion, provided that we agree not to suspend or terminate those rights for at least ninety (90) days. After that period, we shall have the ongoing right to suspend or terminate your account without prior notice. A Trial User accepts that any or all of the data and other information that such user has uploaded to Allposit for his or its evaluation of the Services will be deleted by us when his or its trial usage period has ended (unless such user thereupon becomes a paying Registered User). 

As a Registered User or Authorized User, you should read these Terms, carefully and in full, before using any Services. By using the Services, or by clicking to accept or agree to these Terms (when that option is made available), you agree to be bound by these Terms and our Privacy Policy. 

By using the Services, you (whether you are a Registered User or Authorized User) represent and warrant that (a) you are of legal age to form a binding contract with Allposit, (b) you (only if you are a Registered User) are the owner of Your Financial Accounts and have the unrestricted right to upload, transmit, or otherwise link those accounts to the Services, (c) you are not associated with a company providing services similar to the Services, (d) you are not (and, while a user, will not be) on any list or schedule published by a governmental, quasi-governmental, or regulatory agency which identifies persons or entities allegedly involved in criminal or otherwise illegal activities relating to (but not limited to) banking laws, anti-terrorism laws, anti-money-laundering laws, export control laws, or anti-corruption laws, and (e) you (only if you are a Registered User) do not keep any of your financial or other assets at, or transact in respect of any such assets with, an entity that under U.S. law is called a Foreign Shell Bank. If we, in our sole discretion, believe at any time that you have violated any of the foregoing representations and warranties, then we may (without prior notice) suspend or terminate your use of the Services. 

The Registered User of Your Financial Accounts has the sole responsibility and liability for (a) the content, accuracy, completeness, real-time accessibility, and reliability of Your Financial Accounts, (b) uploading, transmitting, or otherwise linking those accounts to the Services, (c) determining whether, under the laws of that Registered User’s domicile or under the laws applicable to His Financial Accounts, such Registered User is legally permitted to use the Services, and (d) maintaining (independently of storage with Allposit) one or more complete and accurate copies of Your Financial Accounts and all associated data and other information. Allposit does not covenant to maintain (in any form of media, including its backup and archival systems), or to deliver or otherwise make available to a Registered User or Authorized User (or other representatives or agents), any of that data or other information for any period of time after such user ceases to have the right to use the Services. 

Each Registered User and Authorized User accepts that we do not review any of the content or data relating to His Financial Accounts before it is uploaded, transmitted, or otherwise linked to the Services. A Registered User may be afforded the option by Allposit (in its sole discretion) to engage Allposit to assist in those activities; but any such engagement (a) is outside the scope of the Services, (b) would therefore be the subject of a separate, written contract between that Registered User and us, and (c) may be subject to additional charges (e.g., and on-boarding fee) payable to Allposit, as are agreed in that contract. 

Neither the expiration, nor the suspension or termination by Allposit, of anyone’s rights to access and use the Services shall cancel, limit, reduce, or otherwise affect the obligation of each Registered User and Authorized User to pay any fees, expenses, and other charges that may have become due from such user before the time of such expiration, suspension, or termination.

2. Updates to These Terms 

We may revise and update these Terms from time to time in our sole discretion. We shall notify all Registered Users of any material changes to the Terms, and all changes are effective immediately. We shall also post all updated Terms to our Website, and such updated Terms shall apply immediately to all access and use of the Services thereafter. However, any changes to the dispute resolution provisions set out in Section 10 (Governing Law and Jurisdiction) will not apply to any disputes for which the parties have actual notice before the date the change is posted on our Website. Your continued use of the Services following the posting of revised Terms means that you agree to the changes. 

3. Pricing; Payments to Us; Updates and Changes to Pricing Terms

The price payable by a Registered User for the Services is found by clicking on “Subscribe” on https://app.allposit.com/subscription (where you are agreeing to be bound by these Terms) in the form of an annual subscription fee (the “Annual Fee”). Because Allposit is in the early stages of its development, the appropriate amount of the Annual Fee is reconsidered regularly by Allposit and therefore is subject to change at any time. There accordingly is no guarantee that every Registered User is contemporaneously charged the same Annual Fee. Allposit’s currently prevailing Annual Fee at any time can be found on this webpage: https://allposit.com/. Additionally, the prevailing Annual Fee is subject to being discounted and otherwise adjusted by us for some Registered Users (ad hoc, in our discretion), such as when a large group of prospective Registered Users is introduced to us by an intermediary (e.g., their common financial advisor or wealth manager). 

The Annual Fee does not include any federal, national, state, provincial, municipal, local, or other sales, value-added, use, or other governmental taxes, duties, assessments, or other charges of like nature which may now or hereafter become payable by a Registered User or Authorized User pursuant to applicable laws, rules, or regulations; all of which shall be the sole liability of such users. Without derogating the foregoing, Allposit (in its discretion) may, at any time, elect to (a) invoice and collect any or all of those governmental charges on behalf of such users, and (b) remit the same to the appropriate governmental authorities.

Allposit agrees that it will not change a particular Registered User’s Annual Fee during that user’s annual subscription period. However, unless a Registered User cancels his or its account with us before the end of such user’s annual subscription period, the account will automatically renew (for an additional year) at Allposit’s then-prevailing Annual Fee (which could be higher or lower than that such user had been paying). An account cancellation can be initiated by emailing us at support@allposit.com. Allposit will give each Registered User an emailed notice, no later than five (5) days before the end of such user’s then-current annual subscription period, of the Annual Fee that will apply at renewal time. 

Notwithstanding anything to the contrary in the preceding paragraph, Allposit reserves the right at any time, in our sole discretion and without prior notice, to introduce new and significant enhancements to the Services (or to some of the then-existing features and functionalities of the Services) the access and use of which will be subject to an immediate increase in the Annual Fee. A Registered User who opts to use the same will be required to so elect in writing (email to suffice) before being assessed any increase in the Annual Fee. 

We use a third-party payment processor (currently Stripe) to collect, process, and remit all payments to us. Each Registered User agrees to furnish our selected payment processor will all information it needs to collect your payments. If that user pays the Annual Fee with a credit card, then our payment processor may seek pre-authorization of your card account before your purchase (to verify that the credit card is valid and has the necessary funds or credit available to cover your purchase). At the time a Registered User initially pays the Annual Fee, the payment method provided to our payment processor (a) will remain in effect until changed or canceled by you, and (b) unless you timely cancel your account with us (as described immediately above), will be used by our payment processor to make repeating, renewal term payments. The following additional provisions apply to all payments made through our Website by or on behalf of a Registered User:

• The Registered User grants us and our payment processors the right, power, and authority to act on such user’s behalf to (a) access and transmit such user’s personal and financial information to and from the relevant financial institution, and (b) charge such user’s account in the amount specified by us.

• Such user agrees to his personal and financial information being transferred, stored, and processed by our payment processors.

• Such user agrees (a) that all payments made to us are final and non-refundable (whether or not such user exploits the Services for a full yearly subscription period), and (b) not to challenge or dispute our charges with such user’s financial institutions (except if and as otherwise allowed by law).

• Such user agrees that, if he initiates a dispute with his financial institution, he alone will be responsible for any outstanding balance owed to us (plus any dispute case fees charged by that institution).

• Any outstanding balance left unpaid after 30 days may be submitted to a collections agency; and such user agrees that a collections fee of up to 50% of the outstanding balance or $100 (whichever is higher) will be added to the amount owed to us.

• If such user’s financial institution or card issuer initiates a reversal, chargeback, or dispute of a payment made by such user, then such user authorizes us and our payment processors to reverse or otherwise debit the funds from such user’s account. In the event we are unable to do so, then such user agrees promptly to deposit such funds upon our request.

• We have the right to charge you a reasonable chargeback or reversal fee in the case of an unsuccessful payment. 

• We may also initiate a reversal of any payment made, or take other actions we determine to be appropriate (including making notifications to law enforcement authorities), if we believe that fraud or abuse has occurred.

4. Accessing the Services; Unavailability of Services; Registration and Security

We reserve the right at any time, in our sole discretion and without prior notice, to make changes or to restrict user access to our Website or to all or any part of the Services. We will not be liable to anyone if (for any or no reason) all or any part of the Services shall be unavailable at any time or for any period. You are responsible for making (and paying for) all Internet, telecommunications, network security, and other arrangements necessary for you to be able to access the Services, including to upload, transmit, or otherwise link Your Financial Accounts to the Services. Allposit accordingly shall have no liability for or in connection with any errors or any breaches of security that may occur during the process of uploading, transmitting, or otherwise linking Your Financial Accounts to or with the Services. The Registered User alone is responsible for ensuring that all data and information comprising His Financial Accounts are accurately, completely, and securely transferred to Allposit for use with the Services. 

To access the Services, each Registered User and Authorized User will be asked to provide certain registration details and other information, such as your full legal name, street address, email address, and/or telephone number (“Login Credentials”). For clarification, each Registered User and Authorized User will have their own unique Login Credentials.

We reserve the right, both at and after the time you register with Allposit, to verify your identity using whatever methods we select in our discretion. We also reserve the right to refuse to register your account with us (for any or no reason, in our sole discretion). 

All information you provide to register for and access the Services must at all times be correct, current, and complete. All such information is governed by our Privacy Policy. By accessing our Website or by using the Services, you consent to all actions we take with respect to your provided information which are consistent with our Privacy Policy.

You must (a) treat your Login Credentials as confidential, and (b) not disclose such information to anyone (except, if you are a Registered User, to your Authorized Users; but we prefer that Login Credentials not be shared in this way). If you are an Authorized User, then you agree not to provide anyone with the Login Credentials of yourself or your associated Registered User. If you, whether as a Registered User or Authorized User, allow a third party to access or use the Services, then Allposit may (at any time thereafter) terminate your license to access and use the Services. 

You agree to notify us immediately of any suspected, unauthorized access to or use of your Login Credentials or your account. You should use particular caution when accessing your account from a public or shared computer, so that others are not able to view or record your Login Credentials. If you are using a public or shared computer, then you agree to ensure that you exit from your account with us at the end of each session. 

In connection with establishing your Login Credentials, you must comply with the following prohibitions (whether you are a Registered User or Authorized User). You must not:

• select or use the name of another person with the intent to impersonate that person;

• use, as a username, a name subject to any rights of a person other than you (without appropriate authorization from such other person);

• use, as a username, a name that is offensive, vulgar, or obscene; 

• register with us more than one email account that is owned, controlled, or operated by you; or

• register for an account with false information or in a fraudulent manner (e.g., using information created solely for purposes of such registration which does not accurately identify you to us).

We do not prohibit a user of the Services from having more than one account, but each such account will be associated with a unique Registered User. For instance, you might have one Registered User account associated with your home address and personal email address (relating to your personal assets), and you might (e.g., if you work as a financial advisor) have another, separate Registered User account associated with your work address and work email address (relating to your work advising clients). Each account will bear its own Annual Fee; however, for reasons described elsewhere in these Terms, the same person having two (or more) Registered User accounts might not pay the same Annual Fee for each. 

We have the right to disable all or any of your Login Credentials (whether chosen by you or provided by us) if we believe that you have violated any provision of these Terms.

5. Intellectual Property Rights

As between you and Allposit, the Services (including all content, tools, software applications, features, functionalities, data, materials, information, product offerings, services offerings, and other things accessed via the Services, other than Your Financial Accounts) are (a) owned, exclusively and worldwide, by Allposit and its applicable licensors, and (b) protected by United States and foreign copyright, trademark, service mark, patent, trade secret, and other intellectual property, industrial property, proprietary rights, and other laws. No right, title, or interest in or to the Services or any content thereon (excluding Your Financial Accounts) is transferred to you, and all rights not expressly granted to you are reserved by Allposit and its applicable licensors.

The Allposit corporate name and all of its trademarks, service marks, logos, designs, product names, service names, slogans, and the like are owned, exclusively and worldwide, by Allposit. All things of like kind that, through the Services, are reflected as being associated with third parties (such as our licensors) are the exclusive property of their respective owners. 

As between you and Allposit, we agree that (a) you exclusively own Your Financial Accounts and all of the data and other information comprising the same, and (b) you have reserved all worldwide rights of any kind relating to them which are not expressly licensed or otherwise granted to Allposit in these Terms. 

Your access to and use of the Services is solely pursuant to a limited, personal, non-exclusive, and non-transferable license that we hereby grant you in accordance with these Terms. You are forbidden to reproduce, distribute, license, sell, modify, create derivative works of, publicly display, publicly perform, republish, broadcast, download, store, or transmit any of the information or materials accessible using the Services (other than Your Financial Accounts), except as follows:

• Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.

• You may store files that are automatically cached by your web browser for display enhancement purposes.

• You may print copies of a reasonable number of pages of materials accessed via the Services for your personal, non-commercial use and not for further reproduction, publication, or distribution. If you make any such copies, then you are forbidden to delete or alter any copyright, trademark, service mark, or other proprietary rights notices from those copies.

If you shall, in any form of media or communication, provide Allposit with suggestions, enhancement requests, improvements, recommendations, changes, or other feedback regarding any of the Services ("Feedback"), then you agree that (a) we own all Feedback, (b) you hereby forever assign and transfer exclusively to us (in consideration of your license to access and use the Services) all of the worldwide rights, title, and interests in and to the Feedback, and (c) we may use the Feedback for any purpose without restriction and without any compensation to you.

All Feedback, requests for technical support, and other communications relating to the Services should be directed to support@allposit.com.

A Registered User has the exclusive responsibility for ensuring that the content and data of Your Financial Accounts which is uploaded, transmitted, or otherwise linked to the Services complies with all laws, rules, regulations, and statutes applicable to that Registered User. 

Each Registered User hereby grants, to Allposit and its affiliates and its and their respective licensees, a non-exclusive, royalty-free, perpetual, irrevocable, transferable, and sublicensable worldwide license to access, store, integrate, process, use, transmit, and copy, the data and information in Your Financial Accounts (i) in order to provide such Registered User and its or his Authorized Users with access to the Services; and (ii) for the limited purpose of creating and using, for Allposit’s business purposes, aggregated, anonymized, or de-identified data (“Aggregated Data”). Each Registered User agrees that Allposit (a) exclusively owns all worldwide rights, title, and interests in and to the Aggregated Data, and (b) may use it for any purpose, including (but not limited to) to improve, modify, and train the Services and to provide content and insights (e.g., with respect to trending asset classes) to our body of Registered Users and Authorized Users. For purposes of clarification, Aggregated Data will be “de-identified” by Allposit in that the following identifiers will have been removed: the names of legal entities and natural persons; their addresses, phone numbers, and email addresses; their account numbers or other identification numbers or codes; and any other information that could reasonably be anticipated to identify (when taken together) a specific legal entity or natural person.

Additionally, each Registered User and Authorized User hereby grants, to Allposit and its affiliates and its and their respective licensees, a non-exclusive, royalty-free, perpetual, irrevocable, transferable, and sublicensable worldwide license to monitor, track, record, analyze, and otherwise exploit the ways in which you use and interact with the Services. 

Each Registered User and Authorized User hereby grants to Allposit, during the period such user is licensed to access and use the Services and for two (2) years thereafter, the right to reference in general terms such user’s relationship as a licensee of the Services in Allposit’s private marketing, fund-raising, and like information and materials. Allposit agrees that it shall not otherwise refer to a Registered User and Authorized User in any public announcement or disclosure without his or its prior written consent, except as required by law or by valid legal process. 

6. Prohibited Uses of the Services

Each Registered User and Authorized User may use the Services only (a) for such Registered User’s internal business purposes, (b) for lawful purposes, and (c) in accordance with these Terms. Each Registered User and Authorized User agrees not to use the Services (directly or indirectly):

• In any way that competes with our business.

• In any way that violates any federal, state, local, or international law, regulation, or treaty (including, but not limited, any laws regarding the export of data or software to and from the US or other countries).

• To attempt to access any of the object code or source code included in or underlying the Services.

• To attempt to reverse engineer, decompile, disassemble, or otherwise discover the source code, object code, or any of the other structures, ideas, know-how, software, or algorithms that underly the Services.

• To license, sublicense, sell, resell, rent, lease, transfer, assign, distribute, time-share, or otherwise commercially exploit or make available to any third party (a) the Services, (b) any part or component of the Services, or (c) any of the information or materials made accessible by means of the Services (regardless of the media in which such information would be shared with such third party, it being agreed that this prohibition applies to sharing such things in any digital, electronic, tangible, or other media).

• To send, knowingly receive, upload, download, use, or re-use any material that does not comply with these Terms.

• To upload, transmit to, or otherwise link to the Services any bank, securities, financial, asset, or like account (or any associated data) that (a) is not owned by you, or (b) violates any federal, state, local, or international law, regulation, or treaty.

• To transmit, or procure the sending of, any mass advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.

• To impersonate or attempt to impersonate Allposit, an Allposit employee or other service provider, another Registered User or Authorized User, or any other person or entity (including, but not limited to, by using any of the Login Credentials associated with any of the foregoing).

• To engage in other conduct which (a) restricts or inhibits anyone else’s use or enjoyment of the Services, or (b) we determine (in our sole discretion) may harm or cause liability of any kind to Allposit, its affiliates, or other users of the Services. 

Additionally, you agree not to:

• Use the Services in any manner that could disable, overburden, damage, or impair our Website or interfere with another party’s use of the Services, including their ability to engage in real-time activities through the Services.

• Use any robot, spider, or other automatic device, process, or means to access the Services for any purpose, including monitoring or copying any of the information or material accessed through the Services.

• Use any manual process (a) to monitor or copy any of the information or material accessed through the Services (other than Your Financial Accounts), or (b) for another purpose not expressly authorized in these Terms.

• Use any device, software, or routine that interferes with the proper working of the Services.

• Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

• Attempt to gain unauthorized access to, interfere with, damage, or disrupt (a) any parts of the Services, (b) the servers on which the Services are stored, or (c) any other server, computer, or database connected to the Services.

• Attack the Services via a denial-of-service attack or a distributed denial-of-service attack.

• Otherwise attempt to interfere with the proper working of the Services.

In support of your use of the Services, Allposit (in its discretion) from time to time may make available to its users one or more manuals, handbooks, or other guides relating to the Services (any of which may be in digital and/or in tangible formats) (“Documentation”). Your use of the Services includes a limited license to use any Documentation, including by creating such reasonable number of copies thereof as may be needed for the Registered User’s internal business purposes. Immediately upon a Registered User ceasing to have the rights to access and use the Services, such Registered User and its associated Authorized Users are obligated to destroy all copies of any Documentation in their possession or control. 

7. Monitoring and Enforcement; Referral to Law Enforcement Bodies

We have the unrestricted rights to take any actions with respect to your account with us or Your Financial Accounts which we (in our sole discretion) deem necessary or appropriate to ensure compliance with law, including (but not limited to) if we believe that they violate these Terms, infringe the intellectual property or other rights of any person or entity, violate any laws, rules, regulations, or statutes, threaten other users of the Services, or could expose Allposit to liability of any kind. You agree that those actions may include:

• Disclosing your identity and other information about you, your account with us, or Your Financial Accounts to any third parties (including governmental and regulatory authorities) we deem necessary or appropriate.

• Taking any legal action we deem necessary or appropriate, including (but not limited to) referral to civil or criminal legal, regulatory, or like enforcement authorities. 

• Terminating or suspending (with or without notice) your access to all or part of the Services.

Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities, court orders/decrees, or other legal process directing us to disclose the identity or other information of anyone using the Services. 

YOU HEREBY WAIVE ALL CLAIMS THAT YOU MAY HAVE AT ANY TIME ARISING (DIRECTLY OR INDIRECTLY) FROM OR IN CONNECTION WITH (A) ANY ACTION TAKEN BY US AS DESCRIBED ABOVE IN THIS SECTION 7, OR (B) ANYTHING RESULTING FROM THE INQUIRIES OR INVESTIGATIONS UNDERTAKEN BY ANY GOVERNMENTAL OR QUASI-GOVERNMENTAL BODIES OR BY ANY COURTS, LAW ENFORCEMENT, OR LIKE AUTHORITIES. 

YOU HEREBY AGREEE FOREVER TO HOLD HARMLESS AND RELEASE ALLPOSIT, ITS AFFILIATES, AND ITS AND THEIR RESPECTIVE LICENSORS, LICENSEES, AND SERVICE PROVIDERS FROM AND AGAINST ALL SUCH CLAIMS. You further agree that Allposit shall not have any liability to you in connection with any of its actions or inactions relating to the matters described above in this Section 7.

8. Copyright Infringement; DMCA Notices

We take claims of copyright infringement seriously and we will respond to notices of alleged copyright infringement which comply with applicable law. It is our policy (in appropriate circumstances) to disable and/or terminate the accounts of users who are repeat copyright infringers. 

If you believe any information or materials accessible via the Services (excluding the content and data of Your Financial Accounts) infringe any copyright held by you or another party, then you may request the removal of such information/materials (or access to them) from the Services by submitting a written notice to our copyright agent. Our designated copyright agent to receive that notice (a “DMCA Notice”) is dmca@allposit.com.

To be valid in accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA”), your DMCA Notice must include substantially the following:

• Your physical or electronic signature.

• Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Services, a representative list of such works.

• Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material.

• Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address).

• A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law.

• A statement that the information in the written notice is accurate.

• A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, then your DMCA Notice may not be effective. Please be aware that, if you knowingly and materially misrepresent that material or activity accessed via the Services is infringing a copyright, then you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.

9. Reliance on Information; Links to Outside Resources; Possible Use of AI

The information and materials made available to users via the Services are solely for informational purposes. Neither Allposit nor any of its affiliates or licensors who may furnish it with some of such information and materials makes any representation or warranty as to (a) the accuracy, completeness, or usefulness thereof, of (b) whether any of such information and materials is being kept up-to-date. Allposit disclaims the responsibility to keep such information and materials updated. 

The Services may now or hereafter contain links to websites (including marketplaces for products or services), materials, and other resources and information provided by third parties, which may include advertisements (“Third Party Content”).

Any reliance on such information and materials by users of the Services (whether it was published by Allposit or constitutes Third Party Content) is at your own risk. Allposit disclaims all liabilities arising from any reliance placed by users of the Services on the information and materials made available thereby.

Some of the information and materials made available to users via the Services, and/or certain features of the Services themselves, may (from time to time and at Allposit’s sole election) be authored or otherwise created in whole or part by means of functionalities (“AI Features”) that use machine learning, generative artificial intelligence (“AI”), large language models, or similar techniques to generate, transform, summarize, predict, classify, or otherwise process text, documents, data, or other content. Allposit is not obligated to disclose its uses of AI Features (but, in its discretion, it might elect to do so), nor is it obligated to make AI Features (once introduced) available for any period of time or on any kind of continuous basis. If AI Features have been enabled in connection with the Services, then a user of the Services, by linking His Financial Accounts (and their associated data) to and by interacting with the Services, may obtain access to results produced in whole or part by such AI Features (such results being called “AI Output”). As with all other information and materials made available to users of the Services, a user of any AI Output uses it at such user’s own risk. Allposit (a) makes no representations or warranties as to the results that may be obtained (or errors that could arise) from the use of AI Features or AI Output, and (b) disclaims all liabilities arising from any reliance placed thereon by users of the Services.

NEITHER THE SERVICES NOR ANY INFORMATION OR MATERIALS ACCESSED THEREBY CONSTITUTE LEGAL, TAX, INVESTMENT, TRADING, INSURANCE, ASSET PROTECTION, WEALTH MANAGEMENT, OR OTHER ADVICE OF ANY KIND. THE SERVICES ARE NOT DESIGNED TO ADVISE ON OR RECOMMEND, AND THEY SHOULD NOT BE USED BY YOU TO MAKE, INVESTMENT OR OTHER DECISIONS RELATING TO YOUR FINANCIAL ACCOUNTS. 

The Services enable a Registered User and his or its Authorized Users to access, view, monitor, track, and interact with whatever that Registered User has made accessible in the form of Your Financial Accounts. The Services do not and will not present recommendations or endorsements of any particular products or services offered by banking, securities, trading, investment advisor, custodian, trust, wealth advisor, or like entities. 

10. Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from, or other interactions by your devices with, the Internet, our Website, or otherwise through the Services will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and protections for (a) satisfying your particular requirements for anti-virus protection, (b) ensuring the accuracy of data input and output, and (c) maintaining a means (external to our Website) for any reconstruction of any lost data. 

TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO (A) YOUR USE OF THE SERVICES, OUR WEBSITE, OR ANY FUNCTIONS OR ITEMS OBTAINED THROUGH THE SERVICES, OR (B) YOUR DOWNLOADING OF ANY POSTED MATERIAL FROM OUR WEBSITE OR ANY SITE LINKED TO THE SERVICES. 

THE SERVICES, OUR WEBSITE, AND THE WEBSITES OF THIRD PARTIES, THEIR CONTENT, AND ANY FUNCTIONS OR ITEMS OBTAINED THROUGH THEM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. 

NEITHER ALLPOSIT NOR ANY PERSON ASSOCIATED WITH ALLPOSIT MAKES ANY REPRESENTATION OR WARRANTY WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SERVICES. WITHOUT LIMITING THE FOREGOING, NEITHER ALLPOSIT NOR ANYONE ASSOCIATED WITH ALLPOSIT REPRESENTS OR WARRANTS THAT THE SERVICES, OUR SERVERS, OUR WEBSITE, AND THE WEBSITES OF THIRD PARTIES, THEIR CONTENT, OR ANY FUNCTIONS OR ITEMS OBTAINED THROUGH THEM (A) ARE OR WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, (B) WILL HAVE ANY ERRORS OR INTERRUPTIONS CORRECTED, (C) ARE OR WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR (D) ARE OR WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. 

TO THE FULLEST EXTENT PROVIDED BY LAW, ALLPOSIT HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING (BUT NOT LIMITED TO) ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE. 

THE FOREGOING PROVISIONS OF THIS SECTION 10 DO NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

11. Limitations of Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL ALLPOSIT, ITS SUBSIDIARIES AND OTHER AFFILIATES, OR ITS AND THEIR RESPECTIVE LICENSORS, SUPPLIERS, DIRECTORS, MANAGERS, OFFICERS, EMPLOYEES, OTHER SERVICE PROVIDERS, OR AGENTS BE LIABLE FOR DAMAGES OF ANY KIND (UNDER ANY LEGAL, EQUITABLE, OR OTHER THEORY) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF (OR YOUR INABILITY TO USE) THE SERVICES, OUR WEBSITE, ANY WEBSITES LINKED THERETO, OR ANY CONTENT OF OUR SERVICES OR THOSE OTHER WEBSITES, INCLUDING (BUT NOT LIMITED TO) (A) ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, (B) DAMAGES RELATED TO PERSONAL INJURY, PAIN AND SUFFERING, OR EMOTIONAL DISTRESS, (C) DAMAGES CONSTITUTING LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, OR LOSS OF DATA; IN EACH CASE (1) WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, AND (2) EVEN IF SUCH DAMAGES WERE FORESEEABLE. 

IN NO EVENT (AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) WILL THE COLLECTIVE LIABILITY TO A REGISTERED USER (INCLUDING ALL OF HIS OR ITS AUTHORIZED USERS) OF ALLPOSIT, ITS SUBSIDIARIES AND OTHER AFFILIATES, AND ITS AND THEIR RESPECTIVE LICENSORS, SUPPLIERS, DIRECTORS, MANAGERS, OFFICERS, EMPLOYEES, OTHER SERVICE PROVIDERS, AND AGENTS EXCEED THE GREATER OF (A) ONE HUNDRED DOLLARS ($100), AND (B) THE AMOUNT THAT SUCH REGISTERED USER PAID TO ALLPOSIT FOR THE SERVICES IN THE LAST SIX (6) MONTHS DURING WHICH THE LIABILITY AT ISSUE AROSE. 

THE FOREGOING PROVISIONS OF THIS SECTION 11 DO NOT (A) APPLY TO ANY LIABILITY RESULTING FROM OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OR (B) AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

12. Your Indemnity Obligations

Each Registered User and Authorized Users agrees, both during and after their time of use of the Services, to indemnify, defend, and hold harmless (a) Allposit and its subsidiaries and other affiliates, (b) its and their respective licensors, suppliers, directors, managers, officers, employees, other service providers, and agents, and (c) the respective heirs, successors, and assigns of each person and entity referenced in the preceding clause (a) or (b), from and against all claims, liabilities, damages, judgments, awards, losses, costs, expenses, fees, and charges (including the disbursements and reasonable fees of their attorneys, accountants, and other professionals) arising (directly or indirectly) out of or in connection with:

• such user’s (i) access or use of the Services in any manner that is not in strict accordance with these Terms, (ii) violation of these Terms, or (iii) use of any information or materials accessed by or through the Services; or 

• such user’s access or use of the Services in a manner not expressly authorized by these Terms; 

• an allegation to the effect that such user has harassed, libeled, slandered, defamed, or otherwise abused any other user of the Services; or

• an allegation to the effect that Your Financial Accounts (or any of the associated data input therein by such user) infringes, misappropriates, or otherwise breaches or violates the intellectual property or other rights of any other person or entity. 

13. Dispute Settlement by Arbitration

ARBITRATION AND CLASS ACTION WAIVER — IMPORTANT — PLEASE REVIEW AS THIS AFFECTS AND LIMITS YOUR LEGAL RIGHTS RELATING TO DISPUTES WITH US. THIS SECTION 13 WILL SURVIVE THE TERMINATION OF YOUR RELATIONSHIP WITH US.

13.1 ARBITRATION; WAIVER OF TRIAL BY JURY

YOU AGREE THAT ALL DISPUTES BETWEEN YOU AND US OR ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES, OTHER SERVICE PROVIDERS, OR AGENTS ACTING IN THEIR CAPACITY AS SUCH (WHETHER OR NOT SUCH DISPUTE INVOLVES A THIRD PARTY) WITH REGARD TO YOUR RELATIONSHIP WITH US, INCLUDING (BUT NOT LIMITED TO) DISPUTES RELATED TO THESE TERMS, YOUR USE OF THE SERVICES, AND/OR YOUR RIGHTS OF PRIVACY OR PUBLICITY (OR OTHER RIGHTS), WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION UNDER THE JAMS, INC. (“JAMS”) RULES FOR ARBITRATION OF CONSUMER-RELATED DISPUTES. YOU AND WE HEREBY WAIVE TRIAL BY JURY; PROVIDED THAT WE OR YOU MAY SEEK INJUNCTIVE OR OTHER EQUITABLE RELIEF IN ANY STATE OR FEDERAL COURT (HAVING JURISDICTION TO GRANT IT) IN THE EVENT OF AN ACTUAL OR THREATENED INFRINGEMENT OR MISAPPROPRIATION OF INTELLECTUAL PROPERTY RIGHTS. DISCOVERY AND RIGHTS TO APPEAL IN ARBITRATION ARE GENERALLY MORE LIMITED THAN IN A LAWSUIT, AND OTHER RIGHTS THAT YOU AND WE WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION.

13.2 Small Claims Court; Class Action Waiver

As an alternative, you may bring your claim in your local “small claims” court, if permitted by that small claims court’s rules, and if such claim is within such court’s jurisdiction (unless such action is transferred, removed, or appealed to a different court). 

You may bring claims only on your own behalf. Neither you nor we will participate in a class action or class-wide arbitration for any claims covered by this agreement. YOU ARE GIVING UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST US, INCLUDING (BUT NOT LIMITED TO) ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS. You also agree not to participate in (a) claims brought in a private attorney general or representative capacity, or (b) consolidated claims involving another person’s account with us, if we are a party to the proceeding.

13.3 Procedures

The provisions of this Section 13 will be governed by the Federal Arbitration Act and not by any state or other law concerning arbitration. In the event that JAMS is unwilling or unable to set a hearing date within one hundred and sixty (160) days of filing the case, then either we or you can elect to have the arbitration administered instead by the American Arbitration Association. Judgment on the award rendered by the arbitrator may be entered in any court having competent jurisdiction. Any provision of applicable law notwithstanding, the arbitrator will not have authority to award damages, remedies, or awards that conflict with these Terms. You agree that, regardless of any law to the contrary, any claim or cause of action arising out of, related to, or connected with your use of the Services or these Terms must be filed within one (1) year after such claim or cause of action arose; or it will thereafter be forever barred.

13.4 30-Day Opt-Out Period

If you do not wish to be bound by the arbitration and class-action waiver provisions in this Section 13, then you must (a) notify us in writing within thirty (30) days after the date that you first accept these Terms (unless a longer period is required by applicable law), and (b) litigate any disputes against us in accordance with the Governing Law and Jurisdiction provisions below (Section 14). Your written notification must be mailed to us at the following address: Allposit Inc., Attn. CEO or Chief Revenue Officer, 12 East 49th Street, 11th Floor, New York, NY 10017.

If you do not notify us in accordance with the foregoing paragraph, then you agree to be bound by all terms of this Section 13, including (but not limited to) (1) the arbitration and class-action waiver provisions, and (2) such provisions in any revisions we make to these Terms after the date of your first acceptance. 

Your opt-out notification must include: (i) your name; (ii) your email address and mailing address; and (iii) a statement that you do not wish to resolve disputes with us through arbitration or waive your ability to participate in a class action. 

If we make any changes to this Section 13 ( (other than a change to the address at which we will receive notices or rejections of future changes to this Disputes section), then you may reject any such change by sending us written notice, within thirty (30) days after the change, to the address set out at the end of these Terms. It is not necessary to send us a rejection of a future change to this Section 13 (if you had properly opted out within the first thirty (30) days after you first accepted these provisions). If you have not properly opted out, then, by rejecting a future change, you are agreeing that you will arbitrate any dispute between us in accordance with the provisions of this Section 13 (as modified by any changes you did not reject). A notification sent pursuant to this paragraph solely affects these Terms; if you previously entered into any other arbitration or dispute resolution agreement with us, or if you hereafter enter into such an agreements with us, then your notification that you are opting out of this Section 13 shall not affect any such other arbitration agreement.

13.5 Severability

If any prohibition in Section 13 against class actions (and other claims brought on behalf of third parties) shall be found to be unenforceable, then all of the preceding provisions in this Section 13 shall be null and void. 

14. Governing Law and Jurisdiction

All matters relating to the Services and these Terms, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of New York without giving effect to any choice or conflict of law provision or rule (whether of the State of New York or any other jurisdiction). Any legal suit, action, or proceeding arising out of or related to these Terms or the Services shall be instituted exclusively in the federal courts of the United States or the courts of the State of New York located in New York County, NY. You waive all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

15. Waiver and Severability

No waiver by Allposit of any term or condition set forth in these Terms shall be deemed (a) a further or continuing waiver of such term or condition, or (b) a waiver of any other term or condition. Any failure of Allposit to assert a right or provision under these Terms shall not constitute a waiver of such right or provision. With the exception of Section 13.5, if any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, then such provision shall be eliminated or limited to the minimum extent needed such that the remaining provisions of these Terms will continue in full force and effect.

16. Your Communications with us 

All Feedback, requests for technical support, and other communications relating to the Services should be directed to support@allposit.com.

17. Entire Agreement

These Terms and our Privacy Policy (a) constitute the sole and entire agreement between you and Allposit regarding the Services, and (b) supersede all prior and contemporaneous understandings, agreements, representations, and warranties (both written and oral) regarding the Services.