Terms of Service

Appius is a software platform that provides AI research, portfolio review, risk analysis, dividend intelligence, and user-directed controls. The Service allows users to define rules, parameters, and constraints that govern how their connected brokerage accounts operate.

The Service functions through the following mechanisms:

• Market data analysis and portfolio tracking tools
• User-defined allocation rules and risk parameters
• Committee-generated recommendations that require explicit user approval before an order is placed
• Recorded decision reviews and available order information
• Tools to review recommendations, decline proposals, and manage supported orders

Committee-generated trades require your explicit approval. On supported trade-ready connections, approval starts the order process after applicable checks. Read-only connections do not enable in-app trading through that connection. Manual orders are a separate, user-directed workflow.

Appius is a technology platform that provides tools and analytics. Appius does not provide personalized investment advice, financial planning services, or act as a registered investment adviser. Appius does not act as a broker-dealer, does not custody funds or securities, and does not access or store your brokerage login credentials. Any insights or analytics provided are informational only and do not constitute recommendations tailored to your specific financial situation.

You must be at least 18 years old (or 21 in jurisdictions where required) to use the Service.

The Service is intended for use only in jurisdictions where such investment software services are permitted by law. You are solely responsible for ensuring that your use of the Service complies with all applicable laws and regulations in your jurisdiction.

To use supported in-app brokerage actions, you must maintain a valid brokerage account with a supported broker. You are responsible for all requirements, fees, and obligations associated with your brokerage account.

Some brokerage services require identity verification in accordance with applicable Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations. You agree to provide accurate information and complete any verification processes required.

Certain features or investment strategies may be available only to accredited investors as defined under applicable securities laws. If such features are enabled, you represent that you meet the applicable accredited investor criteria.

To access the Service, you must create an account by providing accurate, current, and complete information. You agree to maintain and promptly update your account information.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use or security breach.

Each user may maintain only one account. Creating multiple accounts may result in termination of all accounts.

You agree to provide accurate, truthful, and complete information at all times.

You are solely responsible for configuring your risk parameters, allocation limits, and investment constraints. The Service will operate within these parameters, and you accept full responsibility for the appropriateness of your configuration for your financial situation and goals.

You are responsible for periodically monitoring your account, reviewing executed transactions, and adjusting your configured parameters as needed.

You are responsible for compliance with all applicable laws, including securities laws, tax regulations, and reporting requirements related to your investment activities.

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to manipulate markets or engage in fraudulent activities
• Reverse engineer, decompile, or attempt to extract the source code of our software
• Use the Service to develop competing products
• Share your account credentials with others
• Circumvent any security measures or access controls
• Interfere with or disrupt the Service or servers

The capabilities available to you depend on the product release, your account, and connected brokerage permissions. Your account displays its enabled features, usage limits, and applicable terms.

Any charges or changes to billing must be disclosed in the applicable product or agreement before you accept them. Historical pricing tables do not describe the Phase 2 offer. Brokerage and other third-party fees may apply separately.

Advisor pilot scope, data access, integrations, and commercial terms are agreed separately with each firm. Demonstrations on this site use synthetic households and do not establish a customer relationship or grant trading authority.

INVESTING INVOLVES SUBSTANTIAL RISK OF LOSS. YOU MAY LOSE SOME OR ALL OF YOUR INVESTED CAPITAL. Past performance is not indicative of future results. The value of investments can go down as well as up.

Appius makes no representations or warranties regarding investment performance. We do not guarantee any level of returns, and you should not use the Service with funds you cannot afford to lose.

Financial markets are inherently volatile and unpredictable. Market conditions can change rapidly due to economic events, geopolitical developments, natural disasters, pandemics, or other factors beyond our control.

The Service uses technology to execute according to your configured rules. Such systems may:

• Execute based on incomplete or incorrect data
• Fail to account for unprecedented market events
• Exhibit unexpected behavior in novel situations
• Be subject to technical errors or malfunctions
• Produce results that differ from your expectations despite configured parameters

The Service relies on complex technology that may experience failures, delays, errors, or interruptions that could adversely affect investment decisions or execution.

The Service integrates with third-party brokerages, data providers, and other services. We are not responsible for failures, errors, or issues with third-party services.

You retain full control over all trading settings and configurations. You define the rules, parameters, and constraints that govern how the Service operates with your connected brokerage account.

A committee-generated trade requires explicit approval before order submission on a supported connection. Approval does not guarantee acceptance, execution, or a fill. Broker permissions and market conditions apply. Manual orders follow their own user-directed confirmation flow.

The committee approval path checks applicable Plan constraints against account context. These checks do not apply identically to separate manual-order workflows. Market conditions, execution timing, and liquidity may result in outcomes that differ from expectations.

Once a trade is executed through your brokerage account, it generally cannot be reversed. You accept full responsibility for all trades executed pursuant to your configured settings.

The Service, including all software, algorithms, interfaces, content, and documentation, is owned by Appius and protected by intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use the Service as permitted by these Terms.

You grant Appius a worldwide, non-exclusive, royalty-free license to use, process, and analyze your data to provide the Service and improve our software. See our Privacy Policy for details on data handling.

Any use of information for service improvement is subject to the Privacy Policy and applicable permissions. This clause does not establish that a particular learning system is deployed or that model or investment performance will improve.

Any feedback, suggestions, or ideas you provide regarding the Service become our property and may be used without compensation or attribution.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, APPIUS SHALL NOT BE LIABLE FOR ANY INVESTMENT LOSSES, TRADING LOSSES, OR DIMINUTION IN VALUE OF YOUR PORTFOLIO, REGARDLESS OF THE CAUSE.

In no event shall Appius be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to:

• Lost profits or anticipated savings
• Loss of data or business interruption
• Investment losses or missed opportunities
• Costs of substitute services
• Any other intangible losses

Our total aggregate liability for all claims arising from or related to these Terms or the Service shall not exceed the total fees you paid to us in the twelve (12) months preceding the claim.

You acknowledge that the limitations in this section are essential elements of the agreement between us and that we would not provide the Service without these limitations.

You may terminate your account at any time through your account settings or by contacting us. You should disable execution features and disconnect any brokerage accounts before terminating.

We may suspend or terminate your account immediately if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Provide false information
• Fail to pay applicable fees
• Pose a risk to the Service or other users

Upon termination, your right to use the Service ceases immediately. We may retain your data as required by law or for legitimate business purposes. Pending trades may be completed or cancelled according to brokerage policies.

Provisions regarding intellectual property, limitation of liability, indemnification, dispute resolution, and any other provisions that by their nature should survive, will survive termination.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.

ANY DISPUTE ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICE SHALL BE RESOLVED BY BINDING ARBITRATION administered by JAMS under its Comprehensive Arbitration Rules. The arbitration shall be conducted in Wilmington, Delaware.

YOU AGREE TO RESOLVE DISPUTES ONLY ON AN INDIVIDUAL BASIS AND WAIVE THE RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, OR REPRESENTATIVE ACTIONS.

Either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual property rights or prevent irreparable harm.

These Terms, together with the Privacy Policy and any other documents incorporated by reference, constitute the entire agreement between you and Appius.

If any provision is found unenforceable, the remaining provisions will continue in full force.

Our failure to enforce any right does not waive that right.

You may not assign these Terms without our consent. We may assign these Terms without restriction.

We are not liable for failures caused by circumstances beyond our reasonable control, including natural disasters, war, terrorism, pandemics, or infrastructure failures.