Terms of Service

Purpose Investments Holdings ("PIH," "we," "us," or "our") provides algorithmic trade execution technology services on a subscription basis. We do not provide investment advice, financial planning, fiduciary services, or broker-dealer services.

The PIH Proprietary AI Stock Trading Tool is a software service that executes trades algorithmically within your personal brokerage account based on proprietary algorithms and market data analysis. All trading decisions are executed algorithmically without human investment adviser consultation.

By accessing or using our services, you acknowledge that you understand the nature of the service and agree to be bound by these Terms of Service.

You retain sole ownership of your brokerage account at all times. PIH has no ownership interest in your account, your securities, or your funds.

PIH receives trade-only API access to your brokerage account via OAuth authentication. This means we can place, modify, and cancel trade orders only. We expressly cannot:

• Deposit funds into your account
• Withdraw funds from your account
• Transfer assets to or from your account
• Change your account settings or credentials
• Access your personal identification information

You may revoke API access at any time through your brokerage platform, which will immediately terminate our ability to execute trades on your behalf.

You acknowledge and understand that investing involves risk, including the possible loss of principal. Past performance is not indicative of future results.

The PIH Proprietary AI Stock Trading Tool uses algorithmic strategies that may result in significant losses. There is no guarantee of profit or capital preservation. You should not invest money you cannot afford to lose.

You acknowledge that market volatility, technical failures, algorithmic errors, and other unforeseen events can result in losses. PIH does not guarantee against losses and does not offer principal protection. You bear 100% of all trading losses in your account.

PIH offers three subscription tiers with monthly and annual billing options:

• Starter: $99.00 per month, or $948 per year (20% annual discount).
• Professional: $249.00 per month, or $2,388 per year (20% annual discount).
• Enterprise: $499.00 per month, or $4,788 per year (20% annual discount).

No Setup Fees: PIH does not charge setup fees, onboarding fees, or any one-time activation charges. There are no minimum balance requirements to use any subscription tier.

Billing Cycle: Subscription fees are billed in advance on a recurring basis. Monthly plans are billed each calendar month on the date of original subscription. Annual plans are billed once per year on the anniversary date of subscription.

Auto-Renewal: Your subscription automatically renews at the end of each billing cycle unless you cancel before the renewal date. By subscribing, you authorize PIH to charge your payment method on file for each renewal period until cancellation.

Cancellation: You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. You will retain access to the service through the end of the period for which you have already paid. No further charges will occur after cancellation.

Refund Policy: Monthly subscriptions are non-refundable, but cancellation prevents future billing. Annual subscriptions are non-refundable; however, you will retain full access to the service through the end of your annual billing period. Prorated or partial refunds are not issued for unused time on annual plans.

Plan Changes: You may upgrade or downgrade your subscription tier at any time. Upgrades take effect immediately and you will be charged the prorated difference for the current billing period. Downgrades take effect at the start of the next billing period.

Brokerage Fees: All brokerage commissions, SEC fees, FINRA fees, and other exchange fees are charged by your brokerage firm and are separate from PIH subscription fees. These fees are deducted by your brokerage and are not included in your subscription.

Tax Responsibility: You are solely responsible for reporting and paying all taxes associated with trading gains, losses, and subscription payments. PIH will provide Form 1099 or equivalent tax documentation annually where required by law.

PIH does NOT offer principal protection, capital preservation, or any form of loss reimbursement. There is no "protected principal" amount, no loss restoration commitment, and no obligation for PIH to make your account whole under any circumstances.

You bear 100% of all trading losses in your account. The subscription fee paid to PIH is for access to the algorithmic trading software and does not constitute payment for any guarantee, insurance, or loss protection.

PIH is not an insurance company, does not hold reserves for loss reimbursement, and has no contractual obligation to restore account balances. Any reference to capital preservation or loss recovery in any historical or marketing material is expressly superseded by this section.

You agree to use the PIH service only for lawful purposes and in accordance with these Terms of Service. You agree not to:

• Use the service for any illegal activity, including money laundering, terrorist financing, or sanctions evasion.
• Attempt to reverse engineer, decompile, or otherwise extract PIH's proprietary algorithms or source code.
• Share, resell, or sublicense your subscription access to any third party.
• Manipulate the API connection to bypass intended trade-only restrictions.
• Use the service while acting as a Politically Exposed Person (PEP) or while subject to any sanctions or trade restrictions.
• Interfere with or disrupt the service, including attempting to overload, crash, or disable any PIH system.

Violation of these acceptable use terms may result in immediate suspension of your account without refund.

Either party may terminate the service at any time. You may cancel your subscription through your account settings or by providing written notice to PIH. PIH may terminate or suspend your access for violation of these Terms of Service or for operational reasons with reasonable notice.

Upon termination, PIH ceases trading immediately. You are responsible for closing any open positions. API credentials are revoked and deleted within 30 days of termination.

Termination does not entitle you to a refund of subscription fees already paid, except as expressly provided in the Refund Policy section. You will retain access through the end of your current billing period.

Any dispute arising out of or relating to these Terms of Service or the service shall be resolved through binding arbitration administered by JAMS or AAA. The arbitration shall be conducted in English and the arbitrator's decision shall be final and binding.

You agree to waive any right to participate in class action lawsuits or class-wide arbitration. You retain the right to file complaints with regulatory agencies.

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

To the maximum extent permitted by applicable law, PIH's total liability to you for any claim arising out of or relating to these Terms of Service or the service shall not exceed the total amount of subscription fees paid by you to PIH in the twelve (12) months preceding the claim.

PIH shall not be liable for any trading losses, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of capital, data loss, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the service.

You acknowledge that PIH is a software provider and not an investment adviser, broker-dealer, or fiduciary. PIH is not liable for investment decisions made by its algorithmic system, and you bear all risk of trading losses.

This limitation does not apply to claims of gross negligence or willful misconduct by PIH.

PIH's access to your account is limited to trade-only API permissions via OAuth authentication. We collect trading data, account balances, and order history solely for the purpose of executing the algorithmic strategy, monitoring system performance, and fulfilling regulatory reporting obligations.

API credentials are encrypted at rest (AES-256) and in transit (TLS 1.3). Access is restricted to automated systems and authorized engineering personnel with multi-factor authentication. API keys are never logged in plaintext.

Upon termination, PIH will delete API credentials within 30 days and cease all data collection. Trading records are retained for 7 years per SEC Rule 17a-4 / FINRA requirements.

By using our services, you represent and warrant that:

• You are of legal age and have the authority to enter into these Terms of Service and grant API access to your brokerage account.
• You understand the risks associated with algorithmic trading and are not relying on PIH for investment advice.
• The funds in your brokerage account are legally obtained and you have the right to use them for trading purposes.
• You have consulted with your own legal, tax, and financial advisers before using this service.
• You are not a Politically Exposed Person (PEP) and are not subject to any sanctions or trade restrictions.
• You understand that PIH does not guarantee against losses and that you bear all trading risk.