Terms of Service

Purpose Investments Holdings ("PIH," "we," "us," or "our") provides algorithmic trade execution technology services only. 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. 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, and other unforeseen events can result in losses. The principal protection commitment, described below, has limitations and exclusions as detailed in your Client Services Agreement.

Setup Fee: A one-time setup fee of 2.5% of the initial deposit is charged at account activation. This fee is non-refundable and covers system configuration, API integration, and onboarding costs.

Profit Share: PIH receives 30% of net realized profits. "Net realized profits" means realized gains from closed positions minus trading fees, commissions, and regulatory fees charged by the brokerage. Unrealized gains (open positions) are not included in profit share calculations until the position is closed.

No Profit, No Fee: PIH does not charge management fees, AUM fees, or subscription fees. PIH only earns revenue when your account realizes net profits.

Brokerage Fees: All brokerage commissions, SEC fees, FINRA fees, and other exchange fees are charged by your brokerage firm and are separate from PIH fees. These fees reduce your account balance and are deducted before profit share calculation.

Tax Responsibility: You are solely responsible for reporting and paying all taxes associated with trading gains, losses, and profit share distributions. PIH will provide Form 1099 or equivalent tax documentation annually.

PIH agrees to restore client account balances to their initial deposit amount ("Protected Principal") in the event that algorithmic trading activity results in realized losses that reduce the account balance below the Protected Principal amount, subject to the following terms and conditions:

1. This commitment applies only to realized trading losses attributable to orders placed by PIH's proprietary AI trading system. It does not cover losses from market-wide events, brokerage fees, margin interest, or losses caused by client interference with the trading system.
2. "Making whole" means PIH will credit your account with funds equal to the difference between the Protected Principal and the current realized account balance. Restoration may occur in installments and is subject to PIH's then-current financial capacity.
3. This commitment is not a guarantee of profit, a deposit insurance product, or a contract of insurance. It is a contractual obligation of PIH as set forth in the Client Services Agreement.
4. PIH reserves the right to suspend or terminate this commitment in the event of market disruption, force majeure, or if PIH determines that you have violated the terms of service.
5. You must submit a written claim within 30 days of loss realization. PIH will evaluate claims and respond within 60 days.

Either party may terminate the service at any time. Upon termination, PIH ceases trading immediately. You are responsible for closing any open positions. Profit share is calculated based on realized profits up to the termination date.

You may terminate by revoking API access through your brokerage platform or by providing written notice to PIH. PIH may terminate by providing written notice and ceasing all trading activity.

Termination does not relieve either party of obligations incurred prior to termination, including payment of profit share due for realized profits during the service 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 fees paid by you to PIH in the twelve (12) months preceding the claim, or the amount of the principal protection commitment, whichever is greater.

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

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. We collect trading data, account balances, and order history solely for the purpose of executing the algorithmic strategy, calculating profit shares, 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 you deposit into 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.