Terms of Service & Privacy Policy

3. USER REPRESENTATIONS

By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Legal Terms; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (6) you will not use the Services for any illegal or unauthorized purpose; and (7) your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

4. USER REGISTRATION

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

5. PURCHASES AND PAYMENT

We accept the following forms of payment:

• Visa
• Mastercard
• American Express

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in US dollars.

You agree to pay all charges at the prices then in effect for your purchases, and you authorize us to charge your chosen payment provider for any such amounts upon placing your order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment.

All payments are processed by our third-party payment processor, Stripe. We do not store full payment card numbers on our systems. Your provision of payment information is also subject to Stripe's terms and privacy policy.

We reserve the right to refuse any order placed through the Services. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. These restrictions may include orders placed by or under the same customer account, the same payment method, and/or orders that use the same billing address. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers, or distributors.

6. SUBSCRIPTIONS

Billing and Renewal

Your subscription will continue and automatically renew unless canceled. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order. The length of your billing cycle will depend on the type of subscription plan you choose when you subscribed to the Services.

Consumer Free Trial

We may offer a 7-day free trial to new consumer users who register with the Services and who have not previously started a trial or held a subscription. A payment method is required to start the trial, and the account will be charged according to the user's chosen subscription at the end of the free trial unless canceled beforehand. Free trials are limited to one per person; we reserve the right to determine trial eligibility, and to decline or revoke a trial, in our sole discretion, including to prevent fraud or abuse (for example, attempts to obtain multiple trials using different accounts or payment methods).

Advisor Subscriptions and Seat-Based Billing

Subscriptions to the Fiscor for Advisors platform are billed on a per-seat basis for the applicable organization. The organization's subscription quantity may adjust automatically as team members are added to or removed from the organization, and the organization authorizes us (and our payment processor) to charge the payment method on file for the resulting prorated or recurring amounts. We may offer a one-time free trial to organizations that have not previously subscribed; a payment method is required to start the trial, and the subscription will convert to a paid subscription at the end of the trial unless canceled beforehand. The individual who subscribes on behalf of an organization represents and warrants that they have authority to bind that organization to these Legal Terms and to authorize charges to the organization's payment method.

Cancellation

You can cancel your subscription at any time by logging into your account and managing your subscription through the billing portal. Your cancellation will take effect at the end of the current paid term. Except where required by applicable law, payments are nonrefundable, and no refunds or credits are provided for partial billing periods or unused Services. If you have any questions or are unsatisfied with our Services, please email us at support@myfiscor.com.

Fee Changes

We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law.

7. ADVISOR ACCOUNTS AND PROFESSIONAL USE

The Fiscor for Advisors platform is made available to financial professionals and their firms (each, an "Advisor") as a software tool for building, managing, and presenting financial plans, projections, scenarios, and reports for their clients. If you register for or use the Services as an Advisor, or as a team member of an Advisor organization, the following additional terms apply to you and to the organization on whose behalf you act:

• Fiscor is a technology provider only. We are not a registered investment adviser, broker-dealer, accountant, or law firm; we do not provide financial, investment, legal, tax, or compliance advice; and we are not a party to, and assume no responsibility for, any advisory or other professional relationship between you and your clients.
• You represent and warrant that you hold, and will maintain for as long as you use the Services, all licenses, registrations, and regulatory approvals required for your professional activities in each jurisdiction where you operate, and that your use of the Services complies with all laws, rules, and regulations applicable to you, including, where applicable, securities laws, fiduciary obligations, recordkeeping requirements, advertising and communications rules, and privacy and data protection laws.
• You are solely responsible for all advice, recommendations, plans, reports, and other communications you provide to your clients, including any content prepared with the assistance of the Services (such as projections, simulations, or AI-assisted drafts). You must independently review, verify, and approve all such content before delivering it to any client.
• You represent and warrant that, for any information about a client or prospective client you enter into or make available through the Services, you have obtained all consents and authorizations, and provided all notices, required under applicable law and under your own agreements and privacy commitments to that client.
• Where the Services allow you to apply your firm's branding (such as your firm name, logo, colors, contact information, and disclaimers) to client-facing portals and reports, you represent and warrant that you have all rights necessary to use that branding and that it is not misleading. White-label branding does not change the fact that the underlying software is provided by Fiscor under these Legal Terms.
• If you invite team members to your organization, you are responsible for their acts and omissions in connection with the Services, for managing their access, and for promptly removing access for individuals who leave your organization. The owner of an organization account is responsible for the organization's subscription, billing, and administration.
• You agree to defend, indemnify, and hold us harmless from and against any claim by your client or any third party arising out of or relating to your professional services, your advice or communications to clients, your use of client information, or your breach of this section.

8. CLIENT PORTALS AND ADVISOR-CLIENT RELATIONSHIPS

Advisors may invite their clients to access a client portal provided through the Services (each such invited user, a "Client"). If you register for or use the Services as a Client of an Advisor, the following additional terms apply to you:

• Your access to the client portal is sponsored and administered by your Advisor's organization. Your Advisor controls which features of the portal are available to you and may modify, suspend, or terminate your access at any time. Fiscor may also suspend or terminate portal access if the Advisor's subscription lapses or is terminated.
• By accepting your Advisor's invitation and using the client portal, you acknowledge and agree that information in your portal — including financial information you enter, information your Advisor enters on your behalf, and, if you choose to link financial accounts, information retrieved from your linked accounts — will be accessible to your Advisor's organization, and that your Advisor may view, add to, and edit the financial plan data associated with your portal.
• Fiscor is not a party to your relationship with your Advisor. Your Advisor — not Fiscor — is solely responsible for any advice, recommendations, plans, or reports provided to you, for the accuracy of information your Advisor enters about you, and for its own legal, regulatory, and privacy obligations to you. Any disputes concerning advisory services must be resolved between you and your Advisor.
• The client portal may be presented under your Advisor's firm branding. Regardless of branding, the underlying software is provided by Fiscor Inc. and your use of it is governed by these Legal Terms and our Privacy Policy.
• If you wish to end your Advisor's access to your portal information, contact your Advisor or contact us at support@myfiscor.com, and we will process the request in accordance with applicable law and the operational capabilities of the Services.

9. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:

• Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
• Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
• Use any information obtained from the Services in order to harass, abuse, or harm another person.
• Make improper use of our support services or submit false reports of abuse or misconduct.
• Use the Services in a manner inconsistent with any applicable laws or regulations.
• Engage in unauthorized framing of or linking to the Services.
• Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party's uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
• Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
• Delete the copyright or other proprietary rights notice from any Content.
• Attempt to impersonate another user or person or use the username of another user.
• Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms").
• Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
• Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
• Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
• Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
• Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
• Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software.
• Use a buying agent or purchasing agent to make purchases on the Services.
• Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
• Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.
• Use the Services to advertise or offer to sell goods and services.
• Sell or otherwise transfer your profile.

10. USER GENERATED CONTRIBUTIONS

The Services does not offer users to submit or post content. We may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated in accordance with the Services' Privacy Policy. When you create or make available any Contributions, you thereby represent and warrant that:

• The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
• You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Services, and other users of the Services to use your Contributions in any manner contemplated by the Services and these Legal Terms.
• You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Services and these Legal Terms.
• Your Contributions are not false, inaccurate, or misleading.
• Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
• Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).
• Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
• Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
• Your Contributions do not violate any applicable law, regulation, or rule.
• Your Contributions do not violate the privacy or publicity rights of any third party.
• Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.
• Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.
• Your Contributions do not otherwise violate, or link to material that violates, any provision of these Legal Terms, or any applicable law or regulation.

Any use of the Services in violation of the foregoing violates these Legal Terms and may result in, among other things, termination or suspension of your rights to use the Services.

11. CONTRIBUTION LICENSE

You and Services agree that we may access, store, process, and use any information and personal data that you provide following the terms of the Privacy Policy and your choices (including settings).

By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.

We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Services. You are solely responsible for your Contributions to the Services and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

12. THIRD-PARTY WEBSITES AND CONTENT

The Services may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

13. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

14. PRIVACY POLICY

We care about data privacy and security. Please review our Privacy Policy, set out below on this page at www.myfiscor.com/terms-and-privacy-policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.

15. TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

16. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

17. GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to be entirely performed within the State of Delaware, without regard to its conflict of law principles.

18. DISPUTE RESOLUTION

Informal Negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

Binding Arbitration

If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA's Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at the American Arbitration Association (AAA) website. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in New Castle County, Delaware. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in New Castle County, Delaware, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Legal Terms.

In no event shall any Dispute brought by either Party related in any way to the Services be commenced more than one (1) year after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

Restrictions

The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

Exceptions to Informal Negotiations and Arbitration

The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

19. CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

20. DISCLAIMER

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

21. LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

22. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

23. USER DATA

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

24. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

25. CALIFORNIA USERS AND RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

26. MISCELLANEOUS

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

27. USE OF PLAID AND THIRD-PARTY FINANCIAL SERVICES

The Service may allow you to link financial accounts through third-party service providers, including Plaid Inc. ("Plaid"). By using these features, you authorize Fiscor to access, receive, and process financial information made available by Plaid in accordance with your permissions and applicable law. Fiscor does not collect or store your financial institution login credentials and is not responsible for the accuracy, availability, or completeness of data provided by Plaid or your financial institutions. You acknowledge that Plaid and your financial institutions operate independently from Fiscor and that Fiscor shall not be liable for any errors, interruptions, delays, data inaccuracies, or service failures arising from or related to Plaid or any third-party financial service. Your use of Plaid is subject to Plaid's own terms and privacy policies.

28. BROKERAGE SERVICES

The Services may allow eligible users to open a brokerage account and place orders for securities. Securities brokerage services are offered through Alpaca Securities LLC ("Alpaca"), member FINRA/SIPC, and are not provided by Fiscor. Fiscor is not a registered broker-dealer and is not a member of FINRA or SIPC. Brokerage accounts are held at and serviced by Alpaca, and your use of brokerage features is subject to separate account agreements and disclosures between you and Alpaca that you accept when opening a brokerage account.

In connection with brokerage account opening, you will be asked to provide identity and regulatory information (which may include your name, date of birth, Social Security number, address, phone number, and required regulatory disclosures), which is transmitted to Alpaca for account opening, identity verification, and regulatory compliance purposes. A record of your acceptance of the required agreements, including your IP address and a timestamp, is retained as required by applicable recordkeeping rules.

Investing in securities involves risk, including the possible loss of principal. Past performance does not guarantee future results. Fiscor does not recommend any particular security, portfolio, transaction, or investment strategy, and nothing in the Services constitutes a recommendation or solicitation to buy or sell any security. You are solely responsible for your investment decisions. Fiscor shall not be liable for any errors, interruptions, delays, execution failures, or other issues arising from or related to Alpaca or any brokerage service.

29. AI-GENERATED OUTPUTS AND USER RESPONSIBILITY

The Service may include features powered by artificial intelligence or machine learning technologies ("AI Features") that generate insights, predictions, recommendations, or other outputs based on data inputs. You acknowledge that AI-generated outputs are inherently probabilistic, may contain inaccuracies, omissions, or unintended results, and are provided for informational purposes only. You agree that you are solely responsible for evaluating, validating, and verifying any AI-generated outputs before relying on them for any purpose. Fiscor makes no representations or warranties regarding the accuracy, reliability, or suitability of AI-generated outputs and shall not be liable for any decisions, actions, or losses arising from your use of or reliance on such outputs. Your use of AI Features is at your own risk, and you remain fully responsible for any outcomes resulting from actions you take based on AI-generated information.

If you are an Advisor, AI Features made available to you (including AI-assisted drafting of client reports and plan narratives) are drafting aids only. You must independently review, verify, and approve any AI-assisted content before providing it to a client, and you remain solely responsible for that content and for its compliance with the laws, rules, and professional standards applicable to you.

30. NO FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE

Fiscor is provided solely for educational and informational purposes. The Service is not intended to provide, and does not constitute, financial, investment, legal, tax, or other professional advice. Any information, insights, analyses, projections, simulations (including Monte Carlo simulations), scores, or outputs made available through the Service are general in nature, are based on assumptions and the data you or your Advisor provide, are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future outcomes. They may not be appropriate for your individual circumstances. You acknowledge and agree that Fiscor does not act as a fiduciary, advisor, or agent, and that you should not rely on the Service as a substitute for professional judgment or advice from qualified professionals.

You agree not to rely on Fiscor as the sole basis for making significant financial, investment, legal, or tax decisions. Fiscor provides informational and analytical tools only and does not provide personalized financial, investment, legal, or tax advice. Any decisions you make based on information or insights obtained through the Service are made at your own discretion and risk, and Fiscor shall not be responsible or liable for any losses, damages, or adverse outcomes resulting from such decisions. If you access the Service as a Client of an Advisor, any advice you receive is provided by your Advisor — not by Fiscor — and your Advisor is solely responsible for it.

31. CONTACT US

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

SUMMARY OF KEY POINTS

This summary provides key points from our Privacy Notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.

TABLE OF CONTENTS

1. WHAT INFORMATION DO WE COLLECT?
2. HOW DO WE PROCESS YOUR INFORMATION?
3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
4. HOW IS INFORMATION HANDLED FOR ADVISORS AND THEIR CLIENTS?
5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
6. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?
7. HOW LONG DO WE KEEP YOUR INFORMATION?
8. HOW DO WE KEEP YOUR INFORMATION SAFE?
9. DO WE COLLECT INFORMATION FROM MINORS?
10. WHAT ARE YOUR PRIVACY RIGHTS?
11. CONTROLS FOR DO-NOT-TRACK FEATURES
12. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
13. USE OF PLAID FOR FINANCIAL ACCOUNT LINKING
14. BROKERAGE ACCOUNTS (ALPACA)
15. DO WE MAKE UPDATES TO THIS NOTICE?
16. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
17. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In Short: We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

• names
• email addresses
• passwords
• dates of birth and ages
• marital status and state of residence
• information about your spouse or partner that you choose to provide (such as their name, age, and retirement assumptions)
• financial planning information you enter, such as income sources, assets, liabilities, expenses, retirement goals and assumptions, and scenario or life-plan inputs
• messages and content you submit through the Services, such as AI Guide conversations, support tickets, and feedback
• documents you choose to upload for analysis, such as account statements
• if you are an advisor, information about you and your firm, such as your name, work email, firm name, branding, and support contact details
• contact preferences
• contact or authentication data

Sensitive Information. When necessary, with your consent or as otherwise permitted by applicable law, we process the following categories of sensitive information:

• financial data (including account balances, holdings, transactions, and liabilities for accounts you choose to link)
• government identifiers (a Social Security number, collected only if you choose to open a brokerage account, and transmitted to our brokerage partner for account opening and identity verification)
• date of birth

Payment Data. We may collect data necessary to process your payment if you choose to make purchases, such as your payment instrument number, and the security code associated with your payment instrument. All payment data is handled and stored by Stripe. You may find their privacy notice link(s) here: stripe.com/privacy. We store only limited billing references (such as your Stripe customer and subscription identifiers and subscription status) on our systems — never your full card number.

Social Logins. If you choose to register or log in using your Google account, we receive certain profile information about you from Google, such as your name and email address. We use this information only for the purposes described in this Privacy Notice.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Information automatically collected

In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies.

The information we collect includes:

• Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called "crash dumps"), and hardware settings).

Information collected from other sources

In Short: We may collect limited data about you from third parties, including your financial institutions (when you link accounts), our payment and brokerage partners, Google (when you sign in with Google), and — if you are the client of a financial advisor — your advisor.

We may obtain information about you from the following sources:

• Financial institutions, via Plaid: if you choose to link financial accounts, we receive account information made available by your financial institution through Plaid, such as institution and account names, account types, balances, holdings, and liability details. See "USE OF PLAID FOR FINANCIAL ACCOUNT LINKING" below.
• Stripe: our payment processor provides us with information about your subscription and payment status.
• Alpaca Securities LLC: if you open a brokerage account, we receive information about your brokerage account status, positions, and orders. See "BROKERAGE ACCOUNTS (ALPACA)" below.
• Google: if you sign in with Google, we receive basic profile information as described above.
• Your financial advisor: if a financial advisor or firm that uses the Fiscor for Advisors platform invites you to a client portal, your advisor may provide us with information about you — such as your name, email address, and financial planning information the advisor enters on your behalf. See "HOW IS INFORMATION HANDLED FOR ADVISORS AND THEIR CLIENTS?" below.

2. HOW DO WE PROCESS YOUR INFORMATION?

In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

• To facilitate account creation and authentication and otherwise manage user accounts. We may process your information so you can create and log in to your account, as well as keep your account in working order.
• To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service, including generating financial projections, simulations (such as Monte Carlo simulations), scores, insights, scenarios, reports, and AI-assisted outputs based on the financial information associated with your account.
• To enable advisor-client collaboration. If you use a client portal sponsored by a financial advisor, we process your information to make it available to your advisor's organization and to support the planning features your advisor has enabled for you. If you are an advisor, we process the information you enter to provide the plan-building, reporting, and client-management features of the platform.
• To process your payments and manage subscriptions. We may process your information (through our payment processor, Stripe) to manage billing, subscriptions, trials, and seat quantities.
• To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
• To send administrative information to you. We may process your information to send you details about our products and services, changes to our terms and policies, and other similar information.
• To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our Services.
• To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time. For more information, see "WHAT ARE YOUR PRIVACY RIGHTS?" below.
• To protect our Services. We may process your information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention (for example, detecting attempts to obtain multiple free trials).
• To comply with legal obligations. We may process your information to comply with applicable laws and regulations, including recordkeeping obligations that apply to brokerage-related records, and to respond to lawful requests from public authorities.
• To evaluate and improve our Services, products, marketing, and your experience. We may process your information when we believe it is necessary to identify usage trends, determine the effectiveness of our promotional campaigns, and to evaluate and improve our Services, products, marketing, and your experience.
• To identify usage trends. We may process information about how you use our Services to better understand how they are being used so we can improve them.

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

In Short: We share information with the service providers we use to operate the platform, with your financial advisor's organization if you use an advisor-sponsored client portal, and in the other specific situations described in this section. We do not sell your personal information.

Vendors, Consultants, and Other Third-Party Service Providers. We may share your data with third-party vendors, service providers, contractors, or agents ("third parties") who perform services for us or on our behalf and require access to such information to do that work. We have contracts in place with our third parties, which are designed to help safeguard your personal information. The categories of third parties we may share personal information with, and the providers we currently use, are as follows:

• Cloud infrastructure, hosting, and database services: Supabase (authentication and database hosting) and Vercel (application hosting).
• Payment processing: Stripe.
• Financial account aggregation: Plaid (only if you choose to link financial accounts).
• Brokerage services: Alpaca Securities LLC (only if you choose to open a brokerage account).
• Artificial intelligence service providers: Anthropic and OpenAI (to power AI features, as described in "DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?" below), and a web search provider (Tavily) when an AI feature performs a web search on your behalf.
• Analytics and advertising measurement services: Google (Google tag and Google Ads conversion measurement) and Vercel Analytics.
• Communication and email delivery services, used to send transactional and, where permitted, marketing emails.

We may also need to share your personal information in the following situations:

• Your Financial Advisor. If you use a client portal sponsored by a financial advisor or firm, the information associated with your portal — including information you enter, information your advisor enters, and information from accounts you choose to link — is shared with that advisor's organization, as described in "HOW IS INFORMATION HANDLED FOR ADVISORS AND THEIR CLIENTS?" below.
• Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
• Legal Obligations and Protection of Rights. We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, or where necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, or situations involving potential threats to the safety of any person.

4. HOW IS INFORMATION HANDLED FOR ADVISORS AND THEIR CLIENTS?

In Short: If you use a client portal sponsored by a financial advisor, your advisor's organization can access the information in your portal. Your advisor is independently responsible for its own privacy practices.

The Fiscor for Advisors platform allows financial advisors and their firms to build and manage financial plans for their clients and to offer their clients a branded client portal. If you access the Services as the client of such a firm:

• Information associated with your client portal — including your profile information, financial planning information you enter, information your advisor enters on your behalf, and, if you choose to link financial accounts, information retrieved from those accounts — is accessible to your advisor's organization, including its authorized team members. Your advisor may also view, add to, and edit the financial plan data associated with your portal.
• Your advisor controls which portal features are enabled for you (for example, projections, reports, account linking, or AI features) and may generate reports and documents that include your information.
• Your advisor and their firm are independent of Fiscor. They are separately responsible for how they collect, use, and disclose your information, for their own privacy notices and legal obligations to you, and for any advice they provide. Please contact your advisor directly for information about their privacy practices.
• Fiscor processes the information in advisor and client portal accounts to provide the platform to the advisor's organization and its clients, consistent with this Privacy Notice and our agreements.

If you are an advisor, you are responsible for ensuring that you have all rights, consents, and lawful bases required to enter your clients' information into the platform and to share it with us for processing, and for handling your clients' information in accordance with the laws and professional obligations applicable to you.

5. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

In Short: We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to gather information when you interact with our Services. Some online tracking technologies help us maintain the security of our Services and your account, prevent crashes, fix bugs, save your preferences, and assist with basic site functions. The essential cookies we use include authentication and session cookies (which keep you signed in) and, where applicable, short-lived security cookies used during login verification.

We also permit third parties and service providers to use online tracking technologies on our Services for analytics and advertising measurement, including Google (Google tag and Google Ads conversion measurement, used on our public marketing pages to measure the effectiveness of our advertising) and Vercel Analytics and Speed Insights (used to understand aggregate usage and site performance).

To the extent these online tracking technologies are deemed to be a "sale"/"sharing" (which includes targeted advertising, as defined under the applicable laws) under applicable US state laws, you can opt out of these online tracking technologies by submitting a request as described below under section "DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?"

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject cookies. If you choose to remove or reject cookies, this could affect certain features of our Services — in particular, essential authentication cookies are required to sign in.

Google Analytics and Advertising Measurement

We may share your information with Google to track and analyze the use of the Services and to measure advertising conversions. To opt out of being tracked by Google Analytics across the Services, visit https://tools.google.com/dlpage/gaoptout. You can opt out of Google's advertising features through Google's Ads Settings. Other opt out means include http://optout.networkadvertising.org/ and http://www.networkadvertising.org/mobile-choice. For more information on the privacy practices of Google, please visit the Google Privacy & Terms page.

6. DO WE OFFER ARTIFICIAL INTELLIGENCE-BASED PRODUCTS?

In Short: We offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies.

As part of our Services, we offer products, features, or tools powered by artificial intelligence, machine learning, or similar technologies (collectively, "AI Products"). These tools are designed to enhance your experience and provide you with innovative solutions. The terms in this Privacy Notice govern your use of the AI Products within our Services.

Use of AI Technologies

We provide the AI Products through third-party service providers ("AI Service Providers"), including Anthropic and OpenAI. When you use an AI feature, relevant inputs — which may include your questions, uploaded documents, and financial planning information associated with your account (such as your profile, income, assets, liabilities, expenses, and projections) — are shared with and processed by these AI Service Providers to generate the requested output, for the purposes outlined in "WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?" Where an AI feature performs a web search on your behalf, the search query is processed by a web search provider (Tavily). You must not use the AI Products in any way that violates the terms or policies of any AI Service Provider.

Our AI Products

Our AI Products are designed for the following functions:

• AI-guided conversations and financial questions (the AI Guide)
• AI insights and explanations for projections and simulations
• Scenario and life-plan assistance
• Analysis of documents you choose to upload (such as account statements)
• Portfolio and holdings analysis
• For advisors, AI-assisted drafting of client report content (which the advisor must review and approve)

How We Process Your Data Using AI

All personal information processed using our AI Products is handled in line with our Privacy Notice and our agreements with these third parties. AI conversations you have within the Services may be stored in your account so you can return to them. AI-generated outputs are informational only and are not financial, investment, legal, or tax advice.

7. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, securities recordkeeping, or other legal requirements). For example, records relating to brokerage account agreements (including the IP address and timestamp of your acceptance) are retained for the periods required by applicable securities recordkeeping rules. Subject to such requirements, no purpose in this notice will require us keeping your personal information for longer than the period of time in which users have an account with us.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

8. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

9. DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly collect, solicit data from, or market to children under 18 years of age, nor do we knowingly sell such personal information. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent's use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at support@myfiscor.com.

10. WHAT ARE YOUR PRIVACY RIGHTS?

In Short: You may review, change, or terminate your account at any time, depending on your country, province, or state of residence.

Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below.

However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.

Opting out of marketing and promotional communications: You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, or by contacting us using the details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.

Account Information

If you would at any time like to review or change the information in your account or terminate your account, you can:

• Log in to your account settings and update your user account. Consumer users can delete their account directly from their profile settings; advisor users can delete their account from their account settings page.
• Contact us using the contact information provided.
• If you use a client portal sponsored by a financial advisor, you may also contact your advisor, who administers your portal access.

Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms and/or comply with applicable legal requirements (including securities recordkeeping requirements for brokerage-related records).

Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services.

If you have questions or comments about your privacy rights, you may email us at support@myfiscor.com.

11. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Notice.

California law requires us to let you know how we respond to web browser DNT signals. Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not respond to them at this time.

12. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, or Virginia, you may have the right to request access to and receive details about the personal information we maintain about you and how we have processed it, correct inaccuracies, get a copy of, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. More information is provided below.

Categories of Personal Information We Collect

The table below shows the categories of personal information we have collected in the past twelve (12) months. The table includes illustrative examples of each category and does not reflect the personal information we collect from you. For a comprehensive inventory of all personal information we process, please refer to the section "WHAT INFORMATION DO WE COLLECT?"

We only collect sensitive personal information, as defined by applicable privacy laws or the purposes allowed by law or with your consent. Sensitive personal information may be used, or disclosed to a service provider or contractor, for additional, specified purposes. You may have the right to limit the use or disclosure of your sensitive personal information. We do not collect or process sensitive personal information for the purpose of inferring characteristics about you.

We may also collect other personal information outside of these categories through instances where you interact with us in person, online, or by phone or mail in the context of:

• Receiving help through our customer support channels;
• Participation in customer surveys or contests; and
• Facilitation in the delivery of our Services and to respond to your inquiries.

We will use and retain the collected personal information as needed to provide the Services or for:

• Category A - As long as the user has an account with us
• Category B - As long as the user has an account with us
• Category C - As long as the user has an account with us
• Category D - As long as the user has an account with us
• Category F - As long as the user has an account with us
• Category K - As long as the user has an account with us
• Category L - As long as the user has an account with us, or longer where required by applicable recordkeeping laws (for example, brokerage-related records)

Sources of Personal Information

Learn more about the sources of personal information we collect in "WHAT INFORMATION DO WE COLLECT?"

How We Use and Share Personal Information

Learn more about how we use your personal information in the section, "HOW DO WE PROCESS YOUR INFORMATION?"

Will your information be shared with anyone else?

We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Learn more about how we disclose personal information to in the section, "WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?"

We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be "selling" of your personal information.

In the preceding twelve (12) months, we have disclosed personal information to our service providers for business purposes, as described in "WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?" We have not sold personal information, and we do not sell personal information belonging to website visitors, users, and other consumers. To the extent our use of advertising and analytics cookies is considered "sharing" for cross-context behavioral advertising under applicable US state laws, you may opt out as described in "DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?" and by contacting us as described below.

Your Rights

You have rights under certain US state data protection laws. However, these rights are not absolute, and in certain cases, we may decline your request as permitted by law. These rights include:

• Right to know whether or not we are processing your personal data
• Right to access your personal data
• Right to correct inaccuracies in your personal data
• Right to request the deletion of your personal data
• Right to obtain a copy of the personal data you previously shared with us
• Right to non-discrimination for exercising your rights
• Right to opt out of the processing of your personal data if it is used for targeted advertising (or sharing as defined under California's privacy law), the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects ("profiling")

Depending upon the state where you live, you may also have the following rights:

• Right to access the categories of personal data being processed (as permitted by applicable law, including the privacy law in Minnesota)
• Right to obtain a list of the categories of third parties to which we have disclosed personal data (as permitted by applicable law, including the privacy law in California, Delaware, and Maryland)
• Right to obtain a list of specific third parties to which we have disclosed personal data (as permitted by applicable law, including the privacy law in Minnesota and Oregon)
• Right to obtain a list of third parties to which we have sold personal data (as permitted by applicable law, including the privacy law in Connecticut)
• Right to review, understand, question, and depending on where you live, correct how personal data has been profiled (as permitted by applicable law, including the privacy law in Connecticut and Minnesota)
• Right to limit use and disclosure of sensitive personal data (as permitted by applicable law, including the privacy law in California)
• Right to opt out of the collection of sensitive data and personal data collected through the operation of a voice or facial recognition feature (as permitted by applicable law, including the privacy law in Florida)

How to Exercise Your Rights

To exercise these rights, you can contact us by visiting myfiscor.com, by emailing us at support@myfiscor.com, or by referring to the contact details at the bottom of this document.

Under certain US state data protection laws, you can designate an authorized agent to make a request on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with applicable laws.

Request Verification

Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. We will only use personal information provided in your request to verify your identity or authority to make the request. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes.

If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request and the agent will need to provide a written and signed permission from you to submit such request on your behalf.

Appeals

Under certain US state data protection laws, if we decline to take action regarding your request, you may appeal our decision by emailing us at support@myfiscor.com. We will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If your appeal is denied, you may submit a complaint to your state attorney general.

California "Shine The Light" Law

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us by using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?"

13. USE OF PLAID FOR FINANCIAL ACCOUNT LINKING

Fiscor uses Plaid Inc. ("Plaid") to securely connect users' financial accounts and retrieve financial data with their permission. When a user chooses to link a financial account through Plaid, Fiscor does not receive or store the user's banking credentials (such as usernames or passwords). Instead, Plaid collects this information directly from the financial institution and provides Fiscor with access to certain financial data in accordance with the user's authorization. The financial information obtained through Plaid may include account balances, transaction history, account ownership details, and other information made available by the user's financial institution. Fiscor uses this information solely to provide and improve its services, including budgeting, financial planning, analytics, and related features. Fiscor does not sell, rent, or trade financial data obtained through Plaid. Such data is shared only with service providers as necessary to operate the platform, comply with legal obligations, or with the user's explicit consent. Plaid's use of information is governed by its own privacy policy, available at https://plaid.com/privacy. Users may revoke Fiscor's access to their financial accounts at any time through Plaid or by contacting Fiscor, subject to applicable legal and regulatory requirements.

14. BROKERAGE ACCOUNTS (ALPACA)

If you choose to open a brokerage account through the Services, brokerage services are provided by Alpaca Securities LLC ("Alpaca"), member FINRA/SIPC — not by Fiscor. To open a brokerage account, you will be asked to provide identity and regulatory information, which may include your name, date of birth, Social Security number, residential address, phone number, email address, and answers to required regulatory disclosure questions. This information is transmitted to Alpaca for account opening, identity verification, and regulatory compliance. We also record your acceptance of the required account agreements, including your IP address and a timestamp, as required by applicable securities recordkeeping rules, and we receive and process information about your brokerage account status, positions, and orders in order to display them to you within the Services. Alpaca's processing of your information is governed by Alpaca's own privacy policy and disclosures, which are presented to you when you open a brokerage account.

15. DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this Privacy Notice from time to time. The updated version will be indicated by an updated "Revised" date at the top of this Privacy Notice. If we make material changes to this Privacy Notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Notice frequently to be informed of how we are protecting your information.

16. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at support@myfiscor.com

17. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Based on the applicable laws of your country or state of residence in the US, you may have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. To review or update your personal information, log in to your account and use your account settings; consumer and advisor users may also delete their account directly from their account settings. You may also submit a request by emailing us at support@myfiscor.com or by visiting: myfiscor.com.