Terms & conditions

Contents and use

These Terms of Service (the Terms) govern access to the Anseris Wealth, Inc. mobile application, website, and related consumer services. They are drafted for a United States launch and must be read with the Privacy Policy and any additional agreement presented for a particular feature.

• Agreement scope: acceptance, eligibility, accounts, electronic communications, and supplemental terms

• Product terms: connected accounts, questionnaire and algorithmic outputs, financial-wellness tools, and investment viewing

• Subscription terms: plan disclosures, automatic renewal, trials, payment, cancellation, and refunds

• Investment boundary: eligibility, separate regulated-provider agreements, investment risk, orders, custody, and account records

• Platform rules: acceptable use, intellectual property, third-party services, suspension, and termination

• Legal terms: disclaimers, liability, indemnity, disputes, notices, and drafting appendices

1. Agreement and acceptance

These Terms are a binding agreement between the individual using the Services (you) and Anseris Wealth, Inc., a Delaware corporation headquartered in Maryland (Anseris, we, us, or our). Services means the Anseris mobile application, website, financial-wellness features, subscription features, connected-account features, investment-viewing features, and any other feature that expressly incorporates these Terms.

By creating an account, clicking to accept, purchasing a subscription, accessing the Services, or continuing to use the Services after an effective update, you acknowledge that you have read and agree to these Terms and the Privacy Policy. If you do not agree, do not create an account or use the Services.

Additional terms may apply to a plan, promotion, connected-account provider, investment account, brokerage service, advisory service, custodian, banking service, payment service, or app store. You must accept those terms separately when presented. The order of control is: (1) a separately signed or accepted regulated financial-services agreement for the matter it covers; (2) a feature-specific or offer-specific term for the matter it covers; and (3) these Terms.

2. Eligibility and geographic scope

You may use the Services only if you:

• are at least 18 years old and have legal capacity to enter into a binding agreement;

• are a natural person using the Services for personal, family, or household purposes;

• reside in a United States jurisdiction in which the relevant Service is offered;

• are not prohibited from using the Services under applicable law, sanctions, court order, or another binding restriction; and

• provide accurate information and satisfy any verification, account-opening, financial-institution, or regulated-provider requirements that apply to a feature.

The Services are designed for United States users. We may limit or decline service in any jurisdiction. Availability in an app store or access while traveling does not mean a feature is legally offered in that location.

3. The Services

3.1 Account aggregation and financial overview

If you choose to connect an eligible financial account, the Services may retrieve balances, transactions, holdings, liabilities, account metadata, and similar information through a contracted financial-data provider. The default initial transaction lookback is limited to up to the prior 90 days for each user-authorized account. Data coverage, timing, accuracy, and refresh frequency depend on your institution, authorization, provider, and account type.

We may provide consolidated views, spending classifications, cash-flow summaries, subscription indicators, savings information, liability information, investment holdings, and related tools. These views may be delayed, incomplete, duplicated, or inconsistent with the official records of the financial institution or investment-account provider. The official statement, confirmation, tax record, and account agreement issued by that institution or provider control.

3.2 Questionnaire and financial-health category

During signup or later use, we may ask about your finances, goals, habits, household, liabilities, savings, time horizon, risk preferences, investment experience, and other circumstances. We may combine your responses with permitted connected-account data and apply a proprietary algorithm to place you in a financial-health or financial-habits category.

The category is an estimate based on the information available at the time. It is not a credit score, credit report, guarantee of financial condition, diagnosis, promise of results, or determination by a government agency or financial institution. It may change when data, questionnaire responses, methodology, or product rules change.

3.3 Budgeting, savings, and liability guidance

The Services may generate a target budget, savings suggestions, cash-flow observations, liability-payoff scenarios, reminders, educational content, and tailored financial-wellness guidance. Unless a separately identified registered investment adviser expressly agrees otherwise in a written advisory agreement, these features are educational and informational tools and are not individualized investment, legal, tax, accounting, credit, insurance, or estate-planning advice.

You are responsible for evaluating whether a suggestion fits your full circumstances. The Services may not know about cash transactions, unlinked accounts, informal debts, future obligations, tax consequences, household needs, benefits, legal restrictions, or changes that have not yet appeared in available data.

3.4 Investment viewing

You may be able to view investment holdings or performance information imported from a connected institution or supplied by an investment provider. Displayed prices, allocations, returns, cost basis, tax lots, income, and performance may be estimated or delayed. Do not rely on the display as an official confirmation, statement, tax document, or complete performance report.

3.5 Premium investing and investment accounts

If enabled for you, a premium plan may permit you to apply for an investment account, receive an investment tier or portfolio option, place or authorize investment activity, or access other regulated services. These features are conditional on eligibility, identity verification, account approval, location, plan status, and acceptance of all separate agreements and disclosures.

Before launch, the application and each relevant agreement must identify:

• the legal entity providing investment advice, if any, and its registration status;

• the broker-dealer receiving or executing orders, if any;

• the qualified custodian or carrying firm holding cash and securities;

• the issuer, adviser, sponsor, or manager of each fund or portfolio product;

• applicable Form CRS, Form ADV, prospectus, fee schedule, conflicts, and risk disclosures;

• whether the account is self-directed, non-discretionary advisory, or discretionary advisory;

• how cash is handled and what FDIC or SIPC protection, if any, applies; and

• the agreement and rules governing complaints, arbitration, transfers, withdrawals, and account closure.

Anseris will not activate a regulated feature merely because it appears in a prototype, marketing description, waitlist, or premium plan description.

3.6 Changes, beta features, and availability

We may improve, add, remove, suspend, limit, or test features. A beta, pilot, preview, or experimental feature may be incomplete and may change or end without becoming generally available. We will provide notice when required by law or a separate agreement. A material change to a paid plan will be handled under Section 8.

4. Important financial and investment disclosures

4.1 No guarantee and risk of loss

All financial decisions involve risk. Investments can lose value, including principal, and past performance does not guarantee future results. Projections, simulations, examples, savings estimates, payoff dates, expected returns, risk scores, fund tiers, and target budgets are hypothetical or dependent on assumptions and are not guarantees.

Unless a separate disclosure expressly states otherwise for a specific bank deposit product, investments are not deposits or obligations of a bank, are not guaranteed by a bank, and are not insured by the Federal Deposit Insurance Corporation or any other government agency. Securities Investor Protection Corporation protection, if available through an identified SIPC-member broker-dealer, addresses certain missing customer property if that broker-dealer fails; it does not protect against market loss or poor investment performance.

4.2 Educational features and regulated advice

General financial education, budgeting tools, and investment information do not by themselves create an investment advisory, brokerage, fiduciary, tax, legal, or accounting relationship. If a regulated entity provides personalized investment advice or discretionary portfolio management, the relationship, scope, fiduciary standard, fees, conflicts, methodology, and termination rights will be described in a separate agreement and required disclosures.

Do not treat an algorithmic category, plan label, educational message, notification, fund tier, or general content item as a promise that an investment is suitable or in your best interest unless the separately identified regulated provider expressly makes that recommendation under the applicable agreement and law.

4.3 Algorithm and data limitations

Algorithmic outputs depend on the completeness, accuracy, timeliness, and interpretation of inputs. Transactions may be misclassified; merchants may be ambiguous; pending items may change; connected accounts may be missing; and provider data may be delayed. The algorithm may not identify fraud, hardship, tax consequences, legal obligations, or a change in your circumstances.

You should review your questionnaire responses, linked accounts, category, budget, proposed payoff plan, investment tier, and any order before acting. Use available correction or support tools if information appears wrong. We may apply safe fallback behavior, request updated information, or withhold an output when data are insufficient.

4.4 No credit, tax, legal, or insurance decision

Unless a feature and separate agreement expressly state otherwise, Anseris does not make or arrange loans, determine credit eligibility, provide credit repair, prepare tax returns, practice law, sell insurance, or act as an insurance producer. Financial-health categories are not intended for use by third parties to make credit, employment, housing, insurance, education, or another eligibility decision.

5. Your account

You must provide complete, current, and accurate information and promptly update it. You may maintain only the number of accounts we permit and may not transfer your account or allow another person to use it. You are responsible for activity performed through your credentials until you notify us of suspected unauthorized access, except to the extent applicable law provides otherwise.

You must protect your password, passcode, device, recovery method, and multifactor-authentication factors. Do not share one-time codes or approve an authentication request you did not initiate. Notify us immediately through support@anseriswealth.com if you suspect account takeover, unauthorized activity, loss of a device, or compromise of a connected or investment account.

We may require reauthentication or additional verification for a sensitive action, including changing authentication factors, linking or disconnecting an account, exporting data, changing payment details, opening or funding an investment account, placing an order, withdrawing assets, or closing an account.

6. Connected financial accounts

6.1 Your authorization

When you connect an account, you represent that you are an owner or otherwise have authority to access it and authorize us and our contracted provider to retrieve, refresh, process, and display the account information needed for the disclosed features. Your authorization continues until it expires, is revoked, the connection is disconnected, or the account is closed.

You must not connect a business, trust, custodial, joint, or third-party account unless you have all authority and consent required for the connection and use. We may reject or disconnect an account when authority is unclear or risk is elevated.

6.2 Credentials and provider terms

Anseris is designed not to collect or store your financial institution username or password. An authorized provider may present the institution’s authorization flow and issue a connection credential or token to our backend service. That provider and your financial institution may impose their own terms and privacy notices.

Do not send institution passwords, full account numbers, connection tokens, or security codes to support. If prohibited credentials are discovered, we may delete them, restrict access, and treat the event as a security incident.

6.3 Disconnection and loss of access

You may disconnect an account through account settings. We will stop new collection for that connection and initiate the provider-supported revocation or deauthorization process. Deletion of previously collected data follows the Privacy Policy and applicable legal exceptions.

A connection may fail, expire, or be revoked by you, the provider, or the institution. We may prompt you to reconnect, but we will not resume collection without a valid authorization. Disconnection may make a category, budget, investment view, or other dependent feature unavailable or less accurate.

7. Investment-account and transaction terms

7.1 Separate account opening and verification

Opening an investment account may require legal name, address, date of birth, taxpayer identification number, government identification, citizenship or residency, employment, income, net worth, investment experience, objectives, risk tolerance, affiliations, source of funds, tax certifications, and other information. A regulated provider may verify information through identity, credit-header, sanctions, public-record, or other lawful sources.

An application may be delayed, restricted, or rejected. Neither plan purchase nor questionnaire completion guarantees account approval, a particular investment tier, or access to a product.

7.2 Account type and authority

The account agreement will state whether the account is self-directed, advisory, discretionary, or another type. You may not place an order or authorize trading until the controlling agreement identifies who has authority, the available products, fees, conflicts, limitations, and how instructions are transmitted.

Unless separate terms expressly enable them, the Services do not offer margin, options, short sales, digital assets, derivatives, retirement accounts, joint accounts, custodial accounts, or international accounts.

7.3 Orders and market conditions

An order or instruction is not accepted merely because you submitted it in the interface. The receiving or executing provider may reject, cancel, route, aggregate, delay, or partially fill it under its agreement, market rules, risk controls, trading hours, product availability, or law. Prices can change before execution, and displayed quotes may be delayed.

You are responsible for reviewing the instrument, quantity or amount, order type, estimated fees, account, funding source, and disclosures before confirmation. The official trade confirmation and account statement control. Report a suspected error promptly under the procedures and deadlines in the applicable account agreement.

7.4 Funding, withdrawals, taxes, and corporate actions

Transfers and withdrawals may be subject to verification, settlement, holds, bank returns, fraud controls, account restrictions, fees, and processing times. We do not guarantee a transfer date. You remain responsible for taxes, filings, and consequences of transactions, distributions, gains, losses, withdrawals, wash sales, and account type.

The applicable broker, custodian, adviser, issuer, or transfer agent controls dividends, voting, reorganizations, tender offers, tax lots, fractional interests, and other corporate actions under its agreement. Anseris may display information or facilitate instructions but does not guarantee participation or timing.

7.5 Records and complaints

Review all confirmations, statements, tax documents, notices, and account communications. Contact the identified regulated provider for an investment-account complaint using the contact in its agreement or Form CRS, and copy Anseris at support@anseriswealth.com when the issue concerns our interface or conduct.

8. Subscriptions, fees, and payment

8.1 Plan disclosures

Paid features are offered under the plan name, price, billing interval, included features, trial or promotional period, renewal terms, taxes, and cancellation method displayed at checkout. The checkout disclosure and order confirmation are incorporated into these Terms. If a plan description conflicts with a later order confirmation for the same purchase, the order confirmation controls.

The current plans, prices, and included features will be posted in-app and on the website. Investment-account fees, fund expenses, trading fees, custody fees, transfer fees, or advisory fees are separate unless the checkout and applicable regulated agreement expressly state that they are included.

8.2 Automatic renewal and consent

Unless the checkout states that a purchase is non-renewing, your paid subscription automatically renews for the interval shown at checkout until you cancel. Before you enroll, we will clearly disclose the amount charged, renewal interval, when charges begin, material trial terms, how to cancel, and any price change that takes effect after the initial term. By affirmatively accepting the offer, you authorize the recurring charge to your selected payment method.

For a free or discounted trial, the checkout will state the trial length and the price and interval that begin afterward. Unless you cancel by the disclosed deadline, the subscription converts to the paid plan and renews automatically.

8.3 Billing and taxes

Charges are made at the start of each billing period through the payment method or app store identified at purchase. You authorize the payment processor or app store to store and use payment credentials according to its terms. You are responsible for applicable taxes and for keeping payment information current.

If payment fails, we may retry as permitted, request another method, suspend paid features, or cancel the subscription. We will not use payment failure to sell securities, liquidate an investment account, or withdraw from a linked financial account unless a separate agreement and specific authorization lawfully permit that action.

8.4 Cancellation

You may cancel through account management. Cancellation will be available through the same medium used to subscribe and will be at least as easy to use as enrollment, subject only to proportionate account authentication. If you subscribed through Apple, Google, or another app store, you may need to cancel through that store’s subscription settings.

Cancellation stops future renewal charges but ordinarily does not end access before the close of the paid period. Deleting the application, disconnecting a bank account, or closing an investment account does not by itself cancel a subscription. We will provide advance renewal or trial-ending notices when required by applicable law or the offer.

8.5 Refunds

Except where law, an app-store rule, or the offer requires otherwise, subscription charges are nonrefundable and we do not provide prorated refunds for unused time. If we terminate a paid plan without cause before the end of a paid period, we will provide a prorated refund or comparable credit unless a third-party store controls the refund. Contact support@anseriswealth.com for a billing error.

8.6 Price and plan changes

We may change price, billing interval, or material plan features prospectively. We will provide the notice and obtain any consent required by law before the change applies to your next renewal. You may cancel before the effective renewal date. A change to investment-account fees or fund expenses is governed by the applicable regulated agreement and disclosure.

9. Electronic communications and records

You consent to receive these Terms, the Privacy Policy, subscription disclosures, receipts, service messages, account alerts, and other records electronically through the application, website, email, or another disclosed electronic channel. You must maintain a valid email address and compatible device and software.

Regulated investment-account communications may require a separate electronic-delivery consent that states hardware, withdrawal-of-consent, paper-copy, and record-retention rights. That consent controls for the records it covers. You may withdraw a general electronic-communications consent by closing your account; withdrawal does not affect prior validity and may make the Services unavailable.

We may send legally required or security-sensitive messages even if you opt out of marketing. Marketing consent is optional and may be withdrawn through the unsubscribe method or account settings.

10. Privacy and data use

The Privacy Policy explains the categories of data we collect, sources, purposes, disclosures, retention, security, automated processing, and rights. By using the Services, you acknowledge that processing described in the Privacy Policy is necessary to provide requested features or is otherwise handled under the stated basis and choices.

You may disconnect a financial account, correct questionnaire information, manage communications, request privacy rights, or close an account using the paths described in the Privacy Policy. Closing a subscription and deleting personal data are separate actions.

11. License and intellectual property

Subject to these Terms, Anseris grants you a personal, limited, revocable, nonexclusive, nontransferable license to access and use the Services for your own lawful, noncommercial purposes. You receive no ownership interest.

The Services, software, visual design, text, compilations, algorithms, categorization rules, recommendation logic, trademarks, service marks, and other content are owned by Anseris or its licensors and are protected by law. Except where law cannot be waived, you may not copy, modify, distribute, sell, lease, sublicense, publish, scrape, frame, mirror, reverse engineer, extract source code, discover model or algorithm parameters, or create a competing dataset or service from the Services.

You may use exports we provide for your personal records. An export does not grant rights in third-party market data, research, trademarks, or content.

12. Your information, content, and feedback

You retain rights in information and content you lawfully provide. You grant Anseris and its contracted providers a limited license to host, reproduce, transmit, transform, and use that information only as reasonably necessary to provide, secure, support, improve, and comply with the Services as described in the Privacy Policy and applicable agreements.

You represent that you have the right to provide the information and that doing so does not violate another person’s rights or law. Do not upload unnecessary sensitive documents, institution passwords, payment-card security codes, or full financial records to a general support channel.

If you voluntarily provide feedback, you grant Anseris a perpetual, worldwide, royalty-free right to use it without identifying you or disclosing your Restricted information. This does not permit Anseris to publish your personal or financial data.

13. Acceptable use

You may not:

• use the Services for fraud, money laundering, market manipulation, evasion of sanctions, harassment, unlawful discrimination, or another illegal purpose;

• impersonate another person, submit false identity or financial information, or access an account without authority;

• interfere with security, authentication, availability, rate limits, monitoring, or another user’s access;

• probe, scan, exploit, reverse engineer, automate, scrape, or benchmark the Services except with written authorization or a right that cannot lawfully be restricted;

• introduce malware, malicious code, or data intended to corrupt an algorithm or another system;

• use output to make a credit, employment, housing, insurance, education, or other eligibility decision about another person;

• copy, resell, sublicense, or commercially exploit the Services, market data, or derived content; or

• help another person do any of the above.

Good-faith security research must follow support@anseriswealth.com. Do not access another user’s data, disrupt production, extort, or publicly disclose a vulnerability before we have a reasonable opportunity to address it.

14. Third-party services and content

The Services depend on financial institutions, financial-data providers, cloud and identity providers, payment processors, app stores, market-data sources, analytics and crash services, communications tools, and, if enabled, banks, broker-dealers, investment advisers, custodians, fund issuers, and transfer agents.

We do not control a third party’s availability, accuracy, security, terms, or conduct. Your use of a third-party service may create a direct relationship with that provider. A link or integration is not an endorsement. Anseris remains responsible for its own obligations and does not disclaim duties that law makes non-waivable.

15. Suspension, restriction, and termination

You may stop using the Services at any time, cancel a subscription under Section 8, disconnect accounts under Section 6, and request closure through account management. We may suspend, restrict, or terminate access when reasonably necessary to:

• protect you, another user, Anseris, a provider, or the financial system;

• investigate suspected fraud, security compromise, unlawful activity, false information, or breach of these Terms;

• comply with law, sanctions, court order, regulator, provider instruction, or account agreement;

• address nonpayment, unsupported location, product discontinuation, or technical risk; or

• prevent material harm while facts are reviewed.

Where lawful and safe, we will provide notice and an opportunity to address the issue. Termination of the general platform does not itself transfer, liquidate, or close an investment account. The separate account agreement controls those actions. Sections that by nature should survive termination do survive, including payment obligations, intellectual property, disclaimers, liability, indemnity, disputes, and records.

16. Changes to these Terms

We may update these Terms to reflect a product, provider, security, legal, pricing, or operational change. We will post the updated Terms with a new effective date and provide additional notice for a material change. Where law or a separate agreement requires affirmative consent, we will obtain it before the change applies.

Changes do not retroactively alter a completed transaction or override a separate investment agreement. If you do not accept a material update, you must stop using the affected Service and may cancel or close it under the applicable procedure.

17. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE GENERAL PLATFORM AND EDUCATIONAL SERVICES ARE PROVIDED AS IS AND AS AVAILABLE. ANSERIS DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that the Services will be uninterrupted, error-free, secure against every threat, compatible with every institution or device, or that data or output will be complete, current, or accurate. We do not warrant any savings, payoff date, credit result, tax result, investment return, account approval, tier, or product availability.

This Section does not disclaim an express duty, fiduciary duty, standard of conduct, warranty, or remedy that applies under a separate regulated financial-services agreement or cannot lawfully be waived.

18. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANSERIS AND ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AFFILIATES WILL NOT BE LIABLE UNDER THESE TERMS FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, GOODWILL, OR OPPORTUNITY; OR THE COST OF SUBSTITUTE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF ANSERIS AND THOSE PERSONS FOR CLAIMS ARISING FROM THE GENERAL PLATFORM OR SUBSCRIPTION SERVICES WILL NOT EXCEED THE GREATER OF (A) THE SUBSCRIPTION FEES YOU PAID TO ANSERIS FOR THE AFFECTED SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) 100 U.S. DOLLARS.

The limitations do not apply to liability that cannot lawfully be limited, and they do not alter the liability allocation in a separate brokerage, advisory, custody, banking, or fund agreement. Some jurisdictions do not allow certain exclusions, so some limitations may not apply to you.

19. Indemnification

To the extent permitted by law, you will defend, indemnify, and hold harmless Anseris and its directors, officers, employees, and affiliates from a third-party claim, damage, or reasonable cost arising from your unlawful use of the Services, material breach of these Terms, violation of another person’s rights, or connection of an account without authority. You have no indemnity obligation for Anseris’s own negligence, willful misconduct, violation of law, or breach of a non-waivable duty.

We may control the defense of a covered claim with counsel reasonably selected by us, and you will reasonably cooperate. We will not settle a claim in a way that admits your fault or requires nonmonetary action by you without your consent, not to be unreasonably withheld.

20. Disputes and governing law

20.1 Informal resolution

Before filing a dispute concerning the general platform or subscription, please send a written description, requested resolution, and contact information to support@anseriswealth.com. The parties will attempt in good faith to resolve it for 30 days. This step does not prevent a request for urgent injunctive relief, a complaint to a regulator, or action needed to preserve a limitations period.

20.2 No general-platform arbitration clause in this draft

This draft does not impose mandatory arbitration for general platform or subscription disputes. Do not add or rely on a clickwrap arbitration clause without counsel confirming formation, notice, opt-out, class-action, state-law, and consumer-financial-law requirements.

A separate brokerage or investment-account agreement may contain a predispute arbitration provision governed by FINRA or another forum’s rules. Any such provision must appear in and be accepted under that separate agreement, with the required disclosures, and controls only within its lawful scope.

20.3 Governing law and forum

Except to the extent federal law, the law of your state of residence, or a separate regulated agreement requires otherwise, these Terms are governed by Maryland law without regard to conflict-of-law rules. A dispute not subject to a valid separate arbitration agreement will be brought in the state or federal courts located in Baltimore County, Maryland, and each party consents to personal jurisdiction there. You may bring an eligible individual claim in small-claims court.

Nothing in these Terms waives a right to contact or file a complaint with the Consumer Financial Protection Bureau, Federal Trade Commission, Securities and Exchange Commission, FINRA, a state attorney general, state securities regulator, or another government authority.

21. General terms

21.1 Notices

We may provide notice through the Services, account message, email, or another method permitted by law. A legal notice to Anseris must be sent to the contacts in Section 22, unless a separate agreement specifies a different recipient.

21.2 Assignment

You may not assign these Terms without our written consent. We may assign them in connection with a merger, financing, reorganization, sale of assets, or transfer of the affected business, subject to applicable notice, privacy, and regulated-account requirements.

21.3 Severability, waiver, and interpretation

If a provision is unenforceable, it will be enforced to the maximum lawful extent and the remainder will continue. A waiver must be written and applies only to the stated instance. Headings are for convenience. Including means including without limitation. These Terms will not be construed against a party merely because it drafted them.

21.4 Entire agreement and no third-party beneficiary

These Terms, the Privacy Policy, checkout terms, and incorporated feature terms are the entire agreement for the general platform and subscription Services. Separate regulated agreements remain separate and control their subject matter. Except for persons expressly protected by the liability or indemnity sections, these Terms create no third-party beneficiary.

22. Contact us

Anseris Wealth, Inc.

• Mailing address: 5245 E Joppa Rd, Perry Hall, MD, 21128

• Support, Billing, Legal, and Reports: support@anseriswealth.com

For an investment-account issue, also use the broker-dealer, investment adviser, custodian, bank, or fund contact identified in the applicable account agreement, Form CRS, Form ADV, prospectus, statement, or confirmation.