Terms of Service

1. Definitions

For purposes of these Terms, the following capitalized terms have the meanings set forth below. Other capitalized terms are defined where they first appear.

• "Account" means a registered user account on the Services.
• "Advisor" means a User who has connected a personal brokerage account to the Services through SnapTrade or another supported Integration Partner for the purpose of displaying broker-verified portfolio and performance information.
• "Advisor Content" means any biography, written commentary, strategy description, trade rationale, response to questions, or other content posted by an Advisor on the Services.
• "Brokerage Account" means a securities brokerage account held by an Advisor at a third-party broker-dealer.
• "Content" means all data, text, graphics, performance metrics, profiles, and other materials available through the Services, whether contributed by Users or generated by Medea.
• "Explorer" means a User who views, follows, or subscribes to one or more Advisors through the Services.
• "Integration Partner" means SnapTrade (operated by Passiv Financial Technologies Inc.) or any other third-party service that Medea uses to facilitate read-only connections to Brokerage Accounts.
• "Subscription" means a paid subscription by an Explorer to access detailed Content of a specific Advisor.
• "User" or "you" means any person who accesses or uses the Services, including Advisors and Explorers.
• "User Content" means any content submitted, uploaded, posted, or otherwise made available by a User through the Services.

2. Nature of the Services

2.1 What Medea Provides

Medea operates a software platform that:

• Enables Advisors to connect their Brokerage Accounts on a read-only basis through SnapTrade or another Integration Partner, so that their actual investment activity and performance data may be displayed on their Advisor profile;
• Allows Explorers to browse Advisor profiles, follow Advisors, and subscribe to Advisors for access to detailed Content;
• Facilitates Subscription payments between Explorers and Advisors through Stripe Connect, deducting a platform fee;
• Publishes generally available, non-personalized informational content about markets, sectors, and Platform activity.

2.2 What Medea Is Not

Medea is not, and does not act as, any of the following:

• A broker-dealer registered with the U.S. Securities and Exchange Commission ("SEC"), the Financial Industry Regulatory Authority ("FINRA"), or any state or self-regulatory authority;
• An investment adviser, registered or otherwise, under the Investment Advisers Act of 1940 (the "Advisers Act"), state investment adviser laws, or any other applicable law;
• A custodian, escrow agent, or holder of customer funds or securities;
• A bank, trust company, money services business, money transmitter, or other financial institution;
• A copy-trading, mirror-trading, social-trading-with-trade-execution, auto-trading, or trade-routing service. Medea does not execute, place, route, transmit, or initiate any trade or order on behalf of any User;
• A provider of personalized investment, tax, legal, accounting, retirement, or financial planning advice;
• A solicitation, offer, recommendation, or endorsement of any security, investment strategy, or course of action;
• A guarantor of any User's representations, identity, qualifications, conduct, or performance.

2.3 Informational Publication; Publisher Status

All Content displayed on the Services is published by Medea for the general benefit of all Users and is impersonal, non-customized, and not tailored to the specific portfolio, financial situation, risk tolerance, investment objectives, or particular needs of any individual User. Content is offered to the general public on a regular and ongoing basis, similar to a financial publication of general and regular circulation.

Medea intends to operate within the scope of the publisher's exclusion under Section 202(a)(11)(D) of the Advisers Act and within analogous provisions of state law. Nothing in the Services shall be construed as creating any fiduciary, advisory, or similar relationship between Medea and any User.

3. No Investment Advice; Self-Directed Decisions

3.1 Informational Purposes Only

All Content on the Services — including, without limitation, Advisor profiles, broker-verified performance figures, position sizes, allocations, transaction history, written posts, comments, market commentary, leaderboards, screeners, lists, charts, alerts, and any other material — is provided for informational and educational purposes only. Nothing on the Services constitutes:

• Investment advice, financial advice, or a recommendation to buy, sell, hold, or refrain from any security or other financial instrument;
• Personalized advice of any kind, including advice tailored to your specific portfolio, risk tolerance, investment horizon, financial circumstances, tax position, or objectives;
• Tax, legal, accounting, retirement, estate planning, or insurance advice;
• A solicitation, offer to sell, or offer to buy any security or financial product;
• An endorsement of any Advisor, security, strategy, or third party;
• A representation that any investment, strategy, or course of action is suitable for any particular User.

3.2 Self-Directed Use; Responsibility

Medea strongly encourages all Users to consult with a licensed financial advisor, certified public accountant, attorney, or other qualified professional before making any investment, tax, or legal decision based on information obtained from the Services.

3.3 Past Performance Disclaimer

3.4 No Suitability Determination

Medea does not perform any suitability analysis, know-your-customer assessment, risk profile determination, or investor classification for any User. Medea does not consider any User's financial situation, investment objectives, risk tolerance, or other personal circumstances when displaying Content. Users are responsible for assessing their own suitability for any investment activity.

4. Eligibility

4.1 General Eligibility

To access or use the Services, you must:

• Be at least eighteen (18) years of age, or the age of majority in your jurisdiction, whichever is greater;
• Have the legal capacity to enter into and be bound by these Terms;
• Not be a person with whom U.S. persons are restricted from doing business under the regulations of the U.S. Office of Foreign Assets Control ("OFAC"), and not be located in, or a resident of, any country subject to comprehensive U.S. sanctions (including, as of the effective date, Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine);
• Not be listed on any U.S. Government list of prohibited or restricted parties, including the OFAC Specially Designated Nationals list;
• Not be otherwise prohibited from using the Services under applicable law;
• Provide accurate, complete, and current registration information.

4.2 Children Under 18

The Services are not directed to, and may not be used by, any person under the age of 18. Medea does not knowingly collect personal information from individuals under the age of 13, in compliance with the Children's Online Privacy Protection Act ("COPPA"). If Medea learns that personal information of a person under 13 has been collected, it will promptly delete that information. If you believe a minor has provided us with personal information, contact us at privacy@getmedea.com.

4.3 Additional Advisor Eligibility

To register as an Advisor, you must additionally:

• Be the lawful and sole owner (or, in the case of a joint account, an authorized owner with the consent of all co-owners) of the Brokerage Account connected to the Services;
• Maintain an active Brokerage Account with a broker that supports SnapTrade or another supported Integration Partner;
• Authorize Medea to receive read-only data from your Brokerage Account through the Integration Partner;
• Have the unencumbered legal right to display, publish, and share the data accessed through the Brokerage Account, including (if applicable) any necessary consents from your employer, any registered firm with which you are associated, and any regulatory authority having jurisdiction over you;
• Comply with all laws and regulations applicable to you, including, if you are a registered representative, investment adviser representative, or otherwise affiliated with a regulated firm, all rules of the SEC, FINRA, state securities regulators, and your firm's internal compliance policies relating to outside business activities, social media, performance presentation, and personal investing.

4.4 Advisor Representations and Warranties

Each Advisor represents and warrants on an ongoing basis that:

• The Brokerage Account reflects actual transactions in a real, funded account, and not paper trading, simulated trading, demo accounts, prop-firm challenge accounts, or any non-real activity;
• The Advisor has not entered into any arrangement that would constitute the Advisor as an investment adviser to any Explorer, and the Advisor will not provide individualized advice through the Services;
• The Advisor's display of performance complies with any applicable performance presentation standards required of the Advisor by law or by any firm with which the Advisor is affiliated;
• The Advisor will not engage in market manipulation, including "pump and dump" schemes, "painting the tape," "spoofing," wash trading, or any other manipulative or deceptive practice;
• The Advisor will not trade on the basis of material non-public information ("MNPI") and will not share MNPI through the Services;
• Any written content the Advisor posts is original to the Advisor or properly licensed and does not infringe any third-party right.

5. Account Registration and Security

5.1 Registration

To use most features of the Services, you must create an Account. You agree to:

• Provide accurate, current, and complete information about yourself during registration, including your full legal name, a valid email address, your country of residence, and your date of birth;
• Keep your registration information updated;
• Use the Services only through your own Account; not create multiple Accounts without our prior written consent; and not transfer or sell your Account to any other person.

5.2 Account Security

You are solely responsible for maintaining the confidentiality of your Account credentials (including your password and any two-factor authentication codes) and for all activities that occur under your Account. You agree to:

• Use a strong, unique password and protect it from disclosure;
• Enable two-factor authentication if and when it is offered;
• Notify Medea immediately at security@getmedea.com of any unauthorized access to or use of your Account or any other suspected security breach;
• Log out of the Services at the end of each session when using a shared or public device.

Medea will not be liable for any loss or damage arising from unauthorized access to your Account resulting from your failure to comply with this Section 5.2.

5.3 Identity Verification

Medea may, in its sole discretion, require additional identity verification at any time, particularly for Advisors. This may include government-issued identification, tax forms (such as IRS Form W-9 or Form W-8BEN), or evidence of brokerage account ownership. Failure to complete requested verification may result in suspension or termination of your Account.

6. Advisors and Their Content

6.1 Independence of Advisors

Advisors are independent individuals who voluntarily share their investment activity through the Services. Advisors are not, and shall not be deemed to be, employees, agents, partners, joint venturers, representatives, franchisees, or licensees of Medea, and Medea has no power to bind any Advisor.

Medea does not supervise, direct, control, monitor, vet (beyond the limited verification described in Section 6.2), endorse, or assume responsibility for any Advisor or for any Advisor Content, including any statements, opinions, strategies, predictions, or activities of any Advisor. The display of an Advisor on the Services does not constitute an endorsement, recommendation, or vouching of that Advisor.

6.2 Verification Scope and Limitations

Performance and holdings data displayed on an Advisor's profile is sourced from a read-only connection to that Advisor's Brokerage Account through an Integration Partner. Medea takes commercially reasonable measures to display data as received from the Integration Partner. However, Medea cannot and does not guarantee, and expressly disclaims any warranty regarding:

• The accuracy, completeness, timeliness, or reliability of data provided by Brokerage Accounts or Integration Partners;
• That an Advisor has not engaged in trading or holding activity outside the connected Brokerage Account that, if known, would affect the meaningfulness of the displayed information;
• That the Brokerage Account reflects the Advisor's total or only investment activity;
• That past performance, however verified, will continue or is indicative of future results;
• Any specific outcome you will obtain from following, learning from, observing, or subscribing to an Advisor.

6.3 Advisor Content

Each Advisor is solely responsible for any Advisor Content they post. Medea does not pre-screen or systematically review Advisor Content for accuracy, completeness, suitability, or compliance with law. Advisor Content does not represent the views, opinions, or recommendations of Medea.

Notwithstanding the foregoing, Medea may, but is not obligated to, remove, modify, or restrict access to any Advisor Content at any time if it determines that the content violates these Terms, applicable law, or community standards.

6.4 Prohibition on Investment Advice by Advisors

Advisors agree not to use the Services to provide personalized investment advice to any other User. Specifically, Advisors shall not:

• Provide advice tailored to the specific portfolio, risk tolerance, investment horizon, financial circumstances, tax position, or objectives of any individual Explorer;
• Hold themselves out as the investment adviser, fiduciary, financial planner, or financial advisor of any Explorer;
• Manage, direct, or have any authority over the funds, accounts, or securities of any Explorer;
• Receive any compensation from any Explorer other than the subscription fee processed through Stripe Connect.

If an Advisor wishes to provide personalized investment advisory services, the Advisor must do so outside the Services and through a properly registered or exempt advisory relationship. Medea does not facilitate, and shall not be considered to facilitate, any such personalized advisory relationship.

6.5 Advisor Removal

Medea reserves the right, in its sole discretion and without prior notice, to suspend, restrict, or terminate any Advisor's profile, including for:

• Suspected violation of these Terms, applicable law, or community standards;
• Indications of market manipulation, fraud, or misrepresentation;
• Loss of the underlying Brokerage Account connection;
• Material change in the Advisor's circumstances (e.g., loss of employer permission, regulatory order);
• Any other reason Medea determines, in its sole discretion, to be in the best interests of the Platform or its Users.

7. Subscriptions, Payments, and Refunds

7.1 Subscriptions

An Explorer may subscribe to one or more Advisors to access detailed Content. Advisors set their own monthly Subscription price within the range permitted by Medea (currently $19 to $49 per month). The price, billing frequency, included content, and any tier-specific benefits of each Subscription are displayed on the Advisor's profile prior to checkout. By initiating a Subscription, you authorize the recurring billing of the applicable Subscription fee until you cancel.

7.2 Payment Processor; Stripe Connect

All Subscription payments are processed by Stripe, Inc. and its affiliates ("Stripe") using the Stripe Connect platform. Medea uses Stripe Connect's "separate charges and transfers" or "direct charges" architecture, under which subscription amounts (less platform fees and Stripe processing fees) are transferred to the Advisor's connected Stripe account. Medea does not hold customer funds in transit.

By using the Services to subscribe or to receive payments, you also agree to Stripe's Terms of Service and Privacy Policy, available at https://stripe.com/legal and https://stripe.com/privacy. Medea is not responsible for any error, omission, or delay by Stripe. You authorize Medea and Stripe to share information and payment instructions to the extent required to process Subscriptions.

7.3 Platform Fee

Medea charges Advisors a platform fee on each Subscription transaction. The platform fee is automatically deducted from the Subscription payment before the net amount is transferred to the Advisor. The platform fee is 10% of the gross Subscription amount. The platform fee is in addition to Stripe's payment processing fees, which are also deducted from the Subscription amount.

Medea reserves the right to change the platform fee on a prospective basis. Any change to the platform fee for an existing Advisor will be communicated by email at least thirty (30) days before taking effect.

7.4 Recurring Billing and Cancellation

Subscriptions automatically renew at the end of each billing period at the then-current price until cancelled. You may cancel a Subscription at any time through your Account settings. Cancellation takes effect at the end of the current billing period. You will retain access to the subscribed Advisor's Content until the end of that period.

7.5 No Refunds

If you believe you have been charged in error, contact us at billing@getmedea.com within thirty (30) days of the charge, and we will investigate in good faith.

7.6 Taxes

All Subscription fees are stated exclusive of any value-added tax, sales tax, GST, or other transaction-based taxes ("Taxes") that may be imposed by your jurisdiction. You are responsible for paying any applicable Taxes on your Subscription. Stripe may collect and remit such Taxes on Medea's behalf where required by law.

Advisors are responsible for all income, self-employment, and other taxes imposed on Subscription revenue received. Stripe will issue tax forms (including, where applicable, IRS Form 1099-K) to Advisors who meet the applicable reporting thresholds. Medea does not provide tax advice to Advisors or Explorers.

7.7 Reserve and Withholding

Medea may, in its reasonable discretion, delay, hold, withhold, or reverse Advisor payouts if it determines that there is a credible concern of fraud, dispute, regulatory inquiry, chargeback risk, violation of these Terms, or other risk to Medea or its Users. Medea will communicate the reason for any such action to the affected Advisor and will release withheld amounts promptly after the concern is resolved.

7.8 Chargebacks

If you initiate a chargeback through your card issuer or bank, Medea may suspend your Account pending investigation. You agree not to initiate a chargeback for Subscription fees without first contacting Medea at billing@getmedea.com and providing a reasonable opportunity to resolve the issue.

8. Brokerage Connection and Read-Only Data

8.1 Integration Partner

Advisors connect Brokerage Accounts to the Services through SnapTrade, a brokerage data integration platform operated by Passiv Financial Technologies Inc., or through another Integration Partner. The connection is made by the Advisor authenticating directly with the brokerage (via OAuth, where supported) and explicitly authorizing read-only access. Medea does not receive, store, or have access to the Advisor's brokerage account login credentials when OAuth is used.

Where OAuth is not supported by the brokerage, the Integration Partner may collect credentials directly, in which case those credentials are encrypted and stored solely by the Integration Partner. Medea never receives, stores, or has access to such credentials in any case.

8.2 Read-Only Scope

8.3 Data Collected

Through the brokerage connection, Medea may receive the following information:

• Account holdings (positions and quantities);
• Transaction history (purchases, sales, dividends, fees, transfers, and similar);
• Account performance metrics (cumulative return, periodic returns, time-weighted return, and similar);
• Account-level identifiers and metadata required for the integration to function (e.g., account type, currency, broker name).

Medea does not collect, and does not request, account numbers, personal identification numbers, social security numbers, or other sensitive credentials from the Brokerage Account.

8.4 Use of Brokerage Data

Medea uses brokerage data to:

• Display verified performance and holdings on the Advisor's profile;
• Power Platform features such as leaderboards, sector breakdowns, performance comparisons, and historical charts;
• Calculate aggregate, anonymized analytics about Platform-wide activity;
• Comply with applicable law and respond to lawful requests from regulators or law enforcement.

Medea does not sell brokerage data to third parties. Medea does not use brokerage data for advertising or marketing purposes outside the Platform.

8.5 Disconnection

An Advisor may disconnect the Brokerage Account at any time through Account settings. Upon disconnection:

• Medea will cease receiving new data from the Brokerage Account effective on the next data sync;
• Historical data already displayed on the profile may remain visible, subject to the Advisor's request to have specific data removed (such requests should be sent to privacy@getmedea.com);
• The Advisor may lose Advisor status and the ability to receive new Subscriptions; existing Subscriptions may be terminated or refunded on a pro-rata basis at Medea's discretion.

8.6 Limitation Regarding Integration Partner

Medea is not responsible for any error, omission, interruption, delay, security incident, or inaccuracy of, or in, services provided by SnapTrade, any Brokerage Account, or any other Integration Partner. Disputes regarding the data displayed by a Brokerage Account should be raised directly with the brokerage. Medea is not responsible for any action a Brokerage Account or Integration Partner takes (or fails to take) with respect to an Advisor's account.

9. User Content and Licenses

9.1 Ownership

As between you and Medea, you retain all ownership rights in User Content you submit to the Services. Medea does not claim ownership of User Content.

9.2 License to Medea

By submitting User Content, you grant Medea a worldwide, non-exclusive, royalty-free, fully paid-up, sublicensable, and transferable license to host, store, reproduce, modify (for technical purposes such as resizing or reformatting), create derivative works (such as excerpts, previews, or summaries), publicly display, publicly perform, communicate, distribute, and otherwise use your User Content, in any media now known or later developed, in connection with operating, providing, promoting, marketing, and improving the Services.

This license continues for as long as your User Content remains on the Services and for a reasonable period thereafter to permit removal and to retain backup copies. The license to display User Content publicly ends when you remove the content; however, copies that have been redistributed by third parties (e.g., shared by other Users) may continue to be governed by independent agreements with those parties.

9.3 License to Other Users

To the extent your User Content is shared with other Users through Platform features (e.g., follower feeds, public profile pages, Q&A responses, comments), you grant each other User who lawfully accesses your User Content a personal, non-exclusive, non-sublicensable, non-transferable license to access and view that User Content solely through the Services.

9.4 Feedback

If you provide Medea with feedback, suggestions, or ideas regarding the Services ("Feedback"), you grant Medea a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, sublicensable, and transferable license to use, copy, modify, create derivative works of, and exploit the Feedback for any purpose without compensation, attribution, or restriction.

9.5 Your Representations

By submitting User Content, you represent and warrant that:

• You own or have all rights necessary to grant the licenses described in this Section 9;
• Your User Content does not, and the rights granted by you in your User Content will not, infringe, violate, or misappropriate any third party's intellectual property, privacy, publicity, contract, or other right;
• Your User Content complies with these Terms and all applicable laws, including securities laws and regulations.

10. Prohibited Conduct

In addition to other restrictions in these Terms, you agree not to (and not to assist, encourage, or enable others to):

10.1 Securities-Related Misconduct

• Engage in any market manipulation, including "pump and dump" schemes, "painting the tape," "spoofing," "layering," wash trading, or any other manipulative or deceptive practice intended to influence the price of a security;
• Coordinate trading or content posting with other Users for the purpose of artificially inflating Advisor visibility, leaderboard ranking, or perceived performance;
• Trade on, share, or recommend trading based on material non-public information;
• Post content that constitutes investment advice tailored to a specific individual recipient;
• Hold yourself out as a registered investment adviser, broker, or fiduciary if you are not so registered or qualified;
• Misrepresent your investment track record, identity, qualifications, or affiliations;
• Use the Services to violate any securities, anti-fraud, or anti-money-laundering law.

10.2 Account and Technical Misconduct

• Create multiple Accounts without Medea's prior written consent;
• Use another User's Account or share your Account with any other person;
• Impersonate any person or entity or misrepresent your affiliation with any person or entity;
• Use any robot, spider, crawler, scraper, data harvester, or other automated means to access the Services or collect Content without Medea's prior written consent;
• Reverse engineer, decompile, disassemble, or attempt to discover the source code, object code, or underlying ideas of the Services;
• Circumvent any technical limitations, access controls, or rate limits of the Services;
• Probe, scan, or test the vulnerability of any Medea system or network, or breach any security or authentication measure;
• Introduce any virus, malware, ransomware, trojan, worm, time bomb, or other malicious code to the Services;
• Interfere with, disrupt, or impose an unreasonable load on the Services or their underlying infrastructure.

10.3 Content and Conduct Misconduct

• Post content that is unlawful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, sexually explicit, hateful, or discriminatory;
• Post content that violates the intellectual property, privacy, publicity, or contractual rights of any third party;
• Post content that promotes illegal activity, violence, terrorism, or harm to any person or group;
• Solicit personal information from any User, particularly any minor;
• Use the Services to send unsolicited communications, advertising, spam, multi-level marketing schemes, pyramid schemes, or chain letters;
• Use Content (including data displayed for Advisors you do not yourself control) for commercial purposes outside the Services without Medea's written consent;
• Access or use the Services for the purpose of building a competitive product or service or for benchmarking against competing products.

10.4 Consequences

Violation of this Section 10 may result in immediate suspension or termination of your Account, removal of User Content, forfeiture of any pending Advisor payouts (where consistent with applicable law), reporting to law enforcement or regulators, and any other remedy available to Medea under these Terms or at law.

11. Intellectual Property

11.1 Medea's Rights

All right, title, and interest in and to the Services, including all software, source code, design, layout, structure, organization, look and feel, user interface, graphics, illustrations, photographs (other than User Content), audio, video, text, trademarks, service marks, logos, and trade dress (collectively, the "Medea IP"), are and shall remain the exclusive property of Medea and its licensors. The Medea IP is protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws.

11.2 Limited License to You

Subject to your continuing compliance with these Terms, Medea grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for their intended purpose, including the lawful viewing and use of Content as displayed within the Services.

11.3 Restrictions

Except as expressly permitted in these Terms, you may not:

• Copy, reproduce, modify, distribute, transmit, sell, lease, license, publicly display, publicly perform, or create derivative works of any portion of the Medea IP;
• Use any Medea trademark, service mark, logo, or trade name without our prior written consent;
• Remove, alter, or obscure any copyright, trademark, or other proprietary notice;
• Use the Medea IP in any manner that suggests endorsement by Medea where no such endorsement exists.

11.4 DMCA / Copyright Complaints

Medea respects intellectual property rights and complies with the Digital Millennium Copyright Act ("DMCA"), 17 U.S.C. § 512. If you believe content on the Services infringes your copyright, please send a written notice to our designated copyright agent containing the information required by the DMCA, including:

• A physical or electronic signature of the copyright owner or authorized agent;
• Identification of the copyrighted work claimed to have been infringed;
• Identification of the allegedly infringing material and its location on the Services (URL or sufficient detail to locate);
• Your contact information (address, telephone number, email);
• A statement that you have a good-faith belief that the use is not authorized;
• A statement, under penalty of perjury, that the information is accurate and that you are authorized to act on behalf of the copyright owner.

Send DMCA notices to: dmca@getmedea.com (subject line: "DMCA Notice"). Misrepresentations in a DMCA notice may subject the sender to liability. Medea reserves the right to terminate accounts of repeat infringers.

12. Privacy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy is available at https://getmedea.com/privacy and describes the types of information Medea collects, how Medea uses and shares that information, your rights with respect to your information, and Medea's security practices.

If you are a California resident, you have additional rights under the California Consumer Privacy Act ("CCPA"), as amended by the California Privacy Rights Act ("CPRA"). If you are a resident of the European Economic Area, the United Kingdom, or Switzerland, you have additional rights under the General Data Protection Regulation ("GDPR") or its applicable equivalent. These rights are described in the Privacy Policy.

13. Third-Party Services and Links

The Services rely on, integrate with, or contain links to third-party services, including without limitation Stripe (payment processing), SnapTrade (brokerage data integration), Brokerage Accounts, hosting providers, analytics services, and other tools (collectively, "Third-Party Services"). Third-Party Services are not provided by Medea, and Medea has no control over them.

Your use of any Third-Party Service is subject to the terms and privacy policy of the applicable Third-Party Service provider. Medea makes no representation or warranty regarding any Third-Party Service and is not responsible for any act, omission, error, outage, or failure of any Third-Party Service. If a Third-Party Service ceases to be available, Medea may modify or discontinue Platform features that depend on it without liability.

14. Disclaimers

To the maximum extent permitted by applicable law, Medea, its affiliates, officers, directors, employees, agents, suppliers, licensors, and service providers (collectively, the "Medea Parties") expressly disclaim all warranties, including without limitation:

• Implied warranties of merchantability, fitness for a particular purpose, non-infringement, title, and quiet enjoyment;
• Warranties arising from course of dealing, course of performance, or usage of trade;
• Warranties that the Services will be uninterrupted, error-free, timely, secure, accurate, reliable, or free of viruses or harmful components;
• Warranties regarding the accuracy, completeness, reliability, currency, or quality of any Content, including any performance data, Advisor information, or third-party data;
• Warranties regarding the conduct, identity, qualifications, regulatory status, or trustworthiness of any User, including any Advisor;
• Warranties regarding the outcome of any investment decision you make based on Content.

Some jurisdictions do not allow the exclusion of certain warranties. To the extent permitted by law, Medea's disclaimers in this Section apply. Where they may not, the disclaimers shall be limited to the maximum extent permitted by applicable law.

15. Limitation of Liability

15.1 Exclusion of Certain Damages

The foregoing exclusion applies even if a Medea Party has been advised of the possibility of such damages and even if a stated remedy is found to have failed of its essential purpose.

15.2 Liability Cap

15.3 Basis of the Bargain

You acknowledge that the disclaimers and limitations of liability in these Terms reflect a reasonable and fair allocation of risk between you and Medea, and that the Services would not be provided to you on economically reasonable terms without these limitations. The limitations in this Section 15 are essential to these Terms and form the basis of the bargain between you and Medea.

15.4 Jurisdictional Limits

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent such law applies to you, some of the limitations in this Section 15 may not apply, and Medea's liability shall be limited to the maximum extent permitted by applicable law.

16. Indemnification

You agree to defend, indemnify, and hold harmless the Medea Parties from and against any claims, actions, proceedings, suits, liabilities, damages, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees and disbursements) arising out of or relating to:

• Your access to or use of the Services;
• Your User Content;
• Your violation of these Terms or any policy incorporated by reference;
• Your violation of any law, regulation, or third-party right (including any intellectual property right, privacy right, or right of publicity);
• Any dispute between you and another User or any third party;
• Any investment, trading, or financial decision you make, including any decision based on Content or made after observing or subscribing to any Advisor;
• Your gross negligence, willful misconduct, or fraud.

Medea reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Medea, in which case you agree to cooperate with Medea's defense. You will not, without Medea's prior written consent, settle any matter that imposes any liability or obligation on Medea or admits any wrongdoing by Medea.

17. Termination

17.1 Termination by You

You may stop using the Services at any time by deleting your Account through Account settings or by contacting us at support@getmedea.com. Deletion of your Account does not entitle you to a refund.

17.2 Termination by Medea

Medea may suspend, restrict, or terminate your access to the Services, your Account, or any feature, in whole or in part, at any time, with or without notice, in its sole discretion, including for:

• Actual or suspected violation of these Terms or any policy;
• Suspected fraud, money laundering, market manipulation, or other unlawful activity;
• Risk of harm to Medea, any User, or any third party;
• Legal, regulatory, or law enforcement requirement;
• Failure to pay any amount owed;
• Inactivity of the Account for an extended period;
• Discontinuance of the Services or any feature.

17.3 Effect of Termination

On termination, your right to access the Services ends immediately, and Medea may delete or anonymize your User Content (except where retention is required by law or by these Terms). Any Subscription you have initiated may continue until the end of the current billing period, or may be cancelled immediately at Medea's discretion.

17.4 Survival

Sections of these Terms that by their nature should survive termination shall survive, including without limitation Sections 1 (Definitions), 3 (No Investment Advice), 7.5 (No Refunds), 9 (User Content and Licenses), 11 (Intellectual Property), 12 (Privacy), 14 (Disclaimers), 15 (Limitation of Liability), 16 (Indemnification), 17.4 (Survival), 18 (Governing Law), 19 (Dispute Resolution), 20 (Class Action Waiver), and 22 (Miscellaneous).

18. Governing Law

These Terms and any dispute arising out of or relating to these Terms or the Services shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws provisions, except that the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., shall govern the interpretation and enforcement of the arbitration provisions in Section 19. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

To the extent any judicial proceeding is permitted (and not subject to arbitration), the exclusive venue shall be the state and federal courts located in New Castle County, Delaware, and you and Medea irrevocably consent to the personal jurisdiction of those courts and waive any objection to venue therein.

19. Dispute Resolution; Binding Arbitration

19.1 Informal Dispute Resolution

Before initiating any arbitration or court proceeding, you and Medea agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a "Dispute") informally. You must send a written notice of the Dispute to Medea at legal@getmedea.com (with subject line "Notice of Dispute") describing the nature of the Dispute, the relief sought, and your contact information. Medea will respond within thirty (30) days. If the Dispute is not resolved within sixty (60) days of the notice, either party may initiate arbitration as set forth below.

19.2 Mandatory Arbitration

Any Dispute that is not resolved through informal negotiation shall be resolved exclusively by binding, individual arbitration administered by JAMS in accordance with the JAMS Streamlined Arbitration Rules and Procedures then in effect (the "JAMS Rules"), as modified by these Terms. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement. If JAMS is unavailable, the parties shall select a mutually acceptable arbitration provider; failing agreement, a court of competent jurisdiction may appoint an arbitrator.

The arbitration shall be conducted in Wilmington, Delaware (or via remote means with the parties' consent or as the arbitrator determines appropriate), in the English language, before a single arbitrator with substantial experience in commercial and securities-related disputes. The arbitrator shall have the authority to decide all issues of arbitrability, scope, applicability, and enforceability of this arbitration agreement.

19.3 Arbitration Costs

Filing fees and arbitrator compensation will be governed by the JAMS Rules. For claims under US$75,000, Medea will pay all JAMS administrative and arbitrator fees beyond any filing fee required of the initiating party. For larger claims, costs will be allocated per the JAMS Rules. Each party bears its own attorneys' fees unless the arbitrator determines a claim is frivolous, in which case the arbitrator may award fees to the prevailing party.

19.4 Exceptions to Arbitration

Notwithstanding the foregoing, the following matters are not subject to mandatory arbitration:

• Either party may bring an individual claim in small claims court if the claim qualifies for, and remains in, small claims court;
• Either party may seek injunctive or other equitable relief from a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights;
• To the extent required by law, claims regarding public injunctive relief may be litigated in court.

19.5 Opt-Out

You have the right to opt out of the arbitration agreement in this Section 19 and the class action waiver in Section 20 by sending written notice to Medea at legal@getmedea.com (subject line "Arbitration Opt-Out") within thirty (30) days of the date you first accept these Terms. Your opt-out notice must include your full name, residence address, the email address associated with your Account, and a clear statement that you wish to opt out of the arbitration agreement. Opting out will not affect any other provisions of these Terms.

19.6 Survival

This arbitration agreement shall survive termination of these Terms and your Account.

20. Class Action Waiver

If this class action waiver is found to be unenforceable as to any particular claim, that claim shall be severed from the arbitration and litigated in court, while all other claims shall continue to be arbitrated on an individual basis. If a court determines that the entire class action waiver is unenforceable, the entirety of Section 19 (Arbitration) shall be null and void as to that proceeding, and the proceeding shall be brought in the courts set forth in Section 18 (Governing Law).

21. Changes to These Terms

Medea may modify these Terms from time to time. The current version is always available at https://getmedea.com/terms, with the effective date noted at the top. If Medea makes material changes, Medea will provide notice to Users by email or in-Platform notification at least thirty (30) days before the changes take effect, except where shorter notice is required by law or by emergency circumstances.

By continuing to use the Services after the effective date of any modified Terms, you accept the modified Terms. If you do not agree to the modified Terms, your sole remedy is to stop using the Services and delete your Account before the effective date. Continued use after that date constitutes acceptance.

Changes shall apply prospectively only. Disputes arising before the effective date of a modification shall be governed by the version of these Terms in effect at the time the Dispute arose.

22. Miscellaneous

22.1 Entire Agreement

These Terms, together with the Privacy Policy and any other policies, guidelines, or supplemental terms incorporated by reference, constitute the entire agreement between you and Medea regarding the Services and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the subject matter.

22.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or, if such modification is not possible, severed from these Terms, and the remaining provisions shall continue in full force and effect.

22.3 No Waiver

No failure or delay by Medea to enforce any right or provision of these Terms shall constitute a waiver of that right or provision. Any waiver of any provision shall be effective only if in writing and signed by an authorized representative of Medea.

22.4 Assignment

You may not assign, delegate, or transfer these Terms or any of your rights or obligations hereunder, by operation of law or otherwise, without Medea's prior written consent. Any attempted assignment without such consent is null and void. Medea may freely assign, delegate, or transfer these Terms, in whole or in part, without your consent, including in connection with a merger, acquisition, sale of assets, financing, reorganization, or other corporate transaction. These Terms bind and inure to the benefit of the parties and their respective successors and permitted assigns.

22.5 No Third-Party Beneficiaries

These Terms do not, and are not intended to, confer any rights or remedies upon any person or entity other than the parties hereto and their permitted assigns, except that the Medea Parties are intended third-party beneficiaries of the disclaimers, limitations of liability, indemnification, and arbitration provisions and may enforce those provisions against you.

22.6 Force Majeure

Medea will not be liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, war, civil unrest, terrorism, sabotage, fire, flood, earthquake, pandemic, epidemic, government action, labor dispute, internet or utility outage, telecommunications failure, or any failure of a Third-Party Service.

22.7 Independent Contractors

Nothing in these Terms creates a partnership, joint venture, employment, agency, or fiduciary relationship between you and Medea. You and Medea are independent parties.

22.8 Notices

Notices to Medea must be sent to legal@getmedea.com, with a copy to the registered agent of Medea, LLC, at [REGISTERED AGENT ADDRESS, DELAWARE]. Notices to you will be sent to the email address associated with your Account or posted on the Services and shall be deemed delivered when sent or posted.

22.9 Export Control

You agree to comply with all applicable U.S. and foreign export control laws and regulations, including the U.S. Export Administration Regulations and OFAC sanctions. You represent that you are not located in, under the control of, or a national or resident of any country to which the U.S. has embargoed goods or services, and that you are not listed on any U.S. Government list of restricted parties.

22.10 Government Users

If you are using the Services on behalf of a U.S. federal, state, or local government entity, you represent that you have authority to bind that entity to these Terms. The Services constitute "commercial computer software" and "commercial computer software documentation" as defined in 48 C.F.R. § 2.101, and are licensed to government Users only with the rights set forth in these Terms.

22.11 Language

These Terms are written in the English language. Any translation provided is for convenience only. In the event of a conflict between the English version and any translation, the English version controls.

22.12 Electronic Communications

By using the Services, you consent to receive electronic communications from Medea, including emails, in-Platform notifications, and text messages (where you have provided a phone number). You agree that any notices, agreements, disclosures, or other communications that Medea sends electronically satisfy any legal requirement that such communications be in writing.

22.13 Headings

Section headings in these Terms are for convenience only and do not affect the interpretation of these Terms.

22.14 Contact

For questions about these Terms, contact us at legal@getmedea.com.

Acknowledgment

By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service in their entirety, including the Arbitration Agreement (Section 19) and Class Action Waiver (Section 20).

Medea, LLC

A Delaware Limited Liability Company

Contact: legal@getmedea.com

Effective Date: July 2, 2026

Version: 1.0