Terms of Use for Website and Mobile Apps

General Agreement. By using the website and mobile applications (website and mobile applications) provided and  maintained by Unifimoney Tech QOZB, LLC, d/b/a Unifimoney, you agree to these terms and conditions. Please do not use the website and mobile applications if you do not agree with these terms and conditions. We may change these terms and  conditions and the changes will be posted on this website.  

Social Responsibility. You may not post objectionable or offensive content to the website or mobile applications,  misuse of any information posted to a site, misuse passwords, or use legally protected systems and third-party content  without proper authorization. 

Information Sharing. Unifimoney may disclose and transfer any information that you provide through this website or mobile  applications to: (i) First Fidelity Bank chartered in Oklahoma in 1920. The bank is a subsidiary of First Fidelity Bancorp, which was founded in 1982, Member FDIC, and any of our authorized agents or  service providers; (ii) any person or entity in accordance with our Privacy Policy; or (iii) if we have a duty or are  permitted or compelled by law to disclose such information. You consent to the transmission, transfer or processing of  the information you provide on the website and mobile applications. We may monitor, track and record your  interactions, patterns, access devices, Internet Protocol addresses, or characteristics when you use this website and  the mobile applications and, by your use of this website and the mobile applications, you expressly consent to such  monitoring, tracking and recording. 

Disruption of Service. Access to the website or the mobile applications may be unavailable, delayed, limited or slowed  due to, among other things: 

• Hardware failure, including failures of computers, servers, networks, telecommunication lines and  connections, and other electronic and mechanical equipment 

• Software failure, including bugs, errors, viruses, configuration problems, incompatibility of systems, utilities  or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within  particular documents or other content 

• Overload of system capacities 

• Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of god,  accident, fire, water damage, explosion, mechanical breakdown or natural disasters, interruption of power  supplies or other utility of service, strike or other stoppage of labor, governmental or regulatory restrictions,  exchange rulings, court or tribunal orders or other human intervention 

• Any other cause beyond the control of Unifimoney

Links to other Sites. Unifimoney  provides links to non-Unifimoney  websites for information on topics that may be useful to you.  Unifimoney  does not control the content of non-Unifimoney  websites. If you click on a link or otherwise link to a website not  controlled by Unifimoney , Unifimoney makes no warranties, either express or implied, concerning the content of the site, including  the accuracy, completeness, reliability or suitability for any particular purpose. Furthermore, Unifimoney  does not warrant  that the non-Unifimoney  site is free from viruses or other contamination. You should not infer that links to non-Unifimoney  imply  any endorsement of or responsibility for the opinions, ideas, products, representations, information or services  provided at these sites. 

Use of Cookies. Unifimoney  uses cookies to ensure that we give you the best experience on our website or mobile  applications. If you continue to use our website and mobile applications without changing the settings on your web  browser, we will assume that you have authorized us to receive cookies on the Unifimoney  website and mobile applications.  You may, however, change your cookies settings at any time, but you may not be able to access the website or mobile  applications, or the performance of the website or mobile application may not be optimal. 

Access to Accounts that are Not Yours. If you use Unifimoney ’s website, mobile applications, or systems to access data related  to any account(s) of which you are not the owner or authorized user as reflected in Unifimoney ’s records and systems, you  will indemnify, defend, and hold harmless Unifimoney , and all of its officers, directors, employees, agents, successors, and  assigns from any and all losses, liabilities, damages, and all related costs and expenses, arising from, relating to, or resulting (directly or indirectly) from such unauthorized access, including the cost and expenses of investigation and  analysis, correction or restoration of any destroyed, lost or altered data, losses associated with a data breach of the  system(s) of any person or entity with whom you provided or shared Unifimoney  customer account data, notification to  affected customers, offering and providing of credit monitoring, customers service, or other remediation services,  and any related costs. Any exercise of Unifimoney ’s rights to indemnification shall be without prejudice to other rights and  remedies in law or equity. You agree to this indemnity by accessing account data through Unifimoney ’s website or systems,  notwithstanding the terms of any agreement you have with a customer or an account owner stating otherwise.  

Website and Mobile Application Content and Materials. The information on the website and mobile applications are  for information purposes only and Unifimoney  does not warrant its completeness, timeliness or accuracy. Unifimoney  may, without  advance notice, change the terms and conditions of access to and use of information and materials on the website  and the mobile applications. Unifimoney  will let you know of the changes by substituting a revised Terms of Use on the Unifimoney  website and the changes will be effective when posted unless indicated otherwise. The products and services  promoted in this website and the mobile applications, including any associated fees, charges, interest rates, and  balance requirements, may differ depending upon the geographic locations. Not all products and services are offered in all states. Certain portions or pages of the website and mobile applications are subject to additional disclosures and  disclaimers. By using this website and mobile applications, you will not engage in any activity related to the website  and mobile applications that is contrary to applicable law, regulation or the terms of any agreements you may have  with Unifimoney . You agree to limit access to your password or other identifying information to authorized individuals. Unifimoney  may discontinue or make changes in the information, products or services described herein at any time without prior  notice to you. Any dated information is published as of its date only. Unifimoney may terminate any website or mobile  application offerings or transmissions without prior notice to you. 

Sanctioned Countries. You agree not to attempt to log on to the website or any mobile application from any country  sanctioned by the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury (Treasury). See,  Countries Under OFAC Sanctions from the Treasury website. We may block, restrict, or terminate your access to the  website or the mobile applications if you attempt to log on to the website or mobile application from an OFAC  sanctioned country. 

Copyright Protections. The works of authorship contained in the Unifimoney  website and mobile applications, including but  not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Unifimoney .  Except as otherwise expressly stated herein, you may not copy, transmit, display, perform, distribute, license, alter,  frame, store for subsequent use, or otherwise use in any manner such works of authorship without Unifimoney 's prior written  consent, except to the extent permitted by the copyright act of 1976 (17 U.S.C. § 107), as amended, and then, only  with notices of Unifimoney 's proprietary rights provided that you may download information and print out hard copies for  your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as  downloaded. 

Trademark Protections. Unifimoney  is the marketing name for the retail financial services activities of Unifimoney  in the United  States. Unifimoney  and the Unifimoney  logos are property of Unifimoney . Other featured words or symbols, used to identify the source of  goods and services, may be the trademarks of their respective owners. 

LIMITATION OF LIABILITY. THE WEBSITE AND MOBILE APPLICATIONS (INCLUDING ALL INFORMATION AND MATERIALS  CONTAINED ON THE WEBSITE AND MOBILE APPLICATIONS) ARE PROVIDED "AS IS" AND "AS AVAILABLE". Unifimoney  AND  THIRD-PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE  WEBSITE OR MOBILE APPLICATIONS AND DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH  REGARD TO THE WEBSITE AND MOBILE APPLICATIONS, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY,  NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS  FOR ANY PARTICULAR PURPOSE. FURTHER, Unifimoney  WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE,  INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE OR THE  MOBILE APPLICATIONS, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND THE MOBILE APPLICATIONS AND  THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM. Unifimoney  WILL NOT BE LIABLE FOR ANY OTHER PROBLEMS  EXPERIENCED BY THE USER DUE TO CAUSES BEYOND Unifimoney 'S CONTROL. Unifimoney  AND THIRD-PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED  ON THE WEBSITE AND MOBILE APPLICATIONS AND EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN  THE MATERIALS AND INFORMATION. 

Unifimoney  WILL NOT BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL,  INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THIS  WEBSITE AND THE MOBILE APPLICATIONS OR ANY PORTION THEREOF, REGARDLESS OF WHETHER Unifimoney  HAS BEEN  APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION,  WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE. 

Severability and Governing Law. If any provision of these terms of use are unenforceable, the remaining terms and provisions will be unimpaired. These terms of use are subject to other agreements you have entered into with Unifimoney . The user's access to and use of the website and mobile applications, and the terms of this disclaimer, are governed by the laws of the District of Columbia.

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All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance. Please see our Legal Library for important details.

Investment advisory services are provided by Unifimoney RIA QOZB, LLC, an SEC-registered investment advisor. For important information and disclosures relating to the robo-investment account, visit https://www.unifimoney.com/legal.

Free and simple tools are available to research firms and financial professionals at https://adviserinfo.sec.gov/ or INVESTOR.GOV/CRS, which also provides educational materials about broker-dealers, investment advisors, and investing.

‍Bank Products: Unifimoney is not a bank. The Cash Account is provided by First Fidelity Bank (FFB) www.ffb.com member FDIC. The cash balance in the Cash Account may earn a variable rate of interest and is eligible for FDIC insurance. FDIC insurance coverage is limited to $250,000 per qualified customer account per banking institution. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Cash deposits are not covered by SIPC.

Brokerage account services are offered through Apex Clearing and Custody, Inc. ("Apex"), a registered broker dealer, member of FINRA and SIPC. Your cash and investments are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Deposits at Apex are NOT deposits or other obligations of and are NOT guaranteed by First Fidelity Bank. Not FDIC insured-May lose value.

Digital Asset Products: Investing in digital assets involves risk, including risk of loss. Digital assets are highly volatile, can become illiquid at any time, and is for investors with a high-risk tolerance. Investors in digital assets could lose the entire value of their investment. Custody and trading of digital assets are provided by Gemini Trust Company, a New York State-chartered limited liability trust company. Digital assets are not insured by the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation (“SIPC”)." and is NOT a deposit or other obligation of FFB Bank

Precious Metal Products: Precious Metal trading is offered through GBI, a New-York-based precious metals dealer. Deposits at GBI are NOT deposits or other obligations of and are NOT guaranteed by First Fidelity Bank NOT FDIC insured.

The articles and research support materials available on this site are educational and are not intended to be investment or tax advice. Unifimoney does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Unifimoney's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

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• You must be a Shop Your Way member to be eligible for this promotion. Membership is free. Sign up here.
• Must be a new Unifimoney customer and pass KYC (verification) processes for all partners to be issued an account.
• Existing Unifimoney customers are not eligible at this time.
• You must fund your account using Astra and/or P2P transfer.
• Users must hold at least $100 initial funding, at least $100 in crypto, at least $100 in metals, and at least $100 in equities in their account for more than 60 days.
• All missions must be completed within 30 days after account registration and before the offer expires.


**Terms and Conditions of the Shop Your Way Missions Promo. Offer only available to users who have previously created an account with Shop Your Way. Offer only available to US residents (excluding residents of Hawaii). Limited time offer. Promotion begins on PLACEHOLDER and may end any time at the discretion of Unifimoney. Offer not available to new users who were not referred to Unifimoney through the Shop Your Way referral program. Offer not available if a Unifimoney account was previously opened using the same(or different) contact information. Limitations exist on max payout per user at the discretion of Unifimoney. Rewards will be recognized on a mission-by-mission completion basis. First Mission must be completed before an account is credited with a reward. Eligible customers must complete all missions in order to receive the max reward. Max payout requires the opening of an account,  funding of said account, and completion of all Missions set forth by Unifimoney Inc. before the end of the promotional period. The promotional period is determined at the sole discretion of Unifimoney. Unifimoney may update the terms and conditions for eligibility at any time. Rewards distribution will be in Gemini dollars (GUSD) and credited, if applicable, to your Unifimoney cryptocurrency account and is tradable only within the Unifimoney app. Reward recipients are able to convert GUSD to BTC immediately. Conversion of GUSD to Cash may take two or more days to reflect. No refunds are available. Users may contact Unifimoney at appsupport@unifi.money with further questions.
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• You must be a Shop Your Way member to be eligible for this promotion. Membership is free. Sign up here.
• Must be a new Unifimoney customer and pass KYC (verification) processes for all partners to be issued an account.
• Existing Unifimoney customers are not eligible at this time.
• You must fund your account using Astra and/or P2P transfer.
• Users must hold at least $100 initial funding, at least $100 in crypto, at least $100 in metals, and at least $100 in equities in their account for more than 60 days.
• All missions must be completed within 30 days after account registration and before the offer expires.


**Terms and Conditions of the Shop Your Way Missions Promo. Offer only available to users who have previously created an account with Shop Your Way. Offer only available to US residents (excluding residents of Hawaii). Limited time offer. Promotion begins on PLACEHOLDER and may end any time at the discretion of Unifimoney. Offer not available to new users who were not referred to Unifimoney through the Shop Your Way referral program. Offer not available if a Unifimoney account was previously opened using the same(or different) contact information. Limitations exist on max payout per user at the discretion of Unifimoney. Rewards will be recognized on a mission-by-mission completion basis. First Mission must be completed before an account is credited with a reward. Eligible customers must complete all missions in order to receive the max reward. Max payout requires the opening of an account,  funding of said account, and completion of all Missions set forth by Unifimoney Inc. before the end of the promotional period. The promotional period is determined at the sole discretion of Unifimoney. Unifimoney may update the terms and conditions for eligibility at any time. Rewards distribution will be in Gemini dollars (GUSD) and credited, if applicable, to your Unifimoney cryptocurrency account and is tradable only within the Unifimoney app. Reward recipients are able to convert GUSD to BTC immediately. Conversion of GUSD to Cash may take two or more days to reflect. No refunds are available. Users may contact Unifimoney at appsupport@unifi.money with further questions.
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