End User Agreement

This End User Agreement ("Agreement") is a legally binding contract between you ("you" or "User") and Pantile Investments Inc., a Delaware C corporation ("Pantile," "we," "us," or "our"). This Agreement governs your access to and use of our website at pantileinvestments.com, our client platform, and all related tools, features, and services (collectively, the "Platform").

By accessing or using the Platform, you agree to be bound by the terms of this Agreement. If you do not agree to these terms, you must not access or use the Platform.

1. Description of Services

Pantile Investments is a FINRA-registered investment adviser headquartered in Colorado. Through the Platform, we provide:

• Public Website: General information about our firm, services, team, and contact information available to all visitors.
• Client Dashboard: A secure, authenticated portal for clients to view portfolio performance, account holdings, and market insights.
• Document Management: A secure system for uploading, storing, and accessing financial documents between you and your adviser.
• AI-Powered Tools: Educational AI features, including Theo, that provide information and insights about your portfolio and general financial topics.

2. Account Registration and Security

Use of the Platform is limited to individuals who are at least eighteen (18) years of age and have the legal capacity to enter into a binding agreement.

To access the authenticated portions of the Platform, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security and confidentiality of your login credentials
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activity that occurs under your account

We reserve the right to suspend or terminate your account if we reasonably believe that your account has been compromised or if you have violated this Agreement.

3. AI-Powered Tools and Educational Content

The Platform includes AI-powered features, including but not limited to "Theo," which provide educational information and insights. You acknowledge and agree that:

• AI-generated content is for educational and informational purposes only and does not constitute investment advice, financial planning advice, tax advice, or any other form of professional advice.
• AI tools are not a substitute for your dedicated human fiduciary adviser at Pantile. All specific investment decisions and financial planning strategies are managed by your human adviser.
• AI-generated responses may contain errors, inaccuracies, or outdated information. You should not rely solely on AI outputs for any financial decision.
• Your interactions with AI tools may be logged for quality assurance, compliance, and improvement purposes.

4. Acceptable Use

You agree not to:

• Use the Platform for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to gain unauthorized access to any portion of the Platform or its underlying systems
• Interfere with or disrupt the integrity or performance of the Platform
• Upload malicious files, viruses, or harmful code through the document management system
• Scrape, data-mine, or use automated tools to extract content from the Platform
• Impersonate another person or misrepresent your affiliation with any entity
• Share your account credentials with any third party

5. Intellectual Property

All content, features, and functionality of the Platform (including but not limited to text, graphics, logos, software, AI models, and design) are owned by Pantile Investments Inc. and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Platform for your personal, non-commercial use in connection with the financial services we provide. You may not reproduce, distribute, modify, or create derivative works of any Platform content without our prior written consent.

6. Documents and User Content

You may upload documents and other content to the Platform through our document management system. You retain ownership of all content you upload. By uploading content, you grant Pantile a limited license to store, process, and display that content as necessary to provide our services.

You are responsible for ensuring that any documents you upload do not violate any third-party rights or applicable laws. We reserve the right to remove content that violates this Agreement.

7. Privacy and Data Protection

Your use of the Platform is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. All client data is protected with end-to-end encryption and handled in compliance with Regulation S-P and applicable data protection laws.

8. Disclaimers

The Platform is provided on an "as is" and "as available" basis. While we strive to maintain reliable and accurate services, we make no warranties or representations, express or implied, regarding:

• The accuracy, completeness, or timeliness of information displayed on the Platform
• The uninterrupted or error-free operation of the Platform
• The accuracy of AI-generated content or educational materials
• The performance of any investment or financial strategy

Portfolio values, performance metrics, and market data displayed on the Platform are for informational purposes and may be delayed or approximate. Official account statements from your account's custodian (Charles Schwab or Altruist, depending on where the account is held) are the authoritative record of your account holdings and transactions.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Pantile Investments Inc., its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Platform, including but not limited to:

• Loss of data, revenue, or profits
• Service interruptions or platform unavailability
• Errors or inaccuracies in AI-generated content
• Unauthorized access to your account due to your failure to maintain credential security

Nothing in this Agreement limits or excludes our liability for fraud, willful misconduct, or any liability that cannot be limited or excluded under applicable law, including our fiduciary obligations as a registered investment adviser.

10. Termination

You may stop using the Platform at any time. We may suspend or terminate your access to the Platform if you violate this Agreement or if we determine, in our reasonable discretion, that continued access poses a risk to the Platform, our clients, or our business.

Termination of Platform access does not automatically terminate your advisory relationship or investment accounts with Pantile. Those are governed by your separate Investment Advisory Agreement.

11. Governing Law and Dispute Resolution

This Agreement shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions. Any disputes arising under this Agreement shall be resolved in the state or federal courts located in Colorado, and you consent to the personal jurisdiction of such courts.

Nothing in this section limits your ability to file a complaint with the SEC, FINRA, or any state securities regulator.

12. Modifications to This Agreement

We reserve the right to modify this Agreement at any time. When we make material changes, we will update the "Last updated" date and notify you through the Platform or via email. Your continued use of the Platform after any such modifications constitutes your acceptance of the revised terms.

13. Severability

If any provision of this Agreement is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

14. Contact Us

If you have questions about this Agreement, please contact us at: