TERMS OF SERVICE

Last updated: February 14, 2026

Important Notice — Please Read Carefully

AARLUK FINANCE IS A COMMUNITY EDUCATION AND DISCUSSION PLATFORM ONLY. IT IS NOT AN INVESTING, TRADING, OR BROKERAGE PLATFORM. NOTHING PROVIDED THROUGH THIS APPLICATION CONSTITUTES FINANCIAL ADVICE, INVESTMENT ADVICE, TRADING ADVICE, OR ANY OTHER FORM OF PROFESSIONAL ADVICE. WE ARE NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, OR FINANCIAL PLANNER. ALL CONTENT, FEATURES, DATA, AND TOOLS ARE PROVIDED SOLELY FOR COMMUNITY DISCUSSION AND EDUCATIONAL PURPOSES.

Binding Arbitration & Class Action Waiver

THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE AND A CLASS ACTION WAIVER IN SECTION 14. PLEASE READ IT CAREFULLY. BY USING THE SERVICE, YOU AGREE TO RESOLVE DISPUTES THROUGH INDIVIDUAL BINDING ARBITRATION AND WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS OR CLASS-WIDE ARBITRATION.

1. Acceptance of Terms

By accessing or using the Aarluk Finance application, website, or any related services (collectively, the “Service”), you (“User,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms”). If you do not agree to all of these Terms, do not access or use the Service. These Terms constitute a legally binding agreement between you and Aarluk Finance LLC (“Aarluk,” “we,” “us,” or “our”).

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by posting the updated Terms within the Service or by other reasonable means. Your continued use of the Service after any changes constitutes acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

2. Eligibility

You must be at least 18 years of age (or the age of majority in your jurisdiction) to use this Service. By using the Service, you represent and warrant that you meet this requirement and that all registration information you submit is truthful, accurate, and complete. We reserve the right to terminate accounts that violate these requirements.

3. Educational Purpose Only — No Financial Advice

The Service is provided exclusively for educational and informational purposes. Aarluk Finance is not a registered investment adviser, broker-dealer, financial analyst, financial planner, or financial institution. No content, feature, tool, data, community post, portfolio information, leaderboard, pod, duel, or any other element of the Service constitutes:

Investment advice or recommendations
Financial planning or tax advice
A solicitation to buy, sell, or hold any security, cryptocurrency, or financial instrument
An endorsement of any particular investment strategy
A guarantee of any investment outcome or return
A personalized recommendation based on your financial circumstances

Any reference to specific securities, asset classes, financial instruments, market data, portfolio values, or investment strategies is purely for educational illustration. Past performance data shown within the Service — whether for individual users, pods, community portfolios, or any other metric — is not indicative of future results.

You should always consult with a qualified, licensed financial professional before making any investment decision. Aarluk Finance expressly disclaims any and all responsibility for any investment decisions you make, whether or not influenced by the Service.

4. Account Registration & Security

To access certain features of the Service, you must register for an account. You agree to: (a) provide accurate, current, and complete information during registration; (b) maintain and promptly update your account information; (c) maintain the security of your password and account credentials; and (d) immediately notify us of any unauthorized access to your account.

You are solely responsible for all activity that occurs under your account. We are not liable for any loss or damage arising from your failure to comply with this section.

5. Linked Brokerage Accounts

The Service may allow you to connect third-party brokerage accounts through authorized data aggregation providers (such as SnapTrade or similar services) for educational tracking and visualization purposes only. By linking a brokerage account, you acknowledge and agree that:

Aarluk Finance does not have the ability to execute trades, transfer funds, or take any action within your brokerage account
We access only read-only portfolio and position data as authorized by you
We are not responsible for the accuracy, completeness, or timeliness of data provided by third-party aggregation services
Linking your account does not create a fiduciary, advisory, or broker-dealer relationship between you and Aarluk Finance
You may disconnect your brokerage account at any time

6. Pods, Duels & Community Features

The Service offers social features including pods (group portfolios), duels (portfolio competitions), community analytics, and leaderboards. These features are strictly educational tools for learning about investing concepts in a social environment.

Performance data, rankings, comparisons, or any competitive elements within the Service are for educational engagement only and do not constitute an endorsement of any user's investment strategy or results. You must not rely on any other user's portfolio, strategy, or performance as a basis for your own investment decisions.

7. User Conduct

You agree not to:

Use the Service for any unlawful purpose or in violation of any applicable law or regulation
Provide financial advice, investment recommendations, or hold yourself out as a financial professional through the Service unless properly licensed
Post or share misleading, deceptive, or fraudulent content regarding investment performance or strategies
Harass, bully, or intimidate other users
Attempt to gain unauthorized access to any portion of the Service or its systems
Use automated systems, bots, or scrapers to access the Service
Interfere with or disrupt the Service or its infrastructure
Circumvent any content-filtering, security, or access-control features

Aarluk Finance reserves the right to suspend or terminate your account for any violation of these Terms, at our sole discretion, with or without notice.

8. Fees & Subscriptions

Certain features of the Service may require payment of fees or subscription charges. If applicable, pricing and billing terms will be disclosed before you are charged. All fees are non-refundable except as required by applicable law or as expressly stated in these Terms.

We reserve the right to change our pricing at any time. If you have an active subscription, we will provide reasonable notice of any price changes before your next billing cycle.

9. Intellectual Property

All content, features, functionality, design, graphics, logos, trademarks, and other materials available through the Service are owned by or licensed to Aarluk Finance and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, or publicly display any content from the Service without our prior written consent.

By submitting, posting, or displaying content through the Service (including pod names, comments, or profile information), you grant Aarluk Finance a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such content in connection with operating and providing the Service.

10. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and share your personal information. By using the Service, you consent to the practices described in the Privacy Policy.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Without limiting the foregoing, Aarluk Finance does not warrant that: (a) the Service will be uninterrupted, timely, secure, or error-free; (b) any information, data, or content provided through the Service will be accurate, reliable, or complete; (c) any market data, portfolio valuations, or financial information displayed will be current or correct; (d) the Service will meet your requirements or expectations; or (e) any defects in the Service will be corrected.

YOU EXPRESSLY ACKNOWLEDGE THAT INVESTING INVOLVES SUBSTANTIAL RISK, INCLUDING THE POSSIBLE LOSS OF YOUR ENTIRE INVESTMENT. ANY INVESTMENT DECISION YOU MAKE IS SOLELY YOUR OWN RESPONSIBILITY. AARLUK FINANCE SHALL HAVE NO LIABILITY WHATSOEVER FOR ANY INVESTMENT LOSSES, FINANCIAL DAMAGES, OR OTHER HARM RESULTING FROM YOUR USE OF THE SERVICE OR YOUR RELIANCE ON ANY INFORMATION OR CONTENT PROVIDED THROUGH THE SERVICE.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL AARLUK FINANCE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

Loss of profits, revenue, data, or use
Investment losses or financial damages of any kind
Loss of goodwill or reputation
Cost of procurement of substitute services
Any damages arising from or related to your reliance on information provided through the Service

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

13. Indemnification

You agree to indemnify, defend, and hold harmless Aarluk Finance and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or the rights of any third party; (d) any investment decisions you make; or (e) any content you post or transmit through the Service.

14. Binding Arbitration & Class Action Waiver

14.1 Agreement to Arbitrate

You and Aarluk Finance agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or any aspect of your relationship with Aarluk Finance (collectively, “Disputes”) will be resolved exclusively through final and binding individual arbitration, rather than in court, except that either party may bring individual claims in small claims court if they qualify.

14.2 Arbitration Rules & Procedures

Arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules then in effect, which are available at www.adr.org. If the AAA is unavailable, the parties shall agree on an alternative arbitration forum, or a court of competent jurisdiction shall appoint one. The arbitration shall be conducted by a single neutral arbitrator.

14.3 Location & Governing Procedures

The arbitration shall take place in the State of New Jersey, or at another mutually agreed-upon location. The arbitration may be conducted in person, by telephone, by video conference, or based solely on written submissions, at the arbitrator's discretion. The arbitrator shall have exclusive authority to resolve all Disputes, including issues of arbitrability.

14.4 Class Action Waiver

YOU AND AARLUK FINANCE AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

14.5 Waiver of Jury Trial

YOU AND AARLUK FINANCE HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. You and Aarluk Finance are instead electing that all Disputes shall be resolved by arbitration under these Terms.

14.6 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to legal@aarlukfinance.com within thirty (30) days of first accepting these Terms. Your notice must include your name, mailing address, and a clear statement that you wish to opt out of this arbitration clause. If you opt out, all other provisions of these Terms will continue to apply.

14.7 Severability

If any portion of this arbitration clause is found unenforceable, the remainder shall continue in full force and effect. If the class action waiver in Section 14.4 is found unenforceable, then the entirety of this arbitration clause shall be null and void, but the remaining provisions of these Terms shall remain in effect.

15. Governing Law

These Terms and any Dispute arising out of or relating to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of laws principles. To the extent that litigation is permissible under these Terms, you and Aarluk Finance agree to submit to the exclusive personal jurisdiction of the state and federal courts located in the State of New Jersey.

16. Third-Party Services & Links

The Service may integrate with or contain links to third-party services, including brokerage data providers, market data feeds, and other platforms. Aarluk Finance does not control and is not responsible for the content, privacy policies, or practices of any third-party services. Your use of third-party services is governed by their respective terms and policies.

17. Termination

We may terminate or suspend your access to the Service at any time, with or without cause, and with or without notice, at our sole discretion. Upon termination, your right to use the Service will immediately cease. Sections 3, 9, 11, 12, 13, 14, 15, and 18 shall survive termination of these Terms.

18. General Provisions

Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Aarluk Finance regarding the Service and supersede all prior agreements.

Severability. If any provision of these Terms is found to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

No Waiver. Our failure to enforce any provision of these Terms shall not be deemed a waiver of that provision or any other provision.

Assignment. You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

Force Majeure. Aarluk Finance shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, acts of government, internet or telecommunications failures, or other force majeure events.

19. Contact Information

If you have any questions about these Terms, please contact us at:

Aarluk Finance LLC
Email: legal@aarlukfinance.com