Effective Date: February 23, 2026
Last Updated: February 23, 2026
Important Investing and Brokerage Notice
If you access brokerage or investing features through the AlgoPear experience, such features may be offered through one or more third-party brokerage or investment service providers. AlgoPear is not a broker-dealer, investment adviser, bank, or credit union. AlgoPear does not execute trades, custody customer funds or securities, or provide individualized investment advice.
1. Agreement to These Terms
These Terms of Service ("Terms") govern your access to and use of the websites, apps, APIs, and related services offered by AlgoPear, Corp., a Delaware corporation ("AlgoPear," "we," "us," or "our") (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.
2. Who the Services Are For
The Services are generally offered through participating banks, credit unions, and other financial institutions (each, a "Financial Institution Partner" or "FI Partner"). Your FI Partner may provide you access to the Services within its digital banking environment or through other supported channels. Your use of your FI Partner's products and services is governed by your FI Partner's own agreements, disclosures, and policies.
3. Eligibility
You must be at least 18 years old, or the age of majority in your jurisdiction, and able to form a binding contract to use the Services. Some features may be available only in certain jurisdictions or through certain FI Partners. We may refuse access to the Services to any person at any time where permitted by law.
4. Investing and Brokerage Features
(a) If you open or access an investment or brokerage account, or engage in investing-related activity through the Services, you may be required to agree to separate customer agreements, disclosures, and privacy practices provided by the applicable third-party brokerage or investment service provider. Those third-party documents govern your relationship with that provider.
(b) No investment advice.
Content, insights, educational materials, projections, simulations, and tools made available through the Services are for informational and educational purposes only and are not a recommendation, solicitation, or advice to buy, sell, or hold any security or financial product. You are solely responsible for your own financial and investment decisions.
(c) Investment risk.
Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results.
5. Fees and Charges
(a) AlgoPear fees
AlgoPear may charge fees for certain Services. If we do, we will disclose the applicable fees to you before you incur them.
(b) FI Partner fees.
Your FI Partner may charge fees related to its own products and services. Those fees are determined and disclosed by your FI Partner.
(c) Third-party provider fees.
If you use brokerage, investing, payments, or other third-party financial services through the Services, additional fees, charges, or expenses may apply. Those fees are determined by the applicable third-party provider and governed by that provider's terms and disclosures.
6. Privacy and Data Sharing
Your use of the Services is subject to our Privacy Policy. To provide the Services, we may collect, use, and share information with your FI Partner and with third-party service providers that support functionality such as identity verification, fraud prevention, analytics, communications, account servicing, investing functionality, and transaction processing. By using the Services, you consent to this sharing as described in our Privacy Policy and any applicable third-party disclosures.
7. User Accounts, Security, and Acceptable Use
(a) Account security
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
(b) Acceptable use
You agree not to misuse the Services. You will not:
- interfere with or disrupt the Services;
- attempt to gain unauthorized access to the Services or related systems;
- reverse engineer or otherwise attempt to extract non-public source code or underlying ideas from the Services, except where prohibited by law;
- access the Services through unauthorized automated means; or
- use the Services for unlawful, fraudulent, or abusive purposes.
(c) Suspicious activity
If you suspect unauthorized access to your account or the Services, notify us promptly at support@algopear.com and follow any security instructions provided by your FI Partner.
8. Intellectual Property
The Services, including all text, graphics, logos, software, interfaces, designs, and other content, are owned by AlgoPear or its licensors and are protected by intellectual property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal, non-commercial use.
9. Third-Party Services and Links
The Services may integrate with or link to third-party websites, platforms, products, and services, including FI Partners and other vendors. We do not control those third parties and are not responsible for their content, policies, practices, availability, or performance. Your use of third-party services is governed by their own terms, disclosures, and privacy policies.
10. Disclaimers
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALGOPEAR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALGOPEAR WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITY, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SERVICES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALGOPEAR'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF:
(a) ONE HUNDRED U.S. DOLLARS (USD $100), or
(b) THE AMOUNT YOU PAID DIRECTLY TO ALGOPEAR FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
12. Indemnification
You agree to defend, indemnify, and hold harmless AlgoPear and its officers, directors, employees, agents, affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:
(a) your use of the Services;
(b) your violation of these Terms; or
(c) your violation of any law or the rights of a third party.
13. Termination
We may suspend or terminate your access to the Services at any time if we reasonably believe you have violated these Terms, if required by law, or if necessary to protect the security, integrity, or operation of the Services. You may stop using the Services at any time. Any provisions that by their nature should survive termination will survive, including provisions relating to intellectual property, disclaimers, limitations of liability, indemnification, governing law, and dispute resolution.
14. Governing Law and Venue
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles. Subject to any mandatory consumer protection laws, any dispute arising out of or relating to these Terms or the Services will be brought exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction and venue of those courts.
15. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will provide notice as required by applicable law, including by posting the updated Terms with a revised "Last Updated" date. Your continued use of the Services after the effective date of the updated Terms constitutes acceptance of the updated Terms.
16. Contact
Questions about these Terms can be sent to:
support@algopear.com
AlgoPear, Corp.
Attn: Legal