Terms & Conditions

Welcome to Freedom Reserves ("Company," "we," "us," or "our"). These Terms & Conditions ("Terms") govern your use of our website, investment materials, and any services we provide (collectively, the "Services"). By accessing or using our website, you agree to these Terms. If you do not agree, please discontinue use immediately.

1. Not an Offer of Securities

Nothing on this website constitutes an offer to sell or a solicitation of an offer to buy any security.

Any investment opportunities described are available only through official offering documents, such as the Private Placement Memorandum (PPM), Operating Agreement, and Subscription Documents, issued in compliance with Regulation D under the Securities Act of 1933.

2. Accredited Investor Requirements

Any investment opportunities referenced are intended only for accredited investors as defined by SEC regulations. By requesting information or expressing interest, you represent that you meet these requirements.

3. Informational Purposes Only

The content on this website, including performance descriptions, examples, charts, and strategy explanations, is provided for general informational purposes only. Nothing herein should be interpreted as:

• Investment advice
• Financial planning
• Legal or tax guidance
• A guarantee of performance or future results

Investments carry risk, and past performance does not guarantee future outcomes.

4. No Guarantees or Warranties

While we aim to provide accurate and updated information, we do not warrant:

• Accuracy
• Completeness
• Reliability
• Suitability
• Availability

Your use of the website and the information contained is at your own risk.

5. Confidentiality & Non-Distribution of Materials

Any investment materials, pitch decks, proprietary diagrams, or financial models we share are confidential. You agree not to copy, distribute, publish, or share these materials without written permission.

6. Intellectual Property Rights

All content on this website, including logos, graphics, text, images, layouts, and design, is owned by Freedom Reserves or licensed to us.

You may not reproduce, distribute, modify, or use any content for commercial purposes without explicit written approval.

7. Use of the Website

You agree not to:

• Use the site for illegal or unauthorized purposes
• Attempt to gain unauthorized access to the site or its systems
• Interfere with security features or functionality
• Use automated systems (bots, scrapers, crawlers) without permission

8. Identity Verification and Account Connection (Plaid)

To open and maintain an account, you must complete our onboarding process, which includes identity verification and connecting your financial accounts. We use Plaid Inc. ("Plaid") to verify your identity and to connect your financial accounts during account onboarding. By using our Services, you authorize us and Plaid to access and process certain information from you and from your financial institutions as described below and in our Privacy Policy.

• For identity verification, this includes information such as your name, date of birth, residential address, government-issued identification number (e.g., Social Security number), and identity document or image data you provide.
• For account connection, this includes information such as your account and routing numbers, account name and type, account balances, and the identity of the account owner, obtained from the financial institution you select.

This information is collected and processed directly by Plaid. Freedom Reserves does not receive or store your raw Social Security number, identity documents, or full bank account credentials; instead, we receive a secure token and verification result that allow us to provide our Services.

Plaid processes this information in accordance with its own privacy policy. We encourage you to review Plaid's End User Privacy Policy, available at https://plaid.com/legal/#end-user-privacy-policy, to understand how Plaid collects, uses, and shares your information. By proceeding through onboarding, you acknowledge and agree to Plaid's processing of your information as described therein. You represent that the information you provide is accurate and that you are authorized to connect any financial account you select.

9. Third-Party Links

Our website may include links to third-party sites. These are provided for convenience only and do not constitute control or endorsement of any external content. You assume all risk when accessing external websites.

10. Limitation of Liability

To the fullest extent permitted by law, Freedom Reserves and its members, managers, employees, and affiliates are not liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Use of the website
• Reliance on information displayed
• Delays or interruptions
• Unauthorized access or hacking
• Investment decisions you make

11. Indemnification

You agree to indemnify and hold harmless Freedom Reserves and its affiliates from any claims, damages, losses, liabilities, or expenses arising from:

• Your use of the website
• Your breach of these Terms
• Your misuse of any materials

12. Privacy

Your use of the website is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using our website, you consent to these practices.

13. Changes to Terms

We may update these Terms from time to time. Updates will be posted with a new "Last Updated" date. Your continued use of the website indicates acceptance of the revised Terms.

14. Governing Law

These Terms are governed by the laws of the State of Utah, without regard to conflicts of law principles.

Any disputes shall be resolved exclusively in the state or federal courts located in Utah.

15. Contact Information

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