Terms of Service

Agreement to Terms

By accessing or using the Harvest App LLC ("Harvest," "we," "us," or "our") website, mobile application, and investment advisory services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Services.

Investment Advisory Services

Harvest is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Our investment advisory services are provided pursuant to a written investment advisory agreement between you and Harvest. Registration with the SEC does not imply a certain level of skill or training.

Before investing, you should review and understand our Investment Advisory Agreement, Form ADV Part 2A (Brochure), and Form CRS, which describe our services, fees, and potential conflicts of interest.

Brokerage Services

Brokerage services are provided by Alpaca Securities LLC ("Alpaca"), a member of FINRA and SIPC. Your brokerage account is held at Alpaca, and your relationship with Alpaca is governed by separate customer agreements with Alpaca. Harvest is not a broker-dealer and does not custody client assets.

Eligibility

You must meet the following requirements to use our Services:

• Be at least 18 years of age
• Be a U.S. citizen or permanent resident
• Have a valid Social Security Number
• Have a U.S. residential address
• Provide accurate and complete information during registration

Account Registration and Security

To use our Services, you must create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to protect your account credentials.

Investment Risks

Investing involves risk, including the possible loss of principal. The value of your investments may fluctuate, and you may lose money. Past performance is not indicative of future results.

Our faith-based screening methodology excludes certain investments from consideration. This screening may result in different returns compared to non-screened portfolios and may limit investment options.

You should carefully consider your investment objectives, risk tolerance, and financial situation before investing. Our Services are not suitable for all investors.

Fees

Our fee schedule is described on our website and in our Investment Advisory Agreement. You agree to pay all applicable fees for using our Services. We reserve the right to change our fees upon notice to you. Additional fees may be charged by third parties, such as fund expense ratios.

Prohibited Conduct

You agree not to:

• Provide false or misleading information
• Use the Services for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Services
• Use automated systems to access the Services without our permission
• Engage in market manipulation or fraudulent trading activity
• Violate any applicable laws or regulations

Intellectual Property

The Services and all content, features, and functionality are owned by Harvest or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written consent.

Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HARVEST SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICES.

Dispute Resolution

Any disputes arising out of or relating to these Terms or the Services shall be resolved through binding arbitration administered by FINRA in accordance with its rules. The arbitration shall be conducted in Lynchburg, Virginia. You waive any right to a jury trial or to participate in a class action.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law provisions.

Changes to Terms

We may revise these Terms at any time by posting an updated version on our website. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms.