Terms of Service

1. Agreement to Terms

By accessing or using the Atlas Cash Management platform ("Atlas," "the Platform," "we," "us," or "our"), including any associated websites, APIs, and services operated by Atlas Cash Management, Inc., you ("Customer," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you are using Atlas on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

If you do not agree to these Terms, you may not access or use the Platform.

2. Description of Service

Atlas is a cash management platform that enables businesses to:

• Aggregate and view bank account balances across multiple financial institutions via third-party account linking services (e.g., Plaid).
• Configure automated sweep rules to optimize idle cash allocation across yield-generating instruments.
• Initiate transfers between the Customer's own linked bank accounts and brokerage accounts via supported payment rails (ACH, wire, RTP, FedNow).
• View portfolio positions, yield performance, and cash flow analytics.
• Access AI-powered cash flow insights and optimization recommendations.

Atlas is a software platform. Atlas is not a bank, broker-dealer, or registered investment advisor. Atlas does not hold, custody, or control your funds at any time. All financial transactions are executed by our regulated third-party partners, including but not limited to Alpaca Securities LLC (member FINRA/SIPC) for brokerage services, Increase Technologies Inc. for banking-as-a-service, and Plaid Inc. for account connectivity.

3. Eligibility

The Platform is available to businesses and organizations that meet the following criteria:

• You are a legally formed business entity (corporation, LLC, partnership, or sole proprietorship) in good standing.
• The individual creating the account has the authority to act on behalf of the organization.
• You are located in, and conducting business from, a jurisdiction where use of the Platform is not prohibited by applicable law.
• You qualify as a "Professional Client" or equivalent classification under applicable securities regulations for investment-related services.

Atlas is not available to individual retail consumers. By using the Platform, you represent that you are acting in a business capacity.

4. Account Registration and Security

To use the Platform, you must create an account and provide accurate, current, and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials.
• All activities that occur under your account.
• Notifying Atlas immediately of any unauthorized use of your account or any other security breach.
• Ensuring that all users added to your organization account are authorized to act on behalf of the organization.

Atlas uses Clerk for authentication services. Your authentication data is governed by Clerk's terms and privacy practices in addition to these Terms.

5. Third-Party Financial Services

The Platform integrates with third-party financial service providers to deliver its functionality. By using these features, you acknowledge and agree that:

• Account Linking (Plaid): When you connect bank accounts, you authorize Plaid Inc. to access your financial account information on your behalf. Your use of Plaid is subject to Plaid's End User Privacy Policy.
• Brokerage Services (Alpaca): Investment transactions, including purchases and sales of securities such as treasury ETFs, are executed by Alpaca Securities LLC, a registered broker-dealer and member of FINRA/SIPC. Your brokerage account is held at and governed by Alpaca's Customer Agreement. Securities are not FDIC insured and are subject to market risk.
• Banking Services (Increase): Fund transfers between your own linked accounts are facilitated through Increase Technologies Inc. and its banking partners. All transfers are subject to the terms and conditions of the relevant banking partner.

Atlas acts as a technology intermediary and does not guarantee the performance, availability, or accuracy of any third-party service. Fees charged by third-party providers are separate from and in addition to any fees charged by Atlas.

6. Transfers and Fund Movement

Atlas facilitates the movement of funds exclusively between accounts that you own and have linked to the Platform. You acknowledge that:

• All transfers are between your own verified accounts. Atlas does not support transfers to third-party accounts.
• Transfer processing times depend on the payment rail selected (ACH: 1-3 business days; wire: same day; RTP/FedNow: near-instant) and are subject to the policies of participating financial institutions.
• You are solely responsible for ensuring sufficient funds are available in the source account before initiating a transfer.
• Atlas may impose daily or per-transaction limits on transfers. These limits may vary based on your account status and history.
• Atlas reserves the right to delay or decline any transfer that it reasonably believes may be fraudulent, unauthorized, or in violation of applicable law.

7. Investment Services and Yield Products

Through the Platform, you may allocate funds to yield-generating instruments, including but not limited to treasury ETFs, money market funds, and other short-duration securities. You acknowledge and agree that:

• Atlas does not provide investment advice. All investment decisions are made solely by you. The display of yield rates, returns, and projections is for informational purposes only and does not constitute a recommendation.
• Past performance is not indicative of future results. Yield rates displayed on the Platform are estimates and may fluctuate.
• Investments in securities are not FDIC insured, are not bank deposits, and may lose value.
• Atlas may charge a management fee on assets under management, expressed as an annualized percentage. This fee is disclosed before you invest and is deducted from your returns. The yield rate displayed to you is net of the Atlas management fee.
• Securities custody is provided by Alpaca Securities LLC (member SIPC). SIPC protects securities customers up to $500,000 (including $250,000 for cash claims).

8. Sweep Rules and Automation

The Platform allows you to configure automated sweep rules that transfer funds between accounts based on specified conditions (e.g., minimum balance thresholds). You acknowledge that:

• Sweep rules are executed automatically based on the parameters you set. You are solely responsible for configuring appropriate thresholds and reviewing rule performance.
• Atlas does not guarantee that sweep rules will execute at a specific time or that market conditions at the time of execution will be favorable.
• You may enable, disable, or modify sweep rules at any time through the Platform.
• Automated actions taken pursuant to sweep rules are treated as your authorized instructions.

9. Fees and Billing

Atlas may charge fees for the use of the Platform, including but not limited to:

• Management Fee: An annualized percentage fee on assets deployed through the Platform's yield products. The current fee schedule is displayed within the Platform and may be updated with 30 days' prior notice.
• Platform Fee: A monthly or annual subscription fee for access to premium features, if applicable.

All fees are disclosed before they are incurred. Atlas reserves the right to modify its fee structure with reasonable advance notice. Third-party fees (e.g., wire transfer fees charged by your bank) are your responsibility.

10. Data and Privacy

Your use of the Platform is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. By using the Platform, you consent to the collection and use of your data as described in the Privacy Policy.

You retain ownership of all financial data you provide to or access through the Platform. Atlas uses your data solely to provide and improve the Platform's services, and does not sell your financial data to third parties.

11. Prohibited Uses

You agree not to use the Platform to:

• Violate any applicable law, regulation, or third-party rights.
• Engage in money laundering, terrorist financing, or any other illicit financial activity.
• Attempt to circumvent any security measures, rate limits, or access controls.
• Use the Platform for speculative trading or any purpose inconsistent with cash management.
• Provide false or misleading information during account registration or verification.
• Interfere with or disrupt the Platform's infrastructure or other users' access.
• Reverse-engineer, decompile, or attempt to extract the Platform's source code.

12. Intellectual Property

The Platform, including all software, designs, text, graphics, interfaces, and underlying technology, is the property of Atlas Cash Management, Inc. and is protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Platform solely for your internal business purposes in accordance with these Terms.

13. Disclaimers

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Atlas does not warrant that: (a) the Platform will be uninterrupted, timely, secure, or error-free; (b) financial data displayed will be accurate or complete at all times; (c) any particular investment return or yield will be achieved; or (d) defects will be corrected.

Atlas provides AI-generated insights and recommendations for informational purposes only. These are not financial advice and should not be relied upon as the sole basis for any financial decision.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ATLAS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY.

ATLAS'S TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO ATLAS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

15. Indemnification

You agree to indemnify, defend, and hold harmless Atlas and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your negligence or willful misconduct.

16. Termination

Either party may terminate this agreement at any time. You may close your account by contacting us at support@atlascash.com.

Atlas may suspend or terminate your access to the Platform at any time if we reasonably believe you have violated these Terms, or if required by law or regulation. Upon termination, you must cease all use of the Platform. Any pending transfers or investment redemptions will be processed in accordance with the applicable third-party provider's policies.

17. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms or the Platform shall first be subject to good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may submit the dispute to binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall take place in New York, New York.

18. Changes to These Terms

Atlas reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Platform and updating the "Last updated" date. Your continued use of the Platform after such changes constitutes acceptance of the revised Terms.

19. Contact

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