Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") form a binding agreement between Atlas Platform LLC, a Wyoming limited liability company ("Atlas," "we," "us," or "our"), and the business entity that accesses or uses the Atlas platform ("Customer," "you," or "your"). By creating an Atlas account, accessing atlasyield.co, or using any Atlas API or service (collectively, the "Platform"), you accept these Terms on behalf of your organization and represent that you have authority to bind that organization. If you do not agree, do not use the Platform.

2. Description of the Service

Atlas is a software platform that enables businesses to:

• Aggregate and view bank account balances across multiple financial institutions via account aggregation services.
• Configure automated sweep rules to allocate idle cash to yield-bearing instruments offered by our regulated partners.
• Initiate transfers between Customer's own linked accounts via supported payment rails (ACH, wire, SEPA, instant rails where available).
• View portfolio positions, yield performance, KYB status, and cash-flow analytics.
• Access AI-assisted cash-flow insights and yield optimization recommendations.

Atlas is a software platform. Atlas is not a bank, broker-dealer, registered investment advisor, money services business, or e-money institution. Atlas does not hold, custody, or control Customer funds at any time. All deposit-taking, custody, brokerage, transfer execution, and yield generation is performed by regulated third-party partners under their own terms of service. By using the Platform, Customer also accepts the terms of those partners as they apply to Customer's use of partner services accessed through Atlas.

3. Eligibility

The Platform is available to legally formed business entities that meet all of the following criteria:

• You are a legally formed business entity in good standing in your jurisdiction of formation.
• The individual creating the account has authority to bind the entity.
• You are not located in, organized under the laws of, or doing business from a jurisdiction subject to comprehensive sanctions administered by OFAC, the UN, the EU, or the UK.
• None of your beneficial owners or authorized signatories appears on a sanctions list maintained by OFAC, the UN, the EU, or the UK.
• For any investment-related services, you qualify as a "Professional Client" or equivalent classification under applicable securities regulations.

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

4. Account Creation & KYB

Before activating your account for money movement, Atlas conducts know-your-business (KYB) verification. This includes verification of your business legal name, registration number, tax identifier (e.g., EIN), beneficial ownership where required, and screening against sanctions and watchlists. We may use independent KYB verification providers and may decline to provide service or restrict functionality at our sole discretion. You agree that the information you provide is true, accurate, and complete, and that you will promptly update any information that changes.

5. Customer Obligations

• Provide accurate and complete information at signup and on an ongoing basis.
• Maintain the security of your credentials and access tokens; you are responsible for all activity under your account.
• Use the Platform only for lawful business purposes.
• Not reverse engineer, decompile, scrape, or attempt to bypass technical limitations of the Platform.
• Not use the Platform to facilitate money laundering, terrorist financing, fraud, or sanctions evasion.
• Comply with all applicable laws and the terms of any third-party partner whose services you access through Atlas.

6. Fees & Billing

Subscription fees and any usage-based fees are described on our pricing page or in your order form. Yield rates are set by Atlas's yield partners and may change at any time based on market conditions. Fees are billed in advance and are non-refundable except as required by applicable law. We will provide at least 30 days' notice of any material change to fees. You authorize us and our payment processors to charge your designated payment method for all fees due.

7. Third-Party Services

Atlas operates as a software layer on top of regulated partners. The Platform integrates with (i) account aggregation services, (ii) brokerage and custody partners, (iii) banking infrastructure providers, (iv) identity and KYB verification providers, (v) payment processors, (vi) authentication providers, and (vii) cloud hosting and analytics providers. These partners are bound by their own terms of service and privacy policies. Customer-facing partner terms (such as a brokerage account agreement) will be presented separately for acceptance where applicable. Atlas is not liable for the acts, omissions, outages, errors, or delays of these partners. Customers may request the current list of named sub-processors via our Data Processing Addendum at dataEU@atlasyield.co.

8. Funds Custody Disclaimer

Atlas never holds, custodies, or controls Customer funds. All custody of cash and securities is performed by regulated partners (banks, broker-dealers, qualified custodians) under their own regulatory regimes and customer agreements. In the event of insolvency or default of Atlas, Customer funds are unaffected and remain at the regulated custodian.

9. Investment Risk Disclosure

Investment products carry risk, including possible loss of principal. Yield rates are variable, are not guaranteed, and may change without notice. Past performance is not indicative of future results. Money market instruments and tokenized treasury products are not bank deposits and, except where expressly stated by the regulated partner, are not insured by FDIC, SIPC, or any equivalent EU/UK scheme. Customer is solely responsible for evaluating whether any product offered through the Platform is suitable for Customer's circumstances.

10. No Financial Advice

Atlas is software. Information, recommendations, dashboards, AI-generated insights, and yield projections provided through the Platform are for informational purposes only and do not constitute investment advice, tax advice, accounting advice, or legal advice. Customer should consult its own qualified advisors before acting on any information provided through the Platform.

11. Intellectual Property

Atlas and its licensors retain all right, title, and interest in and to the Platform, including all software, designs, trademarks, and content (excluding Customer Data). Customer retains all rights to its own data ("Customer Data"). Customer grants Atlas a limited, worldwide, non-exclusive, royalty-free license to use Customer Data solely to operate the Platform, provide the services, and as permitted by the Privacy Policy.

12. Confidentiality

Each party (the "Receiving Party") shall protect the other party's (the "Disclosing Party") confidential information with the same degree of care it uses to protect its own confidential information of like kind, but in no event less than reasonable care, and shall not use or disclose such information except as necessary to perform under these Terms or as required by law. These obligations survive termination of these Terms for three (3) years.

13. Data Processing

Where Atlas processes personal data on behalf of Customer (for example, employee or beneficial owner data uploaded by Customer), Atlas acts as a "processor" and Customer acts as a "controller" within the meaning of the GDPR. The terms of our Data Processing Addendum (DPA) are hereby incorporated by reference for all Customers subject to the GDPR or UK GDPR, and the DPA is available at /dpa or on request. In case of conflict between these Terms and the DPA on data processing matters, the DPA controls.

14. Suspension & Termination

Either party may terminate these Terms for convenience upon 30 days' written notice. We may suspend or terminate your account immediately, with or without notice, if (a) we reasonably suspect fraud, abuse, or illegal activity; (b) you fail to complete or maintain KYB; (c) you violate sanctions law; (d) you fail to pay fees when due; or (e) we are required to do so by law or by a regulated partner. Upon termination, your right to use the Platform ends and we will return or delete Customer Data in accordance with the Privacy Policy and the DPA.

15. Disclaimer of Warranties

The Platform is provided "AS IS" and "AS AVAILABLE," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Atlas does not warrant that the Platform will be uninterrupted, error-free, or secure, or that any information or recommendation provided through the Platform is accurate or reliable. To the maximum extent permitted by law, all implied warranties are disclaimed.

16. Limitation of Liability

To the maximum extent permitted by applicable law, in no event will Atlas's aggregate liability arising out of or relating to these Terms or the Platform exceed the greater of (a) the total fees paid by Customer to Atlas in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred US dollars (US$100). In no event will Atlas be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, revenue, data, or goodwill, even if advised of the possibility of such damages.

Nothing in these Terms excludes or limits liability for fraud, willful misconduct, gross negligence, death or personal injury caused by negligence, or any other liability that cannot be excluded or limited under applicable law. Customers in the European Union and United Kingdom retain all statutory rights that cannot be waived under their local law.

17. Indemnification

Customer shall indemnify, defend, and hold harmless Atlas and its officers, directors, employees, and affiliates from and against any third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of (a) Customer's misuse of the Platform, (b) Customer's breach of these Terms, (c) Customer's violation of applicable law, or (d) any claim that Customer Data infringes the rights of a third party.

18. Force Majeure

Neither party will be liable for any failure or delay in performance to the extent caused by events beyond its reasonable control, including acts of God, war, terrorism, civil unrest, natural disasters, pandemics, actions of governmental authorities, internet or telecommunications failures, or failures of third-party service providers.

19. Governing Law & Dispute Resolution

19.1 US Customers

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or the Platform that cannot be resolved through 30 days of good-faith informal negotiation shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Wilmington, Delaware. The arbitrator's award is final and may be entered in any court of competent jurisdiction. Both parties waive any right to a jury trial and waive any right to participate in a class action or class arbitration. Notwithstanding the foregoing, either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

19.2 EU/UK/EEA Customers

For Customers established in the European Union, the United Kingdom, or the EEA, these Terms are governed by the laws of the State of Delaware, United States, except that mandatory provisions of Customer's local law that cannot be derogated from by agreement (including consumer-protection laws where applicable) continue to apply. The courts of Wilmington, Delaware shall have non-exclusive jurisdiction. Nothing in this section prevents Customer from bringing proceedings in the courts of its jurisdiction of habitual residence where required by applicable law. The arbitration and class-action waiver provisions in Section 19.1 do not apply to Customers in the EU, UK, or EEA to the extent prohibited by local law.

Note: Atlas Platform LLC is organized under the laws of Wyoming. Delaware governing law is used for these Terms because Delaware courts have the most developed body of commercial contract law in the United States; this is the standard practice for US software companies serving business customers regardless of state of formation.

20. Changes to These Terms

20.1 Material Changes

We may update these Terms from time to time. For material changes — including changes to fees, dispute resolution, data use, liability, or termination rights — we will provide at least 30 days' advance notice via email and an in-app notice. You may terminate your account without penalty before the effective date. Continued use of the Platform after the effective date constitutes acceptance of the updated Terms.

20.2 Non-Material Changes

Non-material changes (typo fixes, formatting, clarifications, internal partner changes that do not affect processing or your rights) take effect on posting and we will update the "Last updated" date above.

21. Miscellaneous

• Survival. Sections 8 (Funds Custody), 11 (IP), 12 (Confidentiality), 15 (Warranties), 16 (Liability), 17 (Indemnification), 19 (Disputes), and any other sections that by their nature should survive termination shall survive.
• Severability. If any provision is held unenforceable, the remaining provisions remain in full force and effect.
• Assignment. Customer may not assign these Terms without our prior written consent. Atlas may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.
• Entire Agreement. These Terms (together with the Privacy Policy and DPA where applicable) constitute the entire agreement between the parties and supersede all prior agreements regarding their subject matter.
• No Waiver. Failure to enforce any provision is not a waiver of that provision.
• Notices. Notices to Customer may be given by email to the address on file. Notices to Atlas should be sent to legal@atlasyield.co.

22. Contact

Atlas Platform LLC
legal@atlasyield.co