Legal Terms, Conditions & Agreements

PART I: TERMS OF USE

Effective: January 2025

Please read the following Terms of Use (the "Terms of Use") carefully. These Terms of Use govern your Use of the Yield Vault LLC (referred to as "Yield Vault," "YieldVault," "we," "us," or "our") website located at YieldVault.Investments and any associated mobile applications.

1. Description of Services

YieldVault.Investments constitutes a technology platform that enables Yield Vault members to discover, compare, and access high-yield savings opportunities including but not limited to certificates of deposit (CDs), high-yield savings accounts, money market accounts, and other interest-bearing financial products.

The Services include, without limitation:

• Rate discovery and comparison tools
• Community-contributed rate information and reviews
• Educational content regarding savings optimization
• YieldVault Pro managed account services
• Customer support and concierge services
• Notifications and alerts regarding rate changes

2. Eligibility and Registration

To use the Services, you must be at least eighteen (18) years of age or the age of majority in your jurisdiction, whichever is older. You represent and warrant that you meet these eligibility requirements and are not prohibited from using the Services under any applicable law.

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 Yield Vault of any unauthorized use of your account.

3. Changes to Terms of Use

We reserve the right to update, modify, or replace these Terms of Use at any time. Your continued use of the Services following the posting of any changes constitutes your acceptance of such changes.

4. Access and Use Rights

Subject to your compliance with these Terms, Yield Vault grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services solely for your personal, non-commercial use.

5. Prohibited Uses and Conduct

You agree not to engage in any of the following prohibited activities:

• Copying, distributing, or scraping any part of the Services
• Using automated systems to access the Services
• Transmitting spam or unsolicited communications
• Attempting to interfere with or compromise system security
• Collecting personally identifiable information
• Impersonating another person or hiding your identity
• Engaging in money laundering or illegal financial activities
• Violating any applicable laws or regulations

6. User-Generated Content

By submitting User Content to the Services, you grant Yield Vault a worldwide, non-exclusive, royalty-free license to use, reproduce, and display the User Content. You represent that you own or have the necessary rights to submit the User Content.

7. Proprietary Content and Intellectual Property

Yield Vault owns or licenses all rights, title, and interest in the Services and their content. The YieldVault name, logo, and related marks are trademarks of Yield Vault LLC.

8. Third-Party Links and Services

The Services may contain links to third-party websites. Yield Vault has no control over and assumes no responsibility for third-party content or practices.

9. Fees and Payment

Certain features may require payment of fees. You agree to pay all applicable fees and authorize Yield Vault to charge your payment method. Yield Vault reserves the right to change fees upon notice.

10. Subscription Services

Subscription products are billed on a recurring basis. Your subscription will automatically renew unless you cancel prior to the renewal date. Subscription fees are generally non-refundable except as required by law.

PART II: PRIVACY POLICY

Effective: January 2025

For complete privacy information, please see our dedicated Privacy Policy page.

1. Introduction

Yield Vault LLC is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and protect your personal information.

2. Information We Collect

We collect:

• Personal identification information (name, email, phone, SSN for verification)
• Financial information (bank accounts, investment preferences)
• Government-issued ID for verification
• Device and usage information
• Cookies and tracking technologies

3. How We Use Your Information

We use your information to provide Services, process transactions, verify identity, prevent fraud, send communications, comply with legal obligations, and improve your experience.

4. Information Sharing

We may share information with service providers, financial institutions, in response to legal process, to protect rights and safety, in connection with business transfers, and with your consent.

5. Your Rights

You have rights to access, correct, delete, or port your data. Contact us at support@yieldvault.investments to exercise these rights.

PART III: YIELDVAULT PRO ACCOUNT AGREEMENT

Effective: January 2025

1. Account Overview

The YieldVault Pro Account Agreement sets forth terms for the managed savings optimization service. By opening a Pro Account, you agree to these terms, our Privacy Policy, and all applicable agreements.

2. Nature of Service

YieldVault Pro is a technology platform that facilitates placement and management of your funds across various financial institutions. Yield Vault acts as a technology services provider, not as a bank.

3. Eligibility

You must:

• Be at least 18 years of age
• Be a U.S. citizen or lawful permanent resident
• Provide accurate identity verification information
• Provide government-issued ID
• Meet additional requirements established by Partner Institutions

4. Deposits and Withdrawals

Deposits may be made via ACH or wire transfers. Withdrawal requests received by 2:00 PM ET on a Business Day will generally be processed the same day, subject to funds availability.

5. Fees and Charges

Fees are outlined in the Fee Schedule. We reserve the right to update fees with prior notice. You authorize Yield Vault to debit your account for fees.

6. Electronic Communications

You consent to receive all notices, statements, and communications electronically via email or the platform.

7. Account Closure

You may request account closure at any time. Your balance must be $0.00 or you must provide transfer instructions. We may close accounts that are dormant for 90+ days.

PART IV: PARTNERSHIP AGREEMENTS AND THIRD-PARTY SERVICE PROVIDERS

Effective: January 2025

1. Overview

Yield Vault utilizes third-party service providers to facilitate Services. Your relationship is exclusively with Yield Vault. Direct all communications to Yield Vault only.

2. Cash Flow Portal - Software Provider

CLIENT RELATIONSHIP ACKNOWLEDGMENT: You are a client of Yield Vault, NOT Cash Flow Portal. Direct all inquiries to support@yieldvault.investments or (855) 915-2066.

3. FundBaseCamp - Payment Processor

CLIENT RELATIONSHIP ACKNOWLEDGMENT: You are a client of Yield Vault, NOT FundBaseCamp. Direct all payment inquiries to Yield Vault only.

4. Partner Institutions

Your funds may be placed at banks, credit unions, or treasury services. Your contractual relationship for management is exclusively with Yield Vault. Do not contact Partner Institutions directly.

5. Rationale for Communication Protocols

These protocols ensure security, prevent fraud, maintain accurate records, provide correct information, protect proprietary systems, and comply with laws.

PART V: CLIENT RELATIONSHIP AND COMMUNICATION PROTOCOLS

Effective: January 2025

1. Exclusive Client Relationship

You have a direct client relationship exclusively with Yield Vault LLC. All rights and communications flow exclusively through Yield Vault.

2. Authorized Communication Channels

• Email: support@yieldvault.investments
• Phone: (855) 915-2066
• Platform: YieldVault messaging system
• Mail: 1309 Coffeen Ave Ste 1200, Sheridan, WY 82801

3. Response Times

We respond to inquiries within 1-2 Business Days. Support hours: Monday-Friday, 9AM-5PM MT (excluding federal holidays).

4. Communication Records

Yield Vault maintains records of all communications for quality assurance, compliance, and dispute resolution. You consent to recording of communications.

PART VI: NOT A BANK DISCLOSURE

Effective: January 2025

1. Not a Bank

Yield Vault is NOT a bank, savings institution, credit union, or depository institution. Yield Vault is not chartered or regulated as a banking institution.

2. No FDIC Insurance From Yield Vault

YIELD VAULT DOES NOT CARRY OR PROVIDE FDIC INSURANCE. FDIC insurance is provided directly by FDIC-insured banks where funds may be deposited.

3. FDIC Insurance Through Partner Institutions

Funds placed at FDIC-insured Partner Institutions may be eligible for FDIC coverage up to $250,000 per depositor, per insured bank. FDIC insurance is provided by the bank directly, not by Yield Vault.

4. Technology Services Provider

Yield Vault provides technology, software, and services that enable you to discover savings opportunities and manage savings across institutions. Yield Vault does not hold deposits or make loans.

5. No Government Backing

Yield Vault is a private company not backed or guaranteed by any government entity. Your use of Services is at your own risk.

6. Investment Risks

All investments involve risk. Yield Vault makes no guarantee of returns or principal preservation. Interest rates are subject to change.

PART VII: ELECTRONIC FUND TRANSFERS

Effective: January 2025

1. Types of Transfers

Services enable ACH transfers, wire transfers, internal transfers, and other electronic methods.

2. Consumer Liability for Unauthorized Transfers

TELL YIELD VAULT AT ONCE if you believe an unauthorized transfer occurred. Contact us within 2 Business Days to limit loss to $50. Delays may increase liability up to $500 or more.

3. Contact for Unauthorized Transfers

• Phone: (855) 915-2066
• Email: support@yieldvault.investments
• Mail: Error Resolution Department, 1309 Coffeen Ave Ste 1200, Sheridan, WY 82801

4. Error Resolution

Report errors within 60 days. We will investigate within 10 Business Days or up to 45 days if extended investigation is needed.

5. Yield Vault's Liability

We may be liable for failures to complete transfers properly, except in cases of insufficient funds, system failures, circumstances beyond our control, or third-party system errors.

6. Statements

You will receive monthly electronic statements when transfers occur, or quarterly statements at minimum.

PART VIII: DISPUTE RESOLUTION AND ARBITRATION

Effective: January 2025

1. Agreement to Arbitrate

You and Yield Vault agree that disputes will be resolved by binding arbitration on an individual basis, not in court, except for small claims court matters and intellectual property disputes.

2. Waiver of Jury Trial and Class Actions

YOU AND YIELD VAULT WAIVE THE RIGHT TO JURY TRIAL AND CLASS ACTIONS. Arbitration is conducted individually, not on a class or representative basis.

3. Arbitration Procedures

Arbitration administered by American Arbitration Association (AAA) under Consumer Arbitration Rules. Notice must be sent to: Yield Vault LLC, Attn: Legal Department, 1309 Coffeen Ave Ste 1200, Sheridan, WY 82801.

4. Governing Law

These Terms are governed by Wyoming law. Disputes in court (if applicable) will be brought in Sheridan County, Wyoming.

5. Opt-Out

You may opt out within 30 days of accepting Terms by sending written notice to support@yieldvault.investments with your name, address, and statement opting out.

PART IX: LIMITATION OF LIABILITY AND DISCLAIMERS

Effective: January 2025

1. Disclaimer of Warranties

SERVICES PROVIDED "AS IS" WITHOUT WARRANTIES. Yield Vault disclaims all warranties, express or implied, including merchantability, fitness for purpose, and non-infringement.

2. Limitation of Liability

YIELD VAULT'S TOTAL LIABILITY IS LIMITED to the greater of: (a) fees paid in prior 12 months, or (b) $100. Yield Vault is not liable for indirect, incidental, consequential, or punitive damages.

3. No Financial Advice

YIELD VAULT IS NOT PROVIDING FINANCIAL, LEGAL, OR TAX ADVICE. Services are informational only. Consult qualified professionals for personalized advice.

4. Force Majeure

Yield Vault not liable for delays from acts of God, war, terrorism, natural disasters, strikes, pandemics, or other causes beyond reasonable control.

PART X: INDEMNIFICATION

Effective: January 2025

Your Indemnification Obligations

You agree to indemnify and hold harmless Yield Vault from claims arising from:

• Your use of Services
• Your violation of these Terms
• Your violation of laws or third-party rights
• User Content you submit
• Your negligence or misconduct
• Transactions made through Services

PART XI: INTELLECTUAL PROPERTY

Effective: January 2025

1. Yield Vault's IP

All content, features, and functionality are owned by Yield Vault or licensors and protected by copyright, trademark, patent, and other IP laws.

2. Trademarks

YieldVault, YieldVault.Investments, YieldVault Pro, logos, and related marks are trademarks of Yield Vault LLC. Use requires prior written permission.

3. Copyright Complaints

For copyright infringement notices, contact support@yieldvault.investments with required DMCA information.

PART XII: TERMINATION

Effective: January 2025

1. Termination by You

Close account anytime via support@yieldvault.investments. Balance must be $0.00 or provide transfer instructions.

2. Termination by Yield Vault

We may terminate accounts for Terms violations, harmful conduct, fraud, inactivity, non-payment, regulatory requirements, or any other reason.

3. Effect of Termination

Upon termination, access ceases immediately. Survival provisions remain in effect. Remaining funds disbursed per applicable law.

PART XIII: GENERAL PROVISIONS

Effective: January 2025

1. Entire Agreement

These Terms, with Privacy Policy and other legal notices, constitute the entire agreement.

2. Severability

If any provision is unenforceable, remaining provisions remain in effect.

3. Assignment

You may not assign these Terms without consent. Yield Vault may assign without restriction.

4. Electronic Communications

You consent to electronic communications from Yield Vault. Electronic communications satisfy legal requirements.

5. Regulatory Compliance

Yield Vault complies with anti-money laundering, KYC, and sanctions laws. You agree to cooperate and provide requested information.

PART XIV: CONTACT INFORMATION

Effective: January 2025